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Shefa'a Health Insurance

home-insurance family-insurance

We understand that protecting and safe guarding your health is of utmost importance and are pleased to offer you Shefa’a plans as an answer for your health requirements.

Flourishing In Good Health…

Why SHefa'a?

  • 24 hour, 365 days a year, dedicated helpline
  • 24/7 emergency and general medical cover
  • A wide network of hospitals and clinics in Bahrain
  • We pay the service provider directly avoiding the need for you to pay
  • Flexible cover options to suit your needs

There are four product options as follows:

Shefa'a
This basic plan concentrates on providing instant treatment at any of our service providers. You will be covered when you need to receive treatment during a hospital stay or as a daycare patient.
Basic Features:

  • In-patient and Daycare treatments only (no out-patient treatment coverage)
  • Territorial Limit: Bahrain
  • Emergency Treatment while the insured is abroad: Worldwide

Subject to reasonable charges in Bahrain

  • Annual Maximum Limit: BD 10,000
  • Medical and Travel Emergency Assistance outside country of residence
  • Accommodation Type: Shared Room

Shefa'a Plus
This plan covers all benefits of Shefa’a in addition to:

  • Coverage for out-patient treatment as well, subject to a deductible of BD 5/-
    Deductible is the amount payable by the Insured member per each outpatient Consultation, except for a follow-up visit within 10 days for the same Illness and at the same Physician or Consultant.
  •  Accommodation Type: Private Room

Shefa'a Max
This plan covers all benefits of Shefa’a Plus in addition to:

  • Territorial Limit: Worldwide, excluding Europe, USA & Canada
  • Annual Maximum Limit: BD 35,000
  • Emergency Treatment while the insured is abroad: Worldwide
    Subject to full refund of the incurred cost within the territorial limit and reasonable charges in Bahrain for Europe, USA & Canada
  • Treatment Outside Country of Residence other than Emergency: Within the territorial limits - Subject to reasonable charges in Bahrain and coinsurance
  • Maternity Coverage
    • The limits per person per year are:
      • Cesarean: BD 1,000
      • Normal Delivery: BD 750
      • Miscarriage/legal abortion: BD 400
        Limited to one delivery/abortion per year.
  •  
    • Subject to 280 days moratorium period from the commencement of the policy, during which no maternity claims will be covered 
    • There is a 20% coinsurance borne by insured for maternity coverage, after the BD 5/- out-patient deductible 

Shefa’a Gold
This plan covers all benefits of Shefa’a Max in addition to:

  • Territorial Limit: Worldwide, excluding USA & Canada (Europe is covered)
  • Annual Maximum Limit: BD 50,000
  • Emergency Treatment while the insured is abroad: Worldwide
    Subject to full refund of the incurred cost within the territorial limit and reasonable charges in Bahrain for USA & Canada
  • Treatment Outside Country of Residence other than Emergency: Full refund within the territorial limits, subject to coinsurance
  • Higher maternity limit
    • Cesarean: BD 1,250
    • Normal Delivery: BD 1,000
    • Miscarriage/legal abortion: BD 500 
  • Dental Coverage for BD 200/-
    • Covers consultations, extractions, amalgam fillings, composite fillings, glass ionomer, root canal treatment & gum treatment
    • Dental Cleaning is covered for one session per member per year for a maximum of BD 35/-
    • There is a 20% coinsurance borne by insured for dental coverage, after the BD 5/- out-patient deductible 
  • Optical Coverage for BD 100/-
    • Covers vision tests for errors of refraction & one prescribed lense/s
    • There is a 20% coinsurance borne by insured for optical coverage, after the BD 5/- out-patient deductible
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