Bupa Munsha'at, Choose the best options that fit your business
All New

We understand that each business requires various health insurance options and simple solutions to cover all it’s needs.
To understand SME owners and their needs better, we conducted more than 1000 interviews with decision makers like you from different enterprises that helped us to design a health insurance that suits SME needs. Presenting the all new health insurance that comes with wide variety of choices to choose the most convenient for your business

The All new Bupa Munsha’at Health Insurance comes with 3 different programs:

  • Health insurance at a competitive price that fits your budget
  • Health insurance with wide variety of network options that suits your needs
  • Health insurance with exceptional benefits to fit your expectations
Less than
10 employees? Buy
Essential 1.0
Annual Maximum Membership Coverage
SAR 500,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Shared Room
Paid in full
Approved hospitals and clinics network
NWM
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
20% up to:
MPN: SAR 75
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 15,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males) and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 2,000
Optical
SAR 400
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s
body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening
emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation
with International SOS Assistance when the
illness occurs outside the KSA only
Not covered
Emergency life threating treatment –out KSA
Not covered
Elective (non-emergency) treatment out of network – OUT KSA
Not covered
Home Visit
Not covered
Essential 2.0
Essential 2.1
Annual Maximum Membership Coverage
SAR 500,000
SAR 500,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Shared Room
Paid in full
Approved hospitals and clinics network
NWS
NWS
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to:
Hospitals: SR 300 - Polyclinics & MPN: SR 75
%20 up to:
Hospitals: SR 100 - Polyclinics & MPN: SR 75
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 15,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 2,000
Optical
SAR 400
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Not covered
Emergency life threating treatment –out KSA
Not covered
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Not covered
Home Visit
Not covered
Essential 3.0
Essential 3.1
Annual Maximum Membership Coverage
SAR 500,000
SAR 500,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Shared Room
Paid in full
Approved hospitals and clinics network
NWR
NWR
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to:
Hospitals: SR 300 - Polyclinics & MPN: SR 75
%20 up to:
Hospitals: SR 100 - Polyclinics & MPN: SR 75
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 15,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 2,000
Optical
SAR 400
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Not covered
Emergency life threating treatment –out KSA
Not covered
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Not covered
Home Visit
Not covered
Classic 1.0
Classic 1.1
Annual Maximum Membership Coverage
SAR 500,000
SAR 500,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Shared Room
Paid in full
Approved hospitals and clinics network
NW1
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to:
Hospitals: SR 300 - Polyclinics & MPN: SR 75
%20 up to:
Hospitals: SR 100 - Polyclinics & MPN: SR 75
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 15,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 2,000
Optical
SAR 400
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Not covered
Emergency life threating treatment –out KSA
The actual cost of covered medical services is limited to the amounts mentioned below.
Any cost exceeding this amount will be covered at reasonable and customary rates for the same
level of coverage in the approved network within Saudi Arabia (SR 50,000)
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Covered as per accepted prices and approved for the same level of coverage in the network approved within
the Kingdom of Saudi Arabia through the principle of Reimbursements only for the cases covered in this
policy, based on the conditions of Reimbursements and the prior approval of Buba Arabia
Home Visit
Not covered
Classic 2.0
Classic 2.1
Annual Maximum Membership Coverage
SAR 500,000
SAR 500,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Shared Room
Paid in full
Approved hospitals and clinics network
NW2
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to:
Hospitals: SR 300 - Polyclinics & MPN: SR 75
%20 up to:
Hospitals: SR 100 - Polyclinics & MPN: SR 75
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 15,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 2,000
Optical
SAR 400
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Not covered
Emergency life threating treatment –out KSA
The actual cost of covered medical services is limited to the amounts mentioned below.
Any cost exceeding this amount will be covered at reasonable and customary rates for the same
level of coverage in the approved network within Saudi Arabia (SR 50,000)
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Covered as per accepted prices and approved for the same level of coverage in the network approved within
the Kingdom of Saudi Arabia through the principle of Reimbursements only for the cases covered in this
policy, based on the conditions of Reimbursements and the prior approval of Buba Arabia
Home Visit
Not covered
Classic 3.0
Classic 3.1
Annual Maximum Membership Coverage
SAR 500,000
SAR 500,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Single Room
Paid in full
Approved hospitals and clinics network
NW3
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to:
Hospitals: SR 300 - Polyclinics & MPN: SR 75
%20 up to:
Hospitals: SR 100 - Polyclinics & MPN: SR 75
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 15,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 2,000
Optical
SAR 600
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Covered up to the overall annual maximum limit.
Emergency life threating treatment –out KSA
The actual cost of covered medical services is limited to the amounts mentioned below.
Any cost exceeding this amount will be covered at reasonable and customary rates for the same
level of coverage in the approved network within Saudi Arabia (SR 50,000)
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Covered as per accepted prices and approved for the same level of coverage in the network approved within
the Kingdom of Saudi Arabia through the principle of Reimbursements only for the cases covered in this
policy, based on the conditions of Reimbursements and the prior approval of Buba Arabia
Home Visit
Not covered
Classic 4.0
Classic 4.1
Annual Maximum Membership Coverage
SAR 500,000
SAR 500,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Single Room
Paid in full
Approved hospitals and clinics network
NW4
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to:
Hospitals: SR 300 - Polyclinics & MPN: SR 75
%20 up to:
Hospitals: SR 100 - Polyclinics & MPN: SR 75
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 15,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 2,000
Optical
SAR 600
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Covered up to the overall annual maximum limit.
Emergency life threating treatment –out KSA
The actual cost of covered medical services is limited to the amounts mentioned below.
Any cost exceeding this amount will be covered at reasonable and customary rates for the same
level of coverage in the approved network within Saudi Arabia (SR 50,000)
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Covered as per accepted prices and approved for the same level of coverage in the network approved within
the Kingdom of Saudi Arabia through the principle of Reimbursements only for the cases covered in this
policy, based on the conditions of Reimbursements and the prior approval of Buba Arabia
Home Visit
Not covered
Premium 1.0
Premium 1.1
Annual Maximum Membership Coverage
SAR 500,000
SAR 500,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Single Room
Paid in full
Standard Suite
Maximum SAR 1,500 per night
Approved hospitals and clinics network
NW5
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to:
Hospitals: SR 300 - Polyclinics & MPN: SR 75
%20 up to:
Hospitals: SR 100 - Polyclinics & MPN: SR 75
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 15,000
SAR 20,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 2,000
SAR 3,000
Optical
SAR 600
SAR 800
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Covered up to the overall annual maximum limit.
Emergency life threating treatment –out KSA
The actual cost of covered medical services is limited to the amounts mentioned below.
Any cost exceeding this amount will be covered at reasonable and customary rates for the same
level of coverage in the approved network within Saudi Arabia SAR 50,000
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Covered as per accepted prices and approved for the same level of coverage in the network approved within
the Kingdom of Saudi Arabia through the principle of Reimbursements only for the cases covered in this
policy, based on the conditions of Reimbursements and the prior approval of Buba Arabia
Home Visit
Not covered
Premium 2.0
Premium 2.1
Premium 2.2
Annual Maximum Membership Coverage
SAR 600,000
SAR 600,000
SAR 600,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Single Room
Paid in full
Standard Suite
Maximum SAR 1,500 per night
Standard Suite
Maximum SAR 1,500 per night
Approved hospitals and clinics network
NW6
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to: Hospitals: SR 300
Polyclinics & MPN: SR 75
%20 up to: Hospitals: SR 100
Polyclinics & MPN: SR 75
Nil Co-pay
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 20,000
SAR 25,000
SAR 25,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 3,000
SAR 4,000
SAR 4,000
Optical
SAR 800
SAR 1,000
SAR 1,000
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Covered up to the overall annual maximum limit.
Emergency life threating treatment –out KSA
The actual cost of covered medical services is limited to the amounts mentioned below.
Any cost exceeding this amount will be covered at reasonable and customary rates for the same
level of coverage in the approved network within Saudi Arabia SAR 50,000
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Covered as per accepted prices and approved for the same level of coverage in the network approved within
the Kingdom of Saudi Arabia through the principle of Reimbursements only for the cases covered in this
policy, based on the conditions of Reimbursements and the prior approval of Buba Arabia
Home Visit
Not covered
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Shared Room
Paid in full
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Shared Room
Paid in full
Premium 3.0
Premium 3.1
Premium 3.2
Annual Maximum Membership Coverage
SAR 750,000
SAR 750,000
SAR 750,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Single Room
Paid in full
Standard Suite
Maximum SAR 1,500 per night
Standard Suite
Maximum SAR 1,500 per night
Approved hospitals and clinics network
NW7
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to: Hospitals: SR 300
Polyclinics & MPN: SR 75
%20 up to: Hospitals: SR 100
Polyclinics & MPN: SR 75
Nil Co-pay
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 20,000
SAR 25,000
SAR 30,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 3,000
SAR 4,000
SAR 5,000
Optical
SAR 800
SAR 1,000
SAR 2,000
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
max SAR 15,000
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Covered up to the overall annual maximum limit.
Emergency life threating treatment –out KSA
The actual cost of covered medical services is limited to the amounts mentioned below.
Any cost exceeding this amount will be covered at reasonable and customary rates for the same
level of coverage in the approved network within Saudi Arabia SAR 75,000
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Covered as per accepted prices and approved for the same level of coverage in the network approved within
the Kingdom of Saudi Arabia through the principle of Reimbursements only for the cases covered in this
policy, based on the conditions of Reimbursements and the prior approval of Buba Arabia
Home Visit
Covered as per reasonable and customary cost of treatment in the approved network of the insured subject to
approval obtained before treatment from Bupa Arabia.
Premium 4.0
Premium 4.1
Premium 4.2
Annual Maximum Membership Coverage
SAR 1,000,000
SAR 1,000,000
SAR 1,000,000
Members over the age of 64 years, maximum annual treatment limit
SAR 500,000 for all levels
Hospitalization costs and same-day cases.
Covered
Level of accommodation within the network
Single Room
Paid in full
Standard Suite
Maximum SAR 1,500 per night
Standard Suite
Maximum SAR 1,500 per night
Approved hospitals and clinics network
NW+7
Companion charges when medically necessary.
Covered
Co-pay (contribution to payment)
- In the case of hospitalization only
NIL
- Out-patient department costs.
%20 up to: Hospitals: SR 300
Polyclinics & MPN: SR 75
%20 up to: Hospitals: SR 100
Polyclinics & MPN: SR 75
Nil Co-pay
Out-patient department costs.
Covered
Pregnancy and childbirth limit
- (Natural childbirth, prenatal and postnatal care).
SAR 20,000
SAR 25,000
SAR 30,000
- Pregnancy and childbirth-related complications
Covered up to the overall annual maximum limit.
- Premature children’s treatment.
Covered up to the overall annual maximum limit.
- Neonatal cover new born babies
Covered up to the annual maximum limit.
- Vaccination for children
Mandatory vaccination shall be covered according to the
Ministry of Health’s schedule and up to the age of six years.
Costs of circumcision (males)
and ear piercing (females) for newborns
Covered up to a maximum of SAR 500 for male circumcision
and up to SAR 300 for female ear piercing.
Costs relating to the national program for early testing of newborn children to prevent disability
Covered up to SAR 100,000 during the policy term.
Dentistry coverage:
SAR 3,000
SAR 4,000
SAR 5,000
Optical
SAR 800
SAR 1,000
SAR 2,000
Pre-existing conditions & chronic diseases
Covered up to the maximum annual benefit limit
Hearing aid costs
Covered up to SAR 6,000 for total claims for both ears over the policy term
Physiotherapy when medically necessary.
Covered up to the overall annual maximum limit.
Birth defects
Covered up to the overall annual maximum limit.
Dialysis
Covered up to a maximum of SAR 100,000 during the policy term.
Acute and non-acute psychiatric
Covered up to SAR 15,000 for acute psychiatric that includes
SR 5,000 for non-acute cases for (4)
Rehabilitation (physiotherapy)
Covered up to the overall annual maximum limit.
Disability costs
Covered up to a maximum of SAR 100,000 during the policy term.
Obesity treatment
Covered up to SAR 20,000 per insurance cover period
Cost of acquired heart valve
diseases management
Covered up to a maximum of SAR 150,000 during the policy term
Alzheimer’s treatment
Covered up to a maximum of SAR 15,000 during the policy term
Autism treatment
Covered up to SAR 50,000 per insurance cover period according
to the announced regulations
Cost of donor part collection
Covered up to a maximum of SAR 50,000 during the policy term
Transportation of the deceased beneficiary’s body from the Kingdom to his country of origin
Covered up to a maximum of SAR 10,000 during the policy term
max SAR 15,000
Consulting an in-network doctor
Covered
Local ambulance
Covered by ambulances of approved service providers in cases
of medical emergencies
Out-of-network treatment for life-threatening emergency conditions inside the Kingdom:
Fully covered from the maximum annual benefit limit.

Additional Table of benefits

Emergency medical evacuation in cooperation with International SOS Assistance when the
illness occurs outside the KSA only
Covered up to the overall annual maximum limit.
Emergency life threating treatment –out KSA
The actual cost of covered medical services is limited to the amounts mentioned below.
Any cost exceeding this amount will be covered at reasonable and customary rates for the same
level of coverage in the approved network within Saudi Arabia SAR 100,000
Elective (non-emergency) treatment out of – OUT KSA network – OUT KSA
Covered as per accepted prices and approved for the same level of coverage in the network approved within
the Kingdom of Saudi Arabia through the principle of Reimbursements only for the cases covered in this
policy, based on the conditions of Reimbursements and the prior approval of Buba Arabia
Home Visit
Covered as per reasonable and customary cost of treatment in the approved network of the insured subject to
approval obtained before treatment from Bupa Arabia.

Find out now which scheme suites your budget

When we designed Bupa Munsha'at we made sure to cover all the needs of enterprises suited to their budget. Discover for yourself.