Legislation in the Gulf region is relatively complex, particularly when it comes to healthcare. In some cases, policies with certain cover levels are mandatory and are necessary to obtain a visa.
With Gulf Solutions, we've created a policy that's specifically designed to cover employees living or working in Kuwait, Oman, Qatar and the United Arab Emirates (including Abu Dhabi). We have teamed up with local providers in the Gulf region who can make things as easy as possible for your employees – you'll find full details in our Gulf Solutions brochure (PDF 2.36MB).
There are four levels of cover to choose from: Gulf Solutions 1 could provide all the cover your employees need while they're in the Gulf region. But, at an extra cost, you may want to choose Gulf Solutions 2, Gulf Solutions 3 or Gulf Solutions 4, to provide additional cover.
Gulf Solutions 1, 2, 3 and 4 are all suitable for employees who hold a visa to work or reside in Abu Dhabi. But to comply with local legislation in Abu Dhabi, we also have to provide additional benefits as standard, including maternity cover.
Please note, Gulf Solutions is only available on policies that are bought or renewed on or after 1 February 2014.
Gulf Solutions 1 – your core cover
With an annual benefit limit of US $7.5m, these benefits are offered across all four Gulf Solutions policies.
In & Day-patient Care
We'll provide cover for accommodation, intensive and high dependency care, nursing care and operating theatre costs.
We'll also cover specialists' fees, diagnostic tests, radiology (such as CT, MRI and PET scans), kidney dialysis, internal prostheses and rehabilitation. If you require additional treatment prescribed by a specialist whilst in hospital such as treatment by a physiotherapist or a dietician, we'll also cover this. These are just some of the In & Day-patient benefits offered by Gulf Solutions. Please download the brochure (PDF 2.36MB) for full information.
International Cancer Pledge
We'll cover all the treatment and palliative care recommended by an oncology specialist. We'll also make things as comfortable as possible after treatment with cover for aftercare, including a contribution towards prostheses and wigs. Please note, stem cell treatment will not be covered.
Our core cover includes the key elements of out-patient treatment that your employees would expect from their Gulf Solutions policy, such as consultations with a specialist, diagnostic tests (including MRI and CT scans), minor surgery and out-patient treatment such as physiotherapy. We'll also now cover the costs for up to 10 speech therapy sessions referred by a specialist, following a hospital admission for trauma or stroke. Please refer to the Company Gulf Solutions brochure (PDF 2.36MB) for all the out-patient benefits included within core cover.
Our home nursing benefit levels run for 60 days and complications of pregnancy are covered as standard. However, in some parts of the Gulf, your employees will also need the additional cover provided by our Maternity upgrade option, which provides cover for the more routine costs.
We include many of the benefits employees expect from their local GP, such as for prescription medication and vaccinations and up to 20 consultations with a doctor per person per year.
Optical benefits are included and we'll cover routine sight examinations and contribute towards the cost of glasses and contact lenses. We will also over other GP referred treatments out of this benefit, such as a visit to see a physiotherapist or cover towards hormone replacement therapy (benefit limits apply).
Acute phases of chronic or congenital conditions are covered up to US $75,000 and treatment for HIV and AIDS is covered up to US $15,000.
Evacuation and Emergency Assistance
If treatment isn't available locally, we'll arrange for your employees' evacuation to the nearest facility, even if that's in a different country, providing it is medically safe to do so. All Gulf Solutions policies also automatically benefit from a range of repatriation and compassionate travel benefits as standard, giving more cover in the event of family emergencies.
Gulf Solutions 2 – adds Dental care
When you upgrade to Gulf Solutions 2 your employees will have all the benefits included within Gulf Solutions 1, plus they'll receive up to US $2,250 cover for dental costs up to the specified limits.
We'll pay towards the cost of routine dental check ups and dentistry, such as X-rays and fillings. We'll also pay towards complex dentistry such as porcelain crowns and caps, extractions and dental surgery, as well as orthodontic treatment for children. Usually, we'll settle bills directly with the dentist.
Gulf Solutions 3 – adds Additional Out-patient & Alternative Therapies
Additional Out-patient & Alternative Therapies
By taking out Gulf Solutions 3, your employees receive all the core benefits in Gulf Solutions 1, plus the dental benefits of Gulf Solutions 2, and get additional support as an out-patient such as psychiatric treatment and out-patient rehabilitation.
They can also benefit from a comprehensive range of alternative therapies such as ayurvedic, Chinese medicine, acupuncture, homeopathy, chiropody, podiatry, osteopathy and chiropractic treatment. We'll pay up to US $3,750.
We'll also include up to five speech therapy sessions for children covered by the policy.
Gulf Solutions 4 – adds Wellbeing
On top of the benefits included in Gulf Solutions 1, when you upgrade to Gulf Solutions 4 we'll include all the benefits of Gulf Solutions 2 and 3, and ‘Wellbeing' – a range of benefits to help your employees stay as healthy as possible.
We'll provide cover towards the cost of routine and physical examinations, such as mammograms, prostate screenings, and cover for hearing and dietician tests. And we'll also cover vaccinations for leisure in addition to business travel. In most cases, we'll settle bills directly with the medical facility.
Gulf Solutions gives you the flexibility to add maternity cover to your policy – whichever tier of cover you choose – either to meet local legislative requirements, or as an optional added value benefit in areas where maternity cover isn't a mandatory requirement.
By adding maternity to your Gulf Solutions policy, your employees & their families will have peace of mind that they'll be covered for pregnancy or childbirth, including pre and post-natal care. Our maternity option also provides cover for investigations into infertility. If you select to add maternity cover to your policy your premium will increase.
In Abu Dhabi this will be automatically be included in your employees' core cover to meet local legislation.
What else do you need to know?
Gulf Solutions gives your employees locally compliant medical cover while they're living and working in Kuwait, Oman, Qatar or the United Arab Emirates (including Abu Dhabi). But employees will also have the cover provided under our International Solutions policy, in other parts of the world.
Our Cancer Pledge
We understand how important it is to provide extensive cover and support at every stage of cancer treatment. Our cancer pledge means we'll cover the treatment and palliative care members need as recommended by their specialists. We also want to make things as comfortable as possible following treatment, so we'll provide cover for aftercare, including money towards the cost of prostheses and wigs. Please be aware that stem cell treatment will not be covered.
Most private medical insurance products approve claims for short-term conditions (often referred to as being acute). But with Gulf Solutions, your employees will have cover for the routine maintenance of longer term chronic conditions – up to US $30,000 per year (covered in full for residents of Abu Dhabi).
Please note that all Gulf Solutions policies are underwritten as MHD (Medical History Disregarded), so that pre-existing conditions are covered as long as they meet the terms and conditions of your policy.
What's not covered?
This is a summary of the conditions that aren't covered by Gulf Solutions
- alcoholism, alcohol abuse, drug abuse, solvent abuse and other addictive conditions
- birth control
- cosmetic treatment (except following an accident or surgery for cancer)
- developmental delay of children such as attention deficit hyperactivity disorder (ADHD)
- dialysis as part of long term treatment of a chronic condition
- experimental treatment (limited benefit may be available)
- genetic conditions
- growth hormone therapy
- hair loss and dandruff (but we will pay towards the cost of a wig if one is needed due to hair loss caused by cancer treatment)
- infertility treatment
- multiple consultations within 24 hours
- natural disasters such as earthquakes, flood or tornado
- non-medical services
- nursing home care
- professional sports injuries
- psycho-geriatric conditions
- self-inflicted injury
- sexually transmitted disease (except treatment for HIV/ AIDS)
- sleep disorders and sleep problems
- stem cell transplants
- treatment of warts or verrucas
- treatment received in health hydros
- treatment required as a result of war, terrorism or contamination by radioactivity or chemicals
- treatment required if it is needed after travelling against medical advice
- weight loss surgery
This is a summary of the exclusions on this policy. Full terms & conditions are available on request.