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Medical Insurance

 

 

Health care cost, whether it be a serious or ordinary illness or injury are constantly on the rise due to inflation, sophisticated treatment procedures, advanced medication and the like. A suitable insurance plan will make you feel secure without worries or stress.

A choice of Health Care Plan, 'standard or tailor-made' is available that provide access to 24 hour medical treatment anywhere in Iraq as well as other specified countries as may be allowed under the plan selected.

A Medical Card is issued to insured persons for direct access to listed medical service providers in Iraq to avail health services . 

The Products:

  • Individual Health Plan
  • Group Health Plan

 

 

We offer wide range of Group medical insurance program for your employees and dependent family.

 

In-Hospital benefits:

  1. Room and board according to the hospitalization class as specified in the schedule
  2. Intensive care unit and coronary artery disease treatment
  3. Surgeon and anesthesiologist fees
  4. Hospital services (surgery. theatre, anesthesia, pharmacy, laboratory, radiology, etc.)
  5. Use of hospital medical equipment (e.g. heart and lung support systems, etc.)
  6. Intra-venous infusions, injections, etc.
  7. Diagnostic and laboratory tests, x-rays, electrocardiograms, scans, etc. (only related to the original cause of covered hospitalization)
  8. Various therapies including physiotherapy, chemotherapy, radiation therapy, etc.
  9. Physician and other specialist hospital consultation related to the original cause of covered hospitalization
  10. Private nursing care, if medically necessary and pre-approved by the Administrator
  11. Recipient transplantation services
  12. Ambulance services, if followed by hospitalization
  13. Incidental companion expenses for insured(s) below 13 years of age
  14. Morgue expenses in the event of death of the insured following admission and during hospitalization for a non-excluded bodily injury or sickness
  15. Maternity (including pregnancy, normal or caesarean delivery, legal abortion and all related complications)

 

Out-Hospital Benefits:

  1. Physician's Consultation
  2. Pharmaceuticals
  3. Diagnostic Tests
  4. Physiotherapy

 

Dental Benefits:

  1. Filling
  2. Tooth Extraction
  3. Root Canal Treatment
  4. Gum Treatment

 

Optical Benefits:

  1. Frames
  2. Medical Lenses

 

Medical Management:

  1. Annual Physical Check-up
  2. Pre-employment check-up
  3. Medical Administration

 

Medical Claim Payment Method:

  1. Direct Billing
  2. Medical Reimbursement Expenses