الشركة الاهلية للتأمين

The " Your Health is Secured " insurance program provided by Al-Ahlia Insurance Company provides health insurance service to all institutions in the public and private sector and covers treatment services according to the category of coverage required which includes detection and diagnosis expenses, treatment, medicines, etc. at the largest network of accredited medical centers and hospitals in most governorates.

Advantages of the program:

• Insurance cover categories are varied (Silver - Gold - Platinum ).

• One year's insurance is renewed every year based on the wishes of the insured and the approval of the company.

• The treatment shall be within the approved medical network specified according to the requirements of the document as well as outside the network according to the wishes of the affiliate.

• The company provides the insured with an insurance card for use when referring to the medical network.

• Medical approvals section available 24/7.

• The possibility of adding other covers according to customer's request (eyes, teeth, etc.)

• Prices are negotiable according to the number of affiliates to be insured.

Health insurance program – group - Silver Offer

Seq.	Item	Details
1	General Information
1.1	Cover includes all members of the organization according to their name lists and dates of birth "day/month/year" on a disk (CD) and EXCEL	Permanent or temporary employees who are on duty at the beginning of the insurance and who will join work after the start of the insurance and during the period of validity of the policy and from the date of their commencement of the work
1.2	Annual balance per affiliate in Iraqi dinars (All amounts in Iraqi dinars)	7,500,000 hospitalizations 300,000 External examinations 300,000 Doctor Visits 300,000 Medication
1.3	Deductible	0.2
1.4	Geographical scope	Iraq
1.5	Expanded geographical scope - only in the absence of treatment in the original country	Covered in Asian subcontinent United Arab Emirates, Jordan, Kuwait Lebanon, Egypt, Turkey any other country in the Middle East
2	Coverages
2.1	Treatment for emergencies and accidents outside the coverage	Covered in Asian subcontinent countries, United Arab Emirates, Jordan, Kuwait, Lebanon, Egypt, Turkey and any other country in the Middle East
2.2	Hospitalization and day care
2.2.1	Staying in Hospital Single Room Coverage	Full coverage per the policy’s limit
2.2.2	Consultation a specialized doctor	Full coverage per the policy’s limit
2.2.3	Intensive care	Full coverage per the policy’s limit
2.2.4	Radiation, tissue specialists, diagnosis tests and procedures.	Full coverage per the policy’s limit
2.2.5	Day care situations	Full coverage per the policy’s limit
2.2.6	Physical Therapy	Covered with prior approval up to 200,000 IQD
2.3	Hospitalization and treatment at clinics	Covered up to 200,000 IQD
2.3.1	Local emergency (necessary conditions)	50,000 per case
2.3.2	Home nursing prescribed by a doctor	50,000 per case
2.3.3	Rehabilitation of Parents	N/C
2.3.4	physical deformities	N/C
2.3.5	Alternative treatment (such as cupping)	N/C
2.3.6	Vaccination	N/C
2.3.7	Medical equipment	N/C
2.3.8	Transfer of the body to the country of origin	N/C
2.3.9	Medical evacuation and transportation	Covered within the region as indicated in the policy
2.3.10	psychological treatment	N/C
2.3.11	Injuries during work	Covered
2.3.12	Hospital Cash Benefits	N/C
2.4	Treatment at clinics and practices	Full coverage
2.4.1	Consultation a specialized doctor	Covered with 20% participation
2.4.2	Radiation, tissue specialists, diagnosis tests and procedures.	Covered with 20% participation
2.4.3	Laboratory tests and other diagnostic tests	Covered with 20% participation
2.4.4	Medications Prescribed by Doctor	Covered with 20% participation
2.4.5	Simple procedures such as fractures and wounds	Covered with 20% participation
2.4.6	Physiotherapy which includes massage, laser, radio and magnetic radiation, shortwave, microwave, pulling, ozone exercise, thermotherapy, cold and ultrasound	Covered with 20% participation
2.4.7	One day surgery	Covered with 20% participation
2.5	Pregnancy coverage	Covered
2.5.1	Natural birth	Covered up to 750,000 IQD
2.5.2	C-section	Covered up to 750,000 IQD
2.5.3	Legal abortion	Covered up to 500,000 IQD
2.5.4	Pregnancy Complications	Covered up 250,000
2.6	Pre-existing conditions	Full coverage
2.7	chronic conditions	N/C
2.8	Implantation and prostheses	N/C
3	Waiting period after issuance of the policy
3.1	Pregnancy, childbirth and its aftermath	Six months
3.2	Rhinoplasty, tonsils and their aftermath	Nine months
3.3	Arteries, heart operations, hemorrhoids, and their aftermath	Six months
3.4	Dermatology and Joint Operations	Six months
4	Annual instalments in dinars (by age group)
4.1	Less than 18	362,067
4.2	18-34	455,226
4.3	35-44	548,258
4.4	45-55	623,858
4.5	56-66	707,858

Health insurance program – group - Golden offer

Seq.	Item	Details
1	General Information
1.1	Cover includes all members of the organization according to their name lists and dates of birth "day/month/year" on a disk (CD) and EXCEL	Permanent or temporary employees who are on duty at the beginning of the insurance and who will join work after the start of the insurance and during the period of validity of the policy and from the date of their commencement of the work
1.2	Annual balance per affiliate in Iraqi dinars (All amounts in Iraqi dinars)	10,000,000 hospitalizations 500,000 External examinations 500,000 Doctor Visits 500,000 Medication
1.3	Deductible	15%
1.4	Geographical scope	Iraq
1.5	Expanded geographical scope - only in the absence of treatment in the original country	Covered in Asian subcontinent United Arab Emirates, Jordan, Kuwait Lebanon, Egypt, Turkey any other country in the Middle East
2	Coverages
2.1	Treatment for emergencies and accidents outside the coverage	Covered in Asian subcontinent countries, United Arab Emirates, Jordan, Kuwait, Lebanon, Egypt, Turkey and any other country in the Middle East
2.2	Hospitalization and day care
2.2.1	Staying in Hospital Single Room Coverage	Full coverage per the policy’s limit
2.2.2	Consultation a specialized doctor	Full coverage per the policy’s limit
2.2.3	Intensive care	Full coverage per the policy’s limit
2.2.4	Radiation, tissue specialists, diagnosis tests and procedures.	Full coverage per the policy’s limit
2.2.5	Day care situations	Full coverage per the policy’s limit
2.2.6	Physical Therapy	Covered with prior approval up to 250,000 IQD
2.3	Hospitalization and treatment at clinics	Covered up to 200,000 IQD
2.3.1	Local emergency (necessary conditions)	50,000 per case
2.3.2	Home nursing prescribed by a doctor	50,000 per case
2.3.3	Rehabilitation of Parents	N/C
2.3.4	physical deformities	N/C
2.3.5	Alternative treatment (such as cupping)	N/C
2.3.6	Vaccination	N/C
2.3.7	Medical equipment	N/C
2.3.8	Transfer of the body to the country of origin	N/C
2.3.9	Medical evacuation and transportation	Covered within the region as indicated in the policy
2.3.10	psychological treatment	N/C
2.3.11	Injuries during work	Covered
2.3.12	Hospital Cash Benefits	N/C
2.4	Treatment at clinics and practices	Full coverage
2.4.1	Consultation a specialized doctor	Covered with 15% participation
2.4.2	Radiation, tissue specialists, diagnosis tests and procedures.	Covered with 15% participation
2.4.3	Laboratory tests and other diagnostic tests	Covered with 15% participation
2.4.4	Medications Prescribed by Doctor	Covered with 15% participation
2.4.5	Simple procedures such as fractures and wounds	Covered with 15% participation
2.4.6	Physiotherapy which includes massage, laser, radio and magnetic radiation, shortwave, microwave, pulling, ozone exercise, thermotherapy, cold and ultrasound	Covered with 15% participation
2.4.7	One day surgery	Covered with 15% participation
2.5	Pregnancy coverage	Covered
2.5.1	Natural birth	Covered up to 1,000,000 IQD
2.5.2	C-section	Covered up to 1,000,000 IQD
2.5.3	Legal abortion	Covered up to 750,000 IQD
2.5.4	Pregnancy Complications	Covered up 250,000
2.5.5	العناية بالطفل قبل وبعد الولادة	Covered up 250,000
2.6	Pre-existing conditions	Full coverage
2.7	chronic conditions	N/C
2.8	Implantation and prostheses	N/C
3	Waiting period after issuance of the policy
3.1	Pregnancy, childbirth and its aftermath	Six months
3.2	Rhinoplasty, tonsils and their aftermath	Nine months
3.3	Arteries, heart operations, hemorrhoids, and their aftermath	Six months
3.4	Dermatology and Joint Operations	Six months
4	Annual instalments in dinars (by age group)
4.1	Less than 18	402,046
4.2	18-34	496,428
4.3	35-44	612,524
4.4	45-55	709,244
4.5	56-66	778,644

Health insurance program – group - Platinum Offer

Seq.	Item	Details
1	General Information
1.1	Cover includes all members of the organization according to their name lists and dates of birth "day/month/year" on a disk (CD) and EXCEL	Permanent or temporary employees who are on duty at the beginning of the insurance and who will join work after the start of the insurance and during the period of validity of the policy and from the date of their commencement of the work
1.2	Annual balance per affiliate in Iraqi dinars (All amounts in Iraqi dinars)	15,000,000 hospitalizations 600,000 External examinations 600,000 Doctor Visits 600,000 Medication
1.3	Deductible	10%
1.4	Geographical scope	Iraq
1.5	Expanded geographical scope - only in the absence of treatment in the original country	Covered in Asian subcontinent United Arab Emirates, Jordan, Kuwait Lebanon, Egypt, Turkey any other country in the Middle East
2	Coverages
2.1	Treatment for emergencies and accidents outside the coverage	Covered in Asian subcontinent countries, United Arab Emirates, Jordan, Kuwait, Lebanon, Egypt, Turkey and any other country in the Middle East
2.2	Hospitalization and day care
2.2.1	Staying in Hospital Single Room Coverage	Full coverage per the policy’s limit
2.2.2	Consultation a specialized doctor	Full coverage per the policy’s limit
2.2.3	Intensive care	Full coverage per the policy’s limit
2.2.4	Radiation, tissue specialists, diagnosis tests and procedures.	Full coverage per the policy’s limit
2.2.5	Day care situations	Full coverage per the policy’s limit
2.2.6	Physical Therapy	Covered with prior approval up to 300,000 IQD
2.3	Hospitalization and treatment at clinics	مغطاة ولغاية 300,000
2.3.1	Local emergency (necessary conditions)	50,000 per case
2.3.2	Home nursing prescribed by a doctor	50,000 per case
2.3.3	Rehabilitation of Parents	N/C
2.3.4	physical deformities	N/C
2.3.5	Alternative treatment (such as cupping)	N/C
2.3.6	Vaccination	N/C
2.3.7	Medical equipment	N/C
2.3.8	Transfer of the body to the country of origin	N/C
2.3.9	Medical evacuation and transportation	Covered within the region as indicated in the policy
2.3.10	psychological treatment	N/C
2.3.11	Injuries during work	Covered
2.3.12	Hospital Cash Benefits	N/C
2.4	Treatment at clinics and practices	Full coverage
2.4.1	Consultation a specialized doctor	Covered with 10% participation
2.4.2	Radiation, tissue specialists, diagnosis tests and procedures.	Covered with 10% participation
2.4.3	Laboratory tests and other diagnostic tests	Covered with 10% participation
2.4.4	Medications Prescribed by Doctor	Covered with 10% participation
2.4.5	Simple procedures such as fractures and wounds	Covered with 10% participation
2.4.6	Physiotherapy which includes massage, laser, radio and magnetic radiation, shortwave, microwave, pulling, ozone exercise, thermotherapy, cold and ultrasound	Covered with 10% participation
2.4.7	One day surgery	Covered with 10% participation
2.5	Pregnancy coverage	Covered
2.5.1	Natural birth	مغطى لغاية 1,250,000
2.5.2	C-section	Covered up to 1,500,000 IQD
2.5.3	Legal abortion	Covered up to 750,000 IQD
2.5.4	Pregnancy Complications	Covered up 250,000
2.5.5	Pregnancy Complications	Covered up 250,000
2.5.6	New born care	Covered up 250,000
2.6	Pre-existing conditions	Full coverage
2.7	chronic conditions	N/C
2.8	Implantation and prostheses	N/C
3	Waiting period after issuance of the policy
3.1	Pregnancy, childbirth and its aftermath	Six months
3.2	Rhinoplasty, tonsils and their aftermath	Nine months
3.3	Arteries, heart operations, hemorrhoids, and their aftermath	Six months
3.4	Dermatology and Joint Operations	Six months
4	Annual instalments in dinars (by age group)
4.1	Less than 18	402,046
4.2	18-34	496,428
4.3	35-44	732,655
4.4	45-55	789,162
4.5	56-66	866,404

to apply for the fire insurance program (your health is secured – groups) please apply here.

Your Health is Secured Program - Group

Your Health is Secured Program - Group

Health insurance program – group - Silver Offer

Health insurance program – group - Golden offer

Health insurance program – group - Platinum Offer

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