Co-operative Group Health Insurance


  1. All employees.
  2. Spouses.
  3. Sons up-to 18 years of age.
  4. Unmarried / Divorced / widowed daughters.

Payment of Premium:

Employer policyholder pays the premium for the insured persons.  


Reimbursable Costs & Benefits:

Upon specific recommendation by a licensed physician, who treats the Insured for illness / symptoms the following are reimbursable: 

  • Consultation, diagnosis, treatment, and medication costs as per policy schedule.
  • Hospital expenses including surgeries, pre post-operative care / Day care.
  • Medically recommended treatment of teeth and gingival diseases.
  • Preventive measures specified by the Ministry of Health (e.g. vaccination, maternity and child care). 

Health Service Provider Network Direct Debit basis on Insurance Company’s Account:

  • Wafa to issue Health Insurance card to every Insured person.
  • Health service providers network accredited by CCHI to provide health services on monthly basis.
  • Wafa to notify policyholder / service providers on policy limits.
  • In the case of emergencies, Insured can get admitted and seek reimbursement.

Salient Features:

Maximum benefit limit (per person per year) SR. 250,000
Out Patient Clinic Treatment Charges:
As medically recommended.
20% subject to max of SR.100
Pregnancy and Delivery Maximum SR. 15,000 during Policy period
Premature Babies Upto maximum policy limit
Repatriation of mortal remains to country of origin SR.10,000 (Maximum)
Coverage Area Limit Inside and outside Kingdom of Saudi Arabia*


Insurance is subject to standard exclusions such as self-injury, cosmetic plastic surgery, HIV treatment, teeth implantation, congenital deformities (if not life threatening), birth control, baldness, etc.

Hospitals & Clinics List



To help us process your request, kindly send the filled and signed Application to

Fax: 920005444 Ext: 444 Or scan it to Customer Care Email: