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
Benefits |
FAY |
FAY-Plus |
FAY-Dual |
FAY-Regional |
---|---|---|---|---|
Annual Financial Limit
|
Option I: KD 5,000 or Option II: KD 10,000 |
KD 100,000 | KD 200,000 | KD 500,000 |
Territorial Cover
|
Kuwait Only
|
Kuwait Only
|
Kuwait & ( Lebanon or Jordan or India )
|
Kuwait, GCC, MENA, SEA & Turkey
|
Medical Network
|
FAY Plus Network
|
FAY Plus Network
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Dual Network
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Regional Network
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Age Eligibility
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Pre-Existing Conditions
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Not Covered
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Not Covered
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Not Covered
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Not Covered
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Chronic Medications
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In-Patient
|
Up to Annual Limit (Selected Co-Payment apply) | Up to Annual Limit | Up to Annual Limit | Up to Annual Limit |
Co-Payments Options
|
Nil or 10% or 20%
|
No Co-pay
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No Co-pay
|
No Co-pay
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Accommodation Type
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Hospital Services
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Hospital Cash Benefit
|
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
|
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|
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Out-Patient
|
Up to KD500/- for KD5,000 plan or KD700/- for KD10,000 plan PPPY | Up to Annual Limit | Up to Annual Limit | Up to Annual Limit |
Co-Payments Options
|
10% or 20%
|
10% or 20%
|
10% or 20%
|
No Co-pay
|
Visit Limitation
|
16 Visits per Year
|
16 Visits per Year
|
16 Visits Per year inside Kuwait
Unlimited outside Kuwait * |
Unlimited
|
Physician Consultation
|
KD 5 per visit
|
KD 5 per visit
|
KD 5 per visit inside Kuwait
No Deductible outside Kuwait* |
No Deductible
|
Diagnostic Tests, Medicines & Physiotherapy
|
10% or 20%
|
10% or 20%
|
10% or 20%
|
No Co-pay
|
Maternity
|
KD 1,200 | KD 1,200 | KD 1,500 | KD 3,000 |
Waiting Period
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Out Patient visits coverage for maternity
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Physician Consultation
|
KD 5 per visit
|
KD 5 per visit
|
KD 5 per visit
No Deductible outside Kuwait* |
No Deductible
|
Diagnostic Tests & Medicines
|
10% or 20%
|
10% or 20%
|
10% or 20%
|
No Co-pay
|
New Born Baby Coverage
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Dental
|
Not covered | KD 300 | KD 400 | KD 500 |
Waiting period
|
Not covered
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Covered services
|
Not covered
|
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|
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Co-pay
|
Not covered
|
20%
|
20%
|
20%
|
Treatment Outside Network (Reimbursement)
|
Applicable on all benefits | Applicable on all benefits | Applicable on all benefits | Applicable on all benefits |
Coverage
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Annual Financial Limit
Option I: KD 5,000 or
Option II: KD 10,000Territorial CoverKuwait Only Medical NetworkFAY Plus Network Age EligibilityPre-Existing ConditionsNot Covered Chronic MedicationsIn-PatientUp to Annual Limit (Selected Co-Payment apply) Co-Payments OptionsNil or 10% or 20% Accommodation TypeHospital ServicesHospital Cash BenefitKD 50 per night
A maximum of 30 nights per yearParent AccommodationOut-PatientUp to KD500/- for KD5,000 plan or KD700/- for KD10,000 plan PPPY Co-Payments Options10% or 20% Visit Limitation16 Visits per Year Physician ConsultationKD 5 per visit Diagnostic Tests, Medicines & Physiotherapy10% or 20% MaternityKD 1,200 Waiting PeriodOut Patient visits coverage for maternityPhysician ConsultationKD 5 per visit Diagnostic Tests & Medicines10% or 20% New Born Baby CoverageDentalNot covered Waiting periodNot covered Covered servicesNot covered Co-payNot covered Treatment Outside Network (Reimbursement)Applicable on all benefits Coverage -
Annual Financial Limit
KD 100,000 Territorial CoverKuwait Only Medical NetworkFAY Plus Network Age EligibilityPre-Existing ConditionsNot Covered Chronic MedicationsIn-PatientUp to Annual Limit Co-Payments OptionsNo Co-pay Accommodation TypeHospital ServicesHospital Cash BenefitKD 50 per night
A maximum of 30 nights per yearParent AccommodationOut-PatientUp to Annual Limit Co-Payments Options10% or 20% Visit Limitation16 Visits per Year Physician ConsultationKD 5 per visit Diagnostic Tests, Medicines & Physiotherapy10% or 20% MaternityKD 1,200 Waiting PeriodOut Patient visits coverage for maternityPhysician ConsultationKD 5 per visit Diagnostic Tests & Medicines10% or 20% New Born Baby CoverageDentalKD 300 Waiting periodCovered servicesCo-pay20% Treatment Outside Network (Reimbursement)Applicable on all benefits Coverage -
Annual Financial Limit
KD 200,000 Territorial CoverKuwait & ( Lebanon or Jordan or India ) Medical NetworkDual Network Age EligibilityPre-Existing ConditionsNot Covered Chronic MedicationsIn-PatientUp to Annual Limit Co-Payments OptionsNo Co-pay Accommodation TypeHospital ServicesHospital Cash BenefitKD 50 per night
A maximum of 30 nights per yearParent AccommodationOut-PatientUp to Annual Limit Co-Payments Options10% or 20% Visit Limitation16 Visits Per year inside Kuwait
Unlimited outside Kuwait *Physician ConsultationKD 5 per visit inside Kuwait
No Deductible outside Kuwait*Diagnostic Tests, Medicines & Physiotherapy10% or 20% MaternityKD 1,500 Waiting PeriodOut Patient visits coverage for maternityPhysician ConsultationKD 5 per visit
No Deductible outside Kuwait*Diagnostic Tests & Medicines10% or 20% New Born Baby CoverageDentalKD 400 Waiting periodCovered servicesCo-pay20% Treatment Outside Network (Reimbursement)Applicable on all benefits Coverage -
Annual Financial Limit
KD 500,000 Territorial CoverKuwait, GCC, MENA, SEA & Turkey Medical NetworkRegional Network Age EligibilityPre-Existing ConditionsNot Covered Chronic MedicationsIn-PatientUp to Annual Limit Co-Payments OptionsNo Co-pay Accommodation TypeHospital ServicesHospital Cash BenefitKD 50 per night
A maximum of 30 nights per yearParent AccommodationOut-PatientUp to Annual Limit Co-Payments OptionsNo Co-pay Visit LimitationUnlimited Physician ConsultationNo Deductible Diagnostic Tests, Medicines & PhysiotherapyNo Co-pay MaternityKD 3,000 Waiting PeriodOut Patient visits coverage for maternityPhysician ConsultationNo Deductible Diagnostic Tests & MedicinesNo Co-pay New Born Baby CoverageDentalKD 500 Waiting periodCovered servicesCo-pay20% Treatment Outside Network (Reimbursement)Applicable on all benefits Coverage
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:
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Buy your FAY Insurance today and ensure peace of mind!
Buy your FAY Insurance today and ensure peace of mind!