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.

• FAY

  Annual Financial Limit	Option I: KD  5,000 or  Option II: KD 10,000
  Territorial Cover	Kuwait Only
  Medical Network	FAY Plus Network
  Age Eligibility
  Pre-Existing Conditions	Not Covered
  Chronic Medications
  In-Patient	Up to Annual Limit (Selected Co-Payment apply)
  Co-Payments Options	Nil or 10% or 20%
  Accommodation Type
  Hospital Services
  Hospital Cash Benefit	KD 50 per night A maximum of 30 nights per year
  Parent Accommodation
  Out-Patient	Up to KD500/- for KD5,000 plan or KD700/- for KD10,000 plan PPPY
  Co-Payments Options	10% or 20%
  Visit Limitation	16 Visits per Year
  Physician Consultation	KD 5 per visit
  Diagnostic Tests, Medicines & Physiotherapy	10% or 20%
  Maternity	KD 1,200
  Waiting Period
  Out Patient visits coverage for maternity
  Physician Consultation	KD 5 per visit
  Diagnostic Tests & Medicines	10% or 20%
  New Born Baby Coverage
  Dental	Not covered
  Waiting period	Not covered
  Covered services	Not covered
  Co-pay	Not covered
  Treatment Outside Network (Reimbursement)	Applicable on all benefits
  Coverage

• FAY-Plus

  Annual Financial Limit	KD 100,000
  Territorial Cover	Kuwait Only
  Medical Network	FAY Plus Network
  Age Eligibility
  Pre-Existing Conditions	Not Covered
  Chronic Medications
  In-Patient	Up to Annual Limit
  Co-Payments Options	No Co-pay
  Accommodation Type
  Hospital Services
  Hospital Cash Benefit	KD 50 per night A maximum of 30 nights per year
  Parent Accommodation
  Out-Patient	Up to Annual Limit
  Co-Payments Options	10% or 20%
  Visit Limitation	16 Visits per Year
  Physician Consultation	KD 5 per visit
  Diagnostic Tests, Medicines & Physiotherapy	10% or 20%
  Maternity	KD 1,200
  Waiting Period
  Out Patient visits coverage for maternity
  Physician Consultation	KD 5 per visit
  Diagnostic Tests & Medicines	10% or 20%
  New Born Baby Coverage
  Dental	KD 300
  Waiting period
  Covered services
  Co-pay	20%
  Treatment Outside Network (Reimbursement)	Applicable on all benefits
  Coverage

• FAY-Dual

  Annual Financial Limit	KD 200,000
  Territorial Cover	Kuwait & ( Lebanon or Jordan or India )
  Medical Network	Dual Network
  Age Eligibility
  Pre-Existing Conditions	Not Covered
  Chronic Medications
  In-Patient	Up to Annual Limit
  Co-Payments Options	No Co-pay
  Accommodation Type
  Hospital Services
  Hospital Cash Benefit	KD 50 per night A maximum of 30 nights per year
  Parent Accommodation
  Out-Patient	Up to Annual Limit
  Co-Payments Options	10% or 20%
  Visit Limitation	16 Visits Per year inside Kuwait Unlimited outside Kuwait *
  Physician Consultation	KD 5 per visit inside Kuwait No Deductible outside Kuwait*
  Diagnostic Tests, Medicines & Physiotherapy	10% or 20%
  Maternity	KD 1,500
  Waiting Period
  Out Patient visits coverage for maternity
  Physician Consultation	KD 5 per visit No Deductible outside Kuwait*
  Diagnostic Tests & Medicines	10% or 20%
  New Born Baby Coverage
  Dental	KD 400
  Waiting period
  Covered services
  Co-pay	20%
  Treatment Outside Network (Reimbursement)	Applicable on all benefits
  Coverage

• FAY-Regional

  Annual Financial Limit	KD 500,000
  Territorial Cover	Kuwait, GCC, MENA, SEA & Turkey
  Medical Network	Regional Network
  Age Eligibility
  Pre-Existing Conditions	Not Covered
  Chronic Medications
  In-Patient	Up to Annual Limit
  Co-Payments Options	No Co-pay
  Accommodation Type
  Hospital Services
  Hospital Cash Benefit	KD 50 per night A maximum of 30 nights per year
  Parent Accommodation
  Out-Patient	Up to Annual Limit
  Co-Payments Options	No Co-pay
  Visit Limitation	Unlimited
  Physician Consultation	No Deductible
  Diagnostic Tests, Medicines & Physiotherapy	No Co-pay
  Maternity	KD 3,000
  Waiting Period
  Out Patient visits coverage for maternity
  Physician Consultation	No Deductible
  Diagnostic Tests & Medicines	No Co-pay
  New Born Baby Coverage
  Dental	KD 500
  Waiting period
  Covered services
  Co-pay	20%
  Treatment Outside Network (Reimbursement)	Applicable on all benefits
  Coverage