Health Insurance For Expats Rises To 190 Dinars

Given its unaltered status over the past ten years, the Dhaman Health Assurance Hospitals Company questions the adequacy of its 130 dinar annual premium for healthcare services. During this period, the Ministry of Health has repeatedly increased fees for expatriates and expanded the list of medications not covered, all aimed at maintaining fiscal stability.

The company is considering a reasonable increase in the annual premium in order to ensure the economic sustainability of the project while maintaining their commitment to cost control measures. In response to inquiries from Representative Khaled Al-Tamar, the company has committed to maintaining the health insurance policy’s price at 130 dinars for two years before gradually raising it to 150 dinars. Thereafter, the premium will increase every two years, reaching 190 dinars by the tenth year. According to Alseyassah Daily, the company retains the right to raise fees for health center reviews if inflation exceeds 6 percent.

By the end of the tenth year, primary health center review fees will rise incrementally from 2.5 dinars in the initial two years to 3.5 dinars. Emergency fees will also increase, going from 4 dinars to 5 dinars in the tenth year.

All medical expenses, such as analyses, x-rays, examinations, outpatient clinic visits, surgical procedures, medications, hospital admissions, and stays, are the responsibility of expatriates.

The company cited a continuous stream of requests to the Ministry of Health as the reason for the delayed issuance of documents. However, the Ministry’s tardiness in granting licenses to open hospitals in Al-Ahmadi and Al-Jahra has resulted in significant and unwarranted pre-expense increases.

According to the document, the Ministry of Health is required to provide specialized healthcare (tertiary care) to company beneficiaries. In return, the company will make an upfront payment to the Ministry, not exceeding 5 percent of the guarantee value per beneficiary, based on a contractual agreement.

A company's "Dhaman" system offers hospitalization, emergency care, outpatient clinics, as well as primary and secondary healthcare. This will be possible once the Ministry of Health grants medical practice licenses to doctors. Due to licensing delays, hundreds of doctors have been hired months in advance of their services, resulting in higher operational expenses and revenue losses.

 

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