The Standard Insurance Policy of the compulsory health insurance for domestic workers and their equivalent who are more
Art. SEVENStatus unknownSaudi ArabiaRegulation
Issued by Insurance Authority (ia.gov.sa)
The insurance coverage of the Policy does not include the following:
The maximum benefit limit - for each insured - for the duration of the policy, including
the minimum limits stated in this policy
Diseases that arise as a result of the intentional misuse of certain medications,
stimulants, or tranquilizers, or as a result of the abuse of alcohol, drugs, or the like.
Surgery or cosmetic treatment unless necessitated by accidental physical injury
not excluded in this section.
Comprehensive examinations and vaccinations, drugs or preventive methods that
do not require medical treatment stipulated in this document.
Treatment that the insured person receives without compensation.
Recreation, convalescence, beauty, general physical health programs and
treatment in social care homes.
Any illness or injury that arises as a direct result of the insured person’s profession
and personal risks.
Treating medically recognized venereal or sexually transmited diseases.
Treatment expenses for the period following the diagnosis of human
immunodeficiency virus (HIV) or illnesses related to HIV, including AIDS (acquired
immunodeficiency virus), its derivatives, synonyms, or other forms.
All costs related to dental implants, installation of artificial teeth, fixed or removable
bridges, or braces.
Costs of glasses, headphones, vision or hearing correction tests and operations,
and visual or hearing aids.
The expenses of transporting the insured person within and between the cities of
the Kingdom by unlicensed means of transportation (ambulance).
Hair loss, baldness, or wigs.
Treating psychological conditions, mental or neurological disorders.
Allergy tests, whatever their nature, other than those related to prescribing
treatment medications.
Devices, methods, drugs, procedures, or hormone treatment for the purpose of
birth control, preventing pregnancy, infertility, impotence, decreased fertility, in
vitro fertilization, or any other means of artificial insemination.
Cases of weakness or congenital deformity unless they pose a danger to the life of
the insured.
Any additional costs or expenses incurred by a companion of the insured during
his hospitalization or stay in the hospital, other than the expense of
accommodation and subsistence in the hospital for one companion of the insured,
such as a mother accompanying her child until the age of twelve, or whenever
medical necessity requires that at the discretion of the treating physician.
Treating pimples (acne) or any treatment related to obesity or obesity, other than
covered medications.
Cases of transplantation of transferred organs and bone marrow, or
transplantation of alternative artificial organs that replace any organ in the body,
completely or partially.
Prosthetics and auxiliary limbs.
The natural changes of menopause for the insured woman, including menstrual
changes.
Treatment with herbs or natural medicines and any other methods of alternative
medicine.
Illegal abortions (according to the laws of the Kingdom of Saudi Arabia), or cases
of pregnancy, childbirth, or legal abortion (not disclosed) in the insurance
application.
Suicide or intentional physical or psychological harm to oneself.
The insured’s resistance, refusal, or non-compliance with the medical directions
provided by the company doctor and the treating physician.
A medical evacuation or return the insured to his home country in the following
cases:
Th. If the insured suffers from minor wounds, minor injuries such as sprains, simple
fractures, or a moderate illness that can be treated by doctors in the country of
arrival and does not prevent the participant from continuing his travel journey or
being returned to his homeland.
Health benefits and the return of the body to the place of origin in the event of
claims arising directly from the following:
The company has the right to delete or replace any and/or all of the service
providers designated for the purposes of this policy, during the period of
The Arabic text is the legally binding version. The English translation is provided for guidance only.
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