Dear AAW Employees,

For the wellbeing of AAW employees, AAW Company is delighted to provide with the best benefits of 2020-2021
Medical Insurance Schemes, which will be valid to use from May 1, 2020 until April 30, 2021. The features of
medical insurance plans and rates are outlined in the below timetable. For further details, please read carefully the
attached document of “Tables of Benefits (TOBs)” that thoroughly clarifies all the covered and non-covered services
in each policy plan. Note that we have changed the insurance company from Boubyan Takaful to KFH Takaful.

Medical Insurance Table of Benefits for 2020 -2021

Plan Name Basic Silver

Annual limits KWD 5,000 KWD 7,500

Coverage Area Kuwait

Emergency Worldwide

NON Emergency Worldwide

Network GLOBMED
Premium KWD 183 KWD 400
In-patient Cover KWD 5,000 KWD 7,500
Deductible 10% 10%
Hospital accommodation & services KD 120 KD 130
ICU Covered Covered
Cash benefit for each night you receive free in- UP to KD 30 per night UP to KD 30 per night
patient treatment 20 days maximum 20 days maximum
Parent accommodation. Charges for one parent Up to KD 25 Per night Up to KD 35 Per night
staying with a child member Patient under 15 YO Patient under 15 YO
Ambulance Covered Covered
25 KD 35 KD
Home Nursing
Up to 20 days Up to 20 days
Out-patient Cover Annual Limit KWD 1,000 KWD 1,500
Deductible 10% 10%
KD 35 KD 40
Consultations
15 visits Max. 20 visits Max.
Day Care Surgery Covered Covered
Out-patient drugs and dressings prescribed by a
Covered Covered
medical practitioner
 up to 15 sessions/ after accident or operation
Physiotherapy up to 8 sessions / doctor up to 10 sessions / doctor
consultation consultation
Diagnostics (X-rays, Ultra sound, MRI, CT Scan
Covered Covered
etc.)

MRI & CT Scan Coverage 80%

Chronic Cover KWD 350 KD 700

Covered Up to the policy limit

Pre-existing

for new members will cover for new members will cover
Waiting period for new members for CH and PE both CH & Pr. up to KD 350 / both CH & Pr. up to KD 700/
Waiting period 90 days Waiting period 90 days

Maternity & Childbirth Cover N/A KWD 1,500

Waiting period for new members N/A 10 months/new member

Deductible N/A 10%

Dental Cover KWD 300 KWD 600

Cleaning - Once per year KWD 25 KWD 35

Waiting period for new members No Waiting period
Deductible 15% 15%
15% emergency cases 15% emergency cases
Claims Re-imbursement Deductible
20% non-emergency cases 20% non-emergency cases
Parents KWD 300 KWD 540

Please be notified that:

All AAW Employees will be enrolled in the “Basic Plan” automatically, unless they
request to upgrade it to any of the available higher ones.

Basic Plan coverage can be used at the hospital network, listed in the attached
document, in 2020-2021.
 The current enrollments of last year will not be renewable by default, therefore, each
and every employee of AAW needs to submit a new request of upgrading his plan to
any of the higher ones, available in 2020-2021 Medical Insurance Schemes.

All AAW Employees are eligible for dependents’ coverage, given that they should be
enrolled in the same plan with no exceptions.
“Dependents are only father, mother, children, and/or spouse.”

The open enrollment period will conclude on Tuesday, April 14, 2020 at 4:00 PM, so,
please feel encouraged to complete the process sooner than the mentioned date.

Employees who are not able to submit the enrollment data before the above-
mentioned time, will have only one month chance to add dependents, and/or upgrade
his/her plan. This will eventually cause a delay in receiving the requested insurance
card.

Requests of upgrading, downgrading, and/or addition of new dependent(s) are

unacceptable by the insurance provider after May 31, 2020. However, deletion is
accepted anytime during the year.

Deletion request after utilizing the medical card for at least one time, will refund
nothing of whatsoever fees spent in the hospital. In case the card was not utilized at all,
then the fees will be paid pro rata.

Kindly read the attached document of the table of benefits before making your plan
choice.

Any employee wishes to upgrade his/her plan and/or wishes to add their spouse/children/parents to the
policy, need to use the file of “Insurance Upgrade/Addition” attached to this email payroll@aaw.com.

Thank you and best regard,

Human Capital & Administration department – Compensation & Benefits