17119966

FAQs

Frequently Asked Questions

Travel Insurance

What is the premium for Travel insurance?

The premium is BD 58.5/- for annual family coverage and BD 48.5/- for annual individual coverage.

What is the geographical scope and duration of this policy?

The geographical scope is worldwide, including USA and Canada, and there are two policy duration options, annual and two-year coverage.

What is the eligibility to apply for travel insurance?

  • Residents of Bahrain.
  • People intending to travel less than 92 consecutive days.
  • Under Family package, Family includes Insured, spouse, and his/her children aged 3 months to 17 years

How many children can be covered under the Family package?

Unlimited number of children can be covered under the Family option as long as they are aged between 3 months and 17 years.

Does this insurance cover the Schengen medical insurance requirements?

Schengen requires a minimum limit of £30,000 for medical expenses. Our policy covers up to $50,000 in respect of Emergency Medical Assistance which exceeds the minimum requirements.

What are the benefits covered under this policy?

Our Travel policy provides five categories of benefits. They are as follows:

  • Emergency Medical Assistance
  • 24 Hours Emergency Services
  • Losses and Delays Benefits
  • Personal Accident Coverage
  • Personal Civil Liability Coverage

For a summary of the benefits covered under each section and their limits, click on Benefits of the Product.

Are there any exclusions to this insurance?

Yes, as in the case of other insurance contracts, this policy has certain exclusions. These are clearly listed in the Terms and Conditions. Some of the exclusions are:

  • Illnesses or injuries arising from chronic ailments or from those that existed prior to the inception date of the policy
  • Natural catastrophes
  • War and war-like operations
  • Participation in hazardous sports
  • Permanent residents and students outside Bahrain
  • Internationally and locally recognized epidemics
  • Death or injury as a result of suicide or attempted suicide or any self-inflicted injuries
  • Illnesses or injuries caused by the voluntary consumption of alcohol, drugs or other similar substances

How do I declare a claim or seek assistance?

  • First, take all reasonable precautions to minimize the loss.
  • As soon as possible contact the 24 hours, 7 days a week, emergency line for the Assistance Company (the contact details will be provided in the policy document).
  • Make sure to provide the Company with all relevant documentation/information.
  • Make no admission of liability or offer promise or payment of any kind.
  • Please refer to the policy document for more information on claims requirements.

What is the contact number for Travel Insurance claims?

The contact numbers of our service provider (Gulf Assist) are as follows:

International Tele No.:    +973 17218899

Fax:           +973 17215177

E-mail:       operations@gulfassist.com

Europe Contact Numbers:  

Ireland      +353 91560621

Germany    +49  1805115610

Gulf Assist will provide you with the necessary assistance and claim's clarifications required. 

What are the full terms and conditions of the policy?

For full details of what is covered and the terms and conditions, click on Terms and Conditions.

Home

What is the minimum premium for Home insurance?

Premiums start from BD 20/- annually.

How can I arrive at the Sum Insured?

The policy covers you on a Reinstatement Value basis, which means that the policy will pay the cost of reconstructing your house (in case of a total loss) or replacing your content with new similar content provided the Sums Insured are adequate.

Building Sum Insured ...... the total value of rebuilding the property at the time of loss, the cost of raw material and labor and excluding the land price.

Content Sum Insured ...... the value of replacing the content as if new.

Do I need to cover the building and contents?

If you live in an owned property, you can cover both the building and contents. If you are a tenant, the contents only can be covered along with the fixtures and fittings owned by you. A landlord who is renting out his property could cover the building with its fixtures and fittings in addition to the contents that he is providing.

What do I need to declare under the content insurance section?

Single items within the contents exceeding BD 2,000 need to be declared. No one article will be deemed of greater value than BD two thousand on the said contents unless such article is specially declared as separate item.

What is alternative accommodation cover under the policy?

The policy will cover the cost of an alternative accommodation up to 5% of the total sum insured of building and contents if a loss renders your residence uninhabitable and while it is being repaired.

How much does domestic worker cover under the policy cost?

First worker (housemaid, gardener, chef, etc.) will be covered for free and BD 5/- for any extra worker.

What is the domestic worker cover under the policy?

Domestic workers, e.g. housemaids, employed by you in your personal capacity (not for commercial activities) can be insured under the policy. The first worker can be insured for free and any additional worker can be covered for an extra BD 5/- only.

Fot more details about what is covered, click on the benefits table.

What is jewellery insurance cover?

Provided jewellery is kept in a locked safe, your jewellery will be covered up to 15% of content sum (the value of replacing the content as if new) insured subject to a maximum of BD 2,500/- 

Can I increase the limit of jewellery cover?

By paying an additional BD 10/-, the jewellery limit will increase to cover up to 25% of content sum (the value of replacing the content as if new) insured subject to a maximum of BD 5,000/-

What is deductible?

Deductible is the amount, mentioned in the policy schedule, which the Insured is responsible to pay in respect of each and every loss.

What are the 24 hours emergency services provided under the policy (Home Assist section)?

 The home emergency assistance services benefit is a free of charge benefit bundled with your Home insurance policy that enables you to get the services of an assistance company for home emergency repair services, for up to three incidents per year and with a covered limit of BD 70 per incident. The services include emergency:

  • PLUMBING
  • ELECTRICITY
  • LOCK SMITH
  • GLASS WORK (Glazing)

 For more details, click on Home Assist

Can I cover my home against Riots, Strikes, Malicious Damage, Sabotage and Terrorism?

This cover is an optional extension to your home policy that covers damages to your property that arise due to a malicious act of any person(s), riots, civil commotion and unrest, strikes, terrorism and the use of violence for political ends. This extension is subject to an additional premium.

Are there any exclusions to this insurance?

Yes, as in the case of other insurance contracts, this policy has certain exclusions. These are clearly listed in theTerms and Conditions. Some of the more important exclusions are:

  • War and war-like operations.
  • Malicious acts, including malicious fire, caused by a third party, unless coverage for Riots, Strikes and Malicious Damage is obtained.
  • Consequential loss or damage of any kind.
  • In respect of damages arising from Storm and Flood, property kept in the open is not covered, such as outdoor fixtures and fittings.
  • In respect of escape of water from any tank or pipe, the cost of locating and rectifying the source of escape is not covered. However, damages caused by the escape of water are covered. In addition, damage in respect of any building which is left unoccupied for more than 30 days consecutively is not covered.
  • Theft not consequent upon actual forcible and violent entry into or exit from the premises.

How to make a claim?

You need to take the following actions if a claim occurs:

(i) Immediately take steps to minimise the loss or damage and recover any missing property

(ii) Give an immediate notice in writing to the Company as soon as practicable but in any case within 30 days of loss occurrence, and submit to the Company all the necessary supporting documents

What is the contact number for Home Insurance claims?

For Home Assist 24-hour Emergency Assistance Services, the contact number of our service provider (Gulf Assist) is 17576642

For other Home insurance claims, our contact number is 17119999 (Sun-Thu: 7:30am-3:30pm)

You can call us and request to talk to property claims department who will provide you with the necessary assistance and claim's clarifications required. 

What are the full terms and conditions of the policy?

For full details of what is covered and the terms and conditions, click on Terms and Conditions.

Motor Insurance

What is the minimum premium available under Motor Insurance?

The minimum annual premium is BD 140/- in case of Gold+ and BD 170/- in case of Platinum+

How can I decrease my premium?

  • Deselect the optional extras you don't need
  • Choose a higher excess
  • Submit a no claim bonus letter from your current insurance company
  • If your policy is claim free for a year, you will get rewarded with a no claim discount which decreases your rate at renewal (up to a maximum discount)

How can I arrive at the Sum Insured?

The policy covers you on a Market Value basis, which means that the policy will pay the cost of the car in the market at the time of loss, taking depreciation and market conditions into account. The sum insured for a new car is usually its purchase price and then the sum insured gets depreciated at every renewal to reflect the reduction in the car's market value.

What are the various product options and benefits available?

To view a comparison of the two products available, please click on Benefits of the Product.

Do I register or insure my car first?

Registration occurs after the car has been insured.

Is motor third party insurance only available online?

No, only comprehensive motor insurance is available online.

What are the pick-up and delivery services?

These are a bundle of services offered with your motor comprehensive policy at a nominal fee, as follows:  

  • Pickup and Delivery for Routine Maintenance: We will arrange to pick up your car from you and take it to the agent to do the necessary maintenance required and deliver it back to you.
  • Traffic Inspection and Registration: For cars above 4 years old, we will arrange to pick up your car from you and take it to the traffic directorate for annual inspection and registration.
  • Car Registration through Post: For cars up to 4 years old, we will renew your car registration through the post office.
  • Car Replacement: We will arrange to deliver a rental car to you while your car is being used for pickup and delivery services or while your car is being repaired due to an accident.
  • Taxi Services: If you prefer to personally take your car for the regular maintenance, we will arrange a taxi to pick you up from the agent (when you hand over your car) and drop you off at any place in Bahrain. When your car is ready, we can also arrange a Taxi to pick you up from any place in Bahrain and drop you off at the agent.

Note: The above services need booking 48/H in advance

For more info, please click on Pickup and Delivery Services 

What is the standard depreciation applied on parts?

A fixed percentage for depreciation is deducted when an old part is replaced with a new one at the time of repairing the Insured Vehicle due to an accident covered by the policy, as follows: 

Age of Insured Vehicle since manufacture                        

Rate of deprecation      

Up to 3 years                                                          

Nil

4 years                                                                   

10%

5 years                      

20%

6 years                                                                   

30%

7 years                                                                   

40%

Over 7 years                                                          

50%

Tires, Exhaust and Battery above 6 months

50%

Note: If Platinum+ is selected, depreciation on parts will be applied from 6 years onwards.

What if I wanted to cancel the policy after purchasing it?

Section 1 (own damage to the Insured Vehicle) can be cancelled by the insured. Provided no claim has arisen during the current period of insurance, a return of premium at the following short period rates based on the period the policy has been in force will be allowed: ;

Covered  period         

Percentage of the annual Premium retained by the Company

Not exceeding one week

12.5%     

Not exceeding one month              

25%

Not exceeding two months            

37.5%

Not exceeding three months           

50%

Not exceeding four months           

62.5%

Not exceeding six months             

75%

Not exceeding eight months           

87.5%

Exceeding eight months                 

Full Premium

How do I make a claim?

  • Inform the authorities immediately
  • Obtain an accident report
  • Visit or call our Motor Claims Department
  • If the vehicle can be driven and depending on its age, take it to your desired auto-shop/agency garage

What is the contact number for Motor Insurance claims?

For Vehicle/Road-Side Assistance or Car Replacement Services, the Toll Free numbers of our service provider (Gulf Assist) are as follows:

Bahrain:               80001218

UAE:                    80009730222

Kuwait:                 22583600

Qatar:                  080097305

Oman:                 24785486

KSA:                     8008973222

For Pick Up and Delivery Services (this service is not necessarily related to claims), the contact number of our service provider (Gulf Assist) is 17218925

For Worldwide Emergency Travel Assistance provided under Platinum+ option, the contact details of our service provider (Gulf Assist) are the following:

Tel:         +973 17218899

Fax:        +973 17215177

Email:    operations@gulfassist.com

For road accident claims, our Motor Claims Department contact numbers are:

Tel:         +973 17875000 (Sun-Thu: 7:30am-3:30pm)

Fax:        +973 17875050

What are the full terms and conditions of the policy?

For full details of what is covered and the terms and conditions, click on Terms and Conditions.

 

 

Domestic Help

Who is considered a domestic worker under this policy?

Domestic workers are those employed by you in your personal capacity (not for commercial activities). They can be:

  • Cooks
  • Gardeners
  • Maids
  • Drivers

What does the policy cover and for what limits?

Nature of Benefit

Benefit Amount

Death due to accident

BD 5,000/-

Permanent disablement due to accident

% of BD 5,000 based on degree of disability

Medical expenses arising out of bodily injury resulting in death or in permanent disability to the helper

BD 500/-

Actual cost of repatriation of the mortal remains following death (accidental or natural, but excluding suicide)

BD 1,000/-

Expenses incurred to recruit a replacement domestic help in the event of death or permanent disability exceeding 50% due to accident

BD 500/-

What is the role of the employer/ sponsor?

The employer is the Insured/policy holder in whose name the policy is issued. The Domestic Help is the insured person covered by the policy. The Company will pay the Insured (employer) if the insured person (domestic help) sustains bodily injury covered by the policy. For death and disability benefits, the employer is in turn responsible to compensate the domestic help or his/her family. 

What if more than one domestic help is employed by me?

No problem. In order to insure them all, you need to select the number of domestic help you would like to insure, enter their personal details and pay the relevant premium.

Are there any exclusions to this insurance?

Yes, as in the case of other insurance contracts, this policy has certain exclusions. These are clearly listed in the Terms and Conditions. Examples of claims excluded in the policy are those arising from:

  • Pregnancy, childbirth, miscarriages or abortion
  • Suicide or attempt thereat or intentional self injury or willful exposure to danger
  • Mental or physical defect or infirmities known to the insured person at the commencement of the insurance or at the time of renewal
  • Consists solely of illness, disease or disorder
  • Consequent upon the effect or influence of alcohol or drugs
  • Taking part in hazardous sports

How to make claim?

  • Notice must be given to the Company in writing within 21 days of occurrence.
  • All reports, certificates and information required by the Company must be furnished.
  • In connection with any claim, an insured person may be required to undergo medical examination at the expense of the Company.
  • In connection with any claim, a representative of the Company shall be allowed to visit the insured person at any reasonable time.
  • A certificate from the Bahrain Medical Commission is to be submitted to the Company in respect of claim for disability benefits. The maximum benefit payable will be as per the disability scale mentioned in the scale of benefits attached to the policy.

What is the contact number for Domestic Help insurance claims?

Our contact number is 17119999 (Sun-Thu: 7:30am-3:30pm)

You can call us and request to talk to the Claims Department who will provide you with the necessary assistance and claim's clarifications required. 

What are the full terms and conditions of the policy?

For full details of what is covered and the terms and conditions, click on Terms and Conditions.

Amal

What is Critical Illness assurance?

Critical illness is a form of Loss of income insurance that provides a lump-sum payment upon the diagnoses of one of the insured conditions.

How can you benefit from the Amal policy?

You can use the lamp sum amount paid to you to:

  • Pay for the costs of care and treatment
  • Replace any lost income due to a decreasing ability to earn
  • Any other purpose

How much does it cost?

Premiums start from as low as BD 20/- and are paid annually. In the case of 5-year policy duration, the premium can also be paid as a single premium upfront for the whole period, for which a discount will be granted.

Do I need Critical Illness Assurance?

In determining your need for this cover, you should consider your personal circumstances and the added financial strain that could be brought about in dealing with a serious illness or disease, in addition to the benefits that may already be available from your employer. 

What is the eligibility to apply for Amal?

If you are a resident of Bahrain and your age is between 18 years to 63 years, you are eligible to apply for Amal.

What are the sum assured and period options available under Amal?

The minimum coverage is BD 5,000. There are two other options for those interested in higher coverage, i.e. BD 10,000 and BD 20,000.

As to the period, the policy can be purchased for a duration of one year, two years, three years, four years and five years. Obtaining a 5-year policy means that you will not need to go though the underwriting process every year until the end of the 5th year.

In the unfortunate event of death of an insured member due to one of the insured critical illnesses, will the insurance company pay the sum assured?

No, this insurance does not pay for death or disability. It is meant to provide financial relief for persons diagnosed with the dreaded diseases who survive the "Deferred Period". 

What are the specific conditions for Amal?

Amal's benefit will be paid only once, whether one or more disease/surgery occurs simultaneously or otherwise.

Amal has a minimum 'Waiting Period' of 90 days, meaning that no benefit will payable in respect of diagnosis/surgery of one of the named diseases/illnesses within 90 days from policy inception. After the waiting period, this insurance will pay the sum assured when an insured member is diagnosed to be suffering from one of the named critical illnesses, but after a 'Deferred period' of 30 days from the first conclusive diagnosis of the disease/surgery. If the unfortunate insured member does not survive the 30 days 'deferred period', the policy does not pay any compensation.

What is a Waiting Period?

A Waiting Period of 90 days will apply, meaning no benefit will be paid in respect of a disease first diagnosed during the waiting period or for a surgery undergone or requested / prescribed by a Doctor during the waiting period. Any claim resulting, directly or indirectly from a condition (sickness or accident) which originated during the waiting period will be excluded from coverage.

What is a 'deferred period'?

Critical Illness insurance pays the sum assured only when the member survives 30 days after the first conclusive diagnosis. If the member unfortunately passes away during this period, the claim is not payable. This period of 30 days before a claim is admitted is known as 'deferred period'.

In the unfortunate event of death of an insured member due to one of the insured critical illnesses, will the insurance company pay the sum assured?

No, this insurance does not pay for death or disability. It is meant to provide financial relief for persons diagnosed with the dreaded diseases who survive the "Deferred Period".

Are there any exclusions to this insurance?

Yes, as in the case of other insurance contracts, this policy has certain exclusions. These are clearly listed in the Terms and Conditions. Some of the more important exclusions are:

  • All pre-existing conditions - known or unknown to the member.
  • Congenital defects and their consequences.
  • Any disease in the presence of HIV/AIDS.
  • Any disease that first occurred prior to the inception of the policy.
  • Injuries or diseases arising from participation in dangerous sports.
  • Any disease discovered following stay abroad for more than 13 consecutive weeks.
  • Failure to seek or follow medical advice.
  • Use of drugs without valid medical prescription.
  • Alcohol abuse.

How do I make a claim?

The following documents have to be submitted by the insured:

  • Immediate written notification of any claim occurrence
  • All the original medical reports supporting the claim have to be submitted along with the Claim form duly filled in as soon as possible, but within 45 days of the notification.

What is the contact number for Amal/Critical Illness insurance claims?

Our contact number is 17119999 (Sun-Thu: 7:30am-3:30pm)

You can call us and request to talk to the Medical and Life Department who will provide you with the necessary assistance and claim's clarifications required. 

 

What are the full terms and conditions of the policy?

For full details of what is covered and the terms and conditions, click on Terms and Conditions.

Shefa’a Medical Insurance

Is there a direct billing service for claims settlement?

In order to make the claims process easy and remove financial strain on you, we have introduced "direct billing services". This means that you would be able to avail of medical services within a network of medical providers by producing your membership card (which will be sent to you after purchasing your policy) and paying the deductible amount only and any coinsurance if applicable. This direct billing would not operate for medical providers outside this network and medical treatment would be on reimbursement basis.

What are the product options available and what is the coverage in respect of each product option?

To view a comparison of the products available, please click on Benefits of the Product.

Which medical providers are included in the network of direct billing providers? 

The following are the designated providers' list:

What if I got treated at a non-designated provider (not mentioned in the providers' list)?

When seeking Outpatient treatments at Non-designated Providers, please adhere to the following:

  • Take a Primary Claim Form with you.
  • Complete the details about yourself, sign and date the form.
  • Submit the Primary Claim Form to the attending doctor.
  • The doctor will complete the medical services section. Ensure the form contains the following information:
    • Details of diagnosis
    • Details of treatment
    • Date of treatment
    • Name & signature of the treating doctor
    • Name and stamp of hospital/clinic

In an Inpatient Treatment or admission for medical or surgical care, you need to obtain our Appointed Third Party Administrator's Pre-authorisation prior to treatment or admission.

There will be a 20% coinsurance for treatments at any of non- designated. Coinsurance is the percentage borne by the Insured member towards the cost of Eligible medical expenses after he has met his applicable Deductible amount.

What if I need an emergency treatment whilst abroad?

Subject to the coverage of emergency treatment abroad benefit in your scheme, if you need an emergency medical treatment whilst abroad on business trip or holiday, our partner AEA - SOS International will facilitate your treatment requirement(s).

Please call the Emergency Telephone Number given on the back of your membership card.

What other facilities am I entitled to receive through SOS International Assistance?

Through an arrangement with SOS International, the leading medical assistance company in the World, you can avail of the following services:

  • Travel advice with respect to necessary and obligatory immunisation
  • Referrals to clinics/hospitals in the area where members travel in the event of an emergency
  • Medical advice over the phone when calling an AEA-SOS alarm centre for assistance in the event of an emergency
  • Urgent message transmission to family members/ company in the event of an emergency situation requiring repatriation
  • Referral to legal advisors and interpreters in the event of an emergency
  • In-hospital Monitoring: AEA-SOS will monitor the member's conditions if they are hospitalised outside of their home country and will keep the company and / or Member's family informed

What if I need treatment outside country of residence other than Emergency?

If your scheme covers you for this benefit, the treatment will be reimbursed as per the coverage/limits mentioned is your scheme.

If you are planning on treatment outside your country of residence, please contact our appointed third party administrators on their 24 hour telephone numbers given on the back of your membership card to obtain the pre-approval and obtain the international medical assistance.

Are there any exclusions to this insurance?

Yes, as in the case of other insurance contracts, this policy has certain exclusions. These are clearly listed in the Terms and Conditions. Examples of conditions excluded in the policy are those arising from:

  • Pre-existing conditions (Any bodily injury or illness or its related condition that is medically existing prior to the enrolment date of the Insured member, whether it is known or not known to him, and necessitates the Insured member to receive care and Treatment)
  • Maintenance treatment of Chronic conditions(An illness that persists or would persist over a long period of time, which is not curable and requires regular Maintenance and treatment), except for necessary investigations until a diagnosis for the condition is confirmed
  • Routine medical examinations or regular check-ups
  • Vaccinations and preventative care
  • Circumcision
  • Cosmetic, plastic, reconstructive or restorative Treatments
  • Expenses for shampoos, soaps, hair stimulants, hair removers, dandruff, moisturizers, creams, lotions or other similar products
  • Alternative treatments including but not limited to ayurvedic (such as herbal medicine), holistic medicine, hypnosis, yoga, acupuncture, homeopathy, chiropractic or podiatric care including foot care in connection with corns, calluses, flat feet, weak arches, weak feet, shoe inserts, and other similar Treatments
  • Any Illness caused by, or resulting from sexually transmitted Illness, and any Treatment or test for acquired immune deficiency syndrome (AIDS) and any AIDS/HIV Related conditions
  • Organ transplantation and its related expenses
  • Prosthesis and medical appliances including but not limited to knee brace, collar brace, lumbar support, heel pads, arch support and hearing aids
  • Obesity, dietetic treatments and weight reducing programmes whether for obesity or any other diagnosis

What is the contact number for Shefa'a medical insurance claims?

The contact numbers of our third party administrator (GlobeMed) are as follows:

Toll Free Number:                           80001881

24/7 Hotline:                                 +973 17 510187  

Email:                                           approvals@globemedbahrain.com

Int'l SOS:                                      +971 4 6018885

GlobeMed will provide you with the necessary assistance and claim's clarifications required. 

What are the full terms and conditions of the policy?

For full details of what is covered and the terms and conditions, click on Terms and Conditions

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