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
In the context of this page, We/Our/Us is Warba Insurance Company KSC
Cover for you and your family
International Health Insurance for Kuwait
Making access to health insurance in Kuwait simpler, easier and safer
Are you an expat based in or moving to Kuwait? Our Kuwait medical insurance plans were designed for expats and people who spend long periods in Kuwait and overseas.
It works much like health insurance at home: you’re not just covered for emergency treatment, but also for your diagnosis and post-treatment care.
Our Core Plans are flexible, affordable and comprehensive, covering in-patient and day-care treatments at home and abroad.
Our plans also include treatment for covid-19, subject to terms and conditions.
Your cover is also subject to:
- Policy definitions and exclusions
- Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
- Any policy endorsements, policy terms and conditions and any other legal requirements.
- Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures.
If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
Sanctions suspension clause:
Any benefits, cover, and claims payments are suspended if any element of the cover, benefit, activity, business, or underlying business exposes us to:
- any applicable sanction, prohibition or restriction under the United Nations’ resolutions, or
- the trade or economic sanctions, laws or regulations of Canada, the European Union, United Kingdom, or United States of America.
The above suspension will continue until such time as we are no longer exposed to any such sanction, prohibition, or restriction.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
The expatriate health insurance
cover includes
Doctor visits
Hospitalization
Vaccinations
Surgeries
Diagnostic tests
Prescription drugs
Cancer treatment
Option to add a repatriation plan
Health Services
included with your cover
You have access to a range of services gathered in one convenient hub to help protect you and your family from preventable health risks. Our services include Telehealth, Expat assistance programme, Mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more
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Explore our range of Kuwait medical insurance plans
Together with our partners, we've carefully crafted a selection of health insurance plans designed especially for Kuwait, drawing on our many years of expertise in international health insurance.
Step 1:
Choose your Core plan and pick a deductible.
Step 2:
Step 3:
Choose your area of cover: Worldwide, Worldwide excluding USA.
Kuwait
Care Pro
Superior health insurance -
Our highest level of cover.
Max. Plan Limit: US$5,000,000
Kuwait
Care Plus
Enhanced health insurance -Comprehensive health insurance with additional benefits.
Max. Plan Limit: US$4,000,000
Kuwait
Care
Comprehensive health insurance - Extensive cover with semi-private room access
Max. Plan Limit: US$2,500,000
Enhance Your Cover with Optional Plans
Choose from the following:
Out-patient plan
Elevate your healthcare experience with our out-patient plan, offering day-to-day medical cover such as GP visits, diagnostic tests, vaccinations, regular health checks and more.
Repatriation plan
If the treatment you need is not available locally, we'll repatriate you to your home country, so you can receive treatment close to family and friends.
Dental plan
Protect your oral health and your wallet with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.
Maternity plan
Embrace the journey of motherhood with our trusted maternity plan, offering coverage and support.
Get your expat health cover in a few simple steps
Getting your policy is much easier and faster when you choose our Moratorium underwriting option. There are no medical questionnaires to complete. It’s hassle free.
Ready to get your cover?
Call us on +97 154 791 0698 or email us.
(Choose a day and time that suits you)
Why choose us as your trusted health insurer?
Flexibility
Choose what you want to be covered for and by how much, depending on your needs and budget.
Worldwide reach
We offer a network of over 1.9 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
Innovative Partner
With MyHealth app you can submit claims, explore your cover, view policy and access digital tools and services to help you manage your health and wellness.
Family-friendly solutions
Choose to be covered for specific family benefits like well-child tests, vaccinations and more
Looking for a different solution?
Frequently Asked Questions
Get answers to your questions quickly and easily with our handy FAQs.
What is the length of the contract? If I pay monthly, can I cancel any time?
Most of our contracts are for one year. For most products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen.
What is the difference between in-patient and out-patient cover?
In-patient cover relates to all treatment which occurs when a member is an "in-patient" (staying overnight/for a period of time) in the hospital. Out-patient claims (such as doctor visits, buying prescription drugs) would only be covered if an out-patient plan was bought together with the in-patient one. We have a range of different levels of cover for both in-patient and out-patient treatment.
I am looking for insurance for children. Are my children automatically covered when I sign up?
Your children & other dependents can be added to the policy subject to the medical underwriting terms you accepted; either full medical underwriting orMoratorium. They would be subject to their own premium which would be derived from their age, cost of healthcare in the primary country of residence and any special condition that may be applied to the policy.
My Expat Life
Everything you need to know before you go and when you get there.
Real stories, real people
Here’s the story behind what we do and why we do it. Our mission is to help you be well.
Awards and Recognition
ITIJ Award Winner
International Travel and Health Insurer of the Year.
EFMA & Accenture Innovation in Insurance Awards Win
EFMA & Accenture Innovation in Insurance Awards 2022.
UK Health & Protection Award Win
Best International Group Health Insurance Provider 2023.
Already a member?
Did you know that we have a support page for members with all you need to know to make the most of your cover ?
Certain services that may be included in your plan are provided by third party providers outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, Fitness Coaching App, Second Medical Opinion and tele-medicine services. If included in your plan, these services will show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The Fitness Coaching App does not provide medical or health advice and the wellness resources contained within our Health Services are for informational purposes only. The Fitness Coaching App and the wellness resources contained within our Health Services shouldn’t be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that AWP Health & Life acting through its Irish Branch and AWP Health & Life Services Limited and their affiliates, are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third-party services.