Warba Takaful Insurance

Warba Takaful Insurance Co, presents a comprehensive “ Al- Reaya Medical Family Plan “, offering a group of outstanding medical coverage for families through our medical providers network of hospitals , medical clinics & centers that cover all areas in Kuwait . We are pleased to offer the followings :-

1. The Maximum Annual limit for per person per year is KD.3000/-

2. Geographical Scope : Kuwait

3. The Plan Covers the in-patient and out - patient treatments and Dental Treatment .

4. Every insured member will be provided with a medical card . This card can be used for availing direct billing facilities at the hospitals ,clinics and medical centers which have signed contract with us .

5. Insured members can also avail treatment ( in /out patient ) at hospitals , clinics which do not have contracts with us as a reimbursement basis .

6. Covers the emergency Treatment whilst the insured person is out side the country traveling on holiday or Business trip, each trip period should not exceed 60 days .

7. Covers ages from 0 – 65 Years

8. Each insured member covered under Al-Reaya Medical Family Plan will have the following benefits : -

   I) Personal Accident Coverage :
     Loss of life due to accident cover KD.3000/-
    Permanent Total Disability due to accident KD.3000/-

II) Al-Noor Card :
Specially designed for health care requirements at the time of maternity, the card facilitates discount up to 50% for the services offered by our large network of Hospitals & Clinics. It covers many pre-delivery tests and also services required to take care of a new born baby.

Maximum Annual Limit P.P.P.Y

KD.3000/-

Geographic Scope

Kuwait

Deductibles :-

10% each & every Claim for

The Covers :-

A ) In-Patient Treatment

1) Hospital Accommodation ( Room Charges )

KD.50/- Per Night

2) Surgeries

KD.300/- Per surgery

3) Medical Consultation

Covered Up to KD.400/-

4) Lab Test

5) Medicine given During Hospital Stay

6) Physiotherapy Fees ( should not exceed 6 sessions )

7) Cardiograph

8) Dressing

9) Anesthesia

10) X-Rays Classified as follows

Ultra sound

Cardiac Ultra sound

Covered Up to KD.200/-

MRI

CT Scan

B ) Out Patient Treatment

Covered Up to KD.300/-

1) Medical Check up General Practitioner & specialist

2) X-Rays Classified as follows:

Ultra Sound

Cardiac Ultra sound

C.T Scan

MRI

3) Lab Investigation

4) Dressing

5) Prescribed drugs

6) Outpatient surgical operating

C ) Other Benefits

1) Ambulance Services

Fully covered

D ) Dental Coverage

Amalgam Filling
Extraction
X Ray
Dental Cleaning ones a Year
Root Canal Treatment

D ) Dental Exclusions :

1. Teeth extraction for children under 12 years old.
2. Orthodontic operations i.e. proper positioning of teeth.
3. Crowing and bridging.
4. Obtaining dentures of fixing of artificial teeth unless necessitated by an accident.
5. Scaling Operation
6. Fluoride Treatment.
7. laser Surgery
8. Gum Diseases due to insufficient Oral Hygiene (e.g. gingivitis ), & cosmetic treatment.

4) Emergency Treatment whilst the insured person in outside the Geographic Scope
( Including USA , Canada & Japan ) traveling on holiday or Business Trip
( The Maximum Trip Duration is restricted to 60 days in any one policy Year )

Fourth : Annual Premium :

Age Band			Male	Female
0	:	18	156
19	:	35	169	205
36	:	45	185	220
46	:	50	216	263
51	:	55	258	304
56	:	60	275	337
61	:	65	313	387