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New beneficial Healthcare scheme for NRIs in Kuwait

Indian nationals in Kuwait can now benefit from new healthcare insurance program, which is being launched as part of the Silver Jubilee celebrations of the successful partnership between OICL and Al Mulla Group. They have launched a new OIC Medical Insurance Policy under the slogan Insuring a Better Future.

OICL, an Indian government initiative with annual premium exceeding KD2bn offers a range of insurance policies covering areas of health, engineering, marine, fire, vehicle and other sectors in Kuwait.

All legal residents in Kuwait and their dependants are eligible for insurance program. Even parents are covered, provided they are permanent residents in Kuwait. The maximum age limit for adults is 65 years, while for children the age range is from 14 days to 21 years.

The insurance program offers transferability which permits continued insurance cover on returning to India. The policy is not renewed automatically, and the customer has to renew it after a year. The customer can also change his premium on renewal. The medical check-up is compulsory if the person is over 50 years of age, or have adverse medical history.

The new program offers various healthcare coverage plans, with KD3,500 for silver scheme, KD5000 for Gold scheme, and KD10,000 for Platinum. The medical benefits are available under this program, and they are categorized into outpatients and inpatients.

The medical benefits under this program are categorized on the basis of medical treatment given to patients. In India only inpatients are covered as part of the service, while this program covers both inpatients and outpatients.

The noteworthy aspect of the program is that it has more than 4000 healthcare providers in India, and more than 40 in Kuwait. The benefits and value-added services of this particular program is specifically designed to meet the needs of the Indian Community in Kuwait. Discounts are offered on the premiums for family packages, to the tune of 50percent for wife and 25percent for each child up to maximum of two children for a floating sum.

The program can be transferred and continued even after the policy holder returns to India, making it an attractive program for NRIs in Kuwait overall.

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