Individual health insurance plans provide coverage for one person, while family health insurance plans cover multiple family members under a single policy.

We only provide fixed individual and family plans without the possibility of customisation.

Citizens and/or Residents of the State of Qatar are ensured that the whole family is covered.

The age limit is up to 60 years for adults at the time of enrollment and up to 25 years for unmarried children.

All family members must be enrolled at the same time. Exceptions are provided for newborns, newly married, and family members who received residency in the State of Qatar after the initial enrollment date. Such additions will be subject to pro-rata benefit limits

You and your dependents are covered for one calendar year from the date of enrolment. Family members who are added mid-term will cease cover when the principal member ceases cover.

Full annual premium payments are required in advance. Payments can be made via an online payment link or by debit/credit card in our office. We do not accept cash, wire transfers, or cheques.

You may cancel your or your dependents’ insurance policy at any time, however, there are no refunds of paid premiums irrespective of any cause.

All applications are subject to medical questionnaire review and individual underwriting. We may deny or restrict the cover based on the underwriting results which will be communicated to you before enrolling.

The average negotiated cost of the treatment within the network applicable to the plan in the State of Qatar.

The table applicable to the plan shows the maximum benefits payable for each member and the area of cover.

A maximum payable amount for a specific benefit per policy year. Benefit limits may be ‘per policy year’, ‘per lifetime’, or ‘per event’ such as per trip, or visit.

Although AlKoot Insurance and Reinsurance covers most illnesses, expenses incurred for the treatments, medical conditions, and procedures included in the General Exclusion list are not covered under the Policy unless confirmed otherwise in the Table of Benefits or by way of a policy endorsement.

A co-insurance is a cost-sharing arrangement under your policy that provides that you will bear a specified percentage of the eligible costs. Co-insurance is specified in your Table of Benefits.

A fixed amount of money is stated in your Table of Benefits which you are required to pay before the insurance company starts paying. Deductible is per person per visit and it is applied before any coinsurance.

If you choose to visit a provider within our network, simply present your AlKoot membership card and the provider will contact us directly for necessary pre-approvals. Once your treatment or service has been approved, you will receive the treatment on a cashless basis and we will settle all eligible bills to the provider directly. You may be required to pay deductibles, co-insurance, and/or uncovered part of the bill.

If you choose to visit an unrecognized provider, you may simply proceed with settling all the bills and submitting the required documents for reimbursement. The claim will be assessed based on your Table of Benefits, policy terms & conditions, general exclusions & limitations. Your choice of a provider outside of our network can result in you contributing towards the cost of the treatment. We, therefore, encourage our members to use the designated provider network to avoid any potential shortfalls in treatment costs.

We understand that in a real emergency, you may not be able to contact us for pre-approval. Please get emergency treatment and contact us as soon as it is safe to do so. You may get

assistance from your dependents, colleagues, or the treating doctor to contact as soon as your condition has been stabilized.

You may find the latest list of worldwide network providers on our website, in your AlKoot Global Care mobile app, and with our 24/7 Customer Care team.

All declared pre-existing and preexisting chronic conditions are generally covered within the applicable limit as stated in the Table of Benefits unless specified otherwise during individual medical underwriting. If you are not sure whether your condition or planned treatment is covered under your plan, please contact our 24/7 Customer Support for guidance.

They are our contracted companies who will assist you outside of Qatar where we do not have direct arrangements with medical providers. If you want to receive treatment outside Qatar within your area of cover, please contact one of our International Partners responsible for that geographical area to receive all the assistance required. Use your AlKoot Global Care app to locate providers worldwide and contact details of responsible Partners.

You should use a hospital in our worldwide network, wherever possible. If you call us, use our mobile application, Member Portal, or check our website you will find the nearest medical facility. In a medical emergency, you should seek treatment immediately and contact us (or ask someone on your behalf) as soon as you can.

AlKoot's medical insurance team will decide based on the medical evidence whether the condition needing treatment is considered an emergency.

Please review your Table of Benefits to check if pre-existing conditions are included in your policy.

Citizens and/or Residents of the State of Qatar.

Salama Plus plan is an individual plan which means all members must be enrolled individually and have their own policy. It is not possible to add family members to one policy. Please review our family plans if you wish to cover your family under your plan.

No, our individual & family plans are fixed without the possibility of customization.

No, pre-existing and chronic conditions are not covered under the Salama Plus plan.

It’s a policy by AlKoot Insurance and Reinsurance for corporates to provide their employees financial stability in case of death or disability.

It covers expenses related to accidental & natural death to temporary and permanent disability.

A maximum payable amount for a specific benefit per policy year. Benefit limits may be ‘per policy year’, ‘per lifetime’, or ‘per event’ such as per trip, or per visit.

Please review your Table of Benefits to understand if pre-existing conditions are covered under your plan.

Small and medium companies registered in the State of Qatar with a minimum of 5 employees and a maximum of 100 members (including families)

All employees and/or their spouses under the age of 60 are accepted without individual underwriting. Members above 60 are required to complete the Medical Declaration Form and undergo individual underwriting based on which premium, terms and conditions might change. Children are accepted up to 25 years of age.

Yes. Health insurance is mandatory for visitors to the State of Qatar.

The visitor will receive a health insurance document from the websites of the listed and registered insurance companies with the Ministry of Public Health, which will be issued electronically. The policy can be printed, kept, and displayed when needed.

The single insurance policy premium for 30 days is 50 Riyals, and the premium for other visas varies according to the duration and type of visa.

The minimum duration of the visitor's insurance policy is 30 days, it is not possible to purchase a policy with less than this duration.

No. A new policy must be purchased as a condition for extending a visa.

Yes. There is an insurance policy for multiple-entry visas and it remains valid from the date of entry until the policy expires.

No. The basic visitor insurance policy in case of a single-entry visa expires upon leaving the State of Qatar through any air, sea, or land ports.

The visitor should purchase the Mandatory health insurance policy from the registered health insurance companies or provide evidence that he/she has valid international health insurance covered in the State of Qatar during the period of stay.

The visitor health insurance policy covers emergency services and accidents

No. The Visitor Health Insurance coverage is limited to the State of Qatar only

Yes. The visitor to the State of Qatar should purchase the health insurance policy.

Health insurance premiums cannot be refunded after the purchase of the policy if the stay duration is less than the period of the visa.

The premium cannot be refunded after visa issuance unless the visa is canceled. In this case, a partial premium will be refunded according to the policy of the insurance company.

Visitor Insurance policy should be renewed upon visa renewal request for both visa types: Pre-Arrival Visa and On-Arrival Visa at the country's entry borders

The Visitor will receive the Health Insurance Policy from the insurance company’s website which is listed and registered in the Ministry of Public Health, and will be issued electronically. The policy can be printed, kept, and shown when needed.

Passport and Insurance Policy Documents.

No, the basic visitor insurance policy coverage begins upon the visitor entering the State of Qatar.

The visitor can obtain healthcare services or services that are not covered by the basic insurance policy after paying the fees specified for these services, whether in the public or private sectors. The visitor can obtain, in advance, additional insurance coverage that is not covered by the basic insurance policy for visitors from the insurance companies.

Yes. The insurer shall provide the beneficiary with the list, data, and details of the registered healthcare network, and the beneficiary shall be entitled to choose the appropriate provider from the list.

Yes. The visitor can change the insurer when applying for visa renewal or upon insurance policy expiry date and choose any registered and listed insurance company on the Ministry of Public Health website.

Healthcare providers are obligated by law to provide emergency services without approaching the beneficiary for settlement, whether the service provider is included or not in the network list.

Insurance companies and healthcare providers are obligated, according to the law, to establish a mechanism for receiving and resolving complaints. The beneficiary or the policyholder can visit the websites of insurance companies or healthcare providers and use any of the tools to file complaints.

The complainant may submit his complaint to the Health Financing and Insurance Department at the Ministry of Public Health through:

Visit our website: https://www.moph.gov.qa

Call the phone number: 16000

Contact via e-mail: ghcc@moph.gov.qa

The complainant can submit a grievance to the Grievance Committee in the Ministry of Public Health, according to the grievance policy and procedures, to appeal the decision of the Health Financing and Insurance Department and take the appropriate decision. For more information on the grievance policy and procedures, kindly click on the link below. Appeals Policy and Procedures (link to document PDF).

There are several networks in Qatar – variations of Prime, Premium, and Elite networks. Kindly refer to your table of benefits to determine the network level you are entitled to. This list is frequently updated and these details can be obtained from the AlKoot website, our 24/7 call centre, Member Login, or our mobile app.

They discuss your medical conditions and financial state to provide you with the best policy for you.

Comprehensive insurance will cover the damage to your vehicle due to road accidents as well as unanticipated losses caused by fire, theft, and a third party if the claim is caused by you or caused by a third party

Yes, you can add additional covers such as Agency repair, off-road cover, storm & flood.

Yes, you can send your Vehicle Registration (both sides) to info_motor@alkoot.com.qa or through WhatsApp (5030 2000) and we will send you the quotation.

AlKoot will provide you with a payment link to pay your premium. Once the payment is completed, your policy will be issued and sent to you via email or WhatsApp.

To purchase motor insurance, you typically need:

• A valid driver's license
• Vehicle registration
• Proof of identity (QID)
• Any previous insurance information (if applicable)

Third-party liability (TPL) insurance covers you if you’ve caused an accident leading to damage to third parties, including injuries and damage to their vehicle and other property.