

Bupa Arabia is a publicly traded medical
insurance company with a SAR400 million
paid up capital. We are a leading specialised
insurer focused solely on healthcare. Bupa
Arabia is part of the global healthcare
organisation Bupa.
We have more than 10 years of local
knowledge, and the Bupa Group has over 60
years of medical expertise making Bupa your
first choice in medical insurance.






Bupa offers quality medical cover for companies operating in all parts of the
Kingdom – from small companies to large institutions, as well as families. All Bupa
schemes satisfy the requirements of health insurance regulations.
Expertise in health care
We are the first specialised insurer in Saudi Arabia exclusively focused on
healthcare. Our significant experience has taught us the importance of the
following:
• Providing pro-active scheme management for clients
• Offering on-demand service and scheme performance reports to clients
• Providing an interactive feedback process for members
• Operating on tightly measured benchmarks for service speed and efficiency
We offer medical insurance cover for all:
• Bupa Corporate
• Bupa Business
• Bupa Family
Our health care schemes are designed for your peace of mind. We can customise
our programs to suit your healthcare and budgetary requirements. Our healthcare
cover comes with the trademark Bupa service - world class service our customers
are used to.
Contact us to set up an appointment, or have one of our healthcare professionals
contact you to discuss the requirements in starting your own scheme
Our vision
Taking care of the lives in our hands
Our mission
To be a world leader in healthcare and to increase our
business profitability by providing the highest quality
solutions for our customers needs.
 Our values
. Respectful
. Ethical
. Dedicated
. Accountable
. Caring
. Enabling




In 1997, the Bupa Group set up a partnership with the
Nazer Group to form Bupa Middle East. The new joint
venture started its Saudi operations with its focus on
providing a world class service and to becoming a market
leader. Under insurance regulation, Bupa transformed its
business from being a joint venture to a publicly listed
company offering cooperative health insurance. Bupa Arabia
recently floated 40% of its shares to the public, in the most
successful IPO for an insurance company in KSA ever, being
oversubscribed by over 900%.
 This success is consistent with Bupa’s great reputation as
a provider of quality healthcare and world-class services.
This reputation is further enhanced by the various awards
and recognition Bupa Arabia has received.






Bupa offers comprehensive regulation
compliant medical insurance cover for all businesses
operating in Saudi Arabia. We offer 2 healthcare
solutions depending on the number of your employees.
Bupa Corporate
Bupa Corporate cover is medical insurance
cover for companies with 75 or more people to
insure. Bupa Corporate is compliant with the
requirements of health insurance regulation.
Bupa Business
Bupa Business is designed to cater for the needs
of small and medium sized enterprises (SME),
start ups and businesses with less than 75 people
to insure.
For Your Family

Bupa Family
Bupa Family is health insurance cover offering
comprehensive medical protection for you and
your family while inside or outside of Saudi
Arabia. Its range of standard benefits and options
makes it your best protection against unforeseen
medical needs.
 Bupa Family has four (4) scheme levels - Gold,
Silver, Bronze and Blue.You can choose one of
these schemes to suit your needs and budget. All
members of your family should be on one scheme
together.







24/7 help lines
You can reach Bupa anytime day or night wherever you are through our 24/7 help
lines. Are you experiencing any delay in service? Do you have questions about your
scheme? No worries. All you have to do is call our toll free helpline 800 244 0307.
This toll free number is also accessible from your mobile number.
Online services
You can reach us faster and at your convenience through the internet. As a member,
you can transact with us online by simply logging onto www.bupa.com.sa and you can
benefit from the following online services:
• View and review your scheme
• Benefits, including those of your eligible dependents
• Get a list of your up-to-date network of hospitals and clinics
• Track and follow up reimbursement claims
• Track view and review your pre-authorization requests
• Print membership certificates in case of lost membership card
• Send queries to our customer service
You need to register first to avail of this benefit. Register by logging into our website,
click the member services button and follow the simple instructions. Call our
helplines if you need assistance during registration. All transactions through our
website are secured and will remain confidential.






Bupa SMS
This service provides you with information to keep you updated on your
service requests. All you need to do is register your own mobile number
with us by sending an SMS message containing your membership number to
0550222700. With Bupa SMS, receive status updates on you preauthorization requests, reimbursement claims and membership updates.
Once we receive any of your service requests, we will send you an instant
message acknowledging receipt of your request. We will also send you
another SMS message once we finished processing your request.
Medical emergencies
Life-threatening emergencies in the Kingdom are covered up to the overall
annual limits. Outside the Kingdom, medical emergencies are covered up to
the limits of the emergency cover.
Emergency evacuation
In the event of a life threatening accident or sudden illness outside of the
Kingdom where required treatment is not available. our SOS Assistance
program will cover your transportation to the nearest appropriate medical
facility where you can receive necessary emergency attention.
In the event of a family member’s death overseas, Bupa will pay for the
transportation of the mortal remains to their home country.
Benefits
Level of cover
Maximum benefit limit per member per policy
period
In-patient/day-case coverage
and medical Medical treatment – Surgical
procedures, doctors and nursing fees,
emergency, ICU and theatre charges,
medication
Accommodation
Companion charges(up to 12
yrs old)
Deductible
Out-patient coverage
Medical treatment – Consultation, prescribed
medication, chemotherapy, radiography,
pathology, laboratory exams and other
diagnostic procedures
Extent of Cover
Gold
Silver
Bronze
Blue
Variable limt from
250,000
Variable limt from
250,000
Variable limt
from 250,000
Covered
Covered
Covered
Covered
Variable(single room up
to standard suite)
Variable(single room
up to standard suite)
Variable(single room
up to standard suite)
Variable(single
room up to
standard suite)
Covered
Covered
Covered
Covered
Nil
Nil
Nil
Nil
covered
covered
covered
Covered with variable
limit from 10,000
Up to 10,000
per policy
Variable limt from
250,000
covered
Out-patient Deductible(per visit)
20% up to SR100
Network of Providers
Maternity – Normal delivery & antenatal care
and miscarriage
Variable(NWR-NW7)
Covered with variable
limit from 10,000
Covered with variable
limit from 10,000
Benefits
Extent of Cover
Level of cover
Gold
Silver
Bronze
Blue
Circumcision for newborn body and ear
piercing for newborn girls (if maternity is
covered)
Covered
Covered
Covered
Covered
Maternity complications (if maternity is
covered)
Covered up to the maximum benefits limit
Treatment of premature babies(if
maternity is covered)
Covered
Neonatal cover(if maternity is covered)
Covered from day1
Dental Consultation, simple and surgical
extractions, pulpotomy, RCT, X-ray, filling,
gum diseases and medication
Covered with
variable limit from
2,000
Covered with
variable limit from
2,000
Covered with
variable limit from
2,000
Covered up
to 2,000 per
policy period
Optical Consultation (sight test), basic
correction lenses including frames
Covered with
variable limit from
250
Covered with
variable limit from
250
Covered with
variable limit from
250
Covered up
to 250 per
policy period
Pre-existing conditions & chronic disease
Covered
Physiotherapy
Covered
Life threatening congenital condition
Covered
Benefits
Extent of Cover
Level of cover
Gold
Silver
Bronze
Blue
Hearing aids
Covered with
variable limit
from 1,500
Covered with
variable limit
from 1,500
Covered with
variable limit
from 1,500
Covered up
to 1,500
per policy
period
Vaccination & inoculations as per
the Ministry of health (MOH)
schedule
Covered (MOH list) up to 6 year of age
Emergency treatment outside of
network in KSA
Covered%100 of the actual cost up to the annual maximum limit
Repatriation of mortal remains
Covered up to 10,000
Local road ambulance for
emergency cases only
Covered
Emergency treatment outside of
KSA
Available as optional benefit
Elective(non-emergency) treatment
out of network in and out of KSA
Available as optional benefit
Emergency evacuations while
outside of KSA though
International SOS
Available as optional benefit
Conditions not covered
(Exclusions)














A.This scheme shall not cover claims arising from:
Intentional self-inflicted injuries.
Sickness resulting from the abuse of some medicine, stimulants or tranquilizers, or
from the use of alcohol, drugs or surgery substances.
Cosmetic treatment or surgery unless necessitated by a bodily injury not excluded in
this section.
General check ups, inoculations, drugs or preventive measures that are not required for
a medical treatment covered under this policy(excluding preventive procedures as
defined by the Ministry of health such as vaccinations, mother care and childcare).
Pregnancy and delivery of a female employee or wife of an employee whose contractual
status is unmarried or single.
Treatment received by a member free of charge.
Rest cures, general health cures and treatment in social healthcare institutions.
Any disease or injury resulting directly from the member’s profession.
Medically recognized venereal or sexually transmitted disease.
Costs of treatment following diagnosis of HIV or any disease related to HIV including
AIDS and its derivatives , alternatives and other forms.
All costs relating to tooth implants, artificial teeth, fixed or mobile bridges or
orthodontic treatment unless resulting form violent external means.
Vision and hearing tests and visual or hearing aids unless required by a licensed doctor.
Transportation expenses other than by a licensed local ambulance or an ambulance of
the Saudi Crescent Society.
Loss of hair, baldness or artificial hair.








Psychological treatment, mental or nervous disorders unless of an acute
nature.
Allergy testing of any nature unless relating to medicine, diagnostics or
treatment.
Drugs, procedures , equipments or hormone treatment for the purpose of
regulating reproductions, contraception, fertility, infertility, impotence,
secondary sterility, in-vitro fertilization or any other method of artificial
fertilization.
Any congenital defect or deformity existing prior to the policy inception data
unless it is life threatening.
Any costs or additional expenses incurred by the member’s companion during
a hospital stay except hospital room and board charges for one companion, like
a mother accompanying her baby aged p to twelve years or whenever
medically necessary as judged by the treating physician.
Treatment of acne (adolescence pimples) or any treatment relating to obesity
or overweight.
Organ or bone marrow transplant or implant of artificial organs to replace any
organ of the body.
Any charges for the supply or fitting of artificial body parts or related
consultations unless implanted into the body as an integral part of a surgical
procedure. Similarly, following are not covered: artificial aids such as
wheelchairs, lumbar supports, artificial boots, wigs or toupees, similar devices.
Exceptions are the following and only for the given condition: neck braces for
cervical disc ;knee, ankle and elbow supports for dislocations.
B.This scheme shall not cover any medical benefits and
repatriation of the body to the home country where
the claim is directly resulting from:
1.
2.
3.
4.
5.
War, invasion, act of foreign enemy, hostilities(whether war is
declared or not), civil war.
Lonising radiations, pollution from radioactive activity of any
nuclear fuel or waste resulting from the combustion of a nuclear
fuel.
The radioactive, contaminating explosive or other dangerous
properties of any nuclear plant or any of its nuclear
components.
The member’s service or participation in armed forces or police
activities.
Riots, strikes, terrorism or similar incidents.