The purpose of your cover
Wednesday, 18 March 2009 10:27
This handbook has been designed to set out the features and benefits of the Al Koot Global Care Plan from Al Koot. On the next few pages, you will find details of your cover including definitions relevant to your plan. If there is anything you do not understand please do not hesitate to call your personal advisory team on the number shown on your membership card. 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.
Last Updated ( Wednesday, 01 April 2009 08:30 )
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What we pay for
Wednesday, 18 March 2009 10:31
This policy insures the members against the cost of necessary treatment carried out by a medical practitioner. However, we will pay only: a) For charges actually incurred for items listed in your benefits table subject to the limits shown there. Note: if you incur costs in excess of the limits you will have to pay the difference; b) For treatment of a medical condition which is commonly known to respond quickly to treatment. When the medical condition has been stabilized we reserve the right to determine that it has become chronic or recurrent in nature and apply benefits accordingly;
What we do not pay for
Wednesday, 18 March 2009 10:38
1 We do not pay for the following: (the letters next to each limitation are related to your company’s Agreement with us). (d) Any surgical procedure which is not listed in the schedule of procedures, unless we have agreed, in writing, beforehand; (e) Any treatment which only offers tfemporary relief of symptoms rather than dealing with the underlying medical condition;
Last Updated ( Wednesday, 01 April 2009 08:31 )
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Joining and leaving the scheme
Wednesday, 18 March 2009 10:52
Please refer to Al Koot Insurance for details of how to change your policy.
4.1 Only those people described in the company agreement can be members of this plan.
4.2 Special terms may apply when you stop working for the company or if the company decides to end the cover.
4.3 If your cover under a company agreement comes to an end you can apply to transfer to another plan.
4.4 Members of this policy who leave the company's group medical scheme may apply to Al Koot Insurance for an individual policy. In all such cases the member will be required to complete a new application form and make a full medical history declaration in respect of each and every person to be insured.
Last Updated ( Wednesday, 01 April 2009 08:31 )
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Claims Procedure
Wednesday, 18 March 2009 10:58
The following notes deal with some specific aspects and commonly asked questions relating to your cover. They are not exhaustive and you should contact us for advice on any aspect of your policy that you do not understand.
How you obtain the benefits your plan provides In any event, if you are receiving treatment in any part of our global network, you must always identify yourself as a member to ensure that your treatment enjoys the advantages of our negotiated rates. Failure to do this may expose you to additional costs which you will have to bear.
Last Updated ( Sunday, 05 April 2009 08:07 )
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Useful Information
Wednesday, 18 March 2009 11:23
1. Introduction Whether you live in Qatar or are travelling abroad, you can be sure that, should anything happen to you or your family by way of an illness or injury, you have access to the best possible medical care. While abroad, you might find that:
> The standards of healthcare that we take for granted aren’t always available elsewhere.
> Local hospitals may be unable to undertake the treatment you need or
> To arrange transportation to the nearest available healthcare\facility in an emergency.
> Some countries do not have state healthcare facilities and even if they do, as a visitor, it is quite likely that you’ll be entitled to nothing more than basic care Did you know?
> Al Koot has more than 100,000 customers
> Al Koot has more than 80% satisfied customers
> Al Koot/AXA has a high standard of cover and excellent support
to its members
> Al Koot/AXA provides personal care and attention
> Al Koot/AXA is able to offer plans authorized by all GCC health regulators
Last Updated ( Thursday, 28 June 2012 06:53 )
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FAQs
Wednesday, 18 March 2009 11:23
What happens if I am outside Qatar and I need ?
You should use a hospital in our globfal network where possible and if you telephone us or check our web site you will find the nearest medical facility. In an emergency you should have your treatment immediately and contact us (or have someone contact us on your behalf) as soon as you can. Emergency treatment is covered up to the reasonable and customary costs in the area in which it is received. Non-emergency treatment will be reimbursed at 120% of the cost of the treatment as if it had been received in your network in Qatar.
Who decides what is an ‘emergency’?
Initially the AXA medical team in the Gulf will make the decision.
Last Updated ( Thursday, 28 June 2012 05:26 )
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Customer Care 