Health Insurance Agreement Template for Saudi Arabia

1. International Coverage: Terms for coverage outside Saudi Arabia, used when international coverage is requested

2. Group Policy Provisions: Specific terms for group insurance policies, included when the policy covers multiple individuals

3. Pre-existing Conditions: Special terms regarding pre-existing conditions, included when relevant to the specific policy

4. Maternity Coverage: Specific terms for maternity coverage, included when this coverage is part of the policy

5. Chronic Disease Management: Special provisions for chronic disease coverage and management programs

6. Network Providers: Terms specific to using in-network healthcare providers, included when the insurer has a specific network

7. Premium Adjustment: Terms for premium adjustments based on claims history or risk factors, included for certain policy types

1. Schedule A - Benefits Table: Detailed breakdown of coverage limits, deductibles, and co-payments for different types of medical services

2. Schedule B - Network Providers: List of approved healthcare providers and facilities within the insurance network

3. Schedule C - Premium Schedule: Detailed premium calculations and payment schedule

4. Schedule D - Excluded Treatments: Comprehensive list of excluded medical treatments and procedures

5. Schedule E - Claims Documentation: List of required documents and forms for claims processing

6. Appendix 1 - Pre-approval Procedures: List of treatments requiring pre-approval and the approval process

7. Appendix 2 - Emergency Procedures: Procedures for emergency treatment and coverage

8. Appendix 3 - Complaint Procedures: Detailed procedures for filing and handling complaints as per CCHI requirements