Professional Documents
Culture Documents
Article 1:
This act aims to regulate the provision of health care for non-Saudi residents in the Kingdom.
It may be applied to Saudi Citizens and others by a cabinet decree.
Article 2:
The coverage of cooperative health insurance shall include all those subject to this act and
their dependents as specified in para (B) Article 5.
Article 3:
With respect to the implementation phases specified in para (B) Article 5, Article 12 and
article 13 of this act, anyone sponsoring a resident shall be obliged to participate in the
cooperative health insurance for the benefit of the resident.
Residence permit shall not be issued nor renewed without prior obtaining the cooperative
health insurance policy. The period covering the residence permit (Iqama) must be equivalent
to the policy period..
Article 4:
A council for health insurance shall be established and to be chaired by the Minister of Health
and the membership of :
c. A representative for the private health sector and two representatives for other -
governmental health sectors shall be nominated by the Minister of Health in
coordination with their respective sectors. -
The Council members shall be appointed by a cabinet decree for three years
(renewable).
Article 5:
The health insurance council shall regulate the implementation of this act and in particular :
Article 6:
The necessary expenses for the performance of the health insurance council covering its
activities, salaries of employees and their remuneration shall be paid from the revenues
collected as specified in para (E) article (5) and as agreed upon between the Ministry of Health
and the Ministry of Finance and National Economy.
Article 7:
The cooperative health insurance policy covers the following basic health services:
a. Medical examination, treatment in clinics and medication.
b. Preventive procedures such as vaccination, motherhood and childhood care.
c. Required laboratory- and radiological examinations.-
d. Inpatient care (Accommodation & treatment) including delivery and operations.
e. Treatment of teeth and priodental diseases excluding orthdontics and dentures.
These services shall not prejudice the requirements of the social insurance regulations nor with
health services offered by private companies, institutions and individuals to their employees in
excess of those provided by this act.
Article 8:
The employer may extend the scope of the cooperative health insurance services through at
additional annexes at additional cost to include more curative and diagnostic services than
what was specified in the previous article.
Article 9:
The preventive health procedures for those covered by the insurance including examinations,
vaccination and in the period prior to issuance of the cooperative health insurance policy shall
be made by a decree issued by the Minister of Health.
Article 10:
The employer shall bear the medical treatment costs if the beneficiary needs a medical
treatment before the date of participation in the cooperative health insurance.
Article 11:
a. Governmental" health facilities may -when needed- provide the health services
included in the cooperative health insurance policy to the policy holder for a
financial compensation to be borne by the health insurance company.
The health insurance council shall determine these facilities and the financial
compensation for such services. .
b. The minister of health in agreement with the minister of finance and national.
economy shall define - procedures and rules for collecting the financial
compensation stipulated in the previous paragraph.
Article 12:
The medical treatment of personnel working for government institutions and who are covered
by this act as well as their family members shall take place in the governmental health
facilities if they are directly contracted and sponsored by these institutions and when their
contracts state their right for treatment.
Article 13:
The health insurance council may issue a decree exempting institutions and companies, which
own a qualified private medical facilities from participating in the cooperative health
insurance for the services offered by these facilities to their members.
Article 14:
c. One committee or more shall be formed by a decree from the chairman of the
health insurance council, and to be represented of the :
1. Ministry of interior
2. Ministry of labor and social affairs
3. Ministry of justice
4. Ministry of finance and national economy
5. Ministry of health
6. Ministry of Commerce
This committee shall be entrusted with the violations of this act and proposing appropriate
penalty, this penalty shall be imposed by a decree from the chairman of the cooperative health
insurance council. The executive bylaws shall define this committee. Complaint of such
decree may be submitted to the bureau of grievances within 60 days from notification.
Article 15:
The non-Saudi resident not intiteled by a sponsorship, shall take the place of the employer in
fulfilling all obligations stated in this act.
Article 16:
The ministry of health shall be entrusted to monitor the quality assurance of the health services
provided to the beneficiaries of the cooperative health insurance.
Article 17:
The cooperative health insurance shall be implemented by qualified Saudi cooperative
insurance companies applying the cooperative insurance manner, similar to that stated for the
national company for cooperative insurance, and in compliance with what is stated in the
decree of the senior olama board No. (51) dated 4.4. 1497H.
Article 18:
The minister of health shall issue the executive bylaws for this act within a maximum period
of one year from date of its issuance.
Article 19:
This act shall be published in the official gazette and shall be effective after 90 days from
issuance of the executive bylaws. The rules related to the establishment of a health insurance
council and to the scope of competence shall be effective from the date of publication of the
act.
Kingdom of Saudi Arabia
Cooperative Health Insurance Council
Secretariat General
Index
Subject Page No.
Chapter one: Definitions 2
Chapter two: Beneficiaries 4
Chapter three: The System’s Insurance Coverage 6
Chapter four: Benefits 8
Chapter Five: Financing Insurance Companies 11
Chapter six: Practicing Health Insurance Business 12
Chapter seven: Supervision on Insurance parties 17
Chapter eight: Relationship between Insurance Parties 21
Chapter nine: Quality Assurance of Services Provided 29
Chapter ten: Penalties & Settlement of Disputes 30
Chapter eleven: Transitional Provisions & Enforcement 31
of the Rules of Implementation
Rules of Implementation
Of
The Cooperative Health Insurance System
In
The Kingdom of Saudi Arabia
Chapter one: Definitions
Article 1: The following terms shall have the meanings shown alongside each of
them;
1- The System: The Cooperative Health Insurance System in the Kingdom of
Saudi Arabia.
2- Council: The Cooperative Health Insurance Council established under the
provisions of Article four of the system.
3- Secretariat 'General: The Executive staff of the council
4- The supervisory body: The .Cooperative Health Insurance Council as well
as other bodies designated by the state to supervise the insurance activities.
5- Social Insurance: Insurance applicable under the Social Insurance
Regulations implemented by the General Organizations for the Social
Insurance.
6- Employer: Natural or legal person employing one labourer or more.
7 - Policy Holder: Natural or legal person to whom the policy is issued.
8- Dependent: The husband, wives, male sons under the age of eighteen
and unmarried daughters.
9- Insurance Company: The Insurance Company licensed to operate in the
Kingdom prequalified by the council to practice cooperative health
insurance business.
10- The Insured (Beneficiary) : The person covered by the System and is
insured by an insurance company.
11- Health Insurance: The Cooperative Health Insurance indicated in the System.
12- Emergency: The Medical 1Teatment required by the beneficiary following
an accident or an emergency requiring quick medical intervention.
13- Insurance Coverage: The basic health benefits available to the beneficiary set
forth in the insurance policy attached to these rules.
14- Policy: The original cooperative Health Insurance Policy approved by the
Council and attached to these rules, including designations, benefits and
exceptions. Policy is issued by the insurance company based on an
application submitted by the employer (policy holder).
15- Premium (contribution) : The amount payable to' the company by policy
holder in return for the insurance coverage provided by the policy during
the insurance period.
16- Percentage of deduction / portability (contribution in payment): The portion
payable (as fixed in the policy schedule) which should be paid by the
beneficiary (the insured) when visiting the physician for treatment.
17 - Benefit: Shall mean the cost of providing health service falling under the
insurance coverage within the limits shown in the policy Schedule.
18- Service Provider: The person or health facility approved and licensed - under
the regulations in force - to provide health
Services in the Kingdom such as; a hospital, a diagnostic center or clinic, a
pharmacy, a lab, a physiotherapy or radiotherapy center.
19- Approved service providers network:
The health service providers group approved by the Cooperative Health
Insurance Council and designated by the Health Insurance Company to
provide service to employer / policy holder, by directly debiting the account
of the Insurance Company. This network shall fall within the following
health care categories:-
- First category for providing health services (primary health care)
- Second category for providing health services (General hospitals).
- Third category for providing health services (specialist or referral
hospitals).
Chapter two: The Beneficiaries (the insured)
Article 2: The following categories shall subject to the health insurance
programme:
1- All non-Saudi persons working for a wage for other persons or for their
own account irrespective of their income, nature of work and term of
employment.
2- All non-Saudi persons other than those working and residing in the Kingdom.
3- Members of the family who are in position of a residence pennit in the
Kingdom and are supported by the persons specified in para (1) and para (2)
of this article.
Article 3: The following are exempted from health insurance provided for in
article (2) of these rules:
1- All non-Saudi employees working for governmental bodies & corporations
whose by-laws don't allow them to conclude contracts with private hospitals
for the treatment of their employees so long as such employees are under-
the sponsorship of such bodies and have signed employment contracts with
them, provided that such contracts provide for medical treatment at a
government hospital. Those employees whose employment contracts don't
provide health service shall obtain a private insurance coverage to meet
these basic health requirements.
2- All non-Saudi employees working for the private sector under employment
contracts stipulating the providing of medical treatment in prequalified
health facilities belonging to the -employer. If treatment becomes
impossible at these facilities owned by the employer - including
emergencies - the employer shall provide supplementary insurance
coverage.
3- Members of the family who are supported by the employees specified in
para (1) and para (2) of this article.
The scope of treatment set forth in the above paragraphs shall be in
compliance with the provisions of article (7) of the system as a minimum
requirement and shall conform to- quality standards set forth in threes rules.
Article 4: The Council shall - in accordance with article (3) of these regulations
- designate the following:--
1- Governmental bodies and agencies
2- Employers' who employ persons exempted from health insurance, based on
applications submitted by them.
The Council shall decide the extent of conformity of medical treatment
provided by such governmental bodies and agencies and employers with the
scope and standard of health services that must be available under these
rules.
3- In cases where the provisions of article (3) are not definitely valid in respect
of any employees or dependents, the Council shall take a proper decision in
this regard based on an application to be submitted by the employer.
Article 20: The insurance benefits shall cover basic baby inoculations and
vaccinations upto school age which, a contracted service provider must
provide in accordance with the resolutions of the Ministry of Health.
Article 21: Health Services and Medical treatment shall be provided by the
service providers network listed in the schedule attached to the insurance
policy which shall be delivered to the 'beneficiaries and approved both by
the insurance company and the policy holder.
Article 22: The insurance coverage shall include the stay and cost of food in
hospitals for one person escorting the beneficiary such as, the
accompanying of the mother of her child (upto age twelve) or when medical
requirements necessitate such escort according to the sole discretion of the
treating physician.
Article 23: In emergency cases only, the cost of transport of beneficiaries such
as, patients or pregnant women to the nearest facility for treatment shall be
covered. Transport shall be by ambulances licensed or belonging to the
Saudi Red Crescent Association.
Article 24: Every beneficiary benefiting from medical' services shall contribute
in the payment of cost of treatment at service centers as shown in the policy
with the exception of emergency and hospitalization cases.
Article 25: Medical service provider may not waive the contribution amount by
adding such amount to the final sum to be paid by the insurance company or
by offering it as a discount to the beneficiary.
",
Article 26: The contribution in payment to tl1e health service provider by tl1e
beneficiary must be made against a receipt.
Article 27: Beneficiaries may not claim benefits under the policy unless such
benefits are basically covered as stipulated in the policy or in as stated in
the additional coverage tl1ey have obtained under article eight of the
cooperative health insurance system.
Article 28: No demand for health services shall be raised in case of illness, if
such services were provided following an accident in the place of work or
during the break out of occupational diseases within the definition set forth,
in the Social Insurance Regulations.
Article 29: If the insurance company is providing such health services and it was
found out that the Occupational Hazards Branch of GOS1 must cover such
services, GOSI shall indemnify the insurance company for expanses
incurred.
Article 30: If GOSI provides health services to a person who has an insurance
contract with a health insurance company despite the fact. that the latter
shall be obligated to provide such services, the insurance company shall
compensate GOSI for the expenses incurred. Compensation shall be within
the limits of services the insurance company is committed to provide to
those non covered by social insurance regulations.
Article 31: GOS1 and the Insurance Company may conclude mutually a contract
providing for taking certain measures to Tender the services set forth in
articles (29) and (30).
Article 32: If a beneficiary has any claims against a third party relating ~ to
indemnities for damages resulting from a disease or an accident the dues
and rights of the beneficiaries "- shall be transferred to the insurance
company including costs incurred by the insurance company as a result of
providing health services to the beneficiary.
Chapter five: Financing the Insurance Companies
Article 33: Premiums and additional fees being collected and investment returns
shall be listed in the insurance companies revenues.
Article 34: Every insurance company shall comply with the resolutions adopted
by the Council in coordination with other supervisory bodies to provide
technical allocations generally accepted in the insurance sector.
Article 35: A- The insurance premium (contribution) shall be fixed by
agreement between the insurance company and the employer.
B- If premium value is different from that stated in the work plan of the
company, the latter shall seek the approval of the Secretariat
General of the Council en the premiums value and the Council may review
the premium from time to time.
C- The maximum benefit limit for every beneficiary shall be SR two hundre4
fifty thousand only.
Article 36: Employer shall pay the premiums on behalf of his (contracted)
employees and their dependents to the insurance company he selects for
this purpose. This applies to persons not working or their dependents.
Employer will be solely responsible for payment of premiums that must be
paid at the beginning of every new insurance year unless otherwise is
agreed upon.
Article 37: In the event of non-payment of premiums on the dates agreed upon,
the insurance company may terminate the policy when its validity date
comes to an end, recover the insurance cards and collect the premium due.
Insurance company shall notify the Council and the authorized service
providers network of such action.
Article 38: A portion of the surplus money coming from insurance operations
shall be transferred to the cooperative health insurance fund in accordance
with the principles of cooperative insurance. This portion shall be
calculated in accordance with the results of the operations of the insurance
company after the approval of the other supervisory bodies.
Article 39: The Health Insurance Council shall issue the rules defining the
Fund’s objectives governing its operations in accordance with provisions
of article (38).
Chapter Six : The Practice of Health Insurance Operations
Article 55: Health care service providers shall be approved by virtue of a letter
issued by the Council and the annual fee for this purpose must be paid to
the Council as. follows
1- SR 2000 for open physician clinic ~
2- SR 5000 to SR 10000 for a clinic.(dispensary)
3- SR 10000 to SR 20000 for one day surgery centers -
4- SR 20000 to SR 50000 for a hospital - depending on number of beds.
Article 56: The Council shall fix the fee for each case based on article (55) as
well as the fee for the rest of service providers such as Diagnosis Centers,
pharmacies and labs.
Article 57: The authorization of a health facility shall be canceled if the Ministry
of Health withdraws the facility’s license and the Council shall notify all
insurance companies of this cancellation.
Chapter seven: Supervision on the relationship between the Health
Insurance parties (scope and goals of supervision)
Article 58: The Health Insurance Council shall supervise and monitor the
universality of the Health Insurance coverage and shall ensure that the
parties in the Health Insurance relationship perform the tasks and
responsibilities entrusted to them under these rules.
Article 59: The supervisory authority shall be in charge of the supervision on the
insurance companies activities in the field of Health Insurance. This
includes ensuring the solvency of the company, adequacy of capital, sound
assets, technical allocations and its ability to meet obligations towards the
beneficiaries of the Health Insurance provided. The supervisory authority
shall notify the Council of any shortcomings in the position of any
insurance company in accordance with the requirements of this article..
Article 60: The Council may require the amendment of the plan of operations of
the Health Insurance companies prior to concluding of new insurance
policies, as deemed necessary, for the protection of the interests of the
beneficiaries. The effects of such amendment shall be extended to include
existing insurance policies and the policies that have not yet been
concluded.
Article 61: The Council may request from the supervisory authority information
and data about all the work issues related to Health Insurance. 'The
Council in certain cases - especially in cases related to the general
provisions of the health insurance, request forms and other printed matter
used by the health insurance company in its correspondence with
employers, beneficiaries and service providers as well as contracts signed
with the health insurance claims management company.
Article 62: TI1eCouncil and whoever is nominated by the Council, may during
certain periods of time or at any other time, perform reviewing and
auditing taslcs in all respect of insurance companies within the sphere of
competence of the Council and may also request other supervisory bodies
to do so and to provide reports in this regard.
Article 63: The Council shall have the right to make -reservations on any of the
executives of any insurance company and shall notify other supervisory
bodies accordingly.
Article 64: Members of the Councilor 'any of its staff may not disclose
confidential information that come to their knowledge in the course of
their implementation of these rules. This also applies to any person who
may get to know such information from official reports. The provisions of
this article will not apply to disclosure of information where it is not
possible to single out the disclosing company.
Article 65: The Council may use the information stated in Article (64) for the
following purposes:
1- Examining the applications submitted by insurance companies for
prequalification or renewal thereof.
2- The directives issued by the Council.
3- Following up of any violations of the obligations arising out of the
insurance policy in accordance with article (14) of the system.
4- Within the framework of the procedures of handling complaints regarding
decisions taken by an insurance company.
5- Within- the frame work of .the procedures of considering and deciding on
violations in accordance with article (14) of the system.
Article 66: The observance of the confidentiality of information as set forth in
article (64) shall not prevent providing the following information
specifically to:-
Article 103: Beneficiary shall provide the insurance company with all
information it requires for defining the details of an emergency or service
obligations. shouldered by the insurance company and the extent of such
obligations.
Article 104: Beneficiary shall present himself for check up by a licensed
physician authorized by the Council and appointed by the company if the
latter wishes him to do so. The company shall bear the cost of check up in
this case.
Article 105: Beneficiary shall, when requesting treatment, furnish his insurance
card and I.D. to the service provider, who will hand them back to the
beneficiary after taking the necessary data for the treatment.
Article 106: Beneficiary shall call on one of the primary health care facilities or
physicians working for the service providers network designated for him.
Referral to a specialist or a hospital shall be decided by an omnipractitiner.
Article 107: Beneficiary shall bear the difference in cost in the event of hi~
calling directly on a specialist or consultant for check up as shown in the
policy.
Article 108: Recommendations for hospitalization shall be limited to cases
where treatment in out-patient clinics is inadequate. In this case one day
surgery or treatment service shall be used and if the beneficiary reports to
a hospital other than that specified in the referral documents, he shall bear
the difference in the cost of treatment.
Chapter Nine: Quality Assurance of Service Provided
Article 109: The Council shall, in cooperation with proficient governmental
health institutions, specify the preconditions required for maintaining the
quality of services provided relating to the implementation of the
previsions of article (106) of the system. In the course of specifying the
requirements, in particular, the following shall be observed :--
1- Availability of minimum specific requirements of quality that must be
adhered to by the service providers.
2- Adoption of diagnostic and treatment services that must be provided or
will be provided at the expense of the insurance company.
3- Service providers compliance with procedures in respect of maintaining
good quality. .
Article 110: The procedures related to maintaining good quality shall cover as a
minimum requirement the following areas :--
1- Criteria related to the medical check-up rooms of the authorized service
providers.
2- On the spot regular inspection of authorized hospitals, clinics and
dispensaires by Council staff or by qualified persons appointed by the
Council.
3- Evaluation of health service contracts in terms of maintaining quality
controls.
4- Service providers shall - every three years and on their own account -
contract through the Council - a specialized consulting office to-evaluate
and measure the extent of compliance of service providers with the
requirements of quality. Council must be provided with a report thereon.
If the service provider breaches this stipulation the Council may cancel
authorization.
Chapter ten: Penalties and Settlement of Disputes
Article 111: A committee (or more) composed of six members from the
ministries set forth in article (14) of the system to be called "the
cooperative health insurance system violations committee" shall be formed
by a resolution from the chairman, to decide on violation to the provisions
of the system and the appropriate penalties thereof. Penalties shall be
imposed by a resolution from the chairman and may be appealed before
the Board of Grievances' within sixty days of notification.
Article 112: This committee shall hear the violations arising between tl1e
beneficiaries & policy holders on the one hand and insurance companies &
service providers on the other hand.
Article 113: Complaints from a parties shall be submitted in writing to the
Secretary General of the Council within ninety days of date of dispute,
being the 'Subject of the complaint.
Article 114: The Secretary General of the Council shall refer the complaint to
the committee hearing the violations of the provisions of this system.
Article 115: Amounts collected from the financial penalties related to the
.violation of the provisions of this system as well as fines specified in
articles (Ill) and (116) shall be paid to the Council as provided for in the
Financial Rules.
Article 116: If the Committee finds out that the complaint was - untrue and
unjustifiable, it may take the necessary legal action or propose appropriate
punishment to be inflicted on the complainant.
Article 117: The Committee shall hold a session, when the need arises, and the
Council shall pay one thousand Saudi Riyals as remuneration to each
member for each session provided that remuneration shall not exceed SR
twenty thousand for each member per year.
Article 118: The Council shall prepare detailed procedures for the submission of
grievances and complaints to the Committee.
Chapter Eleven: Transitional Provisions and Enforcement of the
Rules of Implementation
Article 119: Procedures for prequalification of health insurance companies and
approval of service providers, to whom the provisions of this system
apply, shall commence after the promulgation of these Rules.
2. Companies and establishment, whose foreign labor are more than one
hundred persons – within two years of date of issue of these rules.
Article 121: With due regard to article (120) of these Rules, if insurance policies
were signed prior to the implementation of this system, the contracted
parties shall be responsible for termination of their obligations within one
year of date of issue of this system. They may maintain same obligations if
they manage to obtain the Council’s approval on the continuation of their
previous arrangements, provided, however, that the insurance company
should be prequalified and the service provider be authorized and that they
are able to carry on their obligations in accordance with the provisions of
this system and the rules of implementation thereof.
Article 122: The Council shall have the authority to propose the amendment of
these rules, by a resolution from by the Minister of Health.
Article 123: These rules shall be issued by a resolution from the Minister of
Health and shall be published in the Official Gazette and put into force as
from the effective date of the implementation of the system, i.e. after
ninety days of date of issue of the Rules.
Kingdom of Saudi Arabia
Cooperative Health Insurance Council
Secretariat General
The date shown in the policy schedule on which the insurance coverage starts.
15- Effective Date: The date designated by policy holder and agreed upon by he
company for the commencement of the coverage of the person under the
policy or for adding or omitting of an insured person from the policy.
16- Appendix: A document issued by the company using an official form dated
and signed by an authorized' officer proving the authenticity of any
amendments in the policy and not. prejudicing the basic coverage - based
on a request in writing from the policy holder.
17 - Hospital: An authorized health facility acceptable to the policy holder and
the company, and is licensed to operate as a hospital under regulations in
force for providing reimbursable treatment under this policy. Hospital in
this policy will not include hotels, guest houses, dormitories, rest houses,
recuperation houses, sanitariums, care houses for the persons in custody,
infirmaries, asylums or any other places used for accommodating and
treating alcohol and drug addicts.
18- Hospitalization (in-patients): Admittance of an insured person as an in-
patient in a hospital until the morning of the following day based on a
referral from a licensed physician.
19- Insurance: The evidence of the implementation of the insurance coverage
under this policy, schedules, appendices or attachments thereto.
20- Licensed physician: A medical practitioner in position of a degree who is
legally licensed to practice medicine, prequalified and acceptable to the
policy holder and the company for providing cost reimbursable treatment
under this policy.
21- Limits of Coverage: The maximum limit of liability of the company as
set forth in the schedule of the policy for any insured person before any
deductions/ portability.
22- Service Provider: The authorized and licensed person or health facility,
under the regulations in force, to provide medical services in the Kingdom
such as a hospital, a diagnostic center, a clinic, a pharmacy, a laboratory, a
physiotherapy or a radiotherapy center.
23- Pregnancy & Delivery: Any pregnancy and / or birth arising from a
legitimate martial relationship.
24- One day surgery or Treatment: A surgery or a treatment that necessarily
requires pre-arrangements for one day stay only in a hospital or a
treatment center.
25- Treatment in Out- Patient Clinics: The frequent calling - by an insured
person - on out-patient clinics for the purposes of diagnosis or medical
treatment of a disease.
26- Service Providers Network: A group of health service providers
authorized by the Cooperative Health Insurance Council and designated
by the insurance company for providing services to the employer / policy
holder by debiting .cost directly to insurance -company account upon
furnishing a valid insurance card for the insured. Such network shall
include the following three health car categories:-
unexcluded under part three - prescribed by a licensed physician for an illness
caught by the insured, provided that such expenses are necessary, reasonable and
customary at the time and in the place in which they have been incurred.
Based on the above, reimbursable costs shall include the following:
A- All medical check up, diagnosis, treatment, medicament costs as per
policy schedule.
B- All hospitalization expenses including operations, and one day surgeries
and treatment as well as delivery .
C- The treatment of teeth and-gingival diseases.
D- Preventive measures specified by the Ministry of Health such as,
vaccinations and maternity & childhood care.
2- The expenses of repatriation of the remains of the insured to his country of
origin.
Part Three: Designations and Exemptions
A- This policy will not cover claims arising out of the following:-
1- Injury caused deliberately by the person.
2- Illnesses, caused by misuse of certain medicaments, stimulants,
tranquilizers or by consumption of alcoholic drinks, drugs and the like.
All conflicts and disputes arising out of or relating to this policy shall be
settle through the Cooperative Health Insurance Council and the
committees formed by resolution from its chairman for looking in
violations to the provisions of the system in accordance with article (14) of
the Cooperative Health Insurance System.
Policy holder has read and agreed on the provisions and the schedule of this
policy.
Date: ____________________
Policy Schedule
_________________________________________________________________
Code:
_________________________________________________________________
Postal Address:
Policy term / insurance term: From ______ day ______ month ______
All employees on the job and whose ages are less than 65 years shall be
eligible for insurance as of the effective date of policy. Employees joining
policy holder later on – who are less than 65 years old – shall be eligible
for insurance as from date of their joining service or date of arrival in the
Kingdom.
The insurance coverage of this policy shall include the employee’s unmarried,
widowed & divorced daughters who are not working and are supported by the
employee, upto the maximum age specified for the employee himself.
General practitioner
Specialist / Consultant