Bupa Arabia Business

Bupa Business has a wide range of schemes designed to meet and exceed the needs of small and medium-sized businesses whether they have two, or 200, employees.

A quick look at the benefits

We’re the leaders in healthcare insurance, supported by unique services such as those under the Tebtom program.
We’re the only healthcare provider offering complete online purchasing for businesses with nine employees or less.
Our representatives are located on-site at the Kingdom’s largest hospitals, ready to immediately assist you
We’ve got a variety of scheme solutions to suit different companies’ sizes and needs.
Reimbursement claims are processed in record time

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What Our Customers Say

“Since our establishment started implementing healthcare insurance for employees, we have made the selection to go with Bupa as our healthcare provider. This is due to their leadership in the field throughout the Kingdom. With time, it was notable how correct our decision was as we experienced their excellent customer service. And as an expression of this satisfaction, we will be extending our contract with them for many years to come. Hoping for the prosperity of this partnership.”

HUMMUS REEFI

“Dear Contract Supervisor – Bupa Arabia, We would like to offer our deepest appreciation for the respectable cooperation, exerted efforts, and remarkable healthcare services you have been providing our company with for the past five years. Wishing you further progress in delivering the best healthcare services.”

WAKAME RESTAURANT

“We would like to thank Bupa Arabia for their virtue and prompt response to our requests, as its employees attain high levels of rectitude. We consider working with Bupa a great fortune and look forward to a lifelong partnership.”

“Dear Bupa Arabia, Souq.com would like to thank all accountable personnel who facilitated & contributed in one way or another in developing the relationship between Souq.com & Bupa Arabia. Thank you for your continuous corporation.”

SOUQ.COM

“We have dealt with Bupa in 3 sectors, and through our partnership we continue to receive superior service not provided by other companies. As a result of our interaction with Bupa employees, we think all transparency that they attain sophistication and excellence in performance.”

Tala Al Joud – Daw Al Bader Est., SAUDIA AIRLINES COOPERATIVE SOCIETY

“Bupa Arabia provides customer service of high standards and commitment to clients. Their e-services are exploited effectively to serve clients, as well as having exclusive services that are not matched by other health care providers.”

MUNCH BAKERY

800 440 4040

Health insurance is one thing, Tebtom healthcare services from Bupa Arabia are another

The Tebtom program from Bupa Arabia is a set of healthcare services that go beyond medical insurance coverage, to provide you and your family with holistic healthcare. We offer various services, each designed to support a specific healthcare need. Find the Tebtom service for you..

Surrounding you with care.

Learn more

The Rahatkom Program is designed to make your hospital experiences easier and less stressful through supporting you when and where it matters, focusing on on-site case management, quick coverage responsiveness and post-admission services.

Your hospital waiting time can be reduced by 50%
Far from being just an insurance office, you will find Bupa Arabia delegates across various locations and specialities within hospitals
We even have mobile Bupa Arabia delegates to help you where it matters the most
We position experienced Bupa doctors across top hospitals to represent you with the hospital physicians

Overall annual maximum limit per member	SAR 1,000,000
Network of healthcare providers	NW7 Click Here
Accommodation	Standard suite SAR 1,500 maximum per night
Outpatient deductible	None
Deductible Rate	20%
Maximum Deductible (Hospital)	300 SAR
Maximum Deductible (Polyclinic)	75 SAR
Maximum Deductible (MPN)	75 SAR
Emergency treatment outside the kingdom	SAR 100,000
Maternity Cover with benefits	SAR 30,000 (normal, delivery, antenatal and postnatal cares)
Dental coverage	Starting from 2,000 SAR that includes a dental scaling once a year
Optical coverage	SAR 2,000
Seniors over 64-year-old annual limit	SAR 500,000
Inpatient / day-case coverage	Covered up to annual maximum limit
Companion charges	Covered
Outpatient coverage	Not Covered
Outpatient coverage	Not Covered
Inpatient deductible	None
Outpatient coverage	Up to annual maximum limit
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	Covered up to annual maximum limit (Caesarean deliveries, legal abortion, miscarriage, haemorrhages…)
Treatment of premature babies	Covered up to annual maximum limit
Circumcision of new-born boys and ear piercing of new-born girls	Up to SAR 500 for circumcision and SAR 300 for ear piercing
Neonatal/ Newborn cover	Covered from Day 1 under the mother's policy up to 30 days
Pre-existing conditions & chronic diseases	Covered up to annual maximum limit
Hearing aids	Covered up to SAR 6,000
Treatment for damage to acquired heart valves	Covered up to 150,000 SR
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule	Covered
Physiotherapy	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Alzheimer’s Disease	Covered up to SAR 15,000
Autism	Covered up to 50,000 SR only for medical needs
Congenital illness	Covered up to annual maximum limit
Dialysis	Covered up to SAR 100,000
Mental health acute psychiatric treatment	Covered up to SAR 15,000
Physiotherapy	Covered
Disability cases	Covered up to SAR 100,000
Treatment for damage to acquired heart valves	Covered up to 150,000 SR
Artificial limbs	Covered up to annual maximum limit
Cost of obtaining/harvesting donor organ	Covered up to SAR 50,000
Local road ambulance for emergency cases only	Covered
Transportation of mortal remains to home country in case of death in KSA	Covered up to SAR 15,000
Life-threatening emergency treatment out of network in KSA	Covered up to 100% of actual cost up to the annual maximum limit
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance	Not Covered
Emergency evacuations through international SOS assistance	Covered
Emergency treatment outside the kingdom	SAR 100,000
Emergency treatment outside of network in KSA	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Subject to Reasonable and Customary charges
Physiotherapy	Not Covered
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Not Covered
Preventative tests	Not Covered
Inpatient pre-authorisation approval	Not Covered
Inpatient / day-case coverage	Not Covered
Outpatient pre-authorisation approval	Not Covered
Advanced imaging (MRI, CT, PET)	Not Covered
Cancer treatment	Not Covered
Emergency treatment at a healthcare provider outside the Bupa network	Not Covered
Healthline services	Not Covered
Local air ambulance for emergency cases only	Not Covered
Emergency medical treatment in the US	Not Covered
Mental health acute psychiatric treatment	Covered up to 15,000 SR for acute psychiatric that includes 5,000 SR for non-acute cases for (4) session with medication per insurance cover period
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Not Covered
Physiotherapy	Not Covered
Pre-existing conditions & chronic diseases	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases	Not Covered
Vaccinations and inoculations (up till age 6)	Not Covered
Vaccinations and inoculations (after age 6)	Not Covered
Coverage	Not Covered
Respiratory syncytial virus (RSV) prophylaxis	Covered according to the newly developed guidelines
New born screening hearing test	Covered for new born babies but after using auto acoustic emission (AOAE) test
New born congenital heart anomalies screening	Covered using pulse oximetry
Obesity	Covered up to 20,000 only for Sleeve gastrectomy if BMI > 45
Artificial Milk & milk products	Covered for new babies until 24 months if its medically needed
Isolation	Covered for infectious diseases

Overall annual maximum limit per member	SAR 750,000
Network of healthcare providers	NW7 Click Here
Accommodation	Standard suite Covered up to SAR 1,500 per day
Outpatient deductible	Covered up to 20% and maximum SAR 100 per visit.
Deductible Rate	20%
Maximum Deductible (Hospital)	300 SAR
Maximum Deductible (Polyclinic)	75 SAR
Maximum Deductible (MPN)	75 SAR
Emergency treatment outside the kingdom	SAR 75,000
Maternity Cover with benefits	SAR 25,000 (normal, delivery, antenatal and postnatal cares)
Dental coverage	Starting from 2,000 SAR that includes a dental scaling once a year
Optical coverage	SAR 1,000
Seniors over 64-year-old annual limit	SAR 500,000
Inpatient / day-case coverage	Covered up to annual maximum limit
Companion charges	Covered
Outpatient coverage
Outpatient coverage
Inpatient deductible	None
Outpatient coverage	Covered up 20% to annual maximum limit
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	Covered up to annual maximum limit (Caesarean deliveries, legal abortion, miscarriage, haemorrhages…)
Treatment of premature babies	Covered up to annual maximum limit
Circumcision of new-born boys and ear piercing of new-born girls	Covered up to SAR 500 for circumcision and SAR 300 for ear piercing
Neonatal/ Newborn cover	Covered from Day 1 under the mother's policy up to 30 days
Pre-existing conditions & chronic diseases	Covered Up to annual maximum limit
Hearing aids	Covered up to SAR 6,000
Treatment for damage to acquired heart valves	Covered up to 150,000 SR
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule	Covered
Physiotherapy	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Alzheimer’s Disease	Covered up to SAR 15,000
Autism	Covered up to 50,000 SR only for medical needs
Congenital illness	Covered up to annual maximum limit
Dialysis	Covered up to SAR 100,000
Mental health acute psychiatric treatment	Covered up to SAR 15,000
Physiotherapy	Covered
Disability cases	Up to SAR 100,000
Treatment for damage to acquired heart valves	Not Covered
Artificial limbs	Up to annual maximum limit
Cost of obtaining/harvesting donor organ	Up to SAR 50,000
Local road ambulance for emergency cases only	Covered
Transportation of mortal remains to home country in case of death in KSA	Covered up to SAR 10,000
Life-threatening emergency treatment out of network in KSA	Covered up to 100% of actual cost up to the annual maximum limit
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance
Emergency evacuations through international SOS assistance	Covered
Emergency treatment outside the kingdom	SAR 75,000
Emergency treatment outside of network in KSA
Elective (non-emergency) treatment outside of network in or outside KSA	Subject to Reasonable and Customary charges
Physiotherapy	Not Covered
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Not Covered
Preventative tests	Not Covered
Inpatient pre-authorisation approval	Not Covered
Inpatient / day-case coverage	Not Covered
Outpatient pre-authorisation approval	Not Covered
Advanced imaging (MRI, CT, PET)	Not Covered
Cancer treatment	Not Covered
Emergency treatment at a healthcare provider outside the Bupa network	Not Covered
Healthline services	Not Covered
Local air ambulance for emergency cases only	Not Covered
Emergency medical treatment in the US	Not Covered
Mental health acute psychiatric treatment	Covered up to SAR 15,000
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Not Covered
Physiotherapy	Not Covered
Pre-existing conditions & chronic diseases	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases	Not Covered
Vaccinations and inoculations (up till age 6)	Not Covered
Vaccinations and inoculations (after age 6)	Not Covered
Coverage	Not Covered
Respiratory syncytial virus (RSV) prophylaxis	Covered according to the newly developed guidelines
New born screening hearing test	Covered for new born babies but after using auto acoustic emission (AOAE) test
New born congenital heart anomalies screening	Covered using pulse oximetry
Obesity	Covered up to 20,000 only for Sleeve gastrectomy if BMI > 45
Artificial Milk & milk products	Covered for new babies until 24 months if its medically needed
Isolation	Covered for infectious diseases

Overall annual maximum limit per member	SAR 600,000
Network of healthcare providers	NW6 Click Here
Accommodation	Single room (Fully covered)
Outpatient deductible	20% of net amount up to SAR 100 per incident
Deductible Rate	20%
Maximum Deductible (Hospital)	300 SAR
Maximum Deductible (Polyclinic)	75 SAR
Maximum Deductible (MPN)	75 SAR
Emergency treatment outside the kingdom	SAR 50,000
Maternity Cover with benefits	SAR 20,000 (normal, delivery, antenatal and postnatal cares)
Dental coverage	Starting from 2,000 SAR that includes a dental scaling once a year
Optical coverage	SAR 800
Seniors over 64-year-old annual limit	SAR 500,000
Inpatient / day-case coverage	Covered up to annual maximum limit
Companion charges	Covered
Outpatient coverage
Outpatient coverage
Inpatient deductible	None
Outpatient coverage	Covered up to annual maximum limit
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	Covered up to annual maximum limit (Caesarean deliveries, legal abortion, miscarriage, haemorrhages…)
Treatment of premature babies	Covered up to annual maximum limit
Circumcision of new-born boys and ear piercing of new-born girls	Covered up to SAR 500 for circumcision and SAR 300 for ear piercing
Neonatal/ Newborn cover	Covered from Day 1 under the mother's policy up to 30 days
Pre-existing conditions & chronic diseases	Covered up to annual maximum limit
Hearing aids	Covered up to SAR 6,000
Treatment for damage to acquired heart valves	Covered up to 150,000 SR
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule	Covered
Physiotherapy	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Alzheimer’s Disease	Covered up to SAR 15,000
Autism	Covered up to 50,000 SR only for medical needs
Congenital illness	Covered up to annual maximum limit
Dialysis	Covered up to SAR 100,000
Mental health acute psychiatric treatment	Covered up to SAR 15,000
Physiotherapy	Covered
Disability cases	Covered up to SAR 100,000
Treatment for damage to acquired heart valves	Not Covered
Artificial limbs	Covered up to 15,000 SR for acute psychiatric that includes 5,000 SR for non-acute cases for (4) session with medication per insurance cover period
Cost of obtaining/harvesting donor organ	Covered up to SAR 50,000
Local road ambulance for emergency cases only	Covered
Transportation of mortal remains to home country in case of death in KSA	Covered up to SAR 10,000
Life-threatening emergency treatment out of network in KSA	Covered up to 100% of actual cost up to the annual maximum limit
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance
Emergency evacuations through international SOS assistance	Covered
Emergency treatment outside the kingdom	SAR 50,000
Emergency treatment outside of network in KSA
Elective (non-emergency) treatment outside of network in or outside KSA	Subject to Reasonable and Customary charges
Physiotherapy	Not Covered
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Not Covered
Preventative tests	Not Covered
Inpatient pre-authorisation approval	Not Covered
Inpatient / day-case coverage	Not Covered
Outpatient pre-authorisation approval	Not Covered
Advanced imaging (MRI, CT, PET)	Not Covered
Cancer treatment	Not Covered
Emergency treatment at a healthcare provider outside the Bupa network	Not Covered
Healthline services	Not Covered
Local air ambulance for emergency cases only	Not Covered
Emergency medical treatment in the US	Not Covered
Mental health acute psychiatric treatment	Covered up to 15,000 SR for acute psychiatric that includes 5,000 SR for non-acute cases for (4) session with medication per insurance cover period
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Not Covered
Physiotherapy	Not Covered
Pre-existing conditions & chronic diseases	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases	Not Covered
Vaccinations and inoculations (up till age 6)	Not Covered
Vaccinations and inoculations (after age 6)	Not Covered
Coverage	Not Covered
Respiratory syncytial virus (RSV) prophylaxis	Covered according to the newly developed guidelines
New born screening hearing test	Covered for new born babies but after using auto acoustic emission (AOAE) test
New born congenital heart anomalies screening	Covered using pulse oximetry
Obesity	Covered up to 20,000 only for Sleeve gastrectomy if BMI > 45
Artificial Milk & milk products	Covered for new babies until 24 months if its medically needed
Isolation	Covered for infectious diseases

Overall annual maximum limit per member	SAR 500,000
Network of healthcare providers	NW4 Click Here
Accommodation	Single room
Outpatient deductible	20% of net amount up to SAR 100 per incident
Deductible Rate	20%
Maximum Deductible (Hospital)	300 SAR
Maximum Deductible (Polyclinic)	75 SAR
Maximum Deductible (MPN)	75 SAR
Emergency treatment outside the kingdom	SAR 50,000
Maternity Cover with benefits	SAR 15,000 (including neonatal care, maternity complications and treatment of premature babies)
Dental coverage	Starting from 2,000 SAR that includes a dental scaling once a year
Optical coverage	SAR 600
Seniors over 64-year-old annual limit	SAR 500,000
Inpatient / day-case coverage	Covered up to annual maximum limit
Companion charges	Covered
Outpatient coverage	Not Covered
Outpatient coverage	Not Covered
Inpatient deductible	None
Outpatient coverage	Covered up to annual maximum limit
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	Covered up to annual maximum limit (Caesarean deliveries, legal abortion, miscarriage, haemorrhages…)
Treatment of premature babies	Covered up to annual maximum limit
Circumcision of new-born boys and ear piercing of new-born girls	Covered up to SAR 500 for circumcision and SAR 300 for ear piercing
Neonatal/ Newborn cover	Covered from Day 1 under the mother's policy up to 30 days
Pre-existing conditions & chronic diseases	Covered up to annual maximum limit
Hearing aids	Covered up to SAR 6,000
Treatment for damage to acquired heart valves	Covered up to 150,000 SAR
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule	Covered
Physiotherapy	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Alzheimer’s Disease	Covered up to SAR 15,000
Autism	Covered up to 50,000 SR only for medical needs
Congenital illness	Covered up to annual maximum limit
Dialysis	Covered up to SAR 100,000
Mental health acute psychiatric treatment	Covered up to SAR 15,000
Physiotherapy	Covered
Disability cases	Covered up to SAR 100,000
Treatment for damage to acquired heart valves	Not Covered
Artificial limbs	Covered up to annual maximum limit
Cost of obtaining/harvesting donor organ	Covered up to SAR 50,000
Local road ambulance for emergency cases only	Covered
Transportation of mortal remains to home country in case of death in KSA	Covered up to SAR 10,000
Life-threatening emergency treatment out of network in KSA	Covered up to 100% of actual cost up to the annual maximum limit
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance	Not Covered
Emergency evacuations through international SOS assistance	Covered
Emergency treatment outside the kingdom	SAR 50,000
Emergency treatment outside of network in KSA	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Subject to Reasonable and Customary charges
Physiotherapy	Not Covered
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Not Covered
Preventative tests	Not Covered
Inpatient pre-authorisation approval	Not Covered
Inpatient / day-case coverage	Not Covered
Outpatient pre-authorisation approval	Not Covered
Advanced imaging (MRI, CT, PET)	Not Covered
Cancer treatment	Not Covered
Emergency treatment at a healthcare provider outside the Bupa network	Not Covered
Healthline services	Not Covered
Local air ambulance for emergency cases only	Not Covered
Emergency medical treatment in the US	Not Covered
Mental health acute psychiatric treatment	Covered up to 15,000 SR for acute psychiatric that includes 5,000 SR for non-acute cases for (4) session with medication per insurance cover period
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Not Covered
Physiotherapy	Not Covered
Pre-existing conditions & chronic diseases	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases	Not Covered
Vaccinations and inoculations (up till age 6)	Not Covered
Vaccinations and inoculations (after age 6)	Not Covered
Coverage	Not Covered
Respiratory syncytial virus (RSV) prophylaxis	Respiratory syncytial virus (RSV) prophylaxis
New born screening hearing test	Covered for new born babies but after using auto acoustic emission (AOAE) test
New born congenital heart anomalies screening	Covered using pulse oximetry
Obesity	Covered up to 20,000 only for Sleeve gastrectomy if BMI > 45
Artificial Milk & milk products	Covered for new babies until 24 months if its medically needed
Isolation	Covered for infectious diseases

Overall annual maximum limit per member	SAR 500,000
Network of healthcare providers	NW1 Click Here
Accommodation	Shared room
Outpatient deductible	20% of net amount up to SAR 100 per incident
Deductible Rate	20%
Maximum Deductible (Hospital)	300 SAR
Maximum Deductible (Polyclinic)	75 SAR
Maximum Deductible (MPN)	75 SAR
Emergency treatment outside the kingdom	SAR 50,000
Maternity Cover with benefits	SAR 15,000 (normal, delivery, antenatal and postnatal cares)
Dental coverage	Starting from 2,000 SAR that includes a dental scaling once a year
Optical coverage	SAR 400
Seniors over 64-year-old annual limit	SAR 500,000
Inpatient / day-case coverage	Covered up to annual maximum limit
Companion charges	Covered
Outpatient coverage	Not Covered
Outpatient coverage	Not Covered
Inpatient deductible	None
Outpatient coverage	Covered up to annual maximum limit
Maternity complications (Caesarean deliveries, legal abortion, miscarriage, haemorrhages)	Covered up to annual maximum limit (Caesarean deliveries, legal abortion, miscarriage, haemorrhages…)
Treatment of premature babies	Covered up to annual maximum limit
Circumcision of new-born boys and ear piercing of new-born girls	Covered up to SAR 500 for circumcision and SAR 300 for ear piercing
Neonatal/ Newborn cover	Covered from Day 1 under the mother's policy up to 30 days
Pre-existing conditions & chronic diseases	Covered up to annual maximum limit
Hearing aids	Covered up to SAR 6,000
Treatment for damage to acquired heart valves	Covered up to 150,000 SAR
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Covered
Seasonal vaccination including mother and child care as per MOH program and schedule	Covered
Physiotherapy	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Alzheimer’s Disease	Covered up to SAR 15,000
Autism	Covered up to 50,000 SR only for medical needs
Congenital illness	Covered up to annual maximum limit
Dialysis	Covered up to SAR 100,000
Mental health acute psychiatric treatment	Covered up to SAR 15,000
Physiotherapy	Covered
Disability cases	Covered up to SAR 100,000
Treatment for damage to acquired heart valves	Not Covered
Artificial limbs	Covered up to annual maximum limit
Cost of obtaining/harvesting donor organ	Covered up to SAR 50,000
Local road ambulance for emergency cases only	Covered
Transportation of mortal remains to home country in case of death in KSA	Covered up to SAR 10,000
Life-threatening emergency treatment out of network in KSA	Covered up to 100% of actual cost up to the annual maximum limit
Physician’s fees within the network	Covered
Emergency treatment outside the kingdom through International SOS Assistance	Not Covered
Emergency evacuations through international SOS assistance	Not covered
Emergency treatment outside the kingdom	SAR 50,000
Emergency treatment outside of network in KSA	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Subject to Reasonable and Customary charges
Physiotherapy	Not Covered
Vaccination and inoculations as per the Ministry of Health (MOH) schedule	Not Covered
Preventative tests	Not Covered
Inpatient pre-authorisation approval	Not Covered
Inpatient / day-case coverage	Not Covered
Outpatient pre-authorisation approval	Not Covered
Advanced imaging (MRI, CT, PET)	Not Covered
Cancer treatment	Not Covered
Emergency treatment at a healthcare provider outside the Bupa network	Not Covered
Healthline services	Not Covered
Local air ambulance for emergency cases only	Not Covered
Emergency medical treatment in the US	Not Covered
Mental health acute psychiatric treatment	Covered up to 15,000 SR for acute psychiatric that includes 5,000 SR for non-acute cases for (4) session with medication per insurance cover period
Mental health non-acute psychiatric treatment	Not Covered
Elective (non-emergency) treatment outside of network in or outside KSA	Not Covered
Physiotherapy	Not Covered
Pre-existing conditions & chronic diseases	Not Covered
Cost of early screening for new-borns (National Program for Prevention of Disability)	Covered up to SAR 100,000
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Circumcision of new-born boys and ear piercing of new-born girls	Not Covered
Transplant of organ or bone marrow	Not Covered
Treatment for contagious or endemic diseases	Not Covered
Vaccinations and inoculations (up till age 6)	Not Covered
Vaccinations and inoculations (after age 6)	Not Covered
Coverage	Not Covered
Respiratory syncytial virus (RSV) prophylaxis	Covered according to the newly developed guidelines
New born screening hearing test	covered for new born babies but after using auto acoustic emission (AOAE) test
New born congenital heart anomalies screening	Covered using pulse oximetry
Obesity	Covered up to 20,000 only for Sleeve gastrectomy if BMI > 45
Artificial Milk & milk products	Covered for new babies until 24 months if its medically needed
Isolation	Covered for infectious diseases