|
Plan Name
|
Almas
|
|
Territorial Limit
|
Worldwide
excl. USA & Canada
Travel WW
|
|
Network (allowing free access at designated Provider)
|
Premium Plus NW
Inpatient: Bahrain, India, Jordan, KSA, Lebanon, Qatar and UAE
Outpatient: Bahrain
|
|
Pre-existing / Chronic Conditions
|
Covered
|
|
|
|
Inpatient & Daycare
(up to the relevant Annual Benefit Limit per person per policy year)
|
|
Annual Benefit Limit per person
|
BD 50,000
|
|
Accommodation Type
|
Standard Suite
|
|
Hospital Accommodation & Services:
- at Designated/Network Provider
|
100%
|
|
- at Non-Designated/Non-network Provider
up to a max. of
|
BD 100
|
|
Consultant’s, Surgeon’s & Anesthetist’s Fees, etc
- at Designated/Network Provider
|
100%
|
|
- at Non-Designated/Non-network Provider in Bahrain
|
80%
|
|
- at Non-Designated/Non-network Provider outside Bahrain
|
80%
|
|
Ambulance (followed by Hospital Admission) up to a max of
|
BD 50
|
|
Parent Accommodation for accompanying an Insured Child under 10 years of age (up to a max per day)
|
BD 20
|
|
Hospital Cash Benefit if Inpatient Treatment is received free of charge in a Government Hospital
|
BD 20 (up to a max. BD 200)
|
|
|
|
Outpatient
|
|
Deductible Option
|
BD 5
|
|
Consultations:
- at Designated/Network Provider
|
Full Refund
|
|
- at Non-Designated/Non-network Provider
up to a maximum of
|
BD 20
|
|
Diagnostics (x-ray, MRI, CT-scan, ultra sound, etc.), Laboratory, Pharmaceuticals
- at Designated/Network Provider
|
Full Refund
|
|
- at Non-Designated/Non-network Provider
|
80%
|
|
Physiotherapy
(up to a max. of 12 sessions per person per policy year):
|
|
|
- at Designated/Network Provider
|
Full Refund
|
|
- at Non-Designated/Non-network Provider
per session up to a max. of
|
BD 12
|
|
|
|
|
Inpatient Emergency Treatment Abroad During Business Trips and Holidays
(subject to a maximum of 45 consecutive days per trip)
|
USA & Canada:
Subject to a maximum of 150% of MedNet Bahrain reasonable & customary charges
Other Countries:
Full Refund
|
|
Any Treatment Outside Territory of Coverage other than Emergency
|
Not covered
|
|
|
|
|
Repatriation of Mortal Remains to the Country of Domicile up to max.
|
Covered trough International SOS
|
|
Repatriation service
|
Covered trough International SOS
|
|
|
|
|
Maternity (280 days waiting period)
|
|
Inpatient
|
Normal Delivery/Complications BD 900
Cesarean: BD 1,200
Abortion/Miscarriage: BD 500
|
|
Outpatient (ante-/postnatal - outpatient deductible option applies)
|
BD 300
|
|
All Maternity Treatment (in- as well as outpatient) is subject to Pre-approval
|
|
|
|
Dental
|
|
Consultations, Extractions, X-Ray, Composite Fillings, Root Canal Treatment and Medication (Painkiller, Antibiotics)
per policy year up to a max of
|
Option 1: BD 200
Option 2: BD 250
Option 3: BD 300
|
|
Coinsurance for all Dental Treatment
|
20%
|
|
All Dental Treatment is subject to Pre-approval
|
|
|
|
Optical
|
|
Vision tests for errors of refraction & One Pair of Lenses for Spectacles
|
BD 100
|
|
Coinsurance for all Optical Treatment
|
20%
|
|
All Optical Treatment is subject to Pre-approval
|
