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International Health Plan

Bupa Arabia’s ‘International Health Plan’ is our exclusive private health insurance scheme that caters to the healthcare needs of business executives living and/ or working in Saudi Arabia. With worldwide coverage*, members are always looked after, no matter how far their business and leisure trips might take them. Our global reach provides your executives access to the world’s largest healthcare provider network in 190 countries around the world.

Corporate

Corporate Superior

  • Overall annual maximum limit per member (in SR)
  • Customisable from SAR 500,000 / USD 133,000 up to SAR 37,500,500 / USD 10,000,000 million.
  • Customisable from SAR 500,000 / USD 133,000 up to SAR 37,500,500 / USD 10,000,000 million.
  • Coverage
  • hospitals
  • hospitals
  • hospitals
  • hospitals
  • Hearing Aids
  • Minimum: We pay up to SAR 6,000 / USD 1,700 each insurance period. Maximum: Paid in full up to the annual maximum limit.
  • Minimum: We pay up to SAR 6,000 / USD 1,700 each insurance period. Maximum: Paid in full up to the annual maximum limit.
  • Congenital Illness
  • Up to annual maximum limit
  • Up to annual maximum limit
  • Dialysis
  • Customisable from SAR 100,000 / USD 26,666 up to annual maximum limit
  • Customisable from SAR 100,000 / USD 26,666 up to annual maximum limit
  • Rehabilitation (physiotherapy)
  • Rehabilitation and physiotherapy: up to annual maximum limit
  • Rehabilitation and physiotherapy: up to annual maximum limit
  • Emergency Treatment Network
  • Up to annual maximum limit, inside and outside KSA
  • Up to annual maximum limit, inside and outside KSA
  • Healthline Services
  • Included
  • Included
  • Neonatal cover
  • Inside KSA: Covered from Day 1. Outside KSA: Minimum: Not covered. Maximum: up to 7 days following birth for routine care and up to SAR 560,000 / USD 150,000 for non-routine care.
  • Inside KSA: Covered from Day 1. Outside KSA: Minimum: Not covered. Maximum: up to 7 days following birth for routine care and up to SAR 560,000 / USD 150,000 for non-routine care.
  • OP Deductible
  • Inside KSA: Choice between 20% of net amount up to SAR 100 per visit and nil. Outside KSA: Choice between up to SAR 100 per visit and nil.
  • Inside KSA: Choice between 20% of net amount up to SAR 100 per visit and nil. Outside KSA: Choice between up to SAR 100 per visit and nil.
  • VI Ministry Health
  • -
  • -
  • Accommodation
  • Inside KSA: Choice between shared room and standard suite. Outside KSA: Single room.
  • Inside KSA: Choice between shared room and standard suite. Outside KSA: Single room.
  • International emergency treatment
  • -
  • -
  • Maternity cover with benefits
  • Customisable from SAR 15,000 / USD 4,000 up to annual maximum limit
  • Customisable from SAR 15,000 / USD 4,000 up to annual maximum limit
  • Dental coverage
  • Customisable from SAR 2,000 / USD 533 up to annual maximum limit
  • Customisable from SAR 2,000 / USD 533 up to annual maximum limit
  • Optical coverage
  • Customisable from SAR 400 / USD 110 up to annual maximum limit
  • Customisable from SAR 400 / USD 110 up to annual maximum limit
  • Seniors over 64-year old annual limit
  • -
  • -
  • In-patient / day-case coverage
  • Up to annual maximum limit
  • Up to annual maximum limit
  • Companion charges
  • Covered
  • Covered
  • In-patient deductible
  • NIL
  • NIL
  • Out-patient coverage
  • Minimum: Covered with limits per visit: GP – SAR 50 / USD 14. Specialist – SAR 100 to 200 / USD 25 to 50. Consultant – SAR 300 / USD 80. Other rare Specialists – SAR 500 / USD 130. Maximum: Paid in full up to annual maximum limit.
  • Minimum: Covered with limits per visit: GP – SAR 50 / USD 14. Specialist – SAR 100 to 200 / USD 25 to 50. Consultant – SAR 300 / USD 80. Other rare Specialists – SAR 500 / USD 130. Maximum: Paid in full up to annual maximum limit.
  • Preventative Test
  • Customisable from not covering it or up to SAR 7,500 / USD 2,000
  • Customisable from not covering it or up to SAR 7,500 / USD 2,000
  • Treatment of premature babies
  • Inside KSA: Up to annual maximum limit. Outside KSA: minimum not covered. Maximum: new-born care benefit, see above.
  • Inside KSA: Up to annual maximum limit. Outside KSA: minimum not covered. Maximum: new-born care benefit, see above.
  • Circumcision of new-born boys and ear piercing of new-born girls
  • Minimum: We pay up to SAR 500/ USD 140 for circumcision and up to SAR 300/ USD 80 for ear piercing each insurance period. Maximum: Paid in full up to annual maximum limit.
  • Minimum: We pay up to SAR 500/ USD 140 for circumcision and up to SAR 300/ USD 80 for ear piercing each insurance period. Maximum: Paid in full up to annual maximum limit.
  • Pre-existing conditions and chronic disease
  • -
  • -
  • Treatment for acquired heart valves diseases
  • -
  • -
  • Seasonal vaccination including mother and child care as per the Ministry of Health (MOH) programme and schedule
  • -
  • -
  • Physiotherapy when medically needed
  • -
  • -
  • Cost of early screening for new-borns (National Program for Prevention of Disability)
  • Inside KSA: Minimum up to SAR 100,000 / USD 27,000. Maximum: up to annual maximum limit. Outside KSA: Minimum: not covered. Maximum: up to annual maximum limit.
  • Inside KSA: Minimum up to SAR 100,000 / USD 27,000. Maximum: up to annual maximum limit. Outside KSA: Minimum: not covered. Maximum: up to annual maximum limit.
  • Alzheimer’s Disease
  • Up to SAR 15,000 / USD 4,000
  • Up to SAR 15,000 / USD 4,000
  • Autism
  • Up to SAR 15,000 / USD 4,000
  • Up to SAR 15,000 / USD 4,000
  • Acute psychiatric
  • -
  • -
  • Disability cases
  • Minimum: We pay up to SAR 100,000 / USD 27,000 each insurance period. Maximum: Paid in full up to annual maximum limit.
  • Minimum: We pay up to SAR 100,000 / USD 27,000 each insurance period. Maximum: Paid in full up to annual maximum limit.
  • Treatment for damage to acquired heart valves
  • Minimum: We pay up to SAR 70,000 / USD 18,920 each insurance period. Maximum: Paid in full up to annual maximum limit.
  • Minimum: We pay up to SAR 70,000 / USD 18,920 each insurance period. Maximum: Paid in full up to annual maximum limit.
  • Artificial limbs
  • Up to annual maximum limit
  • Up to annual maximum limit
  • Cost of obtaining harvesting donor organs
  • Up to SAR 50,000 / USD 13,333
  • Up to SAR 50,000 / USD 13,333
  • Local road ambulance for emergency cases only
  • Minimum: Not covered. Maximum: Paid in full up to annual maximum limit
  • Minimum: Not covered. Maximum: Paid in full up to annual maximum limit
  • Transportation of mortal remains to home country in case of death in KSA
  • Minimum: We pay up to SAR 10,000 / USD 2,666 each insurance period. Maximum: Paid in full up to annual maximum limit.
  • Minimum: We pay up to SAR 10,000 / USD 2,666 each insurance period. Maximum: Paid in full up to annual maximum limit.
  • life threating emergency treatment out of network in KSA
  • -
  • -
  • Physicians fees within the network
  • -
  • -
  • Emergency evacuation through international SOS assistance
  • -
  • -
  • Elective (non-emergency) treatment out of network in or out of KSA
  • Inside KSA: Minimum: Not covered. Maximum: based on 100% of customary prices of Network hospitals in Network level NW7. Outside KSA: Subject to Reasonable and Customary charges.
  • Inside KSA: Minimum: Not covered. Maximum: based on 100% of customary prices of Network hospitals in Network level NW7. Outside KSA: Subject to Reasonable and Customary charges.
  • inpatient pre authorization approval
  • As per standard protocol
  • As per standard protocol
  • out patient pre authorization approval
  • As per standard protocol
  • As per standard protocol
  • Advanced Imaging (MRI, CT, PET)
  • Up to annual maximum limit
  • Up to annual maximum limit
  • Cancer treatment
  • Up to annual maximum limit
  • Up to annual maximum limit
  • Local air ambulance for emergency cases only
  • Minimum: Not covered. Maximum: Paid in full up to annual maximum limit
  • Minimum: Not covered. Maximum: Paid in full up to annual maximum limit
  • Maternity complications (Caesarean deliveries, legal abortion, miscarriage, hemorrhages …)
  • Up to annual maximum limit <br>
  • Up to annual maximum limit <br>
  • Neonatal newborn cover
  • Inside KSA: Covered from Day 1. Outside KSA: Minimum: Not covered. Maximum: up to 7 days following birth for routine care and up to SAR 560,000 / USD 150,000 for non-routine care.
  • Inside KSA: Covered from Day 1. Outside KSA: Minimum: Not covered. Maximum: up to 7 days following birth for routine care and up to SAR 560,000 / USD 150,000 for non-routine care.
  • Mental health conditions (acute psychiatric treatment)
  • Minimum: We pay up to SAR 15,000 / USD 4,000 each insurance period. Maximum: We pay up to SAR 15,000 / USD 4,000 each insurance period.
  • Minimum: We pay up to SAR 15,000 / USD 4,000 each insurance period. Maximum: We pay up to SAR 15,000 / USD 4,000 each insurance period.
  • Non-emergency (elective) treatment outside the Bupa network
  • -
  • -
  • Physiotherapy when medically necessary
  • When medically necessary: Minimum: Paid in full up to annual maximum limit (out-patient co-payment applies). Maximum: Paid in full up to annual maximum limit.
  • When medically necessary: Minimum: Paid in full up to annual maximum limit (out-patient co-payment applies). Maximum: Paid in full up to annual maximum limit.
  • Preventive tests
  • Minimum: Not covered. Maximum: We pay up to SAR 7,500 / USD 2,000 each insurance period.
  • Minimum: Not covered. Maximum: We pay up to SAR 7,500 / USD 2,000 each insurance period.
  • Circumcision of new born boys
  • -
  • -
  • Ear piercing of new born girls
  • -
  • -
  • transplant of organ or born marrow
  • Minimum: Not covered. Maximum: Paid in full up to annual maximum limit.
  • Minimum: Not covered. Maximum: Paid in full up to annual maximum limit.
  • Treatment for contagious or endemic diseases
  • Covered
  • Covered
  • Vaccinations and inoculations (up till age 6)
  • Inside KSA: Covered. Outside KSA: Up to SAR 11,250 / USD 3,000.
  • Inside KSA: Covered. Outside KSA: Up to SAR 11,250 / USD 3,000.
  • Vaccinations and inoculations (after age 6)
  • Minimum: not covered. Maximum: up to SAR 7,500 / USD 2,000.
  • Minimum: not covered. Maximum: up to SAR 7,500 / USD 2,000.
  • MOH vaccines
  • Physiotherapy
  • -
  • -
  • Emergency medical treatment in the US
  • Minimum: Not covered. Maximum: up to SAR 187,500/ USD 50,000.
  • Minimum: Not covered. Maximum: up to SAR 187,500/ USD 50,000.
  • In patient day case treatment
  • -
  • -
  • Emergency treatment outside of network in KSA
  • -
  • -
See more comparison

Gold

Gold Superior

  • Network
  • Inside KSA: NW7 Outside KSA: Access to over 800,500 medical facilities around the world.
  • Inside KSA: NW7 Outside KSA: Access to over 800,500 medical facilities around the world.
  • Annual Limit
  • SAR 7,500,000 USD 2,000,000
  • SAR 37,500,000 USD 10,000,000
  • Pre-authorization Approval Protocol
  • No Pre-authorization required except for the services with sub-limits such as Dental, optical, maternity…etc. (All in-patient and day-case treatment; cancer treatment; MRI, CT or PET scans; Emergency in-patient treatment (within 48 hours of hospitalization)
  • Inpatient
  • Length of in-patient and day-case stays: The pre-authorization will specify an approved length of stay for in-patient and day-case treatment. This is the number of days in hospital that will be covered. If the treatment will take longer than this approved length of stay, then you or your consultant must contact Bupa for an extension to the pre-authorization.
  • Length of in-patient and day-case stays: The pre-authorization will specify an approved length of stay for in-patient and day-case treatment. This is the number of days in hospital that will be covered. If the treatment will take longer than this approved length of stay, then you or your consultant must contact Bupa for an extension to the pre-authorization.
  • Room Type
  • Standard Suite
  • Standard Suite
  • Companion Charges (When medically necessary)
  • Inpatient Co-pay
  • NIL
  • NIL
  • Outpatient
  • Outpatient Co-pay
  • 20% up to: ● Hospitals: SAR 100 ● Polyclinics & MPN: SAR 75
  • NIL
  • Medication Co-pay
  • ● Generic Medication or Branded Medication: 20% up to SAR 30
  • NIL
  • Coverage
  • hospitals
  • hospitals
  • hospitals
  • hospitals
  • Pregnancy & Childbirth
  • SAR 45,000 USD 12,000
  • SAR 61,000 USD 16,300
  • Pregnancy & Childbirth-related Complications
  • Premature Children’s Treatment
  • Inside KSA: Paid in full up to the annual maximum limit from birth while the mother is still confined after delivery. Outside KSA: We pay for routine care for the baby for up to 7 days following birth from the mother’s maternity benefit. For any non-routine care, NEWBORN CARE BENEFIT applies - We pay up to SAR 560,000 / USD 150,000. This is paid instead of any other benefit for all treatment required by a newborn child during the first 90 days following birth. Children must be enrolled under the plan before you can claim for this benefit.
  • Inside KSA: Paid in full up to the annual maximum limit from birth while the mother is still confined after delivery. Outside KSA: We pay for routine care for the baby for up to 7 days following birth from the mother’s maternity benefit. For any non-routine care, NEWBORN CARE BENEFIT applies - We pay up to SAR 560,000 / USD 150,000. This is paid instead of any other benefit for all treatment required by a newborn child during the first 90 days following birth. Children must be enrolled under the plan before you can claim for this benefit.
  • Circumcision
  • Inside KSA: Covered up to a maximum of SAR 500 Outside KSA: Not Covered
  • Inside KSA: Covered up to a maximum of SAR 500 Outside KSA: Not Covered
  • Neonatal
  • Inside KSA: Full coverage from the birth date but the newborn child must be enrolled under the plan with a separate membership from the mother. Paid in full up to the annual maximum limit from birth while the mother is still confined after delivery Outside KSA: We pay for routine care for the baby for up to 7 days following birth from the mother’s maternity benefit. For any non-routine care, NEWBORN CARE BENEFIT applies - We pay up to SAR 560,000 / USD 150,000. This is paid instead of any other benefit for all treatment required by a newborn child during the first 90 days following birth. Children must be enrolled under the plan before you can claim for this benefit.
  • Inside KSA: Full coverage from the birth date but the newborn child must be enrolled under the plan with a separate membership from the mother. Paid in full up to the annual maximum limit from birth while the mother is still confined after delivery Outside KSA: We pay for routine care for the baby for up to 7 days following birth from the mother’s maternity benefit. For any non-routine care, NEWBORN CARE BENEFIT applies - We pay up to SAR 560,000 / USD 150,000. This is paid instead of any other benefit for all treatment required by a newborn child during the first 90 days following birth. Children must be enrolled under the plan before you can claim for this benefit.
  • Newborn Early Testing
  • Inside KSA: Covered up to SAR 100,000/ USD 27,000 during the policy period Outside KSA: Not covered
  • Inside KSA: Covered up to SAR 100,000/ USD 27,000 during the policy period Outside KSA: Not covered
  • Dental Treatment
  • ● Preventative Treatment: SAR 6,750 (No /co-pay) ● Emergency Treatment: SAR 4,500 (20% co-pay)
  • ● Preventative Treatment: SAR 9,000 (No /co-pay) ● Emergency Treatment: SAR 6,000 (20% co-pay)
  • Optical
  • SAR 800 USD 213 (For all beneficiaries)
  • SAR 1,000 USD 266 (For all beneficiaries)
  • Optical Treatment
  • SAR 375 USD 100 (For all beneficiaries)
  • SAR 600 USD 160 (For all beneficiaries)
  • Pre-existing Conditions & Chronic Diseases
  • Hearing Aids
  • SAR 10,000 USD 2,666
  • SAR 10,000 USD 2,666
  • Vaccination & Inoculations
  • Young Child Care (6+ years)
  • Inside the KSA: Paid in full up to the annual maximum limit Outside the KSA: Covered up to SAR 6,375/ USD 1,700 each insurance period. This benefit will apply from 91 days following birth when NEWBORN CARE benefit has ceased. Child vaccination outside KSA: Covered up to SAR 3,750/USD 1,000 each insurance period (Approved by WHO)
  • Inside the KSA: Paid in full up to the annual maximum limit Outside the KSA: Covered up to SAR 6,375/ USD 1,700 each insurance period. This benefit will apply from 91 days following birth when NEWBORN CARE benefit has ceased. Child vaccination outside KSA: Covered up to SAR 3,750/USD 1,000 each insurance period (Approved by WHO)
  • Physiotherapy (When medically necessary)
  • Congenital Illness
  • Dialysis
  • Psychiatric Treatment
  • SAR 50,000 USD 13,333
  • SAR 50,000 USD 13,333
  • Rehabilitation (physiotherapy)
  • Disability
  • Obesity Treatment
  • ● Covered up to SR 15,000 per insurance cover period, with 20% co-pay up to SAR 1,000. (Coverage is subject to the BMI mentioned as per (Bariatric Surgery Bundle) from the unified CHI policy
  • ● Covered up to SR 15,000 per insurance cover period, with 20% co-pay up to SAR 1,000. (Coverage is subject to the BMI mentioned as per (Bariatric Surgery Bundle) from the unified CHI policy
  • Acquired Heart Valve Diseases
  • Alzheimer’s Treatment
  • SAR 15,000
  • SAR 15,000
  • Autism Treatment
  • SAR 50,000
  • SAR 50,000
  • Donor Part Collection
  • SAR 50,000 USD 13,333
  • SAR 50,000 USD 13,333
  • Transportation of the Deceased Beneficiary’s Body
  • SAR 10,000
  • SAR 10,000
  • Consulting an In-Network Doctor
  • Maximum Physician's Fees within the Network
  • ● General Practitioner/ specialist (First Registrar Doctor): 100 - 150 SAR ● Specialist (Second Registrar Doctor)/ Consultant: 200 - 300 SAR ● Specializations with scarcity and the like: (Such as cardiology, neurosurgery, vascular surgery and subspecialties according to the standards of the Saudi Commission for Health Specialties) 400 SAR
  • ● General Practitioner/ specialist (First Registrar Doctor): 100 - 150 SAR ● Specialist (Second Registrar Doctor)/ Consultant: 200 - 300 SAR ● Specializations with scarcity and the like: (Such as cardiology, neurosurgery, vascular surgery and subspecialties according to the standards of the Saudi Commission for Health Specialties) 400 SAR
  • Family Planning
  • SAR 1,500
  • SAR 1,500
  • Menopausal & Perimenopausal
  • Sexually Transmitted Diseases
  • Comprehensive Diabetic Program
  • Preventive Screenings
  • Organ/ Bone Marrow Transplant
  • Vision Correction
  • Knee/ Hip Replacement
  • Emergency Treatment
  • Inside the KSA: 100% of costs covered up to annual maximum limit (settlement of costs by reimbursement after treatment). Outside the KSA: 100% of costs covered up to annual maximum limit. You must notify Bupa Arabia/Bupa Global within 48 hours of hospitalization.
  • Inside the KSA: 100% of costs covered up to annual maximum limit (settlement of costs by reimbursement after treatment). Outside the KSA: 100% of costs covered up to annual maximum limit. You must notify Bupa Arabia/Bupa Global within 48 hours of hospitalization.
  • Emergency Medical Treatment (Unplanned) in the USA
  • SAR 187,500 USD 50,000
  • SAR 187,500 USD 50,000
  • Local Ambulance
  • Local Air Ambulance
  • SAR 37,500 USD 10,000
  • SAR 37,500 USD 10,000
  • Non-Emergency (Elective) Treatment
  • Inside the KSA: Based on 100% of customary prices of Network hospitals in Network level NW7 Outside the KSA: Reasonable and customary costs, meaning the costs charged should not be more than would normally be charged and are representative of charges for the same treatment in the same area
  • Inside the KSA: Based on 100% of customary prices of Network hospitals in Network level NW7 Outside the KSA: Reasonable and customary costs, meaning the costs charged should not be more than would normally be charged and are representative of charges for the same treatment in the same area
  • Medical Devices
  • Birth Defects
See more comparison

FAQ

Looking For Answers?

  • How can I benefit from the Tebtom program?

    You can benefit from the program by calling our toll-free number at 8004404040, and we will provide you with the most suitable service to cater to your healthcare needs.

  • What is the Tebtom Program?

    It is a set of unique healthcare services that transcend regular healthcare coverage; to help you and your family get the most out of your daily lives.

  • I need a Bupa doctor to visit me for a home consultation, is that possible?

    Bupa Doctors do not perform any home consultations. However, you can benefit from healthcare services through Tebtom’s ‘Bupa Doctor’ service by calling our toll-free number at 8004404040 or visit member.bupa.com.sa

  • Can I schedule a checkup through Tebtom?

    The Tebtom Program does not offer checkup visits. However, we provide services such as Home-based Labs and medication refill/delivery for members with chronic conditions.

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