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International Health Plan

A global insurance plan inspired by ambition

Bupa Arabia’s ‘International Health Plan’ is our exclusive private health insurance scheme that caters to the healthcare needs of business executives living and/ or working in Saudi Arabia. With worldwide coverage*, members are always looked after, no matter how far their business and leisure trips might take them. Our global reach provides your executives access to the world’s largest healthcare provider network in 190 countries around the world.

*United States of America coverage can be purchased as an optional addition to your policy with a separate card

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1.2 million providers

One card enables you to access medical treatment around the world
* Except United State of America
Access to over 1.2 million medical providers across 190 countries
Direct billing for all eligible treatment through over 11,000 providers worldwide
An annual maximum limit that goes up to SAR 37.5 million
Immediate coverage with no waiting period
Gold Superior Gold
Overall annual maximum limit per member SAR 37,500,000 / USD 10,000,000 SAR 7,500,000 / USD 2,000,000
Coverage worldwide (USA optional) worldwide (USA optional)
Network of healthcare providers Inside KSA: NW7. Outside KSA: Access to over 1.2 million medical facilities around the world. Inside KSA: NW7. Outside KSA: Access to over 1.2 million medical facilities around the world.
Accommodation Inside KSA: Standard suite. Outside KSA: Single room with private bathroom. Inside KSA: Standard suite. Outside KSA: Single room with private bathroom.
Out-Patient Deductible NIL Inside KSA: 20% of net amount up to SAR 100 per visit. Outside KSA: SAR 100 per visit.
Maternity cover with benefits SAR 61,000 / USD 16,300 SAR 45,000 / USD 12,000
Dental cover SAR 15,000 / USD 4,000 SAR 11,250 / USD 3,000
Optical cover SAR 1,600 / USD 462 SAR 1,175 / USD 313
Preventative tests SAR 7,500 / USD 2,000 SAR 3,750 / USD 1,000
In-patient pre-authorisation approval As per standard protocol As per standard protocol
Companion charges Up to annual maximum limit Up to annual maximum limit
Out-patient coverage Up to annual maximum limit Up to annual maximum limit
Out-patient pre-authorisation approval Inside KSA: not required except for services with sub-limits such as dental, optical, maternity services etc. Outside KSA: As per standard protocol Inside KSA: not required except for services with sub-limits such as dental and optical. Outside KSA: As per standard protocol.
Advanced imaging (MRI, CT, PET) Up to annual maximum limit Up to annual maximum limit
Artificial limbs Up to annual maximum limit Up to annual maximum limit
Cancer treatment Up to annual maximum limit Up to annual maximum limit
Congenital illness Up to annual maximum limit Up to annual maximum limit
Dialysis Up to annual maximum limit Up to annual maximum limit
Emergency treatment at a healthcare provider outside the Bupa network 100% of costs covered up to annual maximum limit, inside and outside KSA 100% of costs covered up to annual maximum limit, inside and outside KSA.
Emergency medical treatment in the US Up to SAR 187,500 / USD 50,000 up to a maximum of 30 days. Up to SAR 187,500 / USD 50,000 up to a maximum of 30 days.
Healthline services Included Included
Hearing aids Up to SAR 10,000 / USD 2,666 Up to SAR 10,000 / USD 2,666
Local road ambulance for emergency cases only Up to annual maximum limit Up to annual maximum limit
Local air ambulance for emergency cases only Up to SAR 37,500 / USD 10,000 Up to SAR 37,500 / USD 10,000
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages…) Up to annual maximum limit
Up to annual maximum limit
Neonatal/ Newborn cover Inside KSA: Covered from Day 1. Outside KSA: Up to 7 days following birth for routine care. and up to SAR 560,000 / USD 150,000 for non-routine care Inside KSA: Covered from Day 1. Outside KSA: Up to 7 days following birth for routine care. and up to SAR 560,000 / USD 150,000 for non-routine care
Treatment of premature babies Inside KSA: Up to annual maximum limit. Outside KSA: new-born care benefit, see above. Inside KSA: Up to annual maximum limit. Outside KSA: new-born care benefit, see above.
Mental health conditions (acute psychiatric treatment) Up to SAR 15,000 / USD 4,000 Up to SAR 15,000 / USD 4,000 (out-patient co-payment applies)
Mental health conditions (non-acute psychiatric treatment) Up to 30 visits Up to 30 visits (out-patient co-payment applies)
Non-emergency (elective) treatment outside the Bupa network Inside KSA: Based on 100% of customary prices of Network hospitals in Network level NW7. Outside KSA: Subject to Reasonable and Customary charges. Inside KSA: Based on 100% of customary prices of Network hospitals in Network level NW7. Outside KSA: Subject to Reasonable and Customary charges.
Physiotherapy when medically necessary Physiotherapy when medically necessary: up to annual maximum limit. Physiotherapy when medically necessary: up to annual maximum limit (out-patient co-payment applies)
Pre-existing and chronic conditions Covered Covered
Preventive tests Up to SAR 7,500 / USD 2,000 Up to SAR 3,750 / USD 1,000 (out-patient co-payment applies)
Rehabilitation (physiotherapy) Rehabilitation and physiotherapy: up to annual maximum limit. Rehabilitation and physiotherapy: up to annual maximum limit.
Transportation of mortal remains to home country in case of death in KSA Up to SAR 10,000 / USD 2,666 Up to SAR 10,000 / USD 2,666
Treatment for damage to acquired heart valves Up to annual maximum limit Up to annual maximum limit
Alzheimer’s Disease Up to SAR 15,000 / USD 4,000 Up to SAR 15,000 / USD 4,000
Autism Up to SAR 15,000 / USD 4,000 Up to SAR 15,000 / USD 4,000
Disability cases Up to annual maximum limit Up to annual maximum limit
Cost of obtaining/harvesting donor organs Up to SAR 50,000 / USD 13,333 Up to SAR 50,000 / USD 13,333
Transplant of organ or bone marrow Up to annual maximum limit Up to annual maximum limit
Treatment for contagious or endemic diseases Treated as any condition or sickness Treated as any other condition or sickness
Vaccinations and inoculations (up till age 6) Inside KSA: Up to annual maximum limit Outside KSA: Up to SAR 6,375 / USD 1,700 Inside KSA: Up to annual maximum limit. Outside KSA: Up to SAR 6,375 / USD 1,700 (out-patient co-payment applies).
Vaccinations and inoculations (after age 6) Up to SAR 3,750 / USD 1,000 Up to SAR 1,125 / USD 300 (out-patient co-payment applies)
In-patient / day-case coverage Up to annual maximum limit. Up to annual maximum limit
In-patient deductible NIL NIL
Circumcision of new-born boys and ear piercing of new-born girls Up to SAR 500/ USD 140 for circumcision and up to SAR 300/ USD 80 for ear piercing. Up to SAR 500/ USD 140 for circumcision and up to SAR 300/ USD 80 for ear piercing.
Gold Superior Gold
Overall annual maximum limit per member SAR 37,500,000 / USD 10,000,000 SAR 7,500,000 / USD 2,000,000
Coverage worldwide (USA optional) worldwide (USA optional)
Network of healthcare providers Inside KSA: NW7. Outside KSA: Access to over 1.2 million medical facilities around the world. Inside KSA: NW7. Outside KSA: Access to over 1.2 million medical facilities around the world.
Accommodation Inside KSA: Standard suite. Outside KSA: Single room with private bathroom. Inside KSA: Standard suite. Outside KSA: Single room with private bathroom.
Out-Patient Deductible NIL Inside KSA: 20% of net amount up to SAR 100 per visit. Outside KSA: SAR 100 per visit.
Maternity cover with benefits SAR 61,000 / USD 16,300 SAR 45,000 / USD 12,000
Dental cover SAR 15,000 / USD 4,000 SAR 11,250 / USD 3,000
Optical cover SAR 1,600 / USD 462 SAR 1,175 / USD 313
Preventative tests SAR 7,500 / USD 2,000 SAR 3,750 / USD 1,000
In-patient pre-authorisation approval As per standard protocol As per standard protocol
Companion charges Up to annual maximum limit Up to annual maximum limit
Out-patient coverage Up to annual maximum limit Up to annual maximum limit
Out-patient pre-authorisation approval Inside KSA: not required except for services with sub-limits such as dental, optical, maternity services etc. Outside KSA: As per standard protocol Inside KSA: not required except for services with sub-limits such as dental and optical. Outside KSA: As per standard protocol.
Advanced imaging (MRI, CT, PET) Up to annual maximum limit Up to annual maximum limit
Artificial limbs Up to annual maximum limit Up to annual maximum limit
Cancer treatment Up to annual maximum limit Up to annual maximum limit
Congenital illness Up to annual maximum limit Up to annual maximum limit
Dialysis Up to annual maximum limit Up to annual maximum limit
Emergency treatment at a healthcare provider outside the Bupa network 100% of costs covered up to annual maximum limit, inside and outside KSA 100% of costs covered up to annual maximum limit, inside and outside KSA.
Emergency medical treatment in the US Up to SAR 187,500 / USD 50,000 up to a maximum of 30 days. Up to SAR 187,500 / USD 50,000 up to a maximum of 30 days.
Healthline services Included Included
Hearing aids Up to SAR 10,000 / USD 2,666 Up to SAR 10,000 / USD 2,666
Local road ambulance for emergency cases only Up to annual maximum limit Up to annual maximum limit
Local air ambulance for emergency cases only Up to SAR 37,500 / USD 10,000 Up to SAR 37,500 / USD 10,000
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages…) Up to annual maximum limit
Up to annual maximum limit
Neonatal/ Newborn cover Inside KSA: Covered from Day 1. Outside KSA: Up to 7 days following birth for routine care. and up to SAR 560,000 / USD 150,000 for non-routine care Inside KSA: Covered from Day 1. Outside KSA: Up to 7 days following birth for routine care. and up to SAR 560,000 / USD 150,000 for non-routine care
Treatment of premature babies Inside KSA: Up to annual maximum limit. Outside KSA: new-born care benefit, see above. Inside KSA: Up to annual maximum limit. Outside KSA: new-born care benefit, see above.
Mental health conditions (acute psychiatric treatment) Up to SAR 15,000 / USD 4,000 Up to SAR 15,000 / USD 4,000 (out-patient co-payment applies)
Mental health conditions (non-acute psychiatric treatment) Up to 30 visits Up to 30 visits (out-patient co-payment applies)
Non-emergency (elective) treatment outside the Bupa network Inside KSA: Based on 100% of customary prices of Network hospitals in Network level NW7. Outside KSA: Subject to Reasonable and Customary charges. Inside KSA: Based on 100% of customary prices of Network hospitals in Network level NW7. Outside KSA: Subject to Reasonable and Customary charges.
Physiotherapy when medically necessary Physiotherapy when medically necessary: up to annual maximum limit. Physiotherapy when medically necessary: up to annual maximum limit (out-patient co-payment applies)
Pre-existing and chronic conditions Covered Covered
Preventive tests Up to SAR 7,500 / USD 2,000 Up to SAR 3,750 / USD 1,000 (out-patient co-payment applies)
Rehabilitation (physiotherapy) Rehabilitation and physiotherapy: up to annual maximum limit. Rehabilitation and physiotherapy: up to annual maximum limit.
Transportation of mortal remains to home country in case of death in KSA Up to SAR 10,000 / USD 2,666 Up to SAR 10,000 / USD 2,666
Treatment for damage to acquired heart valves Up to annual maximum limit Up to annual maximum limit
Alzheimer’s Disease Up to SAR 15,000 / USD 4,000 Up to SAR 15,000 / USD 4,000
Autism Up to SAR 15,000 / USD 4,000 Up to SAR 15,000 / USD 4,000
Disability cases Up to annual maximum limit Up to annual maximum limit
Cost of obtaining/harvesting donor organs Up to SAR 50,000 / USD 13,333 Up to SAR 50,000 / USD 13,333
Transplant of organ or bone marrow Up to annual maximum limit Up to annual maximum limit
Treatment for contagious or endemic diseases Treated as any condition or sickness Treated as any other condition or sickness
Vaccinations and inoculations (up till age 6) Inside KSA: Up to annual maximum limit Outside KSA: Up to SAR 6,375 / USD 1,700 Inside KSA: Up to annual maximum limit. Outside KSA: Up to SAR 6,375 / USD 1,700 (out-patient co-payment applies).
Vaccinations and inoculations (after age 6) Up to SAR 3,750 / USD 1,000 Up to SAR 1,125 / USD 300 (out-patient co-payment applies)
In-patient / day-case coverage Up to annual maximum limit. Up to annual maximum limit
In-patient deductible NIL NIL
Circumcision of new-born boys and ear piercing of new-born girls Up to SAR 500/ USD 140 for circumcision and up to SAR 300/ USD 80 for ear piercing. Up to SAR 500/ USD 140 for circumcision and up to SAR 300/ USD 80 for ear piercing.
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Corporate
Overall annual maximum limit per member Customisable from SAR 500,000 / USD 133,000 up to SAR 37,500,500 / USD 10,000,000 million.
Coverage worldwide (USA optional)
Network of healthcare providers Inside KSA: Customisable from NWS to NW7. Outside KSA: Access to over 1.2 million medical facilities around the world.
Accommodation Inside KSA: Choice between shared room and standard suite. Outside KSA: Single room.
Out-Patient Deductible Inside KSA: Choice between 20% of net amount up to SAR 100 per visit and nil. Outside KSA: Choice between up to SAR 100 per visit and nil.
Maternity cover with benefits Customisable from SAR 15,000 / USD 4,000 up to annual maximum limit
Dental cover Customisable from SAR 2,000 / USD 533 up to annual maximum limit
Optical cover Customisable from SAR 400 / USD 110 up to annual maximum limit
Preventative tests Customisable from not covering it or up to SAR 7,500 / USD 2,000
In-patient pre-authorisation approval As per standard protocol
Companion charges Covered
Out-patient coverage Minimum: Covered with limits per visit: GP – SAR 50 / USD 14. Specialist – SAR 100 to 200 / USD 25 to 50. Consultant – SAR 300 / USD 80. Other rare Specialists – SAR 500 / USD 130. Maximum: Paid in full up to annual maximum limit.
Out-patient pre-authorisation approval As per standard protocol
Advanced imaging (MRI, CT, PET) Up to annual maximum limit
Artificial limbs Up to annual maximum limit
Cancer treatment Up to annual maximum limit
Congenital illness Up to annual maximum limit
Dialysis Customisable from SAR 100,000 / USD 26,666 up to annual maximum limit
Emergency treatment at a healthcare provider outside the Bupa network Up to annual maximum limit, inside and outside KSA
Emergency medical treatment in the US Minimum: Not covered. Maximum: up to SAR 187,500/ USD 50,000.
Healthline services Included
Hearing aids Minimum: We pay up to SAR 6,000 / USD 1,700 each insurance period. Maximum: Paid in full up to the annual maximum limit.
Local road ambulance for emergency cases only Minimum: Not covered. Maximum: Paid in full up to annual maximum limit
Local air ambulance for emergency cases only Minimum: Not covered. Maximum: Paid in full up to annual maximum limit
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages…) Up to annual maximum limit
Neonatal/ Newborn cover Inside KSA: Covered from Day 1. Outside KSA: Minimum: Not covered. Maximum: up to 7 days following birth for routine care and up to SAR 560,000 / USD 150,000 for non-routine care.
Treatment of premature babies Inside KSA: Up to annual maximum limit. Outside KSA: minimum not covered. Maximum: new-born care benefit, see above.
Mental health conditions (acute psychiatric treatment) Minimum: We pay up to SAR 15,000 / USD 4,000 each insurance period. Maximum: We pay up to SAR 15,000 / USD 4,000 each insurance period.
Mental health conditions (non-acute psychiatric treatment) Minimum: Not covered. Maximum: We pay up to 30 visits each insurance period.
Non-emergency (elective) treatment outside the Bupa network Inside KSA: Minimum: Not covered. Maximum: based on 100% of customary prices of Network hospitals in Network level NW7. Outside KSA: Subject to Reasonable and Customary charges.
Physiotherapy when medically necessary When medically necessary: Minimum: Paid in full up to annual maximum limit (out-patient co-payment applies). Maximum: Paid in full up to annual maximum limit.
Pre-existing and chronic conditions Covered
Preventive tests Minimum: Not covered. Maximum: We pay up to SAR 7,500 / USD 2,000 each insurance period.
Rehabilitation (physiotherapy) Rehabilitation and physiotherapy: up to annual maximum limit
Transportation of mortal remains to home country in case of death in KSA Minimum: We pay up to SAR 10,000 / USD 2,666 each insurance period. Maximum: Paid in full up to annual maximum limit.
Treatment for damage to acquired heart valves Minimum: We pay up to SAR 70,000 / USD 18,920 each insurance period. Maximum: Paid in full up to annual maximum limit.
Alzheimer’s Disease Up to SAR 15,000 / USD 4,000
Autism Up to SAR 15,000 / USD 4,000
Disability cases Minimum: We pay up to SAR 100,000 / USD 27,000 each insurance period. Maximum: Paid in full up to annual maximum limit.
Cost of obtaining/harvesting donor organs Up to SAR 50,000 / USD 13,333
Transplant of organ or bone marrow Minimum: Not covered. Maximum: Paid in full up to annual maximum limit.
Treatment for contagious or endemic diseases Covered
Vaccinations and inoculations (up till age 6) Inside KSA: Covered. Outside KSA: Up to SAR 11,250 / USD 3,000.
Vaccinations and inoculations (after age 6) Minimum: not covered. Maximum: up to SAR 7,500 / USD 2,000.
In-patient / day-case coverage Up to annual maximum limit
In-patient deductible NIL
Circumcision of new-born boys and ear piercing of new-born girls Minimum: We pay up to SAR 500/ USD 140 for circumcision and up to SAR 300/ USD 80 for ear piercing each insurance period. Maximum: Paid in full up to annual maximum limit.
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SAMA Product ID for Bupa International Health Program: A-BUPA-2-C-14-003

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