Take a few moments to refresh your memory about your Global Care Plan then relax and look forward to the highest standards of service from Al Koot Insurance. You can rest assured that, whatever the coming year brings, we’ll be there to support you.
As with all insurance policies your Al Koot Global Care Plan is there to cover you for the costs arising from an unforeseen event. For healthcare insurance this means the cost of eligible treatment arising from an unexpected illness or accident.
You must take care of your own health and not only rely on healthcare professionals to do this for you. When something unfortunate does affect your health we will do our best to help you but we must always act within the limits of your policy.
At Al Koot Insurance we are always aware that behind every claim there is a person who needs help and assistance.
By in-patient treatment we mean treatment at a hospital where the member has to stay in a hospital bed for one or more nights.
By daycare treatment we mean treatment at a hospital, daycare unit, or out-patient clinic where the member requires a procedure, eligible for benefit, necessitating admission to a hospital bed but not requiring an overnight stay
Out-patient treatment is treatment given by a medical practitioner at an out-patient clinic, a medical practitioner’s consulting room or in a hospital where the member is not admittefd to a bed.
We do not decide whether the treatment you receive is given on an in-patient, daycare or outpatient basis. This is decided by the attending medical practitioner. We will not usually question this unless, in the opinion of our medical team, it would have been more appropriate for treatment to have been given differently. In the unlikely event of this happening we will ask for an explanation of why the particular method of treatment was chosen. We recognize that there may have been a valid reason for the choice made by the medical practitioner. Our intention in questioning such matters is to be able to fairly and accurately assess any claim.
Please refer to the full terms and conditions held by your HR Department before undergoing any treatment.