Administered by:

Product ID: A-TAWU-2-I-20-066

8004400008 www.riaya-ksa.com
Mutamer Insurance Certificate ‫ﺷﻬﺎﺩﺓ ﺗﻐﻄﻴﺔ ﻣﻨﺎﻓﻊ ﺗﺄﻣﻴﻦ ﺍﻟﻤﻌﺘﻤﺮﻳﻦ‬

Policy No. : 458632542200004 458632542200004 :‫ﺭﻗﻢ ﺍﻟﺒﻮﻟﻴﺼﺔ‬

Name EROM ROMLAH (Passport No): ‫ﺭﻗﻢ ﺟﻮﺍﺯ ﺍﻟﺴﻔﺮ‬ ‫ﻳﺮﻭﻡ ﺭﻭﻣﻼﻩ‬ : ‫ﺇﺳﻢ ﺍﻟﻤﻌﺘﻤﺮ‬
Nationality: Indonesia E4162223 ‫ﺇﻧﺪﻭﻧﻴﺴﻴﺎ‬ :‫ﺍﻟﺠﻨﺴﻴﺔ‬
Cover Type: :‫ﻧﻮﻉ ﺍﻟﺘﻐﻄﻴﺔ‬
Umrah Medical & General Accidents -Emergency cases .‫ ﻟﻠﺤﺎﻻﺕ ﺍﻟﻄﺎﺭﺋﺔ‬- ‫ﻃﺒﻴﺔ ﻭﺣﻮﺍﺩﺙ ﻋﺎﻣﺔ ﻟﻠﻤﻌﺘﻤﺮﻳﻦ‬

Period of Insurance: :‫ﻣﺪﺓ ﺍﻟﺘﺄﻣﻴﻦ‬

90 days effective from Date of Entry in to Kingdom .‫ ﻳﻮﻣﺎً ﻣﻦ ﺗﺎﺭﻳﺦ ﺍﻟﺪﺧﻮﻝ ﺇﻟﻰ ﺍﻟﻤﻤﻠﻜﺔ‬90

Table of Benefits ‫ﺟﺪﻭﻝ ﺍﻟﻤﻨﺎﻓﻊ‬

Health Benefits:
:‫ﺍﻟﻤﻨﺎﻓﻊ ﺍﻟﺼﺤﻴﺔ‬
Maximum Limit for Health Benefits: (SR. 100,000 per person. )
(.‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ ﺍﻟﻮﺍﺣﺪ‬100,000):‫ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ ﻟﻠﻤﻨﺎﻓﻊ ﺍﻟﺼﺤﻴﺔ‬
a.Hospitalization (Up to maximum limit).
.(‫ﺍﻟﻌﻼﺝ ﻓﻲ ﺍﻟﻤﺴﺘﺸﻔﻰ )ﻣﻐﻄﻰ ﺣﺘﻰ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ‬.‫ﺃ‬
b.Limit of daily room and board for the patient including bed cost and
nursing care, medical visits, and medical supervision and subsistence ‫ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ ﻟﻺﻗﺎﻣﺔ ﻭﺍﻹﻋﺎﺷﺔ ﺍﻟﻴﻮﻣﻲ ﻟﻠﻤﺮﻳﺾ ﺑﻤﺎ ﻓﻲ ﺫﻟﻚ ﺗﻜﻠﻔﺔ ﺍﻟﺴﺮﻳﺮ‬.‫ﺏ‬
services. This includes the cost of medications and medical supplies .‫ﻭﺍﻟﺮﻋﺎﻳﺔ ﺍﻟﺘﻤﺮﻳﻀﻴﺔ ﻭﺍﻟﺰﻳﺎﺭﺍﺕ ﺍﻟﻄﺒﻴﺔ ﻭﺍﻹﺷﺮﺍﻑ ﺍﻟﻄﺒﻲ ﻭﺧﺪﻣﺎﺕ ﺍﻹﻗﺎﻣﺔ‬
that are given according to the prescription of the doctor (Shared ‫ﻭﺻﻔﺎﺕ‬ ‫ﻳﺸﻤﻞ ﺫﻟﻚ ﺗﻜﻠﻔﺔ ﺍﻷﺩﻭﻳﺔ ﻭﺍﻟﻤﺴﺘﻠﺰﻣﺎﺕ ﺍﻟﻄﺒﻴﺔ ﺍﻟﺘﻲ ﻳﺘﻢ ﺇﻋﻄﺎﺅﻫﺎ ﺣﺴﺐ‬
room, a maximum of 600 SR per day). .(‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻓﻲ ﺍﻟﻴﻮﻡ‬600 ‫ﺍﻟﻄﺒﻴﺐ)ﻏﺮﻓﺔ ﻣﺸﺘﺮﻛﺔ ﺑﺤﺪ ﺃﻗﺼﻰ‬

c.Limit of daily room and board for a patient companion (Shared ‫ﺣﺪ ﺍﻹﻗﺎﻣﺔ ﻭﺍﻹﻋﺎﺷﺔ ﺍﻟﻴﻮﻣﻲ ﻟﻤﺮﺍﻓﻖ ﺍﻟﻤﺮﻳﺾ)ﻏﺮﻓﺔ ﻣﺸﺘﺮﻛﺔ ﺑﺤﺪ ﺃﻗﺼﻰ‬.‫ﺝ‬
room, a maximum of 150 SR per day). .(‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻓﻲ ﺍﻟﻴﻮﻡ‬150

d.Expenses of emergency pregnancy and delivery (A maximum of ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ‬5,000 ‫ﻣﺼﺎﺭﻳﻒ ﺣﺎﻻﺕ ﺍﻟﺤﻤﻞ ﻭﺍﻟﻮﻻﺩﺓ ﺍﻟﻄﺎﺭﺋﺔ)ﺑﺤﺪ ﺃﻗﺼﻰ‬.‫ﺩ‬
5,000 SAR during the policy period). .(‫ﺧﻼﻝ ﻣﺪﺓ ﺍﻟﻮﺛﻴﻘﺔ‬

e.Travel costs of one close family member/caregiver (A maximum of ‫ﻣﺼﺎﺭﻳﻒ ﺍﻟﺴﻔﺮ ﻷﺣﺪ ﺃﻗﺮﺑﺎﺀ ﺍﻟﻤﺮﻳﺾ ﻣﻦ ﺍﻟﺪﺭﺟﺔ ﺍﻷﻭﻟﻰ)ﺑﺤﺪ ﺃﻗﺼﻰ‬.‫ﻩ‬
5,000 SAR during the policy period). .(‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﺧﻼﻝ ﻣﺪﺓ ﺍﻟﻮﺛﻴﻘﺔ‬5,000

f.Emergency dental treatment (A maximum of 500 SAR during the ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﺧﻼﻝ‬500 ‫ﻣﺼﺎﺭﻳﻒ ﺣﺎﻻﺕ ﻋﻼﺝ ﺍﻷﺳﻨﺎﻥ ﺍﻟﻄﺎﺭﺋﺔ)ﺑﺤﺪ ﺃﻗﺼﻰ‬.‫ﻭ‬
policy period). .(‫ﻣﺪﺓ ﺍﻟﻮﺛﻴﻘﺔ‬

g.Treatment of premature born babies (Up to maximum limit of . (‫ﻋﻼﺝ ﺍﻟﻤﻮﺍﻟﻴﺪ ﺍﻟﻤﺒﺘﺴﺮﻳﻦ "ﺍﻟﺨــﺪﺝ")ﺑﻤﺎ ﻻ ﻳﺘﺠﺎﻭﺯ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ ﻟﻮﺛﻴﻘﺔ ﺍﻷﻡ‬.‫ﺯ‬
mother policy).
.(‫ﺍﻹﺻﺎﺑﺎﺕ ﺍﻟﻨﺎﺟﻤﺔ ﻋﻦ ﺍﻟﺤﻮﺍﺩﺙ ﺍﻟﻤﺮﻭﺭﻳﺔ)ﻣﻐﻄﺎﺓ ﺣﺘﻰ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ‬.‫ﺡ‬
h.Injuries resulting from traffic accidents (Up to maximum limit of this
policy). ‫ﻧﻔﻘﺎﺕ ﺣﺎﻻﺕ ﻏﺴﻴﻞ ﺍﻟﻜﻠﻰ ﻓﻲ ﺍﻟﺤﺎﻻﺕ ﺍﻟﻄﺎﺭﺋﺔ)ﻣﻐﻄﺎﻩ ﺣﺘﻰ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ‬.‫ﻁ‬
.(‫ﻟﻠﻮﺛﻴﻘﺔ‬
i.Emergency Renal Dialysis costs (Up to maximum limit of this
policy). (‫ﺍﻹﺧﻼﺀ ﺍﻟﻄﺒﻲ ﺩﺍﺧﻞ ﻭﺧﺎﺭﺝ ﺍﻟﻤﻤﻠﻜﺔ)ﻣﻐﻄﻰ ﺣﺘﻰ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ ﻟﻠﻮﺛﻴﻘﺔ‬.‫ﻱ‬

j.Medical evacuation inside and outside the Kingdom (Up to 10,000 ‫ﻣﺼﺎﺭﻳﻒ ﺇﻋﺎﺩﺓ ﺭﻓﺎﺕ ﺍﻟﻤﺘﻮﻓﻰ ﺇﻟﻰ ﻣﻮﻃﻨﻪ ﺍﻷﺻﻠﻲ )ﺑﻤﺎ ﻻ ﻳﺘﺠﺎﻭﺯ‬.‫ﻙ‬
maximum limit of this policy). .(‫ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻛﺤﺪ ﺃﻗﺼﻰ‬

k.Corpse repatriation to home country expenses (A maximum of

10,000 SAR during the policy period).

General Benefits:
Accidental Death /Death due to Natural disaster: :‫ﺍﻟﻤﻨﺎﻓﻊ ﺍﻟﻌﺎﻣﺔ‬
:‫ ﺍﻟﻮﻓﺎﺓ ﺑﺴﺒﺐ ﺍﻟﻜﻮﺍﺭﺙ ﺍﻟﻄﺒﻴﻌﻴﺔ‬/‫ﺍﻟﻮﻓـﺎﺓ ﺍﻟﻌﺮﺿﻴﺔ‬
Up to SR. 100,000 per person or the legal blood money subject to ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ ﺃﻭ ﺍﻟﺪﻳﺔ ﻣﻊ ﺍﻟﺨﻀﻮﻉ ﻓﻲ ﺫﻟﻚ ﻟﺤﻜﻢ ﻗﻀﺎﺋﻲ‬100,000
court judgement not exceeding SR. 300,000 for male and SR. ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ‬150,000‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻠﺬﻛﻮﺭ ﻭ‬300,000 ‫ﻻ ﻳﺘﺠﺎﻭﺯ‬
150,000 for female .‫ﻟﻺﻧﺎﺙ‬
Accidental Permanent Total Disability: :‫ﺍﻟﻌﺠﺰ ﺍﻟﻜﻠﻲ ﺍﻟﺪﺍﺋﻢ ﺍﻟﻌﺮﺿﻲ‬
Up to SR. 100,000 per person ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ‬100,000
 Administered by:
Product ID: A-TAWU-2-I-20-066
8004400008 www.riaya-ksa.com
Mutamer Insurance Certificate ‫ﺷﻬﺎﺩﺓ ﺗﻐﻄﻴﺔ ﻣﻨﺎﻓﻊ ﺗﺄﻣﻴﻦ ﺍﻟﻤﻌﺘﻤﺮﻳﻦ‬

Delay or Cancellation Departure Flights from Kingdom of Saudi

Arabia: ‫ﺗﺄﺧﻴﺮ ﺃﻭ ﺇﻟﻐﺎﺀ ﺭﺣﻼﺕ ﺍﻟﻤﻐﺎﺩﺭﺓ ﻣﻦ ﺍﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬

A. Delay exceeding 4 hours: :‫ ﺳﺎﻋﺎﺕ‬4 ‫ﺍﻟﺘﺄﺧﻴﺮ ﺍﻟﺬﻱ ﻳﺰﻳﺪ ﻋﻦ‬-‫ﺃ‬

SR. 50 Per hour and maximum up to SR. 500 per ticket ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻜﻞ‬500 ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻓﻲ ﺍﻟﺴﺎﻋﺔ ﺑﺤﺪ ﺃﻗﺼﻰ ﻻ ﻳﺘﺠﺎﻭﺯ‬50
(Compensation will be calculated from the fifth delayed hour of the ‫ﺗﺬﻛﺮﺓ )ﺳﻴﺘﻢ ﺍﺣﺘﺴﺎﺏ ﺍﻟﺘﻌﻮﻳﺾ ﻣﻦ ﺳﺎﻋﺔ ﺍﻟﺘﺄﺧﻴﺮ ﻣﻦ ﻭﻗﺖ ﺭﺣﻠﺔ ﺍﻟﻄﻴﺮﺍﻥ ﺍﻟﻔﻌﻠﻲ‬
actual scheduled flight time on per hour basis) .(‫ﺍﻟﻤﺤﺪﺩ ﻋﻠﻰ ﺃﺳﺎﺱ ﻛﻞ ﺳﺎﻋﺔ‬

B. Cancellation : :‫ ﺇﻟﻐﺎﺀ ﺍﻟﺮﺣﻠﺔ‬-‫ﺏ‬

Up to 5,000 Saudi Riyal .‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ ﺍﻟﻮﺍﺣﺪ‬5,000 ‫ﻣﺎ ﻻ ﻳﺘﺠﺎﻭﺯ‬

Repatriation Expenses: :‫ﺇﻋﺎﺩﺓ ﺭﻓﺎﺕ ﺍﻟﻤﺘﻮﻓﻲ ﺇﻟﻰ ﻣﻮﻃﻨﻪ ﺍﻷﺻﻠﻲ‬

Up to SR. 10,000 per person ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ ﺍﻟﻮﺍﺣﺪ‬10,000 ‫ﻣﺎ ﻻ ﻳﺘﺠﺎﻭﺯ‬

Deductible: :(‫ﺍﻹﻗﺘﻄﺎﻉ )ﺍﻟﺘﺤﻤﻞ‬

NIL ‫ﻻﺷﺊ‬

Geographic scope of coverage: :‫ﺍﻟﻨﻄﺎﻕ ﺍﻟﺠﻐﺮﺍﻓﻲ‬

The Kingdom of Saudi Arabia .‫ﺍﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬

Jurisdiction : :‫ﺍﻹﺧﺘﺼﺎﺹ ﺍﻟﻘﻀﺎﺋﻲ‬

Competent Courts of Kingdom of Saudi Arabia. .‫ﺍﻟﻤﺤﻜﻤﺔ ﺍﻟﻤﺨﺘﺼﺔ ﺑﺎﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬

Main Exclusions:
:‫ﺍﻻﺳﺘﺜﻨﺎﺀﺍﺕ ﺍﻟﻤﺤﺪﺩﺓ‬
a. Medical treatment and examinations could be postponed until the
‫ﺍﻟﻌﻼﺝ ﻭﺍﻟﻔﺤﻮﺻﺎﺕ ﻏﻴﺮ ﺍﻟﻄﺎﺭﺋﺔ ﺍﻟﺘﻲ ﻳﻤﻜﻦ ﺃﻥ ﺗﺆﺟﻞ ﺣﺘﻰ ﻋﻮﺩﺓ ﺍﻟﺸﺨﺺ‬-.‫ﺃ‬
insured returns home.
.‫ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺇﻟﻰ ﻭﻃﻨﻪ‬
b. All costs relating to tooth implant, artificial teeth, fixed or mobile
‫ﺟﻤﻴﻊ ﺍﻟﺘﻜﺎﻟﻴﻒ ﺍﻟﻤﺘﻌﻠﻘﺔ ﺑﺰﺭﺍﻋﺔ ﺃﻭ ﺗﺮﻛﻴﺐ ﺍﻷﺳﻨﺎﻥ ﺍﻻﺻﻄﻨﺎﻋﻴﺔ ﺃﻭ ﺍﻟﺠﺴﻮﺭ‬-.‫ﺏ‬
bridges, or orthodontic.
.‫ﺍﻟﺜﺎﺑﺘﺔ ﺃﻭ ﺍﻟﻤﺘﺤﺮﻛﺔ ﺃﻭ ﺍﻟﺘﻘﻮﻳﻢ‬
c. Costs of vision or hearing tests, vision correction products or
‫ﺗﻜﺎﻟﻴﻒ ﺍﺧﺘﺒﺎﺭﺍﺕ ﺗﺼﺤﻴﺢ ﺍﻟﻨﻈﺮ ﺃﻭ ﺍﻟﺴﻤﻊ ﺃﻭ ﺍﻟﺠﺮﺍﺣﺔ ﺃﻭ ﺍﻟﻮﺳﺎﺋﻞ ﺍﻟﺒﺼﺮﻳﺔ‬-.‫ﺝ‬
surgery, or visual or hearing aids.
.‫ﺃﻭ ﺍﻟﺴﻤﻌﻴﺔ‬
d. Pregnancy that proves to be of more than six months
.‫ﺣﺎﻻﺕ ﺍﻟﺤﻤﻞ ﺍﻟﺘﻲ ﻳﺜﺒﺖ ﺣﺪﻭﺛﻬﺎ ﻷﻛﺜﺮ ﻣﻦ ﺳﺘﺔ ﺃﺷﻬﺮ‬-.‫ﺩ‬
e. Natural death of the Insured person or Natural disability.
.‫ﺍﻟﻮﻓﺎﺓ ﺍﻟﻄﺒﻴﻌﻴﺔ ﻟﻠﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺃﻭ ﺍﻟﻌﺠﺰ ﺍﻟﻄﺒﻴﻌﻲ‬.‫ﻩ‬
f. Any action caused by Insured person himself / herself leading to
/ ‫ ﻟﻨﻔﺴﻬﺎ ﻣﻤﺎ ﻳﺆﺩﻱ ﺇﻟﻰ ﺍﻟﻮﻓﺎﺓ‬/ ‫ﺃﻱ ﺇﺟﺮﺍﺀ ﻳﺘﺴﺒﺐ ﻓﻴﻪ ﺍﻟﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﻟﻨﻔﺴﻪ‬.‫ﻭ‬
death / Accidental Permanent Total Disability.
.‫ﺍﻟﻌﺠﺰ ﺍﻟﻜﻠﻲ ﺍﻟﺪﺍﺋﻢ ﺍﻟﻌﺮﺿﻲ‬
g. Returning dead body of the insured to a country other than his
.‫ﺇﻋﺎﺩﺓ ﺭﻓﺎﺕ ﺍﻟﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺇﻟﻰ ﺑﻠﺪ ﻏﻴﺮ ﻣﻮﻃﻨﻪ ﺍﻷﺻﻠﻲ‬.‫ﺯ‬
country of origin.
‫ ﻧﺸﺮﻩ ﺑﺎﻟﻔﻌﻞ ﻣﻦ ﻗﺒﻞ ﺷﺮﻛﺔ‬/ ‫ﺍﻟﺘﺄﺧﻴﺮ ﺍﻟﻤﻌﺮﻭﻑ ﺃﻭ ﺍﻟﺘﺄﺧﻴﺮ ﺍﻟﺬﻱ ﺗﻢ ﺇﺑﻼﻏﻪ‬.‫ﺡ‬
h. Known delays or delays already reported / published by the
.‫ﺍﻟﻄﻴﺮﺍﻥ‬
Airline.
.‫ﻓﻘﺪﺍﻥ ﺃﻭ ﺳﺮﻗﺔ ﺃﻭ ﺗﻀﺮﺭ ﺍﻻﻣﺘﻌﺔ‬.‫ﻁ‬
i. Loss / theft of, or damage to baggage.
‫ﺍﻟﺨﺴﺎﺭﺓ ﺍﻟﺘﺒﻌﻴﺔ ﺃﻳﺎً ﻛﺎﻥ ﻧﻮﻋﻬﺎ ﺑﻤﺎ ﻓﻲ ﺫﻟﻚ ﻓﻘﺪﺍﻥ ﺍﻟﺘﻤﺘﻊ ﺃﻭ ﺍﻟﺨﺴﺎﺭﺓ ﺍﻟﻤﺎﻟﻴﺔ ﻏﻴﺮ‬.‫ﻱ‬
j. Consequential loss of any kind including loss of enjoyment or any
.‫ﺍﻟﻤﻐﻄﺎﺓ ﻋﻠﻰ ﻭﺟﻪ ﺍﻟﺘﺤﺪﻳﺪ‬
financial loss not specifically covered.
‫ﺇﻟﻐﺎﺀ ﺍﻟﺮﺣﻼﺕ ﺍﻟﺠﻮﻳﺔ ﺑﺴﺒﺐ ﺍﻷﺿﺮﺍﺑﺎﺕ ﺃﻭ ﺍﻹﺟﺮﺍﺀﺍﺕ ﺍﻟﺼﻨﺎﻋﻴﺔ ﺍﻟﺘﻲ ﺑﺪﺃﺕ‬.‫ﻙ‬
k. Flight Cancellation caused by strike or industrial action.
.‫ﺃﻭ ﺃﻋﻠﻨﺖ ﻗﺒﻞ ﺗﺎﺭﻳﺦ ﺑﺪﺀ ﺳﺮﻳﺎﻥ ﺍﻟﻮﺛﻴﻘﺔ‬

COVID-19 Assistance Cover Benefits: :‫ﻣﻨﺎﻓﻊ ﺗﻐﻄﻴﺔ ﺍﻟﻤﺴﺎﻋﺪﺓ ﺍﻟﻤﺘﻌﻠﻘﺔ ﺑﻔﻴﺮﻭﺱ ﻛﻮﺭﻭﻧﺎ ﺍﻟﻤﺴﺘﺠﺪ‬
Repatriation Assistance in case the health condition of the insured ‫ﺍﻟﻤﺴﺎﻋﺪﺓ ﻓﻲ ﺍﻟﻌﻮﺩﺓ ﺇﻟﻰ ﺍﻟﻮﻃﻦ ﻓﻲ ﺣﺎﻝ ﺍﺳﺘﺪﻋﺖ ﺍﻟﺤﺎﻟﺔ ﺍﻟﺼﺤﻴﺔ ﻟﻠﻤﺆﻣﻦ ﻟﻪ ﻓﻲ‬
required so. . ‫ﺫﻟﻚ‬

Medical and hospital costs inside Kingdom of Saudi Arabia related to

‫ﺗﻜﺎﻟﻴﻒ ﺍﻟﻌﻼﺝ ﻭﺍﻟﻤﺴﺘﺸﻔﻰ ﻓﻲ ﺍﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ ﺍﻟﻤﺘﻌﻠﻘﺔ ﺑﻌﻼﺝ ﻓﻴﺮﻭﺱ‬
treatment of COVID-19
. (‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ‬650,000 ‫ﻛﻮﺭﻭﻧﺎ ﺍﻟﻤﺴﺘﺠﺪ )ﻣﺎﻻ ﻳﺘﺠﺎﻭﺯ‬
(Up to SR. 650,000).

: ‫ﺗﻜﺎﻟﻴﻒ ﺍﻹﻗﺎﻣﺔ ﺑﺎﻟﺤﺠﺮ ﺍﻟﺼﺤﻲ‬

Accommodation costs related to COVID-19 quarantine :
‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻤﺪﺓ‬450 ‫ﻋﻦ ﻛﻞ ﻳﻮﻡ ﻭﻟﻜﻞ ﺷﺨﺺ ﺧﺎﺿﻊ ﻟﻠﺘﻐﻄﻴﺔ ﺍﻟﺘﺄﻣﻴﻨﻴﺔ‬
SR.450 per day per covered person for a maximum of 14 days.
. ‫ ﻳﻮﻡ‬14 ‫ﺃﻗﺼﺎﻫﺎ‬

Assistance in the event of a covered person's death: : ‫ ﺟﺎﺋﺤﺔ ﻓﻴﺮﻭﺱ ﻛﻮﺭﻭﻧﺎ ﺍﻟﻤﺴﺘﺠﺪ‬/ ‫ﺍﻟﻤﺴﺎﻋﺪﺓ ﻓﻲ ﺣﺎﻟﺔ ﻭﻓﺎﺓ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﻧﺘﻴﺠﺔ ﻟﻮﺑﺎﺀ‬
In case of COVID-19 epidemic/pandemic: . ‫ﻧﻘﻞ ﺍﻟﺠﺜﻤﺎﻥ ﺇﻟﻰ ﺑﻠﺪ ﺍﻹﻗﺎﻣﺔ‬-
- Transporting the body to home country or country of residence. . (‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻜﻞ ﻓﺮﺩ‬6,500 ‫ﺗﻜﺎﻟﻴﻒ ﺍﻟﺠﻨﺎﺯﺓ )ﺣﺘﻰ‬-
- Funeral cost (Up to SR.6,500 per person).
 Administered by:
Product ID: A-TAWU-2-I-20-066
8004400008 www.riaya-ksa.com
Mutamer Insurance Certificate ‫ﺷﻬﺎﺩﺓ ﺗﻐﻄﻴﺔ ﻣﻨﺎﻓﻊ ﺗﺄﻣﻴﻦ ﺍﻟﻤﻌﺘﻤﺮﻳﻦ‬

Deductible: :(‫ﺍﻹﻗﺘﻄﺎﻉ )ﺍﻟﺘﺤﻤﻞ‬

NIL ‫ﻻﺷﺊ‬

Geographic scope of coverage: :‫ﺍﻟﻨﻄﺎﻕ ﺍﻟﺠﻐﺮﺍﻓﻲ‬

The Kingdom of Saudi Arabia .‫ﺍﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬

Jurisdiction : :‫ﺍﻹﺧﺘﺼﺎﺹ ﺍﻟﻘﻀﺎﺋﻲ‬

Competent Courts of Kingdom of Saudi Arabia. .‫ﺍﻟﻤﺤﻜﻤﺔ ﺍﻟﻤﺨﺘﺼﺔ ﺑﺎﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬
:‫ﺍﻹﺳﺘﺜﻨﺎﺀﺍﺕ ﺍﻟﻤﺤﺪﺩﺓ‬
.‫( ﻟﻔﻴﺮﻭﺱ ﻛﺮﻭﻧﺎ ﺍﻟﻤﺴﺘﺠﺪ‬PCR) ‫ﻧﻔﻘﺎﺕ ﺇﺧﺘﺒﺎﺭ ﺍﻟﺒﻲ ﺳﻲ ﺁﺭ‬.‫ﺃ‬
Main Exclusions:
.‫ ﺇﻟﻐﺎﺀ ﺍﻟﺮﺣﻼﺕ‬/ ‫ﺗﺄﺧﻴﺮ‬.‫ﺏ‬
a) COVID-19 PCR testing expenses.
b) Flight delay / cancelation. .‫ﺍﻟﺨﺪﻣﺎﺕ ﻭ ﺍﻟﻨﻔﻘﺎﺕ ﺍﻟﺘﻲ ﻟﻢ ﺗُﻨﻈﻤﻬﺎ ﺇﺩﺍﺭﺓ ﺍﻟﻤﺴﺎﻋﺪﺓ‬.‫ﺝ‬
c) Expenses incurred without the prior approval of the Assistance
Department. ‫ﻋﻨﺪﻣﺎ ﻳﺴﺎﻓﺮ ﺍﻟﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺇﻟﻰ ﻭﺟﻬﺔ ﺑﻤﺎ ﻳﺨﺎﻟﻒ ﻗﺮﺍﺭ ﺣﻈﺮ ﺍﻟﺴﻔﺮ ﺍﻟﺼﺎﺩﺭ‬.‫ﺩ‬
.‫ﻋﻦ ﺣﻜﻮﻣﺔ ﺑﻠﺪﻩ ﺍﻷﻡ ﺃﻭ ﻗﺮﺍﺭ ﺣﻈﺮ ﺍﻟﺴﻔﺮ ﺍﻟﺼﺎﺩﺭ ﻋﻦ ﺳﻠﻄﺔ ﻣﺤﻠﻴﺔ ﻓﻲ ﺍﻟﺒﻠﺪ ﺍﻟﻤﺘﺠﻪ ﺇﻟﻴﻬﺎ‬
d) The Insured travel against his/her home country’s government
advice or against local authority advice at the trip destination. . ‫ﻻﺗﺸﻤﻞ ﺍﻟﺘﻐﻄﻴﺔ ﺍﻟﺘﺄﻣﻴﻨﻴﺔ ﻃﺎﻗﻢ ﺍﻟﻄﺎﺋﺮﺓ‬.‫ﻩ‬
e) Airline personnel and aircrew are not covered under this policy.
f) The eventual results (check-up, additional treatment, recurrence) ‫ ﺍﻧﺘﻜﺎﺳﺔ( ﻣﻦ ﺩﺍﺀ ﻛﺎﻥ ﺳﺒﺒًﺎ ﻓﻲ ﻋﻮﺩﺓ‬،‫ ﻋﻼﺝ ﺇﺿﺎﻓﻲ‬،‫ﺍﻟﻨﺘﺎﺋﺞ ﺍﻟﻨﻬﺎﺋﻴﺔ ﻟـ )ﻓﺤﺺ‬.‫ﻭ‬
.‫ ﻓﻲ ﻭﻗﺖ ﺳﺎﺑﻖ‬،‫ﺍﻟﺸﺨﺺ ﺇﻟﻰ ﺃﺭﺽ ﺍﻟﻮﻃﻦ‬
from an ailment which previously gave rise to a repatriation.
g) No repatriation due to the consequences of ailments / accidents or ‫ ﺣﺎﺩﺙ ﺃﻭ ﺇﺻﺎﺑﺔ ﻃﻔﻴﻔﺔ ﻳﻤﻜﻦ ﻋﻼﺟﻬﺎ‬/‫ﻋﺪﻡ ﺍﻟﻌﻮﺩﺓ ﺇﻟﻰ ﺍﻟﻮﻃﻦ ﺑﺴﺒﺐ ﻋﻮﺍﻗﺐ ﺩﺍﺀ‬.‫ﺯ‬
minor injuries that can be treated at the location and not relating to .‫ﺑﺎﻟﻤﻮﻗﻊ ﻭﻻ ﺗﺮﺗﺒﻂ ﺑﺠﺎﺋﺤﺔ ﻛﻮﺭﻭﻧﺎ‬
COVID-19.

To read all Benefits & Exclusions: ‫ﻟﻺﻃﻼﻉ ﻋﻠﻰ ﻛﺎﻓﺔ ﺍﻟﻤﻨﺎﻓﻊ ﻭﺍﻻﺳﺘﺜﻨﺎﺀﺍﺕ‬:
Subject to all specified terms, as per policy conditions ‫ﻣﻊ ﻣﺮﺍﻋﺎﺓ ﺟﻤﻴﻊ ﺍﻟﺸﺮﻭﻁ ﻭﺍﻷﺣﻜﺎﻡ ﺍﻟﻤﺤﺪﺩﺓ ﻭﻓﻘﺎُ ﻟﺼﻴﺎﻏﺔ ﺍﻟﺴﻴﺎﺳﺔ ﺍﻟﻜﺎﻣﻠﺔ‬
available at (www.riaya-ksa.com) ‫ﺍﻟﻤﺘﻮﻓﺮﺓ ﻋﻠﻰ ﺍﻟﻤﻮﻗﻊ‬
(www.riaya-ksa.com)
For more information: contact Total Care Saudi: :‫ ﺍﻟﺘﻮﺍﺻﻞ ﻋﻠﻰ ﺃﺭﻗﺎﻡ ﺷﺮﻛﺔ ﺍﻟﻌﻨﺎﻳﺔ ﺍﻟﺸﺎﻣﻠﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬:‫ﻟﻺﺳﺘﻔﺴﺎﺭﺍﺕ‬
From inside KSA: 8004400008 8004400008 : ‫ﻣﻦ ﺩﺍﺧﻞ ﺍﻟﻤﻤﻠﻜﺔ‬
From Outside KSA: 00966138129700 00966138129700 : ‫ﻣﻦ ﺧﺎﺭﺝ ﺍﻟﻤﻤﻠﻜﺔ‬