FAY is private and comprehensive medical insurance that helps you meet all your healthcare needs for yourself and your family. With FAY you’ll receive coverage for your dental care needs, maternity costs and more! With limits starting from KD 5,000 to KD 1,000,000 based on your choice. FAY provides you with a large-scale network program which is certified and unique and allows you to choose the covered amounts up to (10% or 20%) for the Outpatient services. Gulf Insurance Group provides you with full 24/7 technical support.

BENEFITS

NOTES

FAY

FAY-PLUS

FAY-DUAL

FAY-REGIONAL

Territorial Cover Countries where medical treatment is covered Kuwait Only Kuwait Only Kuwait & (Lebanon or Jordan or India) Kuwait, GCC, MENA, SEA and Turkey
Medical Network Medical Providers where the medical cards can be used FAY Plus Network FAY Plus Network Dual Network Regional Network
Age Eligibility From day 1 till 65 Years
Pre-existing Conditions Any symptoms whether known or not that started before receiving the application Not Covered Not Covered Not Covered Not Covered
Chronic Medications 12 months waiting period from joining date
Co-Payments Options Applicable on each service Nil or 10% or 20% No Co-Pay No Co-Pay No Co-Pay
Accommodation Type Private Standard Room
Hospital Services Surgery, Anesthesia, Drugs, Lab, Radiology, etc..
Hospital Cash Benefit Per night for In-Patient covered treatments at a Government Hospital
(Provided that no invoices or costs are submitted for payment)
KD 50 per night
(A maximum of 30 nights per year)
KD 50 per night
(A maximum of 30 nights per year)
KD 50 per night
(A maximum of 30 nights per year)
KD 50 per night
(A maximum of 30 nights per year)
Parent Accommodation With Child 16 years or under
Co-Payments Options Applicable on each service 10% or 20% 10% or 20% 10% or 20% No Co-Pay
Visit Limitation Number of visits per person per year 16 Visits Per year 16 Visits Per year 16 Visits Per year inside Kuwait
Unlimited outside Kuwait *
Unlimited
Physician Consultation Deductible per visit KD 5 per visit KD 5 per visit KD 5 per visit inside Kuwait
No Deductible outside Kuwait*
No Deductible
Diagnostic Tests, Medicines & Physiotherapy Co-Pay applicable on each service 10% or 20% 10% or 20% 10% or 20% No Co-Pay
Waiting Period 12 months from eligibility date for (all admission procedures including delivery)
Out Patient visits coverage for maternity If member is pregnant after start date of insurance
Physician Consultation Deductible per visit KD 5 per visit KD 5 per visit KD 5 per visit
No Deductible outside Kuwait*
No Deductible
Diagnostic Tests & Medicines Co-Pay applicable on each service 10% or 20% 10% or 20% 10% or 20% No Co-pay
New Born Baby Coverage Covered up to Maternity limit
Waiting Period 3 months from joining date Not Covered
Covered services Consultations, X-ray, Extractions, Amalgam/Composite, Glass lonomer filling, Root canal, Local anesthesia, Prescribed drugs Not Covered
Co-Pay 20% Co-Pay per treatment Not Covered 20% 20% 20%
Coverage 70% of Reasonable and Customary Charges
*Note: Inside Kuwait: Out patient visit are limited to 16 visits & KD 5 deductible per visit
  • Annual Financial Limit
    (Overall Financial Limit per member per year)
    Option I: KD 5,000 or Option II: KD 10,000
    Territorial Cover
    (Countries where medical treatment is covered)
    Kuwait Only
    Medical Network
    (Medical Providers where the medical cards can be used)
    FAY Plus Network
    Age Eligibility
    (From day 1 till 65 Years)
    Pre-existing Conditions
    (Any symptoms whether known or not that started before receiving the application)
    Not covered
    Chronic Medications
    (12 months waiting period from joining date)
    In-Patient
    (Annual Financial Limit)
    Up to Annual Limit (Selected Co-Payment apply)
    Co-Payments Options
    (Applicable on each service)
    Nil or 10% or 20%
    Accommodation Type
    (Private Standard Room)
    Hospital Services
    (Surgery, Anesthesia, Drugs, Lab, Radiology, etc..)
    Hospital Cash Benefit
    (Per night for In-Patient covered treatments at a Government Hospital)
    KD 50 per night
    (A maximum of 30 nights per year)

     

    Parent Accommodation
    (With Child 16 years or under)
    Out-Patient
    Annual Financial Limit (Depending on Plan selected)
    Up to KD 500/- for 5,000 plan or KD 700/- for 10,000 KD plan PPPY
    Co-Payments Options
    (Applicable on each service)
    10% or 20%
    Visit Limitation
    (Number of visits per person per year)
    16 Visits Per year
    Physician Consultation
    (Deductible per visit)
    KD 5 per visit
    Diagnostic Tests, Medicines & Physiotherapy
    (Co-Pay applicable on each service)
    10% or 20%
    Maternity
    (Annual Financial limit for In & Out Patient maternity services)
    KD1,200
    Waiting Period
    (12 months from eligibility date for (all admission procedures including delivery))
    Out Patient visits coverage for maternity
    (If member is pregnant after start date of insurance)
    Physician Consultation
    (Deductible per visit)
    KD 5 per visit
    Diagnostic Tests & Medicines
    (Co-Pay applicable on each service)
    10% or 20%
    New Born Baby Coverage
    (Covered up to Maternity limit)
    Dental
    (Annual Financial Limit for Dental services)
    Not Covered
    Waiting Period
    (3 months from joining date)
    Not Covered
    Covered services
    (Consultations, X-ray, Extractions, Amalgam/Composite, Glass lonomer filling, Root canal, Local anesthesia, Prescribed drugs)
    Not Covered
    Co-Pay
    (20% Co-Pay per treatment)
    Not Covered
    Treatment Outside Network (Reimbursement)
    (Applicable on all benefits)
    Coverage
    (70% Of Reasonable and Customary Charges)
  • Annual Financial Limit
    (Overall Financial Limit per member per year)
    KD 100,000
    Territorial Cover
    (Countries where medical treatment is covered)
    Kuwait Only
    Medical Network
    (Medical Providers where the medical cards can be used)
    FAY Plus Network
    Age Eligibility
    (From day 1 till 65 Years)
    Pre-existing Conditions
    (Any symptoms whether known or not that started before receiving the application)
    Not covered
    Chronic Medications
    (12 months waiting period from joining date)
    In-Patient
    (Annual Financial Limit)
    Up to Annual Limit
    Co-Payments Options
    (Applicable on each service)
    No Co-Pay
    Accommodation Type
    (Private Standard Room)
    Hospital Services
    (Surgery, Anesthesia, Drugs, Lab, Radiology, etc..)
    Hospital Cash Benefit
    (Per night for In-Patient covered treatments at a Government Hospital)
    KD 50 per night
    (A maximum of 30 nights per year)
    Parent Accommodation
    (With Child 16 years or under)
    Out-Patient
    Annual Financial Limit (Depending on Plan selected)
    Up to Annual Limit
    Co-Payments Options
    (Applicable on each service)
    10% or 20%
    Visit Limitation
    (Number of visits per person per year)
    16 Visits Per year
    Physician Consultation
    (Deductible per visit)
    KD 5 per visit
    Diagnostic Tests, Medicines & Physiotherapy
    (Co-Pay applicable on each service)
    10% or 20%
    Maternity
    (Annual Financial limit for In & Out Patient maternity services)
    KD1,200
    Waiting Period
    (12 months from eligibility date for (all admission procedures including delivery))
    Out Patient visits coverage for maternity
    (If member is pregnant after start date of insurance)
    Physician Consultation
    (Deductible per visit)
    KD 5 per visit
    Diagnostic Tests & Medicines
    (Co-Pay applicable on each service)
    10% or 20%
    New Born Baby Coverage
    (Covered up to Maternity limit)
    Dental
    (Annual Financial Limit for Dental services)
    KD 300
    Waiting Period
    (3 months from joining date)
    Covered services
    (Consultations, X-ray, Extractions, Amalgam/Composite, Glass lonomer filling, Root canal, Local anesthesia, Prescribed drugs)
    Co-Pay
    (20% Co-Pay per treatment)
    20%
    Treatment Outside Network (Reimbursement)
    (Applicable on all benefits)
    Coverage
    (70% Of Reasonable and Customary Charges)
  • Annual Financial Limit
    (Overall Financial Limit per member per year)
    KD 200,000
    Territorial Cover
    (Countries where medical treatment is covered)
    Kuwait & (Lebanon or Jordan or India)
    Medical Network
    (Medical Providers where the medical cards can be used)
    Dual Network
    Age Eligibility
    (From day 1 till 65 Years)
    Pre-existing Conditions
    (Any symptoms whether known or not that started before receiving the application)
    Not covered
    Chronic Medications
    (12 months waiting period from joining date)
    In-Patient
    (Annual Financial Limit)
    Up to Annual Limit
    Co-Payments Options
    (Applicable on each service)
    No Co-Pay
    Accommodation Type
    (Private Standard Room)
    Hospital Services
    (Surgery, Anesthesia, Drugs, Lab, Radiology, etc..)
    Hospital Cash Benefit
    (Per night for In-Patient covered treatments at a Government Hospital)
    KD 50 per night
    (A maximum of 30 nights per year)
    Parent Accommodation
    (With Child 16 years or under)
    Out-Patient
    Annual Financial Limit (Depending on Plan selected)
    Up to Annual Limit
    Co-Payments Options
    (Applicable on each service)
    10% or 20%
    Visit Limitation
    (Number of visits per person per year)
    16 Visits per year (Inside Kuwait)
    Unlimited (Outside Kuwait)
    Physician Consultation
    (Deductible per visit)
    KD 5 per visit (Inside Kuwait)
    No Deductible (Outside Kuwait)
    Diagnostic Tests, Medicines & Physiotherapy
    (Co-Pay applicable on each service)
    10% or 20%
    Maternity
    (Annual Financial limit for In & Out Patient maternity services)
    KD1,500
    Waiting Period
    (12 months from eligibility date for (all admission procedures including delivery))
    Out Patient visits coverage for maternity
    (If member is pregnant after start date of insurance)
    Physician Consultation
    (Deductible per visit)
    KD 5 per visit (Inside Kuwait)
    No Deductible (Outside Kuwait)
    Diagnostic Tests & Medicines
    (Co-Pay applicable on each service)
    10% or 20%
    New Born Baby Coverage
    (Covered up to Maternity limit)
    Dental
    (Annual Financial Limit for Dental services)
    KD 400
    Waiting Period
    (3 months from joining date)
    Covered services
    (Consultations, X-ray, Extractions, Amalgam/Composite, Glass lonomer filling, Root canal, Local anesthesia, Prescribed drugs)
    Co-Pay
    (20% Co-Pay per treatment)
    20%
    Treatment Outside Network (Reimbursement)
    (Applicable on all benefits)
    Coverage
    (70% Of Reasonable and Customary Charges)
  • Annual Financial Limit
    (Overall Financial Limit per member per year)
    KD 500,000
    Territorial Cover
    (Countries where medical treatment is covered)
    Kuwait, GCC, MENA & SEA & Turkey
    Medical Network
    (Medical Providers where the medical cards can be used)
    Regional Network
    Age Eligibility
    (From day 1 till 65 Years)
    Pre-existing Conditions
    (Any symptoms whether known or not that started before receiving the application)
    Not covered
    Chronic Medications
    (12 months waiting period from joining date)
    In-Patient
    (Annual Financial Limit)
    Up to Annual Limit
    Co-Payments Options
    (Applicable on each service)
    No Co-Pay
    Accommodation Type
    (Private Standard Room)
    Hospital Services
    (Surgery, Anesthesia, Drugs, Lab, Radiology, etc..)
    Hospital Cash Benefit
    (Per night for In-Patient covered treatments at a Government Hospital)
    KD 50 per night
    (A maximum of 30 nights per year)
    Parent Accommodation
    (With Child 16 years or under)
    Out-Patient
    Annual Financial Limit (Depending on Plan selected)
    Up to Annual Limit
    Co-Payments Options
    (Applicable on each service)
    No Co-Pay
    Visit Limitation
    (Number of visits per person per year)
    Unlimited
    Physician Consultation
    (Deductible per visit)
    No Deductible
    Diagnostic Tests, Medicines & Physiotherapy
    (Co-Pay applicable on each service)
    No Co-Pay
    Maternity
    (Annual Financial limit for In & Out Patient maternity services)
    KD3,000
    Waiting Period
    (12 months from eligibility date for (all admission procedures including delivery))
    Out Patient visits coverage for maternity
    (If member is pregnant after start date of insurance)
    Physician Consultation
    (Deductible per visit)
    No Deductible
    Diagnostic Tests & Medicines
    (Co-Pay applicable on each service)
    No Co-Pay
    New Born Baby Coverage
    (Covered up to Maternity limit)
    Dental
    (Annual Financial Limit for Dental services)
    KD 500
    Waiting Period
    (3 months from joining date)
    Covered services
    (Consultations, X-ray, Extractions, Amalgam/Composite, Glass lonomer filling, Root canal, Local anesthesia, Prescribed drugs)
    Co-Pay
    (20% Co-Pay per treatment)
    20%
    Treatment Outside Network (Reimbursement)
    (Applicable on all benefits)
    Coverage
    (70% Of Reasonable and Customary Charges)
  • * Inside Kuwait: Out patient visit are limited to 16 visits & KD 5 deductible per visit
BENEFITS

  • Distinctive coverage including pregnancy and childbirth, physiotherapy, doctor’s consultations, diagnostic tests, prescribed medications and dental care as well.
  • Choose programs that cover treatment inside Kuwait only or treatment inside and outside Kuwait, depending on the type of program chosen.
  • FAY provides you with full support from a team of specialized medical professionals such as, qualified doctors and nurses available 24 hours, 7 days a week.
  • Enjoy coverage of treatment outside of Kuwait within the approved network, with a maximum of 70% of reasonable and accepted fees.
  • FAY plans provide you with global emergency services without any maximum limits for as part of in the dual, regional, international, and global plans.
To read the terms and conditions view the policy wording: click here
Buy your FAY Insurance today and ensure peace of mind!