Insurance Claim Process for Family Visit Visa Holders in Saudi Arabia
When family members visit Saudi Arabia on a family visit visa, obtaining health insurance from their home country is essential. Below outlines a user’s experience with hospital expenses for a family visit visa holder and the insurance claim process.
Conditions for Insurance Claim
To claim medical insurance for a family visit visa holder, ensure the following conditions are met:
- Verify the validity of the visit visa insurance.
- The case should be an emergency, such as a heart attack.
- Submit the claim within 24 hours of admission.
- Attempt to seek treatment at a government hospital before opting for a private hospital.
Government vs. Private Hospitals
During a medical emergency, prioritize taking the patient to the nearest government hospital. Government hospitals handle emergency cases efficiently without upfront payment and possess expertise in insurance bill processing.
If accessing a government hospital isn’t feasible, private hospitals can provide treatment.
Upfront Payment
Many private hospitals may not be familiar with the insurance claim process, leading to refusal of patients. Consequently, an upfront deposit may be necessary to cover medical expenses if the insurance claim is rejected.
Contacting the Insurance Company
Upon hospital admission, urge the hospital management to contact the insurance company and file a claim promptly. Information about the insurance company can be obtained through a provided link.
Submit the initial claim within 24 hours of admission.
Complaint to Council of Health Insurance (CHI)
If the insurance company shows reluctance in approving the claim, file a complaint with the Council of Health Insurance immediately. Filing a complaint can be done through the provided link for family visit visa holders.
Billing Process
Maintain regular communication with the hospital to ensure continuous billing to the insurance company. Failure to do so may result in additional deposits or refusal to refund the initial deposit.
Verify that all treatment expenses approved by the insurance company. Any rejections should be re-applied with proper justification, and no cash payments should be made.
Guarantee Recovery
Once the insurance company settles the medical expenses claim, the initial deposit paid to the hospital can be recovered in full.
The total bill amounted to SR 40,000, which was entirely covered by the insurance company.