{"id":371,"date":"2020-05-02T21:25:21","date_gmt":"2020-05-02T18:25:21","guid":{"rendered":"https:\/\/myinsurance.partners-wa.com\/?post_type=product&p=371"},"modified":"2020-06-25T03:18:36","modified_gmt":"2020-06-25T00:18:36","slug":"individuals-family-health-insurance","status":"publish","type":"product","link":"https:\/\/myinsurance.partners-wa.com\/en\/product\/individuals-family-health-insurance\/","title":{"rendered":"Medical Individuals & Family Insurance"},"content":{"rendered":"

If you can\u2019t see the complete table, move it sideways to see the rest of the table.<\/p>\n

\n
\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Programs<\/td>\nProgram 1<\/td>\nProgram\u00a0 2<\/td>\nProgram\u00a0 3<\/td>\nProgram\u00a0 4<\/td>\nProgram\u00a0 5<\/td>\nProgram\u00a0 6<\/td>\nProgram\u00a0 7<\/td>\nProgram\u00a0 8<\/td>\n<\/tr>\n<\/thead>\n
Area of coverage<\/td>\nKuwait & Lebanon<\/td>\nKuwait only<\/td>\nKuwait only<\/td>\nKuwait only<\/td>\nKuwait only\u00a0<\/td>\nKuwait only\u00a0<\/td>\nKuwait only<\/td>\nKuwait & Lebanon<\/td>\n<\/tr>\n
Annual Financial Limit<\/span><\/td>\nUnlimited<\/td>\nKWD 3,000<\/td>\nKWD 5,000<\/td>\nKWD 10,000<\/td>\nKWD 7,500<\/td>\nKWD 15,000<\/td>\nKWD 100,000<\/td>\nKWD 200,000<\/td>\n<\/tr>\n
Chronic\u00a0<\/td>\nCovered
\u00a0(24 Months waiting period)<\/td>\n		200 KD
Starting after joining the insurnce<\/td>\n		300 KD
Starting after joining the insurnce<\/td>\n		400 KD
<\/span>Starting after joining the insurnce<\/span><\/td>\n		250 KD
Starting after joining the insurnce<\/span><\/td>\n		300 KD
Starting after joining the insurnce<\/span>
<\/span><\/td>\n		Covered
\u00a0(12 Months waiting period)<\/td>\n		Covered
\u00a0(12 Months waiting period)<\/td>\n<\/tr>\n
Pre-Existing<\/span>
<\/span>Any symptoms whether known or not that started before joining the insurance<\/span><\/td>\n		Covered
(12 Months waiting period)<\/td>\n		\u2718<\/td>\n\u2718<\/span><\/td>\n\u2718<\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/td>\n<\/tr>\n
Guaranteed Renewal ( GR )<\/td>\nCovered
( after 24 Months)<\/td>\n		\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n<\/tr>\n
IN-PATIENT<\/span><\/td>\nUnlimited<\/td>\nKWD 3,000<\/td>\nKWD 5,000<\/td>\nKWD 10,000<\/td>\nKWD 7,500<\/td>\nKWD 15,000<\/td>\nKWD 100,000<\/td>\nKWD 200,000<\/td>\n<\/tr>\n
Accommodation Type<\/span>
Private Standard Room <\/p>\n

<\/span><\/td>\n

55 KD<\/td>\n80 KD<\/td>\n100 KD<\/td>\n120 KD<\/td>\n70 KD<\/td>\n80 KD<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Hospital Services<\/span>
Treating doctor, consultant,anesthetist and surgeon fees,OT charges and Nursing fees<\/span><\/td>\n		Covered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Labtests, X-RAYS,MRI,CT scan & prescribed medications<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Intensive care unit<\/td>\nCovered<\/td>\n160 KD<\/td>\n200 KD<\/td>\n240 KD<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Hospital Cash Benefit
Per night for In-Patient covered treatments at a Government Hospital<\/span><\/td>\n		\u2718<\/td>\n10 KD per day
Max. 15 days<\/td>\n		15 KD per day
Max. 15 days<\/td>\n		20 KD per day
Max. 15 days<\/td>\n		10 KD<\/td>\n10 KD<\/td>\n50 KD<\/td>\n50 KD<\/td>\n<\/tr>\n
Parent Accommodation
with Child\u00a0<\/span><\/td>\n		Covered<\/td>\n10 KD per day
Max. 15 days<\/td>\n		15 KD per day
Max. 15 days<\/td>\n		20 KD per day
Max. 15 days<\/td>\n		10 KD<\/td>\n10 KD<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Physiotherapy<\/span>
Due to the accident\u00a0<\/span><\/td>\n		Covered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Home Nursing<\/td>\n\u2718<\/span><\/td>\n10 KD per day
Max. 30 days<\/td>\n		15 KD per day
Max. 30 days<\/td>\n		20 KD per day
Max. 30 days<\/td>\n		\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n<\/tr>\n
Deductible<\/td>\nNIL<\/td>\n10%<\/td>\n10%<\/td>\n10%<\/td>\n10%<\/td>\n10%<\/td>\nNIL<\/td>\nNIL<\/td>\n<\/tr>\n
Out Patient\u00a0<\/td>\nOpen limit<\/td>\nup to the limit<\/td>\nup to the limit<\/td>\nup to the limit<\/td>\n1500<\/td>\n2500<\/td>\nUP tp the limit<\/td>\nUP tp the limit<\/td>\n<\/tr>\n
Consultations<\/td>\n20 KD per visit<\/td>\n20 KD per visit<\/td>\n25 KD per visit<\/td>\n30 KD per visit<\/td>\n25 KD per visit<\/td>\n30 KD per visit<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Number of visits per person per year<\/td>\n10 visits<\/td>\n12 visits<\/td>\n15 visits<\/td>\n15 visits<\/td>\n15 visits<\/td>\n16 visits<\/td>\n16 visits<\/td>\n16 visits in kuwait & open in lebanon<\/td>\n<\/tr>\n
Lab , Diagnostic Tests \u2026<\/td>\n10 visits<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n300 KD<\/td>\n500 KD<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Medicines<\/td>\n10 visits<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n300 KD<\/td>\n500 KD<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Day care cases<\/td>\nCovered<\/td>\nCoverd<\/td>\nCovered<\/td>\nCovered<\/td>\n400 KD<\/td>\n700 KD<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Physiotherapy<\/td>\nCovered<\/td>\n5 sessions<\/td>\n7 sessions<\/td>\n9 sessions<\/td>\n50 KD<\/td>\n60 KD<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
MRI , CTSCAN<\/td>\nCovered (under LAB Limit)<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n50%<\/td>\n50%<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
\u00a0Deductible<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Consultations<\/td>\nNIL<\/td>\n5 KD<\/td>\n5 KD<\/td>\n5 KD<\/td>\n5 KD<\/td>\n5 KG<\/td>\n5 KD<\/td>\n5 KD in Kuwait & 20% in Lebanon<\/td>\n<\/tr>\n
Lab , Diagnostic Tests & Physiotherapy<\/td>\n15%<\/td>\n15%<\/td>\n15%<\/td>\n15%<\/td>\n15%<\/td>\n15%<\/td>\n20%<\/td>\n20%<\/td>\n<\/tr>\n
Medicines<\/td>\n15%<\/td>\n15%<\/td>\n15%<\/td>\n15%<\/td>\n15%<\/td>\n15%<\/td>\n20%<\/td>\n20%<\/td>\n<\/tr>\n
MRI , CTSCAN<\/td>\n15%<\/td>\n50%<\/td>\n50%<\/td>\n50%<\/td>\n50%<\/td>\n50%<\/td>\n20%<\/td>\n20%<\/td>\n<\/tr>\n
PREGNANCY &\u00a0 MATERNITY
(Hasband & wife must be enrolled)<\/span><\/td>\n		Open limit<\/td>\n600 KWD<\/td>\n750 KWD<\/td>\n1500 KWD<\/td>\n800 KWD<\/td>\n1600 KWD<\/td>\n1200 KWD<\/td>\n1500 KWD<\/td>\n<\/tr>\n
Normal,Complicated & Cesarean delivery<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Natural and legal abortion<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Room & Board<\/td>\n55 KD<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n55 KD<\/td>\n65 KD<\/td>\nCovered\u00a0<\/td>\nCovered\u00a0<\/td>\n<\/tr>\n
Consultations<\/td>\nCovered ( under outpatient sector)<\/td>\n10 visits<\/td>\n10 visits<\/td>\n10 visits<\/td>\n10 visits (15 KD per visit)<\/td>\n10 visits (20 KD per visit)<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Sonar<\/td>\nCovered<\/td>\n3 Sonars<\/td>\n3 Sonars<\/td>\n3 Sonars<\/td>\n3 Sonars<\/td>\n3 Sonars<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Lab ,Tests, Medicines…\u00a0<\/td>\nCovered ( under outpatient sector)<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
New Baby Born cover<\/td>\nFirst 7 Days<\/td>\nCovered first 14 Days<\/td>\nCovered first 14 Days<\/td>\nCovered first 14 Days<\/td>\nuntill 150 KD<\/td>\nuntill 200 KD<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Waiting Period\u00a0<\/td>\n12 months\u00a0<\/td>\n12 months<\/td>\n12 months<\/td>\n12 months<\/td>\n12 Months<\/td>\n12 Months<\/td>\n12 months<\/td>\n12 months<\/td>\n<\/tr>\n
Deductible<\/td>\nNIL<\/td>\n10%<\/td>\n10%<\/td>\n10%<\/td>\n10%<\/td>\n10%<\/td>\nNIL<\/td>\nNIL<\/td>\n<\/tr>\n
DENTAL<\/td>\nNot Covered<\/td>\nNot Covered<\/td>\nNot Covered<\/td>\n300 kd<\/td>\n300 KD<\/td>\n500 KD<\/td>\n300 KD<\/td>\n400 KD<\/td>\n<\/tr>\n
Consultations, X-ray, Extractions, Amalgam\/Composite, Glass lonomer filling, Root canal, Local anesthesia, Prescribed drugs<\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Waiting period<\/td>\nX<\/td>\nX<\/td>\nX<\/td>\n3 Months<\/td>\n12 Months<\/td>\n12 Months<\/td>\n3 Months<\/td>\n3 Months<\/td>\n<\/tr>\n
Deductible<\/td>\nX<\/td>\nX<\/td>\nX<\/td>\n20%<\/td>\n20%<\/td>\n20%<\/td>\n20%<\/td>\n20%<\/td>\n<\/tr>\n
Addional Coverage<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Visiting Doctors
Covered upto the usual & customary charges of in house doctors<\/span>
<\/span><\/td>\n		Covered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\nCovered<\/td>\n<\/tr>\n
Treatment Outside Network (Reimbursement<\/span>)<\/span><\/td>\n80%
Covered in urgent cases only<\/td>\n		75%
Covered in urgent cases only<\/td>\n		75%
Covered in urgent cases only<\/td>\n		75%
Covered in urgent cases only<\/td>\n		75%
Covered in urgent cases only<\/td>\n		75%
Covered in urgent cases only<\/td>\n		70%
Covered in urgent cases only<\/td>\n		70%
Covered in urgent cases only<\/td>\n<\/tr>\n
Global Emergency Services<\/span>
Emergency Medical Evacuation, Repatriation, Hospital Admission Assistance, Compassionate Visit\u2026etc<\/span><\/td>\n		\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/td>\n\u2718<\/td>\n\u2718<\/span><\/td>\nunlimited<\/td>\n<\/tr>\n
Territorial Cover<\/span>
Countries where medical evacuation & assistance are covered<\/span><\/td>\n		\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\n\u2718<\/span><\/td>\nWorldwide except country of residence<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n

*Terms and Conditions apply.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Policy Description below.<\/strong><\/p>\n","protected":false},"featured_media":372,"template":"","meta":[],"product_cat":[33],"product_tag":[46,43,45,44],"_links":{"self":[{"href":"https:\/\/myinsurance.partners-wa.com\/en\/wp-json\/wp\/v2\/product\/371"}],"collection":[{"href":"https:\/\/myinsurance.partners-wa.com\/en\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/myinsurance.partners-wa.com\/en\/wp-json\/wp\/v2\/types\/product"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/myinsurance.partners-wa.com\/en\/wp-json\/wp\/v2\/media\/372"}],"wp:attachment":[{"href":"https:\/\/myinsurance.partners-wa.com\/en\/wp-json\/wp\/v2\/media?parent=371"}],"wp:term":[{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/myinsurance.partners-wa.com\/en\/wp-json\/wp\/v2\/product_cat?post=371"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/myinsurance.partners-wa.com\/en\/wp-json\/wp\/v2\/product_tag?post=371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}