Health Insurance for
employees in Kuwait

Our Kuwait plans are offered through our partnerships with Warba Insurance Company KSC. In the context of this page We/Our/Us is Warba Insurance Company KSC.
 
Our health insurance plan includes cover for a wide range of in-patient, out-patient and day-care treatments as well as an optional level of cover such as dental, optical, maternity  and repatriation benefits. Talk to our highly experienced Sales Team or get a quote now.


With our international healthcare plans, you can build your plan to suit the needs of your employees and your budget.
Step 1:
Choose your Core plan and pick a co-payment

Our core plan options include a comprehensive selection of in-patient benefits, day-care and out-patient benefits such as hospital accommodation, surgery, medical evacuation and much more.

All our core plans include a selection of Global Health Services that aim to improve the quality of life of your expat team.

Step 2:
Add any of the optional plans and tailor your benefit limits

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as dental, optical, maternity  and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide or Worldwide excluding USA 

 

Provides multi-country cover so employees can use their cover in any country included within the area of cover. It is a good idea to select an area where your employees normally travel to or are based for work purposes.

Terms and conditions and regulatory restrictions apply.

Together with our partners, we've carefully crafted a selection of medical insurance plans designed specifically for Kuwait, drawing on our many years of expertise in international health insurance
 
 

Swipe to view more

Overall Maximum Policy Limit
$5,000,000
Overall Maximum Policy Limit
$4,000,000
Overall Maximum Policy Limit
$2,500,000
Overall Maximum Policy Limit
$1,750,000
Type of room
Private Room
Private Room
Private Room
Private Room
In-patient / Day-care
Oncology
Nursing at home or in a convalescent home
Preventative Surgery
$40,500
$40,500
Rehabilitation treatment
Max. 120 days
per discharge
Max. 90 days
per discharge
Max. 60 days
per discharge
Max. 30 days
per discharge
Infertility treatment
$16,200 per lifetime
Accidental death benefit
$13,500
Health and wellbeing checks
$1,000
$500
Upgrade available
you can add this benefit to your plan
Upgrade available
you can add this benefit to your plan
Medical practitioner/ Specialist fees/ Diagnostic tests
$15,000
$5,000
Co-payments-payment options
0% or
10% up to max. $14
per visit or
20% up to max.$28 per visit
0% or
10% up to max. $14
per visit or
20% up to max.$28 per visit
0% or
10% up to max. $14
per visit or
20% up to max.$28 per visit
Dental plan
$1,500
Ask us for other options available
$1,000
Ask us for other options available
$750
Ask us for other options
available
Optical plan
80% refund, up to $500
80% refund, up to $250
80% refund, up to $250
Maternity
Ask us for other options
available
$10,000 per pregnancy
Ask us for other options available
$5,000 per pregnancy
Ask us for other options available
Repatriation plan
helpline
Getting your group policy is much easier and faster when you choose our dummy Moratorium underwriting option.  There are no medical forms to complete.
It’s hassle free. 

dummy GET A QUOTE

We also offer tailor-made solutions to suit groups of over 100 employees and their dependants.

Our Senior Account Manager, Jaafar Aliedani, would be delighted to answer any questions or queries you might have. 

Mobile: +965 97254975

Email Jaafar

We know you might want more information about international health insurance, so we've put together a list of our most commonly-asked questions right here.

Group terms can be offered when there are three or more staff members.

For groups wishing to get a quote for international health insurance, please contact our Sales Support Team who will be happy to provide you with a quote based on your requirements.

International health insurance is a solution designed to support employees who travel abroad frequently or are abroad for long periods of time and want to be sure that they are covered for any medical needs. It is not the same as travel insurance, as it provides a more durable and comprehensive multi-country medical cover.

Travel insurance is a solution which covers cancelled or delayed flights, lost items such as personal belongings and has a limited element of medical treatment.

Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
  • There will be a 24-month waiting period before claims for any pre-existing medical conditions may become eligible.
  • Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
  • Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
  • This option is available to individuals or groups with 3 to 9 policies
  • Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.

 

Full medical underwriting  is when we assess the insurance risk before cover starts.  This means that:

  • You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
  • Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
  • Claims process is shorter because we already know if pre-existing conditions are covered.
  • This option is available to individuals or groups with 3 to 9 policies.

 

Medical History Disregarded terms is when members’ health information is not assessed. This means that:

  • You won't need to tell us about pre-existing conditions of any member to be covered.
  • Pre-existing conditions are usually covered.
  • Claims process is shorter because we already know that pre-existing conditions are covered.
  • This option is usually offered to groups with more than 10 policies. 

dummy FIND OUT MORE

If your employees travel abroad frequently (more than 5 times per year) or are abroad for long periods of time and want to be sure that they are covered for any medical needs, then international health insurance may be the right solution for your employees.

Our dummy short-term healthcare plans is perfect  for groups who only wish to cover the medical emergencies of employees travelling abroad. Staff are covered for single or multiple trips up to a combined maximum of either:

  • 90 days per insurance year each
  • 180  days per insurance year each

*Please note that the purpose of this insurance plan is to provide medical care during emergency situations. Any ongoing or further treatment that is required after the emergency situation is not covered by this policy. The areas of cover are subject to our terms and conditions.

We offer coverage and support for most countries around the world . Your employees can take our cover with them on their travels anywhere within their area of cover and take comfort in the knowledge that they have comprehensive multi-country medical cover.

For specific coverage queries, please contact our Small Groups Sales Team, and they will be happy to assist you and guide you through your choices.

The geographical area of cover is the geographical territory where your cover is valid. When choosing an International Private Medical Insurance (IPMI) solution for your employees you should select a geographic area of cover based on where your employees normally travel to or are based for work purposes.
Some benefits are subject to pre-approval, which would entail submitting a treatment guarantee form to our medical services team. Once the treatment is deemed medically necessary, our team will arrange payment to the facility of your choice. If there is an emergency, a member would not need pre-approval. They should seek treatment and have someone (family member, doctor etc) get in touch with us within 48 hours.

Did you know that we have a support page for members with all you need to know to make the most of your cover.