Saudi, Hungarian defense ministers discuss military ties    Al-Rajhi: Cabinet's decision is supportive to most vulnerable groups    King Salman appoints Dr. Majid Al-Fayyad as Royal Court advisor    Alkhorayef emphasizes Saudi Arabia's growing role as global industrial investment hub    Saudi Arabia adopts World Drowning Prevention Day as national health priority    GACA imposes SR2.8 million in fines for 87 civil aviation violations in Q2 2025    Desperate Gaza doctors cram several babies into one incubator as fuel crisis reaches critical point    ICC issues arrest warrants for Taliban leaders over women's rights violations    Syria issues appeal to EU for help battling massive wildfires along northwestern coast    Total e-messages sent to parties in lawsuits reach over 11.8 million during first half of 2025    3 arrested in assault case in Riyadh    New Property Ownership Law will take into effect in January 2026 Al-Hogail thanks King and Crown Prince for the updated law    HONOR returns to Esports World Cup as Official Smartphone Partner for 2025 The renewed commitment will see HONOR elevate mobile esports competition with cutting-edge AI technologies and industry-leading hardware    Riot Games responds to match-fixing allegations in VALORANT    BLAST responds to BESTIA Visa controversy ahead of CS2 Austin major    Christophe Galtier named NEOM SC head coach ahead of historic Saudi Pro League debut    Michael Madsen, actor of 'Kill Bill' and 'Reservoir Dogs' fame, dead at 67    BTS are back: K-pop band confirm new album and tour    Michelin Guide launches in Saudi Arabia with phased rollout in 2025    'How fragile we are': Roskilde Festival tragedy remembered 25 years on    Sholay: Bollywood epic roars back to big screen after 50 years with new ending    Ministry launches online booking for slaughterhouses on eve of Eid Al-Adha    Shah Rukh Khan makes Met Gala debut in Sabyasachi    Pakistani star's Bollywood return excites fans and riles far right    Exotic Taif Roses Simulation Performed at Taif Rose Festival    Asian shares mixed Tuesday    Weather Forecast for Tuesday    Saudi Tourism Authority Participates in Arabian Travel Market Exhibition in Dubai    Minister of Industry Announces 50 Investment Opportunities Worth over SAR 96 Billion in Machinery, Equipment Sector    HRH Crown Prince Offers Condolences to Crown Prince of Kuwait on Death of Sheikh Fawaz Salman Abdullah Al-Ali Al-Malek Al-Sabah    HRH Crown Prince Congratulates Santiago Peña on Winning Presidential Election in Paraguay    SDAIA Launches 1st Phase of 'Elevate Program' to Train 1,000 Women on Data, AI    41 Saudi Citizens and 171 Others from Brotherly and Friendly Countries Arrive in Saudi Arabia from Sudan    Saudi Arabia Hosts 1st Meeting of Arab Authorities Controlling Medicines    General Directorate of Narcotics Control Foils Attempt to Smuggle over 5 Million Amphetamine Pills    NAVI Javelins Crowned as Champions of Women's Counter-Strike: Global Offensive (CS:GO) Competitions    Saudi Karate Team Wins Four Medals in World Youth League Championship    Third Edition of FIFA Forward Program Kicks off in Riyadh    Evacuated from Sudan, 187 Nationals from Several Countries Arrive in Jeddah    SPA Documents Thajjud Prayer at Prophet's Mosque in Madinah    SFDA Recommends to Test Blood Sugar at Home Two or Three Hours after Meals    SFDA Offers Various Recommendations for Safe Food Frying    SFDA Provides Five Tips for Using Home Blood Pressure Monitor    SFDA: Instant Soup Contains Large Amounts of Salt    Mawani: New shipping service to connect Jubail Commercial Port to 11 global ports    Custodian of the Two Holy Mosques Delivers Speech to Pilgrims, Citizens, Residents and Muslims around the World    Sheikh Al-Issa in Arafah's Sermon: Allaah Blessed You by Making It Easy for You to Carry out This Obligation. Thus, Ensure Following the Guidance of Your Prophet    Custodian of the Two Holy Mosques addresses citizens and all Muslims on the occasion of the Holy month of Ramadan    







Thank you for reporting!
This image will be automatically disabled when it gets reported by several people.



Amendments to health insurance system OK'd
Published in The Saudi Gazette on 23 - 03 - 2014


Saudi Gazette report

RIYADH — The Council of Cooperative Health Insurance (CCHI) has approved a number of amendments to health insurance system that go into effect by the end of next month. Some of the major changes include a maximum ceiling of SR500,000 for a health policy coverage, permission for women employees to unconditionally include their husbands in their insurance policies and coverage of both expatriates and citizens, Al-Riyadh daily reported.

The insurance will cover all non-Saudi employees in the private sector, and expatriates who are neither public nor private sector employees. If the insured is a male employee, his wife or wives are included in the policy, as well as his under-25 male children and unmarried daughters.

Non-Saudi employees in the public sector and their families are exempted from insurance coverage except the husband of an insured woman. No insurance company can refuse an insurance policy as long it is in accordance with rules and regulations of the CCHI insurance system.

Insurance companies are required to have a contract with companies that have approved medical facilities to treat their insured employees there. Business owners are required to provide an insurance company with proof that an insured employee has left the country on an exit-only visa, has transferred sponsorship, or is dead, so the insurance company may void the policy. Insurance companies are required to issue insurance certificates, upon the request of an insured company, so it can be presented to the concerned bodies for the issuance or renewal of iqamas (residency permits).
A business owner has the right to cancel an insurance policy if a letter is submitted 30 days prior to the cancellation date to the insurance company and copied to the CCHI. In such case, the company has the right to receive a partial compensation for the unused insurance period, and companies are required to return insurance cards to the insurance company, and sign a contract with another insurance company for health coverage to begin the day after the first insurance policy expires.


If an employee is transferred from one company to another, the latter company should insure the employee beginning the day of his transfer. Insurance policies will cover maternity and birth expenses, and children born from in vitro fertilization, but infertility, impotence, and in vitro fertilization expenses are exempted. Insurance coverage is limited to the network of medical services providers the insurance company has contracted with, but in emergency cases, the coverage includes medical providers that are outside the network.

A business owner is committed to providing health insurance to expatriates since the day of their arrival into the country, and should hand them their insurance cards within 10 days of their arrival.

Insurance companies should agree to insurance premiums with business owners, but should be in accordance with premiums in the insurance market. The premium should be technically justified, and should never be below the actual cost of the policy. A cooperative health insurance fund will be set up to cover expenses exceeding the insurance policy coverage.

Insurance companies may refuse insuring a certain company by submitting a letter to the CCHI explaining the reasons for such refusal. Insurance coverage will not be linked to the issuance of insurance cards, and an insurance policy will not be included in the automatic system of CCHI if the premiums are not justified. In addition, insurance companies are required to list the names of the insured, within 48 hours, in the electronic system of CCHI.

An insurance company will be disqualified if it is proven that it has issued an insurance policy without providing any true health services.
The medical services providers include primary health care providers (first level), general hospitals (second level), and specialized hospitals (third level), in addition to complementary health providers such as one-day procedures, pharmacies, physical therapists and optics shops.

Service providers are to submit reports every three years explaining their commitment to quality provided, according to the CCHI requirements.


Clic here to read the story from its source.