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8003010030
Table of Benefits:
The attached table of benefit applicable to your
plan shows the maximum benefits we will pay for
each member.
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Coverage: Chronic Condition:
The amount and extent of risk covered by Saudi A medical condition or episode of ill health which
Enaya. persists for a long period.
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Co-Insurance: Maternity:
Your plan may include a Co-Insurance payment • Maternity benefits are automatically provided for
which is the amount that is required to be paid to all eligible females and covers the cost of
the provider when you are being treated for an pregnancy, normal deliver y, caesarean section
applicable out-patient service. This will be and maternity complications including legal
specified on your membership card as a abortion and miscarriage. (Please refer to the
percentage % of the treatment cost with a enclosed Table of Benefits)
maximum limit of SAR100. • The cost of ear piercing for new born girls and
circumcision for newborn boys is also covered
In-patient Treatment: under this benefit.
The In-patient benefit covers all eligible • Maternity coverage is specified on your
treatments, procedures and services other than membership card with a sign indicating your
those listed in the Standard Exclusions. coverage. “Y” means maternity is covered and “N”
means maternity is not covered.
Room Type:
Depending on your level of coverage, your Dental:
hospital room will be specified on your Dental benefits cover the cost of consultation,
membership card as a normal suite, private room, x-rays, normal and surgical extractions, root canal
semi-private room or shared room. treatment, amalgam/composite filling, gum
treatment and prescribed medicines.
Companion Cover:
If you have a dependent child that is under the Optical:
age of 12 or if medically necessary as assessed by The optical benefit includes consultation, vision
the attending Physician, Saudi Enaya will pay for a tests and prescription glasses, including frames.
companion to accompany the child during the
hospital stay.
4
Programs for every family
Saudi Enaya offers a variety of medical insurance programs that are each compliant with the requirements
mandated by the CCHI.
The programs vary in the levels of access to health care providers locally or internationally, room type and
benefit limits. Saudi Enaya additionally offers special coverage programs such as Lasik Surgery, pediatric or
Congenital Disorder based on the specific needs of each customer.
Member Name Member Name Member Name Member Name Member Name
Company Name Company Name Company Name Company Name Company Name
Membership No.: 500000 Policy No.: 1000 Membership No.: 500000 Policy No.: 1000 Membership No.: 500000 Policy No.: 1000 Membership No.: 500000 Policy No.: 1000 Membership No.: 500000 Policy No.: 1000
ID No.: 1234567891 Class: VIP ID No.: 1234567891 Class: A ID No.: 1234567891 Class: B ID No.: 1234567891 Class: C ID No.: 1234567891 Class: CL
Age: 30 Pre-Approval Above: SR 1000 Age: 30 Pre-Approval Above: SR 1000 Age: 30 Pre-Approval Above: SR 1000 Age: 30 Pre-Approval Above: SR 1000 Age: 30 Pre-Approval Above: SR 1000
Gender: M Co-Pay OPD: 20% max up to SR 100 Gender: M Co-Pay OPD: 20% max up to SR 100 Gender: M Co-Pay OPD: 20% max up to SR 100 Gender: M Co-Pay OPD: 20% max up to SR 100 Gender: M Co-Pay OPD: 20% max up to SR 100
100 Expiry Date: 01/01/2018 100 Expiry Date: 01/01/2018 100 Expiry Date: 01/01/2018 100 Expiry Date: 01/01/2018 100 Expiry Date: 01/01/2018
Network: 1 Maternity: N Network: 3 Maternity: N Network: 5 Maternity: N Network: 7 Maternity: N Network: 9 Maternity: N
6
The Diamond Program
• Annual aggregate limit up to 1 million SAR
• Members will have access to top hospitals and medical centers of the
service network. Two service networks available for customers to
choose (Network 1 & 2)
• Standard Suite or Royal Suite
• Determining the percentage of copayment according to the
available options or health council
- Deductible / endurance / copayment (outside clinics) of standard
minimum required network is 20% maximum up to 75 riyals
- Deductible / endurance / copayment (outpatient clinics) for
hospitals outside the standard minimum required network is 20%
The Diamond Program provides exceptional services and as a maximum up to 300 SR
features that meet the requirement of our valued customers. - Deductible / endurance / copayment (outpatient clinics) for the
Different options to consider starting from network of services rest of the providers of outside standard minimum required
providers to adding exceptional coverage to choose from. network is 20% maximum up to 100 SR
Diamond program goes beyond the minimum requirements of • Dental coverage is up to 10,000 SAR with the possibility of adding
CCHI and includes the following: braces and fixtures
• Optical coverage is up to 2000 Saudi riyals
• Pregnancy and birth is up to 30,000 SAR
• Global emergency evacuation program through Assist America
• International direct billing
• Home country treatment for foreigner members live in KSA
• 2 international network to choose
- Worldwide 1: international network includes USA & Europe
- Worldwide 2: international network without USA & Europe
• The option to have Medical tourism as part of the international
treatment plan
• Additional coverage can be adding such as Lasik Surgery, pediatric or
Congenital Disorder
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The Gold Program
• Annual aggregate limit up to 750,000 SAR
• Members will have access to top hospitals and medical centers of the
service network. Two service networks available for customers to
choose (Network 3 & 4)
• Private Room
• Determining the percentage of copayment according to the
available options or CCHI
- Deductible / endurance / copayment (outside clinics) of standard minimum
required network is 20% maximum up to 75 riyals
- Deductible / endurance / copayment (outpatient clinics) for hospitals
The Gold Program provides high benefits and features to match outside the standard minimum required network is 20% as a maximum up
to 300 SR
customers’ needs. Members will enjoy the benefit of international - Deductible / endurance / copayment (outpatient clinics) for the rest of the
network as well as the different amount offered to choose from providers of outside standard minimum required network is 20% maximum
based on customers’ demand. Gold program offers more than up to 100 SR
CCHI standard and includes the following benefits: • Dental coverage is up to 10,000 SAR with the possibility of adding
braces and fixtures
• Optical coverage is up to 2000 SAR
• Pregnancy and birth is up to 30,000 SAR
• Global emergency evacuation program through Assist America
• International direct billing
• Home country treatment for foreigner members live in KSA
• 2 international network to choose
- Worldwide 1: international network includes USA & Europe
- Worldwide 2: international network without USA & Europe
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The Silver Program
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The Bronze Program
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The Classic Program
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Table of Beneftis
Class Diamond Gold Silver Bronze Classic
Network 1 or 2 3 or 4 5 or 6 7 or 8 9 or 10
From From
500,000 SAR 500,000 SAR
Maximum Annual Limit up to up to
500,000 SAR 500,000 SAR 500,000 SAR
1,000.000 SAR 1,000.000 SAR
For hospitals outside the standard minimum required network is zero up to 20% maximum up to 300 SAR
Out-patient coinsurance For clinics outside the standard minimum required network is zero up to 20% maximum up to 100 SAR
Within the standard minimum required network is zero up to 20% maximum up to 75 SAR
Dental Benefit (Annual limit): From 2000 SAR From 2000 SAR
• Consultation • Root canal treatment up to 10,000 SAR up to 10,000 SAR From 2,000 SAR From 2,000 SAR
• X-Ray • Gum treatment possibility to add possibility to add
2,000 SAR
up to 5,000 SAR up to 3,000 SAR
• Extraction of natural tooth • Comprehensive cleaning teeth braces, fixtures, braces, fixtures,
once during the contractual year and bridge and bridge
• Amalgam & composite fillings
Maternity limit covers: Covered from Covered from Covered up to Covered up to Covered up to
• Pregnancy 15,000 SAR 15,000 SAR the maximum the maximum the maximum
• Normal delivery up to 30,000 SAR up to 30,000 SAR limit 15,000 SAR limit 15,000 SAR limit 15,000 SAR
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Class Diamond Gold Silver Bronze Classic
Network 1 or 2 3 or 4 5 or 6 7 or 8 9 or 10
Cost of circumcision cases for newborn boys Maximum up to SR 500 and SR 300 sequent during the term of the policy
and ear piercing for newborn girls
pregnancy and childbirth complications Covered up to annual aggregate limit
Premature Babies Covered up to the annual aggregate limit, if maternity benefit is covered
Daily accommodation& supplies limit for Shared room maximum up to SAR 150 / Day.
the companion
Life threatening Congenital cases Covered up to Annual Aggregate Limit
Acute Psychiatric Cases Costs Maximum up to SAR 15,000 during the term of the policy
Medical hearing Aids Costs Maximum up to SR 6,000 during the term of the policy
Costs in cases of acquired heart valve damage Maximum up to SR 70,000 during the term of the policy
Costs of organ donation operation (The donor) Maximum up to SR 50,000 during the term of the policy
Alzheimer's patient costs Maximum up to SR 15,000 during the term of the policy
Autism cases costs Maximum up to SR 15,000 during the term of the policy
Costs of national program of early examination Maximum up to SR 100,000 during the term of the policy
for newborn to reduce disability
Disability cases costs Maximum up to SR 100,000 during the term of the policy
Repatriation of the remains of the deceased Maximum up to SAR 10,000 during the term of the policy
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Class Diamond Gold Silver Bronze Classic
Network 1 or 2 3 or 4 5 or 6 7 or 8 9 or 10
• Emergency Treatments outside KSA will be covered 100% on Reimbursement Basis as per claims incurred for
Diamond and Gold classes, and Emergency Treatments outside KSA will be covered on Reimbursement Bases for Silver
class, subject to reasonable & customary charges of similar medical procedure, treatment and medication at the
appointed network providers in KSA, however Claims incurred outside KSA will not be covered for Bronze and Classic classes
Coverage Outside KSA
• Elective treatment outside KSA will be covered 100% for Diamond and Gold classes, and 80% for Silver class on
Reimbursement Basis subject to reasonable & customary charges of similar medical procedure, treatment and
medication at the appointed network providers in KSA, and subject otherwise to Pre-Authorization from Saudi Enaya.
However, Claims incurred Outside KSA is not covered for Bronze and Classic Classes Product.
Emergency Treatment outside Network will be covered 100% on Reimbursement Basis as per incurred.
Elective treatment outside Network will be covered 80% for Diamond, Gold and Silver classes, subject to reasonable &
Coverage Outside Network (In KSA) customary charges of similar medical procedure, treatment and medication at the appointed network providers in
KSA, and subject otherwise to Pre-Authorization from Saudi Enaya.
Rare specialties such as cardiac, neurology and blood vessel surgeries, and complicated specialties: SAR 500
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Class Diamond Gold Silver Bronze Classic
Treatment of acute and non-acute SR 15,000 for a maximum of acute psychological cases during the period of the policy and
psychological conditions includes (SR) 5,000 for acute psychological cases of (4) sessions with medicines during the term of
the policy
Covered
A. less than one year:
Costs of coverage of the RSV immuniza- - The child born less than (29) weeks gestation.
tion program for children according to - Premature child suffering from chronic lung disease.
the Ministry of Health Supplementary - Child suffering from congenital heart disease.
Respiratory Infections Table (6) B. Less than 2 years:
- A child who suffers from pneumonia or the nervous
system and can not get rid of phlegm.
Treatment of Psoriasis
(Will not cover any cosmetics (moisturiz- Covered
ing creams)
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Services
Saudi Enaya customers are an extension of our family. We put their needs at the heart of everything we do and every decision
we make. The priority is to be there for them whenever they require assistance, clarifications or support. At Saudi Enaya we
constantly strive to better understand the specific needs of each of our customers; this knowledge and insight allows us to
better service their requirements and fulfill their aspirations.
MEMBER CARE
Caring is part of our name “Enaya”. Our members benefit from the support and services we deliver to them 365 days a year
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Member assistance around the clock (24/ 7):
Customer Service contact details are easy to locate on membership cards, on our website and on all our collateral. Our
professional and bilingual staff is always available and ready to support with:
• Guidance and assistance with the selection of providers
• Information regarding health care benefits
• Coordination of emergency assistance
• Response to all inquiries
SMS Services:
Our instant messaging service means that our members receive timely texts for topics that include:
• Pre-Authorization requests received by Saudi Enaya
• Saudi Enaya response to the preauthorization request
• Updates the latest information
Saudi Enaya guarantees its members that they can receive treatment on a direct billing basis for all the network service
providers listed for their program level. This means that Saudi Enaya will pay for all services (in accordance to the benefits of
that specific program’s coverage). Members will only be responsible to pay for their out-patient coinsurance (according to
program level) directly to the service provider.
If services are required from any provider outside the network, (as per the table of benefits, members are allowed to
proceed on cash basis and submit invoices for reimbursement, as explained below.
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Members can utilize services outside of their designated Network Provider, by reimbursement. The amount will be reimbursed
in accordance to the member’s program specifications. (Please refer to the enclosed Table of Benefits for more details)paying
cash for these services and forwarding the invoices to Saudi Enaya for more details)
All Reimbursement Claims must be submitted with the following original documentations:
• Saudi Enaya Reimbursement form completed and signed.
• Detailed medical report filled out by your treating doctor along with his signature, date and stamp.
• Itemized invoices.
• Prescriptions, if applicable.
• Investigation results of any laboratory/diagnostic reports, if applicable.
Please note:
• Reimbursement claims must be received no longer than 30 days after the date of treatment for services available within KSA
and 60 days for services available outside KSA.
• Processing and settlement of your reimbursement claim will take 14 working days upon the receipt of the claim along with
required documentation.
Hospital Delegates:
Saudi Enaya hospital delegates are available in selected locations to assist and support our members in:
• Itemized invoices
• Supervising and resolving their issues
• Facilitate member’s appointments
• Guide members on hospital process
• Send pre-authorization requests
• Immediate assistance when required
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Inpatient Services
This is done to ensure that: Out Patient Services requiring Approval Chemotherapy & Radiotherapy, Psychiatric Cases, Renal
Dialysis and Hearing Aid
• There is enough remaining benefit limit on your Acute Cases: Do not require prior pre-authorization.
Medication Chronic Cases: Treatment for more than one month requires
membership to cover the treatment or service cost pre-authorization.
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HEALTH CARE SERVICES
As part of its commitment to the wellbeing of its members, Saudi Enaya provides health tips and advice for different condi-
tions on a regular basis. Saudi Enaya doctors are always available to answer questions and to provide support and guidance.
Maternity Care
Members benefit from the support of our doctors during the pregnancy’s term and the delivery.
Chronic disease care:
Saudi Enaya doctors provide members with information on symptoms and medical tips for chronical disease.
Direct Medication:
In the event of a chronic disease, Saudi Enaya eases the burden by establishing a “Direct Medication” solution that allows its
members to refill their prescriptions directly from (1) Al Nahdi Pharmacies and (2) Al Dawa Pharmacies.
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INTERNATIONAL SERVICES CARE
No matter where their travels take them, Saudi Enaya is always there with each of its participating members; through the
provision of exceptional international services that make their journeys more comfortable.
Medical Tourism:
Saudi Enaya offers comprehensive medical service for medical services that will be provided outside the Kingdom. Members
will have the benefits of traveling abroad to get the medical treatment they need, based on the case. The medical tourism
covers the expenses of transportation, accommodation, flights and treatments.
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a day, 365 days a year by trained multilingual and medical personnel, (including nurses and doctors), to advise and assist in the
event of an emergency.
One simple phone call to the Assist America number listed on the membership card connects our members to:
• A state-of-the-art Operations Center
• Experienced crisis management professionals
• Worldwide response capabilities
• Air and ground ambulance service providers
Assist America completely arranges and pays for the assistance services it provides without limits on the covered cost. This
alleviates many of the obstacles and potential expenses that can be caused by medical emergencies away from home. It is
important that our members keep their membership card with them at all times so that they can call for services whenever
needed. Assist America is not a travel or medical insurance program; rather it is a provider of global emergency services.
*Assist America’s services do not replace medical insurance during medical emergencies away from home. All medical costs
incurred should be submitted according to the program a member is enrolled in and are subject to the policy limits of the
coverage.
Key Services:
• Care of Minor Children: Assist America will arrange for the care of children left unattended as the result of a medical
emergency and pay for any transportation costs involved in such arrangements.
• Return of Moral Remains: Assist America will assist with the logistics of returning a member’s remains home in the event of
his or her death. (This service includes arranging the preparation of the remains for transport, procuring required documenta-
tion, providing the necessary shipping container as well as paying for transport).
• Lost Luggage or Document Assistance: Assist America will help members locate lost luggage, documents, or personal
belongings.
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• Interpreter and Legal Referrals: Assist America will refer members to interpreters and / or legal personnel, as necessary.
• Pre-trip Information: Assist America offers members country profiles that include visa requirements, immunization and
inoculation recommendations, as well as security advisories for any travel destination.
• Medical Consultation, Evaluation & Referral: Calls to Assist America’s Operations Center are evaluated by medical personnel
and referred to qualified doctors and / or hospitals.
• Hospital Admission Assistance: Assist America fosters prompt hospital admission by validating the member’s health
coverage or by advancing funds to the hospitals as needed.
• Emergency Medical Evacuation: If adequate medical facilities are not available locally, Assist America will use whatever
mode of transport, equipment and personnel necessary to evacuate a member to the nearest facility capable of providing a
high standard of care.
• Medical Monitoring: Assist America’s medical personnel will maintain regular communication with the member’s attending
physician and / or hospital and relay information to the family, as appropriate.
• Medical Repatriation: If a member still requires medical assistance upon being discharged from a hospital, Assist America
will repatriate them home or to a rehabilitation facility with a medical or nonmedical escort, as necessary.
• Prescription Assistance: If a member needs a replacement prescription while travelling, Assist America will help in filling that
prescription.
• Emergency Message Transmission: Assist America will receive and transmit authorized emergency messages for members.
• Compassionate Visit: If a member is travelling alone and will be hospitalized for more than five days, Assist America will
provide economy, roundtrip, common carrier transportation to the place of hospitalization for a designated family member
or friend.
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Conditions and Exclusions:
Conditions
:
Assist America will not provide services in the following instances:
• Travel undertaken specifically for securing medical treatment.
• Injuries resulting from participation in acts of war or insurrection.
• Commission of unlawful act(s)
• Attempt at suicide.
• Incident involving the use of drugs unless prescribed by a physician.
• Transfer of member from one medical facility to another medical facility of similar capabilities and providing a similar level of care.
Trips exceeding 90 days from legal residence without prior notification to Assist America (separate purchase of Expatriate coverage is
available).
While assistance services are available worldwide, transportation response time is directly related to the location / jurisdiction where
an event occurs. Assist America is not responsible for failing to provide services or for delays in the delivery of services caused by
strikes or conditions beyond its control, including by way of example and not by limitation, weather conditions, availability of airports,
flight conditions, availability of hyperbaric chambers, communications system, or where rendering of service is limited or prohibited
by local law or edict.
All consulting physicians and attorneys are independent contractors and not under the control of Assist America.
Assist America is not responsible or liable for any malpractice committed by professionals rendering services to a member.
For questions regarding the program, contact:
Saudi Enaya Coporative Insurance, Prince Sultan St. AR Rawdah District, Jeddah, Saudi Arabia 23435, P.O.Box 3528, Jeddah 21481
Kingdom of Saudi Arabia | Telephone: 8003010030
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ONLINE CARE
Saudi Enaya provides E-services to enhance communication and transaction for members
Corporate Portal:
As part of our member care, we provide online services for our members to facilitate the working process of requests. Now,
clients don’t need to send emails or make phone calls for different endorsements services; They need to log on to
http://Corporate/saudienayaservices/
To the following benefits:
• Adding members to the policy
• Deleting members from the policy
• Editing information of members
• Upgrading or downgrading class of members
• Tracking claims and preauthorization
Online Support:
We give our members the ability to communicate with us and get online support through our email care@saudienaya.com.
Also, members can get in touch with our support through our social media channels
sa.enaya @saudi_enaya Saudi Enaya
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Exclusion List as per CCHI
34
15 Allergy tests of any nature, unless relating to 19 Treatment of acne.
medicines, diagnosis or treatment.
20 Organ or marrow transplant, or implant of
16 Equipment, means, drugs and procedures, or artificial organs to replace any organ of the body.
hormone treatment aimed at regulating
reproduction, contraception, fertility, infertility, 21 Any activities known to involve high risk of
impotence, secondary sterility, in-vitro fertilization exposing a person to an illness or an accident, or
or any other method of artificial fertilization. expected to aggravate a previous illness or injury.
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This policy shall not cover medical benefits or corpse repatriation to home
country in claims resulting directly from:
01 War, invasion, acts of foreign enemy, acts of aggression (whether or not war is declared) or civil war.
02 Ionizing radiations, pollution from radioactive activity of any nuclear fuel or waste resulting from the
combustion of nuclear fuel.
03 Radioactive, toxic, explosive or other hazardous properties of any nuclear plant or any of its nuclear
components.
04 Beneficiary’s service or participation in armed forces or police activities.
05 Riot, disorder, terrorism, and similar actions.
06 Riots, strike or terrorism.
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ﻟﻦ ﺗﻐﻄﻲ ﻫﺬه اﻟﻮﺛﻴﻘﺔ اﻟﻤﻨﺎﻓﻊ اﻟﻄﺒﻴﺔ أو إﻋﺎدة اﻟﺠﺜﻤﺎن إﻟﻰ اﻟﻤﻮﻃﻦ اﺻﻠﻲ ﻓﻲ اﻟﺤﺎﻻت اﻟﻨﺎﺗﺠﺔ ﻣﺒﺎﺷﺮة ﻋﻦ:
٠١اﻟﺤﺮب ،اﻟﻐﺰو ،أﻋﻤﺎل اﻟﻌﺪو اﺟﻨﺒﻲ ،أﻋﻤﺎل اﻟﻌﺪوان )ﺳﻮاء أﻋﻠﻨﺖ اﻟﺤﺮب أم ﻟﻢ ﺗﻌﻠﻦ( ،اﻟﺤﺮب اﻫﻠﻴﺔ.
٠٢اﺷﻌﺎﻋﺎت اﻳﻮﻧﻴﺔ أو اﻟﺘﻠﻮث ﺑﺎﻟﻨﺸﺎط اﺷﻌﺎﻋﻲ ﻣﻦ أي وﻗﻮد ﻧﻮوي أو أﻳﺔ ﻧﻔﺎﻳﺎت ﻧﻮوﻳﺔ ﻧﺎﺗﺠﺔ ﻋﻦ اﺣﺘﺮاق وﻗﻮد ﻧﻮوي.
ﻣﺮﻛﺒﺎﺗﻬﺎ اﻟﻨﻮوﻳﺔ. اﻟﻤ ﱠ
ﺸﻌﺔ أو اﻟﺴﺎﻣﺔ أو اﻟﻤﺘﻔﺠﺮة أو أي ﺧﺼﺎﺋﺺ ﺧﻄﺮة أﺧﺮى ي ﺗﺠﻤﻌﺎت ﻧﻮوﻳﺔ أو ي ﻣﻦ ﱠ ٠٣اﻟﺨﺼﺎﺋﺺ ُ
٠٤ﻣﺰاوﻟﺔ اﻟﺸﺨﺺ اﻟﻤﺆﻣﻦ ﻟﻪ أو ﻣﺸﺎرﻛﺘﻪ ﻓﻲ ﺧﺪﻣﺔ اﻟﻘﻮات اﻟﻤﺴﻠﺤﺔ أو اﻟﺸﺮﻃﺔ أو ﻋﻤﻠﻴﺎﺗﻬﺎ.
٠٥أﻋﻤﺎل َ
اﻟﺸ َﻐﺐ ،اﺿﺮاب ،ارﻫﺎب أو ﻣﺎ ﻳﺸﺎﺑﻬﻬﺎ ﻣﻦ أﻋﻤﺎل.
ﻣﻼﺣﻈﺔ :ﺟﻤﻴﻊ ﻣﺎ ذﻛﺮ أﻋﻼه ،ﻣﻄﺎﺑﻖ ﻟﺸﺮوط وأﺣﻜﺎم ﻣﺠﻠﺲ اﻟﻀﻤﺎن اﻟﺼﺤﻲ CCHI
٣٦
٢٤ﺗﺘﻄﻠﺒﻬﺎ ﺣﺎﻟﺔ اﻟﻤﺆﻣﻦ ﻟﻪ ﺑﻤﻮﺟﺐ ﻗﺮار ﻃﺒﻲ ﺑﺎﻟﻤﺮﻓﻖ اﻟﺼﺤﻲ ١٧اﺟﻬﺰة واﻟﻮﺳﺎﺋﻞ واﻟﻌﻘﺎﻗﻴﺮ واﺟﺮاءات أو اﻟﻤﻌﺎﻟﺠﺔ
اﻟﻤﻌﺘﻤﺪ ﻣﻦ اﻟﻤﺠﻠﺲ. ﺑﺎﻟﻬﺮﻣﻮﻧﺎت ﺑﻬﺪف ﺗﻨﻈﻴﻢ اﻟﻨﺴﻞ أو ﻣﻨﻊ اﻟﺤﻤﻞ أو ﺣﺼﻮﻟﻪ أو
اﻟﻌﻘﻢ أو اﻟﻌﺠﺰ اﻟﺠﻨﺴﻲ أو ﻧﻘﺺ اﻟﺨﺼﻮﺑﺔ أو اﻟﺘﺨﺼﻴﺐ
اﻟﺘﻐﻴﺮات اﻟﻄﺒﻴﻌﻴﺔ ﻟﺴﻦ اﻟﻴﺄس ﻟﻠﻤﺆﻣﻦ ﻋﻠﻴﻬﺎ وﻳﺸﻤﻞ ذﻟﻚ ﺑﻮاﺳﻄﺔ اﻧﺎﺑﻴﺐ أو أﻳﺔ وﺳﺎﺋﻞ أﺧﺮى ﻟﻠﺘﻠﻘﻴﺢ اﻻﺻﻄﻨﺎﻋﻲ.
٢٥ﺗﻐﻴﺮات اﻟﻄﻤﺚ.
١٨ﺣﺎﻻت اﻟﻀﻌﻒ أو اﻟﺘﺸﻮه اﻟﺨﻠﻘﻲ إﻻ إذا ﻛﺎﻧﺖ ﺗﺸﻜﻞ ﺧﻄﻮرة ﻋﻠﻰ
ﺣﻴﺎة اﻟﻤﺆﻣﻦ ﻟﻪ ،ﻣﺎﻋﺪا اﻟﺤﺎﻻت اﻟﺘﻲ ﻳﺠﺐ ﻋﻼﺟﻬﺎ ﺑﻤﻮﺟﺐ ﻗﺮار
ﻃﺒﻲ ﺑﺎﻟﻤﺮﻓﻖ اﻟﺼﺤﻲ اﻟﻤﻌﺘﻤﺪ ﻣﻦ اﻟﻤﺠﻠﺲ.
١٩أي ﺗﻜﺎﻟﻴﻒ أو ﻣﺼﺎرﻳﻒ إﺿﺎﻓﻴﺔ ﻳﺘﻜﺒﺪﻫﺎ اﻟﻤﺮاﻓﻖ ﻟﻠﻤﺆﻣﻦ ﻟﻪ
أﺛﻨﺎء ﺗﻨﻮﻳﻤﻪ أو إﻗﺎﻣﺘﻪ ﺑﺎﻟﻤﺴﺘﺸﻔﻰ ﻋﺪا ﻧﻔﻘﺔ اﻗﺎﻣﺔ واﻋﺎﺷﺔ
ﻓﻲ اﻟﻤﺴﺘﺸﻔﻰ ﻟﻤﺮاﻓﻖ واﺣﺪ ﻟﻠﻤﺆﻣﻦ ﻟﻪ ،ﻛﻤﺮاﻓﻘﺔ ام
ﻟﻄﻔﻠﻬﺎ ﺣﺘﻰ ﺳﻦ اﻟﺜﺎﻧﻴﺔ ﻋﺸﺮة ،أو ﺣﻴﺜﻤﺎ ﺗﻘﺘﻀﻲ اﻟﻀﺮورة
اﻟﻄﺒﻴﺔ ذﻟﻚ ﺣﺴﺐ ﺗﻘﺪﻳﺮ اﻟﻄﺒﻴﺐ اﻟﻤﻌﺎﻟﺞ.
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ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﻟﻦ ﺗﻐﻄﻲ اﻟﻤﻄﺎﻟﺒﺎت اﻟﺘﻲ ﺗﻨﺸﺄ ﻋﻤﺎ ﻳﻠﻲ:
١٠ﻣﺼﺎرﻳﻒ ﻋﻼج اﻟﻔﺘﺮة اﻟﻼﺣﻘﺔ ﻟﺘﺸﺨﻴﺺ ﻓﻴﺮوس ﻧﻘﺺ ١اﺻﺎﺑﺔ اﻟﺘﻲ ﻳﺴﺒﺒﻬﺎ اﻟﺸﺨﺺ ﻟﻨﻔﺴﻪ ﻣﺘﻌﻤﺪا
اﻟﻤﻨﺎﻋﺔ اﻟﺒﺸﺮﻳﺔ HIVأو اﻟﻌﻠﻞ ذات اﻟﺼﻠﺔ ﺑﻬﺬا اﻟﻤﺮض ﺑﻤﺎ
اﻟﻤﻜﺘﺴﺒﺔ( أو ﻣﺸﺘﻘﺎﺗﻬﺎ ٢اﻣﺮاض اﻟﺘﻲ ﺗﻨﺸﺄ ﺑﻔﻌﻞ إﺳﺎءة اﺳﺘﻌﻤﺎل ﺑﻌﺾ ادوﻳﺔ أو
ﻓﻴﻬﺎ ﻣﺮض اﻳﺪز )ﻧﻘﺺ اﻟﻤﻨﺎﻋﺔ ُ
أو ﻣﺮادﻓﺎﺗﻬﺎ أو أﺷﻜﺎﻟﻬﺎ اﺧﺮى. اﻟﻤﻬﺪﺋﺎت أو ﺑﻔﻌﻞ ﺗﻌﺎﻃﻲ اﻟﻤﻮاد اﻟﻜﺤﻮﻟﻴﺔ أو
ﱢ اﻟﻤﻨﺸﻄﺎت أو
اﻟﻤﺨﺪرات أو ﻣﺎ ﺷﺎﺑﻪ ذﻟﻚ.
١١ﺟﻤﻴﻊ اﻟﺘﻜﺎﻟﻴﻒ اﻟﻤﺘﻌﻠﻘﺔ ﺑﺰرع اﺳﻨﺎن أو ﺗﺮﻛﻴﺐ اﺳﻨﺎن
اﻻﺻﻄﻨﺎﻋﻴﺔ أو اﻟﺠﺴﻮر اﻟﺜﺎﺑﺘﺔ أو اﻟﻤﺘﺤﺮﻛﺔ أو اﻟﺘﻘﻮﻳﻢ ٣اﻟﺠﺮاﺣﺔ أو اﻟﻤﻌﺎﻟﺠﺔ اﻟﺘﺠﻤﻴﻠﻴﺔ إﻻ إذا اﺳﺘﺪﻋﺘﻬﺎ إﺻﺎﺑﺔ
ﺑﺎﺳﺘﺜﻨﺎء ﺗﻠﻚ اﻟﺘﻲ ﺗﻨﺸﺄ ﻋﻦ وﺳﺎﺋﻂ ﺧﺎرﺟﻴﺔ ﻋﻨﻴﻔﺔ. ﺟﺴﺪﻳﺔ ﻋﺮﺿﻴﺔ ﻏﻴﺮ ﻣﺴﺘﺜﻨﺎة ﻓﻲ ﻫﺬا اﻟﻘﺴﻢ.
١٢اﺧﺘﺒﺎرات ﺗﺼﺤﻴﺢ اﻟﻨﻈﺮ أو اﻟﺴﻤﻊ واﻟﻮﺳﺎﺋﻞ اﻟﺒﺼﺮﻳﺔ أو ٤اﻟﻔﺤﻮﺻﺎت اﻟﺸﺎﻣﻠﺔ واﻟﻠﻘﺎﺣﺎت أو اﻟﻌﻘﺎﻗﻴﺮ أو اﻟﻮﺳﺎﺋﻞ
اﻟﺴﻤﻌﻴﺔ اﻟﻤﺴﺎﻋﺪة ﻣﺎ ﻟﻢ ﺗﻜﻦ ﻣﻄﻠﻮﺑﺔ ﺑﺄﻣﺮ اﻟﻄﺒﻴﺐ اﻟﻮﻗﺎﺋﻴﺔ اﻟﺘﻲ ﻻ ﺗﺘﻄﻠﺒﻬﺎ ﻣﻌﺎﻟﺠﺔ ﻃﺒﻴﺔ ﻣﻨﺼﻮص ﻋﻠﻴﻬﺎ ﻓﻲ
اﻟﻤﺮﺧﺺ. ﻫﺬه اﻟﻮﺛﻴﻘﺔ )ﺑﺎﺳﺘﺜﻨﺎء اﺟﺮاءات اﻟﻮﻗﺎﺋﻴﺔ اﻟﺘﻲ ﺗﺤﺪدﻫﺎ وزارة
اﻟﺼﺤﺔ ﻣﺜﻼ ﻟﺘﻄﻌﻴﻤﺎت ورﻋﺎﻳﺔ اﻣﻮﻣﺔ واﻟﻄﻔﻮﻟﺔ(.
١٣ﻣﺼﺎرﻳﻒ اﻧﺘﻘﺎل اﻟﺸﺨﺺ اﻟﻤﺆﻣﻦ ﻟﻪ داﺧﻞ وﺑﻴﻦ ﻣﺪن
اﻟﻤﻤﻠﻜﺔ ﺑﻮﺳﺎﺋﻞ ﻧﻘﻞ ﻏﻴﺮ ﺳﻴﺎرات اﺳﻌﺎف اﻟﺘﺎﺑﻌﺔ ٥ﻣﻌﺎﻟﺠﺔ اﻟﺤﻤﻞ واﻟﻮﻻدة ﻟﻠﻤﺮأة اﻟﻤﺘﻌﺎﻗﺪ ﻣﻌﻬﺎ ﻋﻠﻰ أﺳﺎس
ﻟﺠﻤﻌﻴﺔ اﻟﻬﻼل اﺣﻤﺮ اﻟﺴﻌﻮدي وﺳﻴﺎرات اﺳﻌﺎف أﻧﻬﺎ ﻏﻴﺮ ﻣﺘﺰوﺟﺔ.
اﻟﻤﺮﺧﺺ ﻟﻬﺎ. ٦اﻟﻤﻌﺎﻟﺠﺔ اﻟﺘﻲ ﻳﺘﻠﻘﺎﻫﺎ اﻟﺸﺨﺺ اﻟﻤﺆﻣﻦ ﻟﻪ ﺑﺪون ﻣﻘﺎﺑﻞ.
١٤ﺗﺴﺎﻗﻂ اﻟﺸﻌﺮ أو اﻟﺼ َﻠﻊ أو اﻟﺸﻌﺮ ُ
اﻟﻤﺴﺘﻌﺎر. ٧اﻻﺳﺘﺠﻤﺎم وﺑﺮاﻣﺞ اﻟﺼﺤﺔ اﻟﺒﺪﻧﻴﺔ اﻟﻌﺎﻣﺔ واﻟﻌﻼج ﻓﻲ دور
١٥اﻟﻤﻌﺎﻟﺠﺔ اﻟﻨﻔﺴﻴﺔ أو اﻻﺿﻄﺮاﺑﺎت اﻟﻌﻘﻠﻴﺔ أو اﻟﻌﺼﺒﻴﺔ. اﻟﺮﻋﺎﻳﺔ اﻻﺟﺘﻤﺎﻋﻴﺔ.
١٦اﺧﺘﺒﺎرات اﻟﺤﺴﺎﺳﻴﺔ ﻣﻬﻤﺎ ﻛﺎﻧﺖ ﻃﺒﻴﻌﺘﻬﺎ ﺑﺨﻼف ﺗﻠﻚ ٨أي ﻋﻠﺔ أو إﺻﺎﺑﺔ ﺗﻨﺸﺄ ﻛﻨﺘﻴﺠﺔ ﻣﺒﺎﺷﺮة ﻟﻤﻬﻨﺔ اﻟﺸﺨﺺ
اﻟﻤﺘﻌﻠﻘﺔ ﺑﺎدوﻳﺔ أو اﻟﺘﺸﺨﻴﺺ أو اﻟﻌﻼج. اﻟﻤﺆﻣﻦ ﻟﻪ.
٩ﻣﻌﺎﻟﺠﺔ اﻣﺮاض اﻟﺘﻨﺎﺳﻠﻴﺔ أو اﻟﺘﻲ ﺗﻨﺘﻘﻞ ﺑﺎﻻﺗﺼﺎل اﻟﺠﻨﺴﻲ
اﻟﻤﺘﻌﺎرف ﻋﻠﻴﻬﺎ ﻃﺒﻴ ًﺎ.
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اﻟﺮﻋﺎﻳﺔ اﻻﻟﻜﺘﺮوﻧﻴﺔ
اﻟﺒﻮاﺑﺔ اﻟﻜﺘﺮوﻧﻴﺔ
ﺗﺴﻬﻞ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﻋﻤﻠﻴﺎت اﺿﺎﻓﺎت و اﻟﺘﻌﺪﻳﻼت ﻋﻠﻰ اﻋﻀﺎء اﻟﻤﺴﺠﻠﻴﻦ ﻓﻲ وﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ و ذﻟﻚ ﻣﻦ ﺧﻼل اﻟﺒﻮاﺑﺔ
اﻟﻜﺘﺮوﻧﻴﺔ .ﻻ داﻋﻲ رﺳﺎل ﺑﺮﻳﺪ إﻟﻜﺘﺮوﻧﻲ او اﻻﺗﺼﺎل ﻟﻠﻘﻴﺎم ﺑﻌﻤﻠﻴﺔ اﺿﺎﻓﺎت .ﻛﻞ ﻣﺎﻫﻮ ﻋﻠﻴﻚ اﻟﺪﺧﻮل اﻟﻰ اﻟﺒﻮاﺑﺔ ﻋﻦ ﻃﺮﻳﻖ
اﻟﺮاﺑﻂ اﻟﺘﺎﻟﻲ:
http://Corporate/saudienayaservices/
و ﺗﺸﻤﻞ ﻫﺬه اﻟﺒﻮاﺑﺔ اﻟﺨﺪﻣﺎت اﻟﺘﺎﻟﻴﺔ:
إﺿﺎﻓﺔ أﻋﻀﺎء اﻟﻰ اﻟﻮﺛﻴﻘﺔ
ﺣﺬف أﻋﻀﺎء ﻣﻦ اﻟﻮﺛﻴﻘﺔ
ﺗﻌﺪﻳﻞ ﻣﻌﻠﻮﻣﺎت اﻋﻀﺎء ﻓﻲ اﻟﻮﺛﻴﻘﺔ
ﺗﻌﺪﻳﻞ ﻓﺌﺔ اﻋﻀﺎء ﻓﻲ اﻟﻮﺛﻴﻘﺔ
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اﻟﺸﺮوط واﻻﺳﺘﺜﻨﺎءات
اﻟﺸﺮوط:
ﻻ ﺗﻘﺪم )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺧﺪﻣﺎت ﻓﻲ اﻟﺤﺎﻻت اﻟﺘﺎﻟﻴﺔ:
• اﻟﺴﻔﺮ اﻟﻤﺆدي ﺧﺼﻴﺼ ًﺎ ﻟﻠﺤﺼﻮل ﻋﻠﻰ اﻟﻌﻼج اﻟﻄﺒﻲ.
• اﺻﺎﺑﺎت اﻟﻨﺎﺟﻤﺔ ﻋﻦ اﻟﻤﺸﺎرﻛﺔ ﻓﻲ اﻟﺤﺮوب أو اﻟﺘﻤﺮد.
• إرﺗﻜﺎب أﻋﻤﺎل ﻏﻴﺮ ﻗﺎﻧﻮﻧﻴﺔ.
• ﻣﺤﺎوﻻت إﻧﺘﺤﺎر.
• اﻟﺤﻮادث اﻟﺘﻲ ﺗﺸﻤﻞ ﻋﻠﻰ ﺗﻌﺎﻃﻲ اﻟﻤﺨﺪرات ﻣﺎﻟﻢ ﻳﺼﻒ اﻟﻄﺒﻴﺐ ﻫﺬه اﻟﺨﺪﻣﺎت
• ﺗﺤﻮﻳﻞ اﻟﻌﻀﻮ ﻣﻦ ﻣﻨﺸﺄة ﻃﺒﻴﺔ ﺧﺮى ذات إﻣﻜﺎﻧﺎت ﻣﻤﺎﺛﻠﺔ ﻣﻊ ﺗﻘﺪﻳﻢ ﻣﺴﺘﻮى ﻣﻤﺎﺛﻞ ﻣﻦ اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ.
اﻻﺳﺘﺜﻨﺎءات:
اﻟﺮﺣﻼت اﻟﺘﻲ ﺗﺘﺠﺎوز ﻣﺪﺗﻬﺎ 90ﻳﻮﻣ ًﺎ ﻣﻦ اﻗﺎﻣﺔ اﻟﻘﺎﻧﻮﻧﻴﺔ دون إرﺳﺎل إﺧﻄﺎر ﻣﺴﺒﻖ إﻟﻰ )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( )ﻳﺘﻮﻓﺮ ﺷﺮاء ﻏﻄﺎء ﺗﺄﻣﻴﻨﻲ
ﻣﻨﻔﺼﻞ ﻟﻠﻤﻐﺘﺮﺑﻴﻦ )ﺗﺘﻮﻓﺮ ﺧﺪﻣﺎت اﻟﻤﺴﺎﻋﺪة ﻓﻲ ﺟﻤﻴﻊ أﻧﺤﺎء اﻟﻌﺎﻟﻢ ،إ ّﻟﺎ أن زﻣﻦ اﻻﺳﺘﺠﺎﺑﺔ ﻟﻠﻨﻘﻞ ﻣﺮﺗﺒﻂ ﺑﺸﻜﻞ ﻣﺒﺎﺷﺮ ﺑﻤﻜﺎن
وﻧﻄﺎق اﻟﺴﻴﻄﺮة ﺣﻴﺚ وﻗﻊ اﻟﺤﺪث) .أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﻟﻴﺴﺖ ﻣﺴﺆوﻟﺔ ﻋﻦ ﻋﺪم ﺗﻤﻜﻨﻬﺎ ﻣﻦ ﺗﻘﺪﻳﻢ اﻟﺨﺪﻣﺎت أو اﻟﺘﻮاﻧﻲ ﻓﻲ ﺗﻘﺪﻳﻤﻬﺎ
ﺑﺴﺒﺐ أﻋﻤﺎل اﺿﺮاب أو اﺣﻮال اﻟﺨﺎرﺟﺔ ﻋﻦ ﺳﻴﻄﺮﺗﻬﺎ .ﺑﻤﺎ ﻳﺸﻤﻞ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ ،أﺣﻮال اﻟﻄﻘﺲ وﺻﻼﺣﻴﺔ اﻟﻤﻄﺎرات
ﻟﻠﺘﺸﻐﻴﻞ وأﺣﻮال اﻟﺮﺣﻼت اﻟﺠﻮﻳﺔ واﻟﺤﺠﺮات ﻣﻔﺮﻃﺔ اﻟﻀﻐﻂ وأﻧﻈﻤﺔ اﻻﺗﺼﺎﻻت أو ﻓﻲ ﺣﺎﻟﺔ ﻗﺼﺮ اﻟﺨﺪﻣﺔ أو ﺣﻈﺮﻫﺎ ﺑﻤﻮﺟﺐ أي ﻗﺎﻧﻮن
أو ﻣﺮﺳﻮم ﻣﺤﻠﻲ.
ﺟﻤﻴﻊ ﻣﻘﺪﻣﻮ اﻟﺨﺪﻣﺔ ﻣﺘﻌﺎﻗﺪون ﻣﺴﺘﻘﻠﻮن وﻟﻴﺴﻮ ﺧﺎﺿﻌﻴﻦ ﻟﺮﻗﺎﺑﺔ )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( وﻻ ﺗﻜﻮن )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﻣﺴﺆوﻟﺔ أو
ﺗﺨﻀﻊ ي ﻣﺴﺎﺋﻠﺔ ﻋﻦ أي ﺧﻄﺄ ﻣﻬﻨﻲ ﻳﺮﺗﻜﺒﻪ ﻣﻘﺪﻣﻮ اﻟﺨﺪﻣﺔ ﻟÏﻋﻀﺎء.
ﻟﻤﺰﻳﺪ ﻣﻦ اﺳﺌﻠﺔ ﻋﻦ اﻟﺒﺮﻧﺎﻣﺞ ﻳﺮﺟﻰ اﻻﺗﺼﺎل ﻋﻠﻰ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﻟﻠﺘﺄﻣﻴﻦ اﻟﺘﻌﺎوﻧﻲ
ﺷﺎرع اﻣﻴﺮ ﺳﻠﻄﺎن ﺣﻲ اﻟﺮوﺿﺔ ،ﺟﺪة ،اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ 23435
ص.ب 3528ﺟﺪة 21481اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ،ﻫﺎﺗﻒ800301003 :
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• ﺧﺪﻣﺔ اﻟﺘﺮﺟﻤﺔ اﻟﻔﻮرﻳﺔ واﻻﺳﺘﺸﺎرات اﻟﻘﺎﻧﻮﻧﻴﺔ ﺗﻘﻮم )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﺈﺣﺎﻟﺔ اﻋﻀﺎد إﻟﻰ ﻣﺘﺮﺟﻤﻴﻦ ﻓﻮرﻳﻴﻦ و؟أو ﻣﻮﻇﻔﻴﻴﻦ
ﻗﺎﻧﻮﻧﻴﻴﻦ ﺣﺴﺒﻤﺎ ﻳﺘﻄﻠﺐ اﻣﺮ.
• ﻣﻌﻠﻮﻣﺎت ﻣﺎ ﻗﺒﻞ اﻟﻘﻴﺎم ﺑﺮﺣﻠﺔ :ﺗﻮﻓﺮ )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ ﻋﻀﺎﺋﻬﺎ ﻣﻌﻠﻮﻣﺎت ﺷﺎﻣﻠﺔ ﻋﻦ أي ﺑﻠﺪ وذﻟﻚ ﻋﻠﻲ اﻟﻤﻮﻗﻊ اﻟﻜﺘﺮوﻧﻲ
www.assistamerica.comﺗﺘﻀﻤﻦ ﺷﺮوط اﻟﺘﺄﺷﻴﺮة ،وﺗﻮﺻﻴﺎت اﻟﺘﺤﺼﻴﻦ واﻟﺘﻠﻘﻴﺢ إﻟﻰ ﺟﺎﻧﺐ اﻟﻤﺴﺘﺸﺎرﻳﻦ اﻣﻨﻴﻴﻦ ي وﺟﺔ ﺳﻔﺮ.
• اﻻﺳﺘﺸﺎرة واﻟﺘﻘﻴﻴﻢ واﺣﺎﻟﺔ اﻟﻄﺒﻴﺔ :ﻣﺮﻛﺰ ﻋﻤﻠﻴﺎت )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﻣﺠﻬﺰ ﺑﻬﻴﺌﺔ ﻣﻮﻇﻔﻴﻦ ﻣﺮﺧﺼﻴﻦ ﻃﺒﻴ ًﺎ ،ﻳﻌﻠﻤﻮن ﻋﻠﻰ
اﻟﺘﻘﻴﻴﻢ اﻻﺗﺼﺎﻻت اﻟﻮاردة ﻣﻦ اﻋﻀﺎء وﻳﻘﺪﻣﻮن اﻟﺘﻮﺻﻴﺎت اﻟﻔﻮرﻳﺔ ﺑﺨﺼﻮص أي ﺣﺎﻟﺔ ﻃﺎرﺋﺔ ﺑﻤﺎ ﻓﻴﻪ اﺣﺎﻟﺔ إﻟﻰ أﻃﺒﺎء و/أو
ﻣﺴﺘﺸﻔﻴﺎت ﻣﺆﻫﻠﺔ ﺣﺴﺐ اﻟﺤﺎﺟﺔ.
• ﺿﻤﺎن ﺗﻠﻘﻲ اﻟﻌﻼج ﺑﺎﻟﻤﺴﺘﺸﻔﻰ :ﺗﻀﻤﻦ )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺗﻠﻘﻲ اﻟﻌﻼج اﻟﻔﻮري ﺑﺎﻟﻤﺴﺘﺸﻔﻰ ﻋﻦ ﻃﺮﻳﻖ اﻟﺘﺤﻘﻖ ﻣﻦ ﺻﺤﺔ ﺗﻐﻄﻴﺔ
اﻟﺘﺄﻣﻴﻦ اﻟﺼﺤﻲ أو ﺑﺘﺴﺪﻳﺪ اﻣﻮال اﻟﻼزﻣﺔ إﻟﻰ اﻟﻤﺴﺘﺸﻔﻰ ﺑﺎﻟﻘﺪر اﻟﻤﻄﻠﻮب.
• اﺧﻼء اﻟﻄﺒﻲ ﻓﻲ ﺣﺎﻟﺔ اﻟﻄﻮارئ :ﻓﻲ ﺣﺎﻟﺔ ﻋﺪم ﺗﻮﻓﻴﺮ ﻣﻨﺸﺂت ﻃﺒﻴﺔ ﺗﺘﻮﻓﺮ ﻓﻴﻬﺎ اﻟﺮﻋﺎﻳﺔ اﻟﻤﻨﺎﺳﺒﺔ ﻣﺤﻠﻴ ًﺎ :ﺗﺴﺘﻌﻴﻦ )أﺳﻴﺴﺖ
أﻣﺮﻳﻜﺎ( ﺑﺄي ﻣﻦ وﺳﺎﺋﻞ اﻟﻨﻘﻞ واﻟﻤﻌﺪات وﻃﺎﻗﻢ اﻟﻌﻤﻞ اﻟﻼزم ﺧﻼء اﻟﻌﻀﻮ اﻟﺬي ﻳﻤﺮ ﺑﺤﺎﻟﺔ ﻃﺎرﺋﺔ إﻟﻰ أﻗﺮب ﻣﻨﺸﺄة ﻃﺒﻴﺔ ﻗﺎدرة
ﻋﻠﻰ ﺗﻮﻓﻴﺮ ﻣﺴﺘﻮى ﻋﺎﻟﻲ ﻣﻦ اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ.
• اﻟﻤﺮاﻗﺒﺔ اﻟﻄﺒﻴﺔ :ﻳﻘﻮم اﻟﻤﻮﻇﻔﻮن اﻟﻄﺒﻴﻮن ﻟﺪى )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﺎﻻﺗﺼﺎل اﻟﺪوري ﺑﺎﻟﻄﺒﻴﺐ /اﻟﻤﺴﺘﺸﻔﻰ اﻟﺘﻲ ﺗﻘﺪم اﻟﺮﻋﺎﻳﺔ
اﻟﺼﺤﻴﺔ ﻟﻠﻌﻀﻮ ﻣﻊ إرﺳﺎل اﻟﻤﻌﻠﻮﻣﺎت إﻟﻰ أﺳﺮﺗﻪ.
• اﻋﺎدة اﻟﻄﺒﻴﺔ :إذا ﻛﺎن أﺣﺪ ﻣﺎ ﻳﺰال ﺑﺤﺎﺟﺔ إﻟﻰ ﻣﺴﺎﻋﺪة ﻃﺒﻴﺔ ﺑﻌﺪ اﻟﺨﺮوج ﻣﻦ اﻟﻤﺴﺘﺸﻔﻰ ﺗﻘﻮم )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﺈﻋﺎدة اﻟﻌﻀﻮ إﻟﻰ
ﻣﻮﻃﻨﻪ أو ﻣﻨﺸﺄة اﻟﺘﺄﻫﻴﻞ ﻣﺴﺤﻮﺑ ًﺎ ﺑﻤﺮاﻓﻖ ﻃﺒﻲ/ﻏﻴﺮ ﻃﺒﻲ ﺣﺴﺒﻤﺎ ﻳﺘﻄﻠﺐ اﻣﺮ.
• اﻟﻤﺴﺎﻋﺪة ﻓﻲ ﺗﺄﻣﻴﻦ ادوﻳﺔ :إذا ﻧﺴﻲ أﺣﺪ اﻋﻀﺎء دواﺋﻪ أو ﻓﻘﺪه وﻫﻮ ﺑﺤﺎﺟﺔ إﻟﻰ وﺻﻔﺔ ﻃﺒﻴﺔ ﻟﻠﺤﺼﻮل ﻋﻠﻴﻪ أﺛﻨﺎء اﻟﺴﻔﺮ ،ﺗﻘﻮم
)أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﻤﺴﺎﻋﺪﺗﻪ ﻓﻲ ﺗﺄﻣﻴﻦ اﻟﻮﺻﻔﺔ اﻟﻄﺒﻴﺔ اﻟﻼزﻣﺔ.
• ﻧﻘﻞ رﺳﺎﺋﻞ اﻟﻄﻮارئ :ﺗﻘﻮم )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﺘﻠﻘﻲ وإرﺳﺎل رﺳﺎﺋﻞ اﻟﻄﻮارئ اﻟﺨﺎﺻﺔ ﺑﺎﻋﻀﺎء
• اﻟﺰﻳﺎرة ﺳﺒﺎب إﻧﺴﺎﻧﻴﺔ :إذا ﻛﺎن اﻟﻌﻀﻮ ﻣﺴﺎﻓﺮا ً ﺑﻤﻔﺮده وﺳﻴﺘﻠﻘﻰ اﻟﻌﻼج ﻓﻲ ﻣﺴﺘﺸﻔﻰ ﻛﺜﺮ ﻣﻦ ﺧﻤﺴﺔ أﻳﺎم ،ﺗﻘﻮم )أﺳﻴﺴﺖ
أﻣﺮﻳﻜﺎ( ﺑﺘﻮﻓﻴﺮ ﺗﺬﻛﺮه ذﻫﺎب وﻋﻮدة ﻣﻦ اﻟﺪرﺟﺔ اﻟﺴﻴﺎﺣﻴﺔ إﻟﻰ ﻣﻜﺎن .اﻟﻤﺴﺘﺸﻔﻰ ﺣﺪ أﻓﺮاد اﺳﺮة أو اﺻﺪﻗﺎء
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ﻳﻌﻤﻞ ﻣﻮﻇﻔﻮ ﻣﺮاﻛﺰ ﻋﻤﻠﻴﺎت )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﻋﻠﻰ ﻣﺪار 24ﺳﺎﻋﺔ ﻳﻮﻣﻴ ًﺎ وﻟﻤﺪة 365ﻳﻮﻣ ًﺎ ﻓﻲ اﻟﺴﻨﺔ ،وﻳﻀﻢ ﻓﺮﻳﻖ اﻟﻌﻤﻞ ﻣﻮﻇﻔﻴﻦ
ﻃﺒﻴﻴﻦ ﻣﺪرﺑﻴﻦ ﻣﺘﻀﻤﻨ ًﺎ اﻟﻤﻤﺮﺿﺎت واﻃﺒﺎء ﻳﺠﻴﺪون اﻟﻌﺪﻳﺪ ﻣﻦ اﻟﻠﻐﺎت ﻟﺘﻘﺪﻳﻢ اﻻﺳﺘﺸﺎرات واﻟﻤﺴﺎﻋﺪة ﺑﺸﻜﻞ ﺳﺮﻳﻊ واﺣﺘﺮاﻓﻲ
ﻓﻲ ﺣﺎﻟﺔ اﻟﻄﻮارئ.
ﺑﻤﺠﺮد اﺟﺮاء اﺗﺼﺎل واﺣﺪ ﺑﺴﻴﻂ ﺑﺎﻟﺮﻗﻢ اﻟﻤﺪون ﻋﻠﻰ ﺑﻄﺎﻗﺔ اﻟﺘﻌﺮﻳﻒ اﻟﺸﺨﺼﻲ ﻟﺪﻳﻚ ﻣﻦ )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﻳﺘﻢ ﺗﻮﺻﻴﻠﻚ ﻋﻠﻰ اﻟﻔﻮر
ﺑﻤﺎ ﻳﻠﻲ:
• ﺷﺒﻜﺔ ﻋﺎﻟﻤﻴﺔ ﻣﻦ ﻣﺰودي اﻟﺨﺪﻣﺎت اﻟﻄﺒﻴﺔ اﻟﻤﺆﻫﻠﻴﻦ ﻣﺴﺒﻘ ًﺎ.
• ﻣﺘﺨﺼﺼﻮن ﻣﺘﻤﺮﺳﻮن ﻓﻲ إدارة ازﻣﺎت.
• ﻣﺮﻛﺰ ﻋﻤﻠﻴﺎت ﺑﺘﺠﻬﻴﺰات ﻣﺘﻘﺪﻣﺔ وإﻣﻜﺎﻧﺎت اﺳﺘﺠﺎﺑﺔ ﻋﺎﻟﻤﻴﺔ.
• ﻣﺰودي ﺧﺪﻣﺎت اﺳﻌﺎف ارﺿﻲ واﻟﺠﻮي ﺗﻘﻮم )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﺈﺟﺮاء ﺟﻤﻴﻊ اﻟﺘﺮﺗﻴﺒﺎت ﻣﻊ دﻓﻊ ﻗﻴﻤﺔ ﺧﺪﻣﺎت اﻟﻤﺴﺎﻋﺪة اﻟﺘﻲ
ﺗﻘﺪﻣﻬﺎ دون ﺳﻘﻮف ﻋﻠﻰ ﺗﻜﻠﻔﺔ ﺗﻠﻚ اﻟﺨﺪﻣﺎت .وﻻ ﺷﻚ أن ذﻟﻚ ﻣﻦ ﺷﺄﻧﻪ أن ﻳﺨﻔﻒ ﻣﻦ اﻟﺼﻌﻮﺑﺎت وﻳﺤﺪد ﻣﻦ اﻟﻨﻔﻘﺎت اﻟﻤﺤﺘﻤﻠﺔ
اﻟﻤﺮﺗﺒﻄﺔ ﺑﺎﻟﻄﻮارئ اﻟﻄﺒﻴﺔ ﺧﺎرج اﻟﻮﻃﻦ.
ﻣﻦ اﻟﻤﻬﻢ اﻻﺣﺘﻔﺎظ ﺑﺒﻄﺎﻗﺎت اﻟﺘﻌﺮﻳﻒ اﻟﺸﺨﺼﻲ ﻣﻌﻚ ﻃﻮل اﻟﻮﻗﺖ ﺑﺤﻴﺚ ﻳﻤﻜﻦ اﻻﺗﺼﺎل ﺑﻨﺎ ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﺧﺪﻣﺎت )أﺳﻴﺴﺖ
أﻣﺮﻳﻜﺎ( ﻣﻦ أي ﻣﻜﺎن ﺗﺤﺘﺎج ﻓﻴﻪ إﻟﻴﻬﺎ.
إن )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﻟﻴﺴﺖ ﺷﺮﻛﺔ ﺗﺄﻣﻴﻦ ﺳﻔﺮ أو ﻋﻼج ،إﻧﻤﺎ ﻫﻲ ﻣﺰود ﺧﺪﻣﺎت ﻃﻮارئ ﻋﺎﻟﻤﻴﺔ.
@ وﻻ ﺗﻌﺘﺒﺮ ﺧﺪﻣﺎت )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﺪﻳ ً
ﻼ ﻋﻦ اﻟﺘﺄﻣﻴﻦ اﻟﺼﺤﻲ أﺛﻨﺎء ﺣﺎﻻت اﻟﻄﻮارئ اﻟﻄﺒﻴﺔ ﺧﺎرج اﻟﻮﻃﻦ .ﺗﻌﻮد ﺟﻤﻴﻊ اﻟﺘﻜﺎﻟﻴﻒ اﻟﻄﺒﻴﺔ
اﻟﻤﺘﻜﺒﺪة ﻋﻠﻰ وﺛﻴﻘﺔ اﻟﻌﻨﺎﻳﺔ اﻟﺼﺤﻴﺔ اﻟﺨﺎﺻﺔ ﺑﻚ ،ﻛﻤﺎ ﺗﺨﻀﻊ ﻫﺬه اﻟﺘﻜﺎﻟﻴﻒ ﻟﻠﺤﺪود اﻟﻮاردة ﺑﻮﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ اﻟﺼﺤﻲ اﻟﺨﺎﺻﺔ ﺑﻚ.
@ ﺗﻠﺘﺰم )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﺈﺟﺮاء ﺟﻤﻴﻊ اﻟﺨﺪﻣﺎت وﺗﻮﻓﻴﺮﻫﺎ .ﻻ ﺗﻘﺒﻞ أي ﻣﻄﺎﻟﺒﺎت ﺑﺎﻟﺘﻌﻮﻳﺾ ﻋﻦ ﺧﺪﻣﺎت اﻟﻤﺴﺎﻋﺪة.
اﻟﺨﺪﻣﺎت اﻟﺮﺋﻴﺴﻴﺔ
• رﻋﺎﻳﺔ اﻃﻔﺎل اﻟﻘﺎﺻﺮﻳﻦ :ﺗﻘﻮم )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( ﺑﺈﺟﺮاء اﻟﺘﺮﺗﻴﺒﺎت اﻟﻼزﻣﺔ ﻟﺘﻘﺪﻳﻢ اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ ﻟÏﻃﻔﺎل ﻏﻴﺮ اﻟﻤﺼﺤﻮﺑﻴﻦ
ﺑﻤﺮاﻓﻖ ﻧﺘﻴﺠﺔ ﻟﺤﺎﻟﺔ ﻃﻮارئ ﻃﺒﻴﺔ ،وﺗﺪﻓﻊ ﻛﺬﻟﻚ ﺗﻜﺎﻟﻴﻒ اﻻﻧﺘﻘﺎل اﻟﻤﺮﺗﺒﻄﺔ ﺑﻬﺬه اﻟﺘﺮﺗﻴﺒﺎت.
• إﻋﺎدة رﻓﺎت اﻟﻤﻮﺗﻰ :ﺗﻘﺪم )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( اﻟﻤﺴﺎﻋﺪة اﻟﻼزﻣﺔ ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺘﺮﺗﻴﺒﺎت إﻋﺎدة ﺟﺜﻤﺎن اﻟﻌﻀﻮ إﻟﻰ وﻃﻨﻪ ﻓﻲ ﺣﺎﻟﺔ
وﻓﺎﺗﻪ .وﻳﺸﻤﻞ ذﻟﻚ ﺗﺮﺗﻴﺐ إﻋﺪاد اﻟﺠﺜﻤﺎن ﻟﻠﻨﻘﻞ وإﺻﺪار اﻟﻤﺴﺘﻨﺪات اﻟﻼزﻣﺔ ،وﺗﻮﻓﻴﺮ وﺳﻴﻠﺔ اﻟﻨﻘﻞ اﻟﻼزﻣﺔ ،إﺿﺎﻓﺔ إﻟﻲ دﻓﻊ ﻧﻔﻘﺎت
اﻟﻨﻘﻞ.
• اﻟﻤﺴﺎﻋﺪة ﻓﻲ ﺗﺤﺪﻳﺪ ﻣﻮﻗﻊ اﻟﺤﻘﺎﺋﺐ واﻟﻤﺴﺘﻨﺪات اﻟﻤﻔﻘﻮدة :ﺗﺴﺎﻋﺪ )أﺳﻴﺴﺖ أﻣﺮﻳﻜﺎ( أﻋﻀﺎﺋﻬﺎ ﻓﻲ ﺗﺤﺪﻳﺪ ﻣﻮﻗﻊ اﻟﺤﻘﺎﺋﺐ و/أو
اﻟﻤﺴﺘﻨﺪات و/أو اﻟﻤﺘﻌﻠﻘﺎت واﻏﺮاض اﻟﺸﺨﺼﻴﺔ اﻟﻤﻔﻘﻮدة.
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ﺧﺪﻣﺎت اﻟﺮﻋﺎﻳﺔ اﻟﺪوﻟﻴﺔ
ﺗﻮﻓﺮ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﺧﺪﻣﺎت ﻋﻀﺎﺋﻬﺎ ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ﺑﺘﻘﺪﻳﻢ ﻋﺪة ﺧﺪﻣﺎت ﺗﻼﺋﻢ اﺣﺘﻴﺎﺟﺎت اﻟﻌﻤﻼء.
اﻟﺴﻴﺎﺣﺔ اﻟﻌﻼﺟﻴﺔ:
ﻛﺠﺰء ﻣﻦ اﻟﺨﺪﻣﺎت اﻟﺨﺎرﺟﻴﺔ اﻟﺘﻲ ﺗﻘﺪﻣﻬﺎ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ,ﺗﺘﻴﺢ ﻋﻨﺎﻳﺔ ﺧﺪﻣﺔ اﻟﺮﻋﺎﻳﺔ اﻟﻄﺒﻴﺔ اﻟﻜﺎﻣﻠﺔ ﻟﻠﺤﺎﻻت اﻟﻄﺒﻴﺔ اﻟﺘﻲ ﺗﺘﻄﻠﺐ
اﻟﻌﻼج ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ .ﺑﺤﻴﺚ ﻳﺘﻤﻜﻦ ﻋﻤﻼﺋﻨﺎ ﻣﻦ اﻟﺴﻔﺮ ﺧﺎرج اﻟﻤﻤﻠﻜﺔ ﻟﺘﻠﻘﻲ اﻟﻌﻼج ﻋﻠﻰ ﻧﻔﻘﺔ اﻟﺸﺮﻛﺔ ﻛﻤﺎ
ﺗﺸﻤﻞ ﺗﻜﺎﻟﻴﻒ اﻟﺘﺬاﻛﺮ واﻗﺎﻣﺔ واﻟﻤﻮاﺻﻼت أﻳﻀﺎ.
٢٧
ﺧﺪﻣﺎت اﻟﺮﻋﺎﻳﺔ اﻟﻄﺒﻴﺔ
ﺗﻘﺪم ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﺧﺪﻣﺎت اﻟﺮﻋﺎﻳﺔ اﻟﻄﺒﻴﺔ ﻟﻠﻌﺪﻳﺪ ﻣﻦ ﻋﻤﻼﺋﻬﺎ وذﻟﻚ ﻋﻦ ﻃﺮﻳﻖ اﻟﻔﺮﻳﻖ اﻟﻄﺒﻲ اﻟﻤﺨﺘﺺ ﻓﻲ ﻃﺮح اﻟﻨﺼﺎﺋﺢ اﻟﻄﺒﻴﺔ.
ﺗﺸﻤﻞ ﺧﺪﻣﺎﺗﻨﺎ رﻋﺎﻳﺔ اﻣﻮﻣﺔ اﻟﺘﻲ ﻧﻮﻓﺮﻫﺎ ﻟﻠﻌﻀﻮات ﻣﻦ ﺧﻼل ﺷﺒﻜﺔ ﻣﻦ اﻃﺒﺎء اﻟﻤﺤﺘﺮﻓﻴﻦ اﻟﺬﻳﻦ ﺳﻴﻘﺪﻣﻮن اﻟﻨﺼﺢ واﻟﻤﺸﻮرة
ﺧﻼل ﻓﺘﺮة اﻟﺤﻤﻞ.
ﻳﻮﻓﺮ أﻃﺒﺎؤﻧﺎ ﻣﻌﻠﻮﻣﺎت ﺷﺎﻣﻠﺔ ﺣﻮل اﻋﺮاض واﻟﻨﺼﺎﺋﺢ اﻟﻄﺒﻴﺔ ﻟÏﻣﺮاض اﻟﻤﺰﻣﻨﺔ ،ﺑﻤﺎ ﻳﻌﻮد ﺑﺎﻟﻨﻔﻊ ﻋﻠﻰ ﻋﻤﻼﺋﻨﺎ ﺑﺼﻮرة ﻣﺒﺎﺷﺮة.
إﻋﺎدة ﺗﻌﺒﺌﺔ أدوﻳﺔ اﻣﺮاض اﻟﻤﺰﻣﻨﺔ ﺑﺼﻮرة ﻣﺒﺎﺷﺮة ﻋﻦ ﻃﺮﻳﻖ اﻟﺼﻴﺪﻟﻴﺎت اﻟﻤﻮﺻﻰ ﺑﻬﺎ:
) (1ﺻﻴﺪﻟﻴﺔ اﻟﻨﻬﺪي ) (2ﺻﻴﺪﻟﻴﺔ اﻟﺪواء
2٦
ﺧﺪﻣﺎت اﻟﻤﺮﻳﺾ ﺑﺎﻟﻌﻴﺎدات اﻟﺪاﺧﻠﻴﺔ و اﻟﺘﻨﻮﻳﻢ
ﻻ ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ
اﻟﺪﺧﻮل ﻟﻴﻮم واﺣﺪ )ﻃﺒﻲ او ﺟﺮاﺣﻲ(
ﻳﺠﺐ اﺧﻄﺎر ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﺧﻼل ٢٤ﺳﺎﻋﺔ ﻣﻦ اﻟﺪﺧﻮل اﻟﻤﻮاﻓﻘﺔ اﻟﻄﺒﻴﺔ اﻟﻤﺴﺒﻘﺔ وﻣﺘﻄﻠﺒﺎت اﺧﻄﺎر
ﺧﺪﻣﺎت اﻟﻤﺮﻳﺾ ﺑﺎﻟﻌﻴﺎدات اﻟﺨﺎرﺟﻴﺔ اﻟﺘﻲ ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ ﻣﺎﻫﻲ اﻟﻤﻮاﻓﻘﺔ اﻟﻄﺒﻴﺔ اﻟﻤﺴﺒﻘﺔ؟
ﺧﺪﻣﺎت اﺳﻨﺎن واﻟﻨﻈﺎرات اﻟﻄﺒﻴﺔ ،اﻟﺨﺘﺎن ،وﺗﺨﺮﻳﻢ اذن،
ﺧﺪﻣﺎت اﻟﻌﻴﺎدات اﻟﺨﺎرﺟﻴﺔ ﺗﻄﻠﺐ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﻣﻦ ﻣﻘﺪم اﻟﺨﺪﻣﺔ اﻟﺬي ﺗﺘﻌﺎﻣﻞ ﻣﻌﻪ اﻻﺗﺼﺎل ﺑﻬﺎ ﻟﻠﺤﺼﻮل
اﻟﻤﻌﺎﻟﺠﺔ اﻟﻜﻴﻤﻴﺎﺋﻴﺔ واﺷﻌﺎﻋﻴﺔ ﻟﻠﺤﺎﻻت اﻟﻨﻔﺴﻴﺔ اﻟﻐﺴﻴﻞ
اﻟﻜﻠﻮي وادوات اﻟﺴﻤﻌﻴﺔ اﻟﺘﻲ ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ ﻋﻠﻰ اﻟﻤﻮاﻓﻘﺔ اﻟﻄﺒﻴﺔ ﻗﺒﻞ ﺗﻘﺪﻳﻢ ﺧﺪﻣﺔ ﻣﺤﺪدة أو ﻋﻼج ﻣﻌﻴﻦ.
اﻟﻌﻀﻮ اﻟﻤﺎﺳﻲ :ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ اذا ﺗﺠﺎوز اﻟﻤﺒﻠﻎ اﻻﺟﻤﺎﻟﻲ ٢٠٠٠ وﻳﺘﻢ اﺗﺨﺎذ ﻫﺬا اﺟﺮاء ﻟﻀﻤﺎن اÖﺗﻲ:
رﻳﺎل
اﻟﻌﻀﻮ اﻟﺬﻫﺒﻲ :ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ اذا ﺗﺠﺎوز اﻟﻤﺒﻠﻎ اﻻﺟﻤﺎﻟﻲ ١٠٠٠
رﻳﺎل
• أن ﺗﻜﻮن ﻣﺴﺘﺤﻘ ًﺎ ﻟﻠﻌﻼج أو اﻟﺨﺪﻣﺔ وﻓﻘ ًﺎ ﻟﻮﺛﻴﻘﺔ اﻟﺘﺄﻣﻴﻦ واﻟﻤﻨﺎﻓﻊ اﻟﻤﺘﻌﺎﻗﺪ ﻋﻠﻴﻬﺎ.
اﻟﻌﻀﻮ اﻟﻔﻀﻲ :ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ اذا ﺗﺠﺎوز اﻟﻤﺒﻠﻎ اﻻﺟﻤﺎﻟﻲ ١٠٠٠ ﺧﺪﻣﺎت أﺧﺮى ﺗﻘﺪم ﻟﻠﻤﺮﻳﺾ اﻟﺨﺎرﺟﻲ
رﻳﺎل
)ﺑﺎﺳﺘﺜﻨﺎء اﻟﻜﺸﻒ و اﻟﺪواء( • أن ﻳﻜﻮن اﻟﻌﻼج اﻟﻤﻘﺘﺮح أو اﻟﺨﺪﻣﺔ ﺿﺮورﻳﺔ ﻣﻦ اﻟﻨﺎﺣﻴﺔ اﻟﻄﺒﻴﺔ.
اﻟﻌﻀﻮ اﻟﺒﺮوﻧﺰي :ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ اذا ﺗﺠﺎوز اﻟﻤﺒﻠﻎ اﻻﺟﻤﺎﻟﻲ ١٠٠٠
رﻳﺎل
اﻟﻌﻀﻮ اﻟﻜﻼﺳﻴﻜﻲ :ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ اذا ﺗﺠﺎوز اﻟﻤﺒﻠﻎ اﻻﺟﻤﺎﻟﻲ • أن ﺗﻜﻮن ﺗﻜﻠﻔﺔ اﻟﻌﻼج اﻟﻤﻘﺘﺮح أو اﻟﺨﺪﻣﺔ ﻓﻲ ﺣﺪود اﻟﻤﻌﻘﻮل أو اﻟﻤﻌﺘﺎد ﻣﻘﺎرﻧﺔ
١٠٠٠رﻳﺎل ﺑﻤﻘﺪﻣﻲ ﺧﺪﻣﺎت اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ.
اﻟﺤﺎﻻت اﻟﺤﺎدة :ﻻ ﺗﺘﻄﻠﺐ ﻣﻮاﻓﻘﺔ ﻣﺴﺒﻘﺔ • أن ﻳﻜﻮن ﻣﺘﺒﻘﻲ ﻟﺪﻳﻚ ﻓﻲ ﺑﻄﺎﻗﺔ اﻟﻌﻀﻮﻳﺔ ﻣﺎ ﻳﻐﻄﻲ ﺗﻜﻠﻔﺔ اﻟﻌﻼج أو اﻟﺨﺪﻣﺔ.
اﻟﺤﺎﻻت اﻟﻤﺰﻣﻨﺔ :اﻟﻌﻼج ﻛﺜﺮ ﻣﻦ ﺷﻬﺮ ﻳﺘﻄﻠﺐ اﻟﻤﻮاﻓﻘﺔ اﻟﺪواء
اﻟﻤﻮاﻓﻘﺎت اﻟﻤﺴﺒﻘﺔ وﻣﺘﻄﻠﺒﺎت اﺧﻄﺎر ﺑﺎﻟﻤﻮاﻓﻘﺎت اﻟﻄﺒﻴﺔ
٢٥
ﺑﻨﺎء ﻋﻠﻰ اﺳﻌﺎر اﻟﻤﺘﻌﺎرف واﻟﻤﺘﻔﻖ ﻋﻠﻴﻬﺎ وﻓﻘ ًﺎ ﻟﻠﻤﻨﺘﺞ اﻟﺨﺎص ﺑﻚ) .ﻳﺮﺟﻰ ﻣﺮاﺟﻌﺔ ﺟﺪول اﻟﻤﻨﺎﻓﻊ
ﺳﻴﺘﻢ إﻋﺎدة ﻫﺬه اﻟﻤﺒﺎﻟﻎ ﻟﻚ ً
اﻟﻤﺮﻓﻖ ﻟﻤﺰﻳﺪ ﻣﻦ اﻟﺘﻔﺎﺻﻴﻞ(.
ُ
ﻻﺑﺪ أن ﺗﺘﻀﻤﻦ ﺟﻤﻴﻊ اﻟﻤﻄﺎﻟﺒﺎت اﻟﻤﻘﺪﻣﺔ ﻋﻠﻲ أﺻﻮل اﻟﻤﺴﺘﻨﺪات اﻟﺘﺎﻟﻴﺔ:
• ﺗﻌﺒﺌﺔ ﻧﻤﻮذج اﻟﺘﻌﻮﻳﺾ اﻟﻨﻘﺪي اﻟﺨﺎص ﺑـ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﺑﺎﺿﺎﻓﺔ إﻟﻰ اﻟﺘﻮﻗﻴﻊ واﻟﺨﺘﻢ.
• ﺗﻘﺮﻳﺮ ﻃﺒﻲ ﻣﻔﺼﻞ )ﻳﻘﻮم ﻃﺒﻴﺒﻚ اﻟﻤﻌﺎﻟﺞ ﺑﺘﻌﺒﺌﺘﻪ ﻣﻊ ﺗﻮﻗﻴﻌﻪ ،وﻛﺘﺎﺑﺔ اﻟﺘﺎرﻳﺦ ،ووﺿﻊ اﻟﺨﺘﻢ(.
• أﺻﻮل اﻟﻔﻮاﺗﻴﺮ واﻟﺴﻨﺪات اﻟﻤﻔﺼﻠﺔ.
• اﻟﻮﺻﻔﺔ اﻟﻄﺒﻴﺔ )إن وﺟﺪت(
• ﻧﺘﺎﺋﺞ اﻟﻔﺤﻮﺻﺎت ﻓﻲ اﻟﻤﻌﺎﻣﻞ /اﻟﺘﻘﺎرﻳﺮ اﻟﺘﺸﺨﻴﺼﻴﺔ )إن وﺟﺪت(.
ﻣﻼﺣﻈﺔ
• ﻻﺑﺪ أن ﻳﺘﻢ ﺗﻘﺪﻳﻢ اﻟﻤﻄﺎﻟﺒﺎت ﻓﻲ ﻣﻮﻋﺪ ﻻ ﻳﺘﻌﺪى 30ﻳﻮﻣﺎ ﻣﻦ ﺗﺎرﻳﺦ اﻟﻌﻼج داﺧﻞ اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ،و 60ﻳﻮﻣ ًﺎ ﻟﻠﺨﺪﻣﺎت
اﻟﻤﻘﺪﻣﺔ ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ.
• ﺗﺴﺘﻐﺮق إﺟﺮاءات اﻟﻤﻄﺎﻟﺒﺔ واﻟﺘﺴﻮﻳﺔ 14ﻳﻮم ﻋﻤﻞ ﺑﻌﺪ اﺳﺘﻼم اﻟﻤﻄﺎﻟﺒﺔ واﻟﻤﺴﺘﻨﺪات اﻟﻤﻄﻠﻮﺑﺔ.
اﻟﻤﻨﺪوﺑﻮن ﻓﻲ اﻟﻤﺴﺘﺸﻔﻴﺎت:
ﺗﻌﻴﻴﻦ ﻣﻨﺪوﺑﻲ ﻣﺴﺘﺸﻔﻴﺎت ﻓﻲ ﻣﻮاﻗﻊ ﻣﺤﺪدة ﻟﺘﻘﺪﻳﻢ اﻟﻤﺴﺎﻋﺪة واﻟﺪﻋﻢ ﻟﻌﻤﻼﺋﻨﺎ اﻟﻜﺮام ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺎﻣﻮر اﻟﺘﺎﻟﻴﺔ:
• اﺷﺮاف ﻋﻠﻰ ﻗﻀﺎﻳﺎ اﻟﻌﻤﻼء وﺣﻞ اﻟﻤﺸﺎﻛﻞ.
• ﺗﻴﺴﻴﺮ إﺟﺮاءات ﻣﻮاﻋﻴﺪ اﻋﻀﺎء.
• ﺗﻘﺪﻳﻢ ارﺷﺎدات ﺣﻮل اﺟﺮاءات ﻓﻲ اﻟﻤﺴﺘﺸﻔﻰ.
• إرﺳﺎل ﻃﻠﺒﺎت اﻟﻤﻮاﻓﻘﺎت اﻟﻤﺴﺒﻘﺔ.
• ﺗﻘﺪﻳﻢ اﻟﻤﺴﺎﻋﺪة اﻟﻔﻮرﻳﺔ ﻋﻨﺪ اﻟﻄﻠﺐ.
2٤
ﺧﺪﻣﺎت اﻟﻌﻤﻼء ﻋﻠﻰ ﻣﺪار 24ﺳﺎﻋﺔ ﻃﻮال اﻻﺳﺒﻮع:
ﻳﻮﺟﺪ ﻋﻠﻰ ﻇﻬﺮ ﺑﻄﺎﻗﺔ اﻟﻌﻀﻮﻳﺔ رﻗﻢ ﺧﺪﻣﺔ اﻟﻌﻤﻼء واﻟﺒﺮﻳﺪ اﻟﻜﺘﺮوﻧﻲ .وﻛﻤﺎ ﻳﻮﺟﺪ ﻟﺪﻳﻨﺎ ﻓﺮﻳﻖ ﻣﺤﺘﺮف ﻳﺘﺤﺪث ﺑﺎﻟﻠﻐﺘﻴﻦ اﻟﻌﺮﺑﻴﺔ
واﻧﺠﻠﻴﺰﻳﺔ ﻟﺘﻘﺪﻳﻢ اﻟﺨﺪﻣﺎت اﻟﺘﺎﻟﻴﺔ:
• ارﺷﺎد واﻟﻤﺴﺎﻋﺪة ﻓﻲ اﺧﺘﻴﺎر اﻟﻤﺴﺘﺸﻔﻴﺎت واﻟﻤﺮاﻛﺰ اﻟﻄﺒﻴﺔ.
• ﺗﻘﺪﻳﻢ اﻟﻤﻌﻠﻮﻣﺎت اﻟﺨﺎﺻﺔ ﺑﺎﻟﻤﻨﺎﻓﻊ اﻟﺘﻲ ﺗﺴﺘﺤﻘﻬﺎ.
• اﻟﺘﻮﺟﻴﻪ واﻟﻤﺴﺎﻋﺪة ﻓﻲ ﺣﺎﻟﺔ اﻟﻄﻮارئ.
• اﻟﺮد ﻋﻠﻰ ﻛﺎﻓﺔ اﻻﺳﺘﻔﺴﺎرات.
• اﻟﻤﻮاﻓﻘﺔ اﻟﻄﺒﻴﺔ ﻋﺒﺮ اﻧﺘﺮﻧﺖ.
٢٣
ﺧﺪﻣﺎت أﻋﻀﺎء ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ
اﻟﻌﻨﺎﻳﺔ ﺑﺎﻟﻌﻤﻼء
ﺗﻘﺪم ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﺧﺪﻣﺎت ﻋﺪﻳﺪة ﺧﺎﺻﺔ ﺑﺎﻟﻌﻤﻼء وذﻟﻚ ﻣﻦ أﺟﻞ ﺗﺴﻬﻴﻞ اﺣﺘﻴﺎﺟﺎﺗﻬﻢ وﺗﻘﺪﻳﻢ اﻟﺨﺪﻣﺎت اﻟﻤﻨﺎﺳﺒﺔ ﻟﻬﻢ.
2٢
اﻟﻜﻼﺳﻴﻜﻲ اﻟﺒﺮوﻧﺰي اﻟﻔﻀﻲ اﻟﺬﻫﺒﻲ اﻟﻤﺎﺳﻲ اﻟﺒﺮﻧﺎﻣﺞ
١٥,٠٠٠أﻟﻒ رﻳﺎل ﺳﻌﻮدي ﺑﺤﺪ أﻗﺼﻰ ﻟﻠﺤﺎﻻت اﻟﻨﻔﺴﻴﺔ اﻟﺤﺎدة ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ وﺗﺸﺘﻤﻞ ) (٥,٠٠٠رﻳﺎل
ﻟﻠﺤﺎﻻت اﻟﻨﻔﺴﻴﺔ اﻟﻐﻴﺮ ﺣﺎدة ل ) (٤ﺟﻠﺴﺎت ﻣﻊ ادوﻳﺔ ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ
ﻣﻌﺎﻟﺠﺔ اﻟﺤﺎﻻت اﻟﻨﻔﺴﻴﺔ اﻟﺤﺎدة واﻟﻐﻴﺮ ﺣﺎدة
ﻣﻐﻄﻰ
أﻗﻞ ﻣﻦ ﺳﻨﺔ: ﺗﻜﺎﻟﻴﻒ ﺗﻐﻄﻴﺔ ﺑﺮﻧﺎﻣﺞ اﻟﺘﺤﺼﻴﻨﺎت ﻟﻔﻴﺮوس
-اﻟﻄﻔﻞ اﻟﻤﻮﻟﻮد أﻗﻞ ﻣﻦ ) ( ٢٩أﺳﺒﻮع ﺣﻤﻠﻲ اﻻﻟﺘﻬﺎب اﻟﺘﻨﻔﺴﻲ اﻟﻤﺨﻠﻮي ) (RSVﻟËﻃﻔﺎل وﻓﻖ
-اﻟﻄﻔﻞ اﻟﺨﺪﻳﺞ اﻟﺬي ﻳﻌﺎﻧﻲ ﻣﻦ ﻣﺮض اﻟﺮﺋﺔ اﻟﻤﺰﻣﻦ
-اﻟﻄﻔﻞ اﻟﺬي ﻳﻌﺎﻧﻲ ﻣﻦ أﻣﺮاض اﻟﻘﻠﺐ اﻟﺨﻠﻘﻴﺔ
ﺟﺪول ﺗﺤﺼﻴﻨﺎت اﻟﻔﻴﺮوس اﻟﺘﻨﻔﺴﻲ اﻟﻤﺨﻠﻮي
أﻗﻞ ﻣﻦ ﺳﻨﺘﻴﻦ: اﻟﻤﻌﺘﻤﺪة اﻟﺼﺎدر ﻋﻦ وزارة اﻟﺼﺤﺔ اﻟﻮارد ﻓﻲ
-اﻟﻄﻔﻞ اﻟﺬي ﻳﻌﺎﻧﻲ ﻣﻦ اﻋﺘﻼل اﻟﺮﺋﺘﻴﻦ أو اﻟﺠﻬﺎز اﻟﻌﺼﺒﻲ اﻟﻤﻠﺤﻖ رﻗﻢ ٦
وﻻ ﻳﺴﺘﻄﻴﻊ اﻟﺘﺨﻠﺺ ﻣﻦ اﻟﺒﻠﻐﻢ
ﻋﻼج اﻟﺼﺪﻓﻴﺔ
ﻣﻐﻄﻰ -ﻟﻦ ﺗﻐﻄﻰ أي ﻣﺴﺘﺤﻀﺮات ﺗﺠﻤﻴﻞ )ﻛﺮﻳﻤﺎت
ﺗﺮﻃﻴﺐ(
٢١
اﻟﻜﻼﺳﻴﻜﻲ اﻟﺒﺮوﻧﺰي اﻟﻔﻀﻲ اﻟﺬﻫﺒﻲ اﻟﻤﺎﺳﻲ اﻟﺒﺮﻧﺎﻣﺞ
ﺷﺒﻜﺔ ١أو ﺷﺒﻜﺔ ٢ﺷﺒﻜﺔ ٣أو ﺷﺒﻜﺔ ٤ﺷﺒﻜﺔ ٥أو ﺷﺒﻜﺔ ٦ﺷﺒﻜﺔ ٧أو ﺷﺒﻜﺔ ٨ﺷﺒﻜﺔ ٩أو ﺷﺒﻜﺔ ١٠ اﻟﺸﺒﻜﺔ
ﺑﺤﺪ أﻗﺼﻰ ١٠٠,٠٠٠رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ ﺣﺎﻻت اﻋﺎﻗﺔ
ﻣﻐﻄﻰ ﺑﺤﺪ أﻗﺼﻰ ١٠,٠٠٠رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ إﻋﺎدة رﻓﺎت اﻟﻤﺘﻮﻓﻰ إﻟﻰ ﻣﻮﻃﻨﻪ اﺻﻠﻲ
• اﻟﺤﺎﻻت اﻟﻄﺎرﺋﺔ اﻟﺘﻲ ﺗﻨﺸﺄ ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ﻣﻐﻄﺎه ٪١٠٠ﻛﻤﺎ ﻫﻲ ﻟﺒﺎﻗﺔ اﻟﻤﺎﺳﻲ و اﻟﺬﻫﺒﻲ ﻋﻠﻰ أﺳﺎس
اﻟﺘﻌﻮﻳﺾ اﻟﻨﻘﺪي ،و ٪١٠٠ﻟﺒﺎﻗﺔ اﻟﻔﻀﻴﺔ ﺣﺴﺐ اﺳﻌﺎر اﻟﺴﺎﺋﺪة واﻟﻤﺘﻌﺎرف ﻋﻠﻴﻬﺎ داﺧﻞ ﺷﺒﻜﺔ اﻟﻤﺮاﻛﺰ اﻟﻄﺒﻴﺔ ﺑﺎﻟﻤﻤﻠﻜﺔ
اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ،أﻣﺎ ﺑﺎﻟﻨﺴﺒﺔ ﻟﺒﺎﻗﺔ اﻟﺒﺮوﻧﺰي و اﻟﻜﻼﺳﻴﻚ ﻓﺎﻟﻤﻄﺎﻟﺒﺎت اﻟﺘﻲ ﺗﻨﺸﺄ ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ﻏﻴﺮ
ﻣﻐﻄﺎه.
اﻟﺘﻐﻄﻴﺔ ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ
• اﻟﺤﺎﻻت اﻟﻐﻴﺮ ﻃﺎرﺋﺔ ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ﻣﻐﻄﺎه ٪١٠٠ﻟﺒﺎﻗﺔ اﻻﻟﻤﺎﺳﻲ و اﻟﺬﻫﺒﻲ ،و ٪٨٠ﻟﺒﺎﻗﺔ اﻟﻔﻀﻲ ﺣﺴﺐ
اﺳﻌﺎر اﻟﺴﺎﺋﺪة واﻟﻤﺘﻌﺎرف ﻋﻠﻴﻬﺎ ﻓﻲ ﺷﺒﻜﺔ اﻟﻤﺮاﻛﺰ اﻟﻄﺒﻴﺔ اﻟﻤﻌﺘﻤﺪة داﺧﻞ اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ،ﺷﺮﻳﻄﺔ
اﻟﺤﺼﻮل ﻋﻠﻰ ﻣﻮاﻓﻘﺔ ﻣﺴﺒﻘﺔ ﻣﻦ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ .أﻣﺎ ﺑﺎﻟﻨﺴﺒﺔ ﻟﺒﺎﻗﺔ اﻟﺒﺮوﻧﺰي و اﻟﻜﻼﺳﻴﻚ ﻓﺎﻟﻤﻄﺎﻟﺒﺎت اﻟﺘﻲ ﺗﻨﺸﺄ ﺧﺎرج
اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ﻏﻴﺮ ﻣﻐﻄﺎه.
اﻟﺤﺎﻻت اﻟﻄﺎرﺋﺔ اﻟﺘﻲ ﺗﻨﺸﺄ ﺧﺎرج ﻧﻄﺎق ﺷﺒﻜﺔ اﻟﻤﺴﺘﺸﻔﻴﺎت ﻣﻐﻄﺎه ٪١٠٠ﻟﺠﻤﻴﻊ اﻟﻤﻨﺘﺠﺎت ﻋﻠﻰ أﺳﺎس اﻟﺘﻌﻮﻳﺾ اﻟﻨﻘﺪي
ﻛﻤﺎ ﻫﻲ .اﻟﺤﺎﻻت اﻟﻐﻴﺮ ﻃﺎرﺋﺔ اﻟﺘﻲ ﺗﻨﺸﺄ ﺧﺎرج ﻧﻄﺎق اﻟﺸﺒﻜﺔ ﻣﻐﻄﺎه ٪٨٠ﻟﺒﺎﻗﺔ اﻻﻟﻤﺎﺳﻲ و اﻟﺬﻫﺒﻲ و اﻟﻔﻀﻲ ﺣﺴﺐ اﺳﻌﺎر
اﻟﺴﺎﺋﺪة واﻟﻤﺘﻌﺎرف ﻋﻠﻴﻬﺎ ﻓﻲ ﺷﺒﻜﺔ اﻟﻤﺮاﻛﺰ اﻟﻄﺒﻴﺔ اﻟﻤﻌﺘﻤﺪة داﺧﻞ اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ ،ﺷﺮﻳﻄﺔ اﻟﺤﺼﻮل اﻟﺘﻐﻄﻴﺔ ﺧﺎرج ﻧﻄﺎق اﻟﺸﺒﻜﺔ )داﺧﻞ اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ(
ﻋﻠﻰ ﻣﻮاﻓﻘﺔ ﻣﺴﺒﻘﺔ ﻣﻦ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ .أﻣﺎ ﺑﺎﻟﻨﺴﺒﺔ ﻟﺒﺎﻗﺔ اﻟﺒﺮوﻧﺰي و اﻟﻜﻼﺳﻴﻚ اﻟﺤﺎﻻت اﻟﻐﻴﺮ ﻃﺎرﺋﺔ اﻟﺘﻲ ﺗﻨﺸﺄ ﺧﺎرج
ﻧﻄﺎق اﻟﺸﺒﻜﺔ ﻏﻴﺮ ﻣﻐﻄﺎة.
اﻟﻐﺮﻓﺔ ﺷﺒﻪ اﻟﺨﺎﺻﺔ ٦٠٠ :رﻳﺎل ﺳﻌﻮدي ﻳﻮﻣﻴﺎ ﺣﺪ اﻗﺎﻣﺔ واﻋﺎﺷﺔ اﻟﻴﻮﻣﻴﺔ ﻟﻠﻤﺮﻳﺾ ﺑﻤﺎ ﻓﻲ ذﻟﻚ
رﺳﻮم اﻟﺴﺮﻳﺮ واﻟﺘﻤﺮﻳﺾ واﻟﺰﻳﺎرات اﻟﻄﺒﻴﺔ واﺷﺮاف
اﻟﻐﺮﻓﺔ اﻟﺨﺎﺻﺔ ٦٠٠ :رﻳﺎل ﺳﻌﻮدي ﻳﻮﻣﻴﺎ اﻟﻄﺒﻲ وﺧﺪﻣﺎت ﺗﻘﺪﻳﻢ اﻟﻄﻌﺎم واﻟﺸﺮاب ﺑﺎﺳﺘﺜﻨﺎء
ﺗﻜﻠﻔﺔ ادوﻳﺔ واﻟﻠﻮازم اﻟﻄﺒﻴﺔ اﻟﺘﻲ ﻳﺼﻔﻬﺎ اﻟﻄﺒﻴﺐ
اﻟﺠﻨﺎح اﻟﻌﺎدي ٧٥٠ :رﻳﺎل ﺳﻌﻮدي ﻳﻮﻣﻴﺎ
اﻟﺘﺨﺼﺼﺎت اﻟﻨﺎدرة ﻣﺜﻞ ﺟﺮاﺣﺎت اﻟﻘﻠﺐ واﻋﺼﺎب واوﻋﻴﺔ اﻟﺪﻣﻮﻳﺔ واﻟﺘﺨﺼﺼﺎت اﻟﻤﻌﻘﺪة ٥٠٠رﻳﺎل ﺳﻌﻮدي
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اﻟﻜﻼﺳﻴﻜﻲ اﻟﺒﺮوﻧﺰي اﻟﻔﻀﻲ اﻟﺬﻫﺒﻲ اﻟﻤﺎﺳﻲ اﻟﺒﺮﻧﺎﻣﺞ
ﺷﺒﻜﺔ ١أو ﺷﺒﻜﺔ ٢ﺷﺒﻜﺔ ٣أو ﺷﺒﻜﺔ ٤ﺷﺒﻜﺔ ٥أو ﺷﺒﻜﺔ ٦ﺷﺒﻜﺔ ٧أو ﺷﺒﻜﺔ ٨ﺷﺒﻜﺔ ٩أو ﺷﺒﻜﺔ ١٠ اﻟﺸﺒﻜﺔ
ﻣﻐﻄﻰ إﻟﻰ اﻟﺤﺪ اﻗﺼﻰ ٥٠٠رﻳﺎل و ٣٠٠رﻳﺎل ﺑﺎﻟﺘﺘﺎﺑﻊ ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ ﺣﺎﻻت اﻟﺨﺘﺎن )ﻟﻠﺬﻛﻮر(وﺗﺨﺮﻳﻢ اذن ﻟËﻧﺜﻰ
ﻣﻐﻄﻰ ﺣﺘﻰ اﻟﺤﺪ اﺟﻤﺎﻟﻲ اﻟﺴﻨﻮي ﻓﻲ ﺣﺎل ﺗﻐﻄﻴﺔ ﻣﻨﻔﻌﺔ اﻟﺤﻤﻞ واﻟﻮﻻدة اﻃﻔﺎل اﻟﻤﺒﺘﺴﺮﻳﻦ
ﻣﻐﻄﻰ ﺣﺘﻰ اﻟﺤﺪ اﺟﻤﺎﻟﻲ اﻟﺴﻨﻮي ﺣﺪ ﻧﻔﻘﺎت اﻟﻌﻴﺎدات اﻟﺪاﺧﻠﻴﺔ واﻟﺨﺎرﺟﻴﺔ
١٥٠رﻳﺎل ﺳﻌﻮدي ﻛﺤﺪ اﻗﺼﻰ ﻓﻲ اﻟﻴﻮم ﺣﺪ اﻗﺎﻣﺔ واﻋﺎﺷﺔ اﻟﻴﻮﻣﻲ ﻟﻠﻤﺮاﻓﻖ
ﺑﺤﺪ أﻗﺼﻰ ١٠٠,٠٠٠رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ اﻟﻐﺴﻴﻞ اﻟﻜﻠﻮي
ﺑﺤﺪ أﻗﺼﻰ ١٥٠٠٠أﻟﻒ رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ اﻟﺤﺎﻻت اﻟﻨﻔﺴﻴﺔ اﻟﺤﺎدة
ﺑﺤﺪ أﻗﺼﻰ ٦,٠٠٠رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ اﻟﺴﻤﺎﻋﺎت اﻟﻄﺒﻴﺔ
ﺑﺤﺪ أﻗﺼﻰ ٧٠,٠٠٠رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ ﺣﺎﻻت ﺗﻠﻒ ﺻﻤﺎﻣﺎت اﻟﻘﻠﺐ اﻟﻤﻜﺘﺴﺒﺔ
ﺑﺤﺪ أﻗﺼﻰ ٥٠,٠٠٠رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ اﺟﺮاء ﻋﻤﻠﻴﺔ اﻟﺘﺒﺮع ﺑﺎﻋﻀﺎء )ﻟﻠﻤﺘﺒﺮع(
ﺑﺤﺪ أﻗﺼﻰ ١٥,٠٠٠رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ ﻣﺮﺿﻰ اﻟﺰﻫﺎﻳﻤﺮ
ﺑﺤﺪ أﻗﺼﻰ ١٥,٠٠٠رﻳﺎل ﺳﻌﻮدي ﺧﻼل ﻣﺪة اﻟﻮﺛﻴﻘﺔ ﺗﻜﺎﻟﻴﻒ ﺣﺎﻻت اﻟﺘﻮﺣﺪ
19
ﺟﺪول اﻟﻤﻨﺎﻓﻊ ﻟﺠﻤﻴﻊ اﻟﺒﺮاﻣﺞ
اﻟﻜﻼﺳﻴﻜﻲ اﻟﺒﺮوﻧﺰي اﻟﻔﻀﻲ اﻟﺬﻫﺒﻲ اﻟﻤﺎﺳﻲ اﻟﺒﺮﻧﺎﻣﺞ
ﺷﺒﻜﺔ ١أو ﺷﺒﻜﺔ ٢ﺷﺒﻜﺔ ٣أو ﺷﺒﻜﺔ ٤ﺷﺒﻜﺔ ٥أو ﺷﺒﻜﺔ ٦ﺷﺒﻜﺔ ٧أو ﺷﺒﻜﺔ ٨ﺷﺒﻜﺔ ٩أو ﺷﺒﻜﺔ ١٠ اﻟﺸﺒﻜﺔ
ﻏﺮﻓﺔ ﻣﺸﺘﺮﻛﺔ ﻏﺮﻓﺔ ﻣﺸﺘﺮﻛﺔ ﺷﺒﻪ ﻏﺮﻓﺔ ﺧﺎﺻﺔ ﻏﺮﻓﺔ ﺧﺎﺻﺔ ﺟﻨﺎح ﻣﻜﻠﻲ ﻧﻮع اﻟﻐﺮﻓﺔ
٥٠٠,٠٠٠رﻳﺎل ٥٠٠,٠٠٠رﻳﺎل ٥٠٠,٠٠٠رﻳﺎل ﻣﻦ ٥٠٠,٠٠٠وﺣﺘﻰ ﻣﻦ ٥٠٠,٠٠٠رﻳﺎل اﻟﺤﺪ اﻗﺼﻰ اﻟﺴﻨﻮي
ﺳﻌﻮدي ﻣﻠﻴﻮن رﻳﺎل وﺣﺘﻰ ﻣﻠﻴﻮن رﻳﺎل
ﻟﻠﻤﺴﺘﺸﻔﻴﺎت ﺧﺎرج ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ﺻﻔﺮ وﺣﺘﻰ ٪٢٠ﻛﺤﺪ أﻗﺼﻰ ﺣﺘﻰ ٣٠٠رﻳﺎل
ﻧﺴﺒﺔ اﻟﻤﺸﺎرﻛﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ
ﻟﻠﻌﻴﺎدات ﺧﺎرج ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ﺻﻔﺮ وﺣﺘﻰ ٪٢٠ﻛﺤﺪ أﻗﺼﻰ ﺣﺘﻰ ١٠٠رﻳﺎل
ﻓﻲ اﻟﻌﻴﺎدات اﻟﺨﺎرﺟﻴﺔ
داﺧﻞ ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ﺻﻔﺮ وﺣﺘﻰ ٪٢٠ﻛﺤﺪ أﻗﺼﻰ ﺣﺘﻰ ٧٥رﻳﺎل
18
اﻟﻜﻼﺳﻴﻜﻲ
• اﻟﺤﺪ اﻗﺼﻰ اﻟﺴﻨﻮي ﺣﺘﻰ ٥٠٠٠٠٠رﻳﺎل ﺳﻌﻮدي )ﻣﻘﻴﺎس ﻣﺠﻠﺲ اﻟﻀﻤﺎن اﻟﺼﺤﻲ(
• إﻣﻜﺎﻧﻴﺔ اﺧﺘﻴﺎر اﻟﻤﺴﺘﺸﻔﻴﺎت واﻟﻤﺮاﻛﺰ اﻟﺼﺤﻴﺔ ﺣﺪى ﺷﺒﻜﺎت اﻟﺨﺪﻣﺔ اﻟﻤﺘﻮﻓﺮة )ﺷﺒﻜﺔ
٩أو ﺷﺒﻜﺔ (١٠
• ﻏﺮﻓﺔ ﻣﺸﺘﺮﻛﺔ
• ﺗﺤﺪﻳﺪ ﻧﺴﺒﺔ اﻟﻤﺸﺎرﻛﺔ ﻋﻠﻰ ﺣﺴﺐ اﻻﺧﺘﻴﺎرات اﻟﻤﺘﺎﺣﺔ أو ﻋﻠﻰ ﺣﺴﺐ ﻣﺎ ﻳﻨﺼﻪ ﻣﺠﻠﺲ
اﻟﻀﻤﺎن اﻟﺼﺤﻲ
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( داﺧﻞ ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة
٪٢٠ﻛﺤﺪ اﻋﻠﻰ ﺣﺘﻰ ٧٥رﻳﺎل ﻳﻘﺪم اﻟﺒﺮﻧﺎﻣﺞ اﻟﻜﻼﺳﻴﻜﻲ اﻟﺨﺪﻣﺎت واﻟﻤﻤﻴﺰات ﺣﺴﺐ اﻟﺤﺪ اﻋﻠﻰ
اﻟﻤﻄﻠﻮب ﻣﻦ ﻣﻘﻴﺎس اﻟﻀﻤﺎن اﻟﺼﺤﻲ وﻳﺸﻤﻞ اﻟﻤﺰاﻳﺎ اﻟﺘﺎﻟﻴﺔ:
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( ﻟﻠﻤﺴﺘﺸﻔﻴﺎت ﺧﺎرج ﺷﺒﻜﺔ اﻟﺤﺪ
ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠ﻛﺤﺪ أﻋﻠﻰ ﺣﺘﻰ ٣٠٠رﻳﺎل
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( ﻟﺒﺎﻗﻲ ﻣﻘﺪﻣﻲ اﻟﺨﺪﻣﺔ ﺧﺎرج
ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠ﻛﺤﺪ أﻋﻠﻰ ﺣﺘﻰ ١٠٠رﻳﺎل
• ﺣﺪ ﺗﻐﻄﻴﺔ اﺳﻨﺎن ﺣﺘﻰ ٢٠٠٠رﻳﺎل ﺳﻌﻮدي )ﻣﻘﻴﺎس ﻣﺠﻠﺲ اﻟﻀﻤﺎن اﻟﺼﺤﻲ(
• ﺣﺪ ﺗﻐﻄﻴﺔ اﻟﻨﻈﺮ ﺣﺘﻰ ٤٠٠رﻳﺎل ﺳﻌﻮدي )ﻣﻘﻴﺎس ﻣﺠﻠﺲ اﻟﻀﻤﺎن اﻟﺼﺤﻲ(
• ﺗﻐﻄﻴﺔ ﻣﺘﺎﺑﻌﺔ اﻟﺤﻤﻞ و اﻟﻮﻻدة اﻟﻄﺒﻴﻌﻴﺔ ١٥٠٠٠رﻳﺎل ﺳﻌﻮدي ﻛﺤﺪ أﻗﺼﻰ )ﻣﻘﻴﺎس ﻣﺠﻠﺲ
اﻟﻀﻤﺎن اﻟﺼﺤﻲ(
16
اﻟﺒﺮوﻧﺰي
• ﺗﺤﺪﻳﺪ ﻧﺴﺒﺔ اﻟﻤﺸﺎرﻛﺔ ﻋﻠﻰ ﺣﺴﺐ اﻻﺧﺘﻴﺎرات اﻟﻤﺘﺎﺣﺔ أو ﻋﻠﻰ ﺣﺴﺐ ﻣﺎ ﻳﻨﺼﻪ ﻣﺠﻠﺲ
اﻟﻀﻤﺎن اﻟﺼﺤﻲ
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( داﺧﻞ ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة
ﻛﺤﺪ اﻋﻠﻰ ﺣﺘﻰ ٧٥رﻳﺎل
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( ﻟﻠﻤﺴﺘﺸﻔﻴﺎت ﺧﺎرج ﺷﺒﻜﺔ اﻟﺤﺪ
ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠ﻛﺤﺪ أﻋﻠﻰ ﺣﺘﻰ ٣٠٠رﻳﺎل
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( ﻟﺒﺎﻗﻲ ﻣﻘﺪﻣﻲ اﻟﺨﺪﻣﺔ ﺧﺎرج
ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠ﻛﺤﺪ أﻋﻠﻰ ﺣﺘﻰ ١٠٠رﻳﺎل
ﻳﻘﺪم اﻟﺒﺮﻧﺎﻣﺞ اﻟﺒﺮوﻧﺰي اﻟﺨﺪﻣﺎت واﻟﻤﻤﻴﺰات أﻋﻠﻰ ﻣﻦ اﻟﺤﺪ اﻋﻠﻰ
• إﻣﻜﺎﻧﻴﺔ اﺧﺘﻴﺎر اﻟﻤﺴﺘﺸﻔﻴﺎت واﻟﻤﺮاﻛﺰ اﻟﺼﺤﻴﺔ ﺣﺪى ﺷﺒﻜﺎت اﻟﺨﺪﻣﺔ اﻟﻤﺘﻮﻓﺮة )ﺷﺒﻜﺔ
اﻟﻤﻄﻠﻮب ﻣﻦ ﻣﺠﻠﺲ اﻟﻀﻤﺎن اﻟﺼﺤﻲ وﻳﺸﻤﻞ اﻟﻤﺰاﻳﺎ اﻟﺘﺎﻟﻴﺔ:
٧أو ﺷﺒﻜﺔ (٨
• ﻏﺮﻓﺔ ﻣﺸﺘﺮﻛﺔ
• ﺗﺤﺪﻳﺪ ﻧﺴﺒﺔ اﻟﻤﺸﺎرﻛﺔ اﻟﺘﺄﻣﻴﻨﻴﺔ ﻓﻲ اﻟﻌﻴﺎدات اﻟﺨﺎرﺟﻴﺔ ﻣﻦ ﺻﻔﺮ و ﺣﺘﻰ ٪٢٠ﻛﺤﺪ أﻋﻠﻰ
ﺣﺘﻰ ١٠٠رﻳﺎل
• ﺣﺪ ﺗﻐﻄﻴﺔ اﻻﺳﻨﺎن ﺣﺘﻰ ٣,٠٠٠رﻳﺎل ﺳﻌﻮدي
• ﺣﺪ ﺗﻐﻄﻴﺔ اﻟﻨﻈﺮ ﺣﺘﻰ ٥٠٠رﻳﺎل ﺳﻌﻮدي
• ﺗﻐﻄﻴﺔ ﻣﺘﺎﺑﻌﺔ اﻟﺤﻤﻞ و اﻟﻮﻻدة اﻟﻄﺒﻴﻌﻴﺔ ١٥٠٠٠رﻳﺎل ﺳﻌﻮدي ﻛﺤﺪ أﻗﺼﻰ )ﻣﻘﻴﺎس ﻣﺠﻠﺲ
اﻟﻀﻤﺎن اﻟﺼﺤﻲ(
14
اﻟﻔﻀﻲ
12
اﻟﺬﻫﺒﻲ
• اﻟﺤﺪ اﻗﺼﻰ اﻟﺴﻨﻮي ﺣﺘﻰ ٧٥٠٠٠٠رﻳﺎل ﺳﻌﻮدي
• إﻣﻜﺎﻧﻴﺔ اﺧﺘﻴﺎر اﻟﻤﺴﺘﺸﻔﻴﺎت واﻟﻤﺮاﻛﺰ اﻟﺼﺤﻴﺔ ﺣﺪى ﺷﺒﻜﺎت اﻟﺨﺪﻣﺔ اﻟﻤﺘﻮﻓﺮة )ﺷﺒﻜﺔ
٣أو ﺷﺒﻜﺔ (٤
• ﻏﺮﻓﺔ ﺧﺎﺻﺔ
• ﺗﺤﺪﻳﺪ ﻧﺴﺒﺔ اﻟﻤﺸﺎرﻛﺔ ﻋﻠﻰ ﺣﺴﺐ اﻻﺧﺘﻴﺎرات اﻟﻤﺘﺎﺣﺔ أو ﻋﻠﻰ ﺣﺴﺐ ﻣﺎ ﻳﻨﺼﻪ ﻣﺠﻠﺲ
اﻟﻀﻤﺎن اﻟﺼﺤﻲ
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( داﺧﻞ ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠
ﻛﺤﺪ اﻋﻠﻰ ﺣﺘﻰ ٧٥رﻳﺎل
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( ﻟﻠﻤﺴﺘﺸﻔﻴﺎت ﺧﺎرج ﺷﺒﻜﺔ اﻟﺤﺪ
ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠ﻛﺤﺪ أﻋﻠﻰ ﺣﺘﻰ ٣٠٠رﻳﺎل
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( ﻟﺒﺎﻗﻲ ﻣﻘﺪﻣﻲ اﻟﺨﺪﻣﺔ ﺧﺎرج ﺷﺒﻜﺔ ﻳﻘﺪم اﻟﺒﺮﻧﺎﻣﺞ اﻟﺬﻫﺒﻲ ﺧﺪﻣﺎت ﻋﺎﻟﻴﺔ اﻟﺠﻮدة وﻣﻤﻴﺰات ﺗﺘﻤﺎﺷﻰ ﻣﻊ
اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠ﻛﺤﺪ أﻋﻠﻰ ﺣﺘﻰ ١٠٠رﻳﺎل ﻣﺘﻄﻠﺒﺎت اﻟﻌﻤﻼء .ﻳﺴﺘﻄﻴﻊ ﻋﻤﻼﺋﻨﺎ اﻟﻜﺮام اﻻﺳﺘﻔﺎدة ﻣﻦ ﺧﺪﻣﺎت
اﻟﻌﻼج ﺧﺎرج اﻟﻤﻤﻠﻜﺔ وزﻳﺎدة ﺣﺪ اﻟﺘﻐﻄﻴﺔ .ﻳﻘﺪم ﻫﺬا اﻟﺒﺮﻧﺎﻣﺞ ﺣﺪود
• ﺣﺪ ﺗﻐﻄﻴﺔ اﻻﺳﻨﺎن ﺣﺘﻰ ١٠,٠٠٠رﻳﺎل ﺳﻌﻮدي ﻣﻊ اﻣﻜﺎﻧﻴﺔ اﺿﺎﻓﺔ ﺗﻘﻮﻳﻢ اﺳﻨﺎن واﻟﺘﺮﻛﻴﺒﺎت ﺗﻐﻄﻴﺔ أﻛﺜﺮ ﻣﻦ اﻟﺤﺪ اﻋﻠﻰ اﻟﻤﻄﻠﻮب ﻣﻦ ﻣﺠﻠﺲ اﻟﻀﻤﺎن اﻟﺼﺤﻲ
• ﺣﺪ ﺗﻐﻄﻴﺔ اﻟﻨﻈﺮ ﺣﺘﻰ ٢٠٠٠رﻳﺎل ﺳﻌﻮدي وﻳﺸﻤﻞ اﻟﻤﺰاﻳﺎ اﻟﺘﺎﻟﻴﺔ
• ﺣﺪ ﺗﻐﻄﻴﺔ ﻣﺘﺎﺑﻌﺔ اﻟﺤﻤﻞ واﻟﻮﻻدة اﻟﻄﺒﻴﻌﻴﺔ ﺣﺘﻰ ٣٠٠٠٠رﻳﺎل ﺳﻌﻮدي
• اﺧﻼء ﻓﻲ ﺣﺎﻻت اﻟﻄﻮارئ واﻟﻌﻮدة إﻟﻰ اﻟﻮﻃﻦ ﻣﻦ ﺧﻼل ﺑﺮﻧﺎﻣﺞ Assist America
• اﻟﺪﻓﻊ اﻟﻤﺒﺎﺷﺮ ﻟﻠﻤﺴﺘﺸﻔﻴﺎت ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ
• اﻟﻌﻼج ﻓﻲ ﺑﻠﺪ اﻟﻤﻨﺸﺄ
• اﺧﺘﻴﺎر إﺣﺪى اﻟﺸﺒﻜﺎت اﻟﺨﺎرﺟﻴﺔ:
-دول اﻟﻌﺎﻟﻢ :١ﺷﺒﻜﺔ اﻟﺨﺪﻣﺔ اﻟﺨﺎرﺟﻴﺔ ﺗﺘﻀﻤﻦ اﻟﻮﻻﻳﺎت اﻟﻤﺘﺤﺪة اﻣﺮﻳﻜﻴﺔ وأوروﺑﺎ وﺑﺎﻗﻲ
دول اﻟﻌﺎﻟﻢ
-دول اﻟﻌﺎﻟﻢ :٢ﺷﺒﻜﺔ اﻟﺨﺪﻣﺔ اﻟﺨﺎرﺟﻴﺔ ﻻ ﺗﺘﻀﻤﻦ اﻟﻮﻻﻳﺎت اﻟﻤﺘﺤﺪة اﻣﺮﻳﻜﻴﺔ وأوروﺑﺎ
10
اﻟﻤـﺎﺳﻲ
• اﻟﺤﺪ اﻗﺼﻰ اﻟﺴﻨﻮي ﺣﺘﻰ ﻣﻠﻴﻮن رﻳﺎل ﺳﻌﻮدي
• إﻣﻜﺎﻧﻴﺔ اﺧﺘﻴﺎر اﻟﻤﺴﺘﺸﻔﻴﺎت واﻟﻤﺮاﻛﺰ اﻟﺼﺤﻴﺔ ﺣﺪى ﺷﺒﻜﺎت اﻟﺨﺪﻣﺔ اﻟﻤﺘﻮﻓﺮة )ﺷﺒﻜﺔ
١أو ﺷﺒﻜﺔ (٢
• ﺟﻨﺎح ﻣﻠﻜﻲ أو ﺟﻨﺎح ﻋﺎدي
• ﺗﺤﺪﻳﺪ ﻧﺴﺒﺔ اﻟﻤﺸﺎرﻛﺔ ﻋﻠﻰ ﺣﺴﺐ اﻻﺧﺘﻴﺎرات اﻟﻤﺘﺎﺣﺔ أو ﻋﻠﻰ ﺣﺴﺐ ﻣﺎ ﻳﻨﺼﻪ ﻣﺠﻠﺲ
اﻟﻀﻤﺎن اﻟﺼﺤﻲ
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( داﺧﻞ ﺷﺒﻜﺔ اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠
ﻛﺤﺪ اﻋﻠﻰ ﺣﺘﻰ ٧٥رﻳﺎل
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( ﻟﻠﻤﺴﺘﺸﻔﻴﺎت ﺧﺎرج ﺷﺒﻜﺔ اﻟﺤﺪ
ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠ﻛﺤﺪ أﻋﻠﻰ ﺣﺘﻰ ٣٠٠رﻳﺎل
ﻳﻘﺪم اﻟﺒﺮﻧﺎﻣﺞ اﻟﻤﺎﺳﻲ أﻓﻀﻞ اﻟﺨﺪﻣﺎت واﻟﺨﻴﺎرات واﻟﻤﻤﻴﺰات
-ﻣﺒﻠﻎ اﻗﺘﻄﺎع /اﻟﺘﺤﻤﻞ /اﻟﻤﺸﺎرﻛﺔ )ﻋﻴﺎدات ﺧﺎرﺟﻴﺔ( ﻟﺒﺎﻗﻲ ﻣﻘﺪﻣﻲ اﻟﺨﺪﻣﺔ ﺧﺎرج ﺷﺒﻜﺔ
ﻟﺘﺘﻤﺎﺷﻰ ﻣﻊ ﻣﺘﻄﻠﺒﺎت ﻋﻤﻼﺋﻨﺎ اﻟﻜﺮام.
اﻟﺤﺪ ادﻧﻰ اﻟﻤﻮﺣﺪة ٪٢٠ﻛﺤﺪ أﻋﻠﻰ ﺣﺘﻰ ١٠٠رﻳﺎل
• ﺣﺪ ﺗﻐﻄﻴﺔ اﻻﺳﻨﺎن ﺣﺘﻰ ١٠,٠٠٠رﻳﺎل ﺳﻌﻮدي ﻣﻊ اﻣﻜﺎﻧﻴﺔ اﺿﺎﻓﺔ ﺗﻘﻮﻳﻢ اﺳﻨﺎن واﻟﺘﺮﻛﻴﺒﺎت ﻋﺪة اﺧﺘﻴﺎرات ﻣﺘﺎﺣﺔ ﻟﻌﻤﻼﺋﻨﺎ ﺑﺪأ ﻣﻦ ﻗﺎﺋﻤﺔ اﻟﻤﺴﺘﺸﻔﻴﺎت وﻣﺮورا ً
ﺑﺈﺿﺎﻓﺔ ﺧﺪﻣﺎت ﺗﻐﻄﻴﺔ إﺿﺎﻓﻴﺔ ﻣﺜﻞ ﺟﺮاﺣﺔ اﻟﻠﻴﺰك .اﻟﺒﺮﻧﺎﻣﺞ اﻟﻤﺎﺳﻲ
• ﺣﺪ ﺗﻐﻄﻴﺔ اﻟﻨﻈﺮ ﺣﺘﻰ ٢٠٠٠رﻳﺎل ﺳﻌﻮدي ﻳﻘﺪم ﺣﺪود ﺗﻐﻄﻴﺔ أﻛﺜﺮ ﻣﻦ اﻟﺤﺪ اﻋﻠﻰ اﻟﻤﻄﻠﻮب ﻣﻦ ﻣﺠﻠﺲ
• ﺣﺪ ﺗﻐﻄﻴﺔ ﻣﺘﺎﺑﻌﺔ اﻟﺤﻤﻞ واﻟﻮﻻدة اﻟﻄﺒﻴﻌﻴﺔ ﺣﺘﻰ ٣٠٠٠٠رﻳﺎل ﺳﻌﻮدي اﻟﻀﻤﺎن اﻟﺼﺤﻲ وﻳﺸﻤﻞ اﻟﻤﺰاﻳﺎ اﻟﺘﺎﻟﻴﺔ:
• اﺧﻼء ﻓﻲ ﺣﺎﻻت اﻟﻄﻮارئ واﻟﻌﻮدة إﻟﻰ اﻟﻮﻃﻦ ﻣﻦ ﺧﻼل ﺑﺮﻧﺎﻣﺞ Assist America
• اﻟﺪﻓﻊ اﻟﻤﺒﺎﺷﺮ ﻟﻠﻤﺴﺘﺸﻔﻴﺎت ﺧﺎرج اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴﻌﻮدﻳﺔ
• اﻟﻌﻼج ﻓﻲ ﺑﻠﺪ اﻟﻤﻨﺸﺄ
• اﺧﺘﻴﺎر إﺣﺪى اﻟﺸﺒﻜﺎت اﻟﺨﺎرﺟﻴﺔ:
-دول اﻟﻌﺎﻟﻢ :١ﺷﺒﻜﺔ اﻟﺨﺪﻣﺔ اﻟﺨﺎرﺟﻴﺔ ﺗﺘﻀﻤﻦ اﻟﻮﻻﻳﺎت اﻟﻤﺘﺤﺪة اﻣﺮﻳﻜﻴﺔ وأوروﺑﺎ وﺑﺎﻗﻲ
دول اﻟﻌﺎﻟﻢ
-دول اﻟﻌﺎﻟﻢ :٢ﺷﺒﻜﺔ اﻟﺨﺪﻣﺔ اﻟﺨﺎرﺟﻴﺔ ﻻ ﺗﺘﻀﻤﻦ اﻟﻮﻻﻳﺎت اﻟﻤﺘﺤﺪة اﻣﺮﻳﻜﻴﺔ وأوروﺑﺎ
• إﻣﻜﺎﻧﻴﺔ إﺿﺎﻓﺔ ﺧﺪﻣﺔ اﻟﻌﻼج اﻟﺨﺎرﺟﻲ اﻟﺴﻴﺎﺣﻲ ﻛﺠﺰء ﻣﻦ اﻟﺘﻐﻄﻴﺔ اﻟﺨﺎرﺟﻴﺔ
• إﻣﻜﺎﻧﻴﺔ إﺿﺎﻓﺔ ﺗﻐﻄﻴﺔ ﻋﻼﺟﻴﺔ إﺿﺎﻓﻴﺔ ﻣﺜﻞ ﺟﺮاﺣﺔ اﻟﻠﻴﺰك واﻻﺿﻄﺮاب اﻟﺨﻠﻘﻲ
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ﺑﺮاﻣﺞ ﻋﻨﺎﻳﺔ
ﺗﻘﺪم ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﺑﺮاﻣﺞ ﻟﻠﺘﺄﻣﻴﻦ اﻟﺼﺤﻲ واﻟﺘﻲ ﺗﺘﻤﺎﺷﻰ ﻣﻊ ﻣﺘﻄﻠﺒﺎت ﻣﺠﻠﺲ اﻟﻀﻤﺎن اﻟﺼﺤﻲ وﺗﻠﺒﻲ ﺟﻤﻴﻊ اﺣﺘﻴﺎﺟﺎت
.اﻟﺴﻮق اﻟﺴﻌﻮدي
ﺗﺨﺘﻠﻒ ﺑﺮاﻣﺠﻨﺎ ﻣﻦ ﻧﺎﺣﻴﺔ ﺗﻐﻄﻴﺔ اﻟﺸﺒﻜﺎت داﺧﻠﻴﺎ و ﺧﺎرﺟﻴﺎ و ﻧﻮع اﻟﻐﺮف و ﻣﻤﻴﺰات اﻟﺘﻐﻄﻴﺔ ﻋﻦ ﻃﺮﻳﻖ اﻻﺧﺘﻴﺎرات اﻟﻤﻘﺪﻣﺔ ﻣﻦ
.ﻋﻤﻼﺋﻨﺎ ﻣﻊ اﻣﻜﺎﻧﻴﺔ ﺗﻘﺪﻳﻢ ﺗﻐﻄﻴﺔ اﺿﺎﻓﻴﺔ ﻣﺜﻞ ﺟﺮاﺣﺔ اﻟﻠﻴﺰك و اﻻﺿﻄﺮاب اﻟﺨﻠﻘﻲ
ﻧﻘﺪم ﻟﻠﺸﺮﻛﺎت اﻟﺘﻲ ﺗﻔﻀﻞ اﻟﺤﺼﻮل ﻋﻠﻰ وﺛﻴﻘﺔ ﺗﺄﻣﻴﻦ ﺻﺤﻲ ﺧﻴﺎرات ﻣﺮﻧﺔ ﻣﻊ ﺗﻘﺪﻳﻢ ﺗﻐﻄﻴﺔ ﻣﺨﺘﻠﻔﺔ ﻟﺠﻤﻴﻊ اﻟﻔﺌﺎت
.اﻟﻤﻄﻠﻮﺑﺔ ﺣﺴﺐ رﻏﺒﺔ اﻟﻌﻤﻴﻞ
Member Name Member Name Member Name Member Name Member Name
Company Name Company Name Company Name Company Name Company Name
Membership No.: 500000 Policy No.: 1000 Membership No.: 500000 Policy No.: 1000 Membership No.: 500000 Policy No.: 1000 Membership No.: 500000 Policy No.: 1000 Membership No.: 500000 Policy No.: 1000
ID No.: 1234567891 Class: VIP ID No.: 1234567891 Class: A ID No.: 1234567891 Class: B ID No.: 1234567891 Class: C ID No.: 1234567891 Class: CL
Age: 30 Pre-Approval Above: SR 1000 Age: 30 Pre-Approval Above: SR 1000 Age: 30 Pre-Approval Above: SR 1000 Age: 30 Pre-Approval Above: SR 1000 Age: 30 Pre-Approval Above: SR 1000
Gender: M Co-Pay OPD: 20% max up to SR 100 Gender: M Co-Pay OPD: 20% max up to SR 100 Gender: M Co-Pay OPD: 20% max up to SR 100 Gender: M Co-Pay OPD: 20% max up to SR 100 Gender: M Co-Pay OPD: 20% max up to SR 100
100 Expiry Date: 01/01/2018 100 Expiry Date: 01/01/2018 100 Expiry Date: 01/01/2018 100 Expiry Date: 01/01/2018 100 Expiry Date: 01/01/2018
Network: 1 Maternity: N Network: 3 Maternity: N Network: 5 Maternity: N Network: 7 Maternity: N Network: 9 Maternity: N
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ﺗﻐﻄﻴﺔ اﻟﻨﻈﺎرات اﻟﻄﺒﻴﺔ: ﺗﻐﻄﻴﺔ اﻟﻤﺮاﻓﻖ:
وﺗﺸﻤﻞ اﻟﺘﻐﻄﻴﺔ ،اﻟﻜﺸﻒ ،واﺧﺘﺒﺎر اﻟﻨﻈﺮ ،وﻋﻤﻞ اﻟﻨﻈﺎرة إذا ﻛﺎن ﻟﺪﻳﻚ ﻃﻔﻞ ﺗﺤﺖ ١٢ﺳﻨﺔ ،ﻓﺴﺘﺘﺤﻤﻞ ﻋﻨﺎﻳﺔ
اﻟﻄﺒﻴﺔ ﺑﻤﺎ ﻓﻴﻬﺎ اﻃﺎر واﻟﻌﺪﺳﺎت اﻟﻄﺒﻴﺔ اﻟﻌﺎدﻳﺔ. اﻟﺴﻌﻮدﻳﺔ ﺗﻜﺎﻟﻴﻒ إﻗﺎﻣﺔ ﻣﺮاﻓﻖ ﻣﻊ اﻟﻄﻔﻞ أﺛﻨﺎء ﻓﺘﺮة
إﻗﺎﻣﺘﻪ ﻓﻲ اﻟﻤﺴﺘﺸﻔﻰ.
ﺗﻐﻄﻴﺔ اﺳﻨﺎن:
وﺗﺸﻤﻞ اﻟﻜﺸﻒ ،واﺷﻌﺔ اﻟﺴﻴﻨﻴﺔ ،واﻟﺨﻠﻊ اﻟﻌﺎدي
واﻟﺠﺮاﺣﻲ ،وﻋﻼج اﻟﺠﺬور ،واﻟﺤﺸﻮ اﻟﻤﻌﺪﻧﻲ اﻟﺒﺴﻴﻂ
واﻟﻤﺮﻛﺐ ،وﻋﻼج اﻟﻠﺜﺔ اﻟﺒﺴﻴﻂ ،وادوﻳﺔ اﻟﻤﻮﺻﻮﻓﺔ و
ﺗﻨﻈﻴﻒ اﺳﻨﺎن ﻣﺮة واﺣﺪة ﺧﻼل اﻟﺴﻨﺔ اﻟﺘﻌﺎﻗﺪﻳﺔ.
ﻋﻼج اﻟﺤﺎﻻت اﻟﻄﺎرﺋﺔ: اﻟﺪﻓﻊ اﻟﻤﺒﺎﺷﺮ:
اﻟﺘﻤﺘﻊ ﺑﺘﻐﻄﻴﺔ ﺗﺼﻞ إﻟﻰ ٪ ١٠٠ﻣﻦ اﻟﺤﺪ اﻟﺴﻨﻮي اﻟﻤﺨﺼﺺ ﻣﻴﺰة ﻋﺪم اﻟﺴﺪاد اﻟﻤﻤﻨﻮﺣﺔ ﻟﻠﺸﺨﺺ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻪ ﻓﻲ
ﻟﻚ ﻟﺨﺪﻣﺎت ﺗﻐﻄﻴﺔ اﻟﻄﻮارئ اﻟﻤﺘﺎﺣﺔ ﺧﺎرج اﻟﺸﺒﻜﺔ ،ﻣﻊ ﻣﻜﺎن ﻣﻘﺪم اﻟﺨﺪﻣﺔ اﻟﻤﺤﺪد ﻣﻦ ﻗﺒﻞ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ
ﻣﺮاﻋﺎة اﻟﺘﻐﻄﻴﺔ اﻗﻠﻴﻤﻴﺔ ﺑﺤﺴﺐ ﻣﺎ ﻫﻮ ﻣﻮﺿﺢ ﻓﻲ ﺣﻴﺚ ﻳﺘﻢ ﺗﺤﻤﻴﻞ اﻟﻨﻔﻘﺎت ﻛﻠﻬﺎ ﻋﻠﻰ ﻓﺎﺗﻮرة ﻋﻨﺎﻳﺔ
اﻟﺠﺪول اﻟﻤﺮﻓﻖ اﻟﺨﺎص ﺑﺎﻟﻤﻨﺎﻓﻊ. اﻟﺴﻌﻮدﻳﺔ.
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وﻟﻤﺰﻳﺪ ﻣﻦ اﻟﻤﻌﻠﻮﻣﺎت ﻳُﺮﺟﻰ اﻻﺗﺼﺎل ﺑﻨﺎ ﻛﻤﺎ ﻫﻮ ﻣﻮﺿﺢ أدﻧﺎه:
ﻫﺎﺗﻒ ﻣﻦ داﺧﻞ اﻟﺴﻌﻮدﻳﺔ - ٨٠٠ ٣٠ ١٠٠ ٣٠ﻣﻦ ﺧﺎرج اﻟﺴﻌﻮدﻳﺔ + ٩٦٦ ٩٢ ٠٠٠ ٤١ ٢٢
@saudi_enaya sa.enaya saudi.enaya www.saudienaya.com
اﻟﻌﻨﻮان ﺣﻲ اﻟﺮوﺿﺔ – ﺷﺎرع اﻣﻴﺮ ﺳﻠﻄﺎن – ﻣﺒﻨﻰ ﺷﺮﻛﺔ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ
اﻟﻌﻨﻮان اﻟﻮﻃﻨﻲ ٣٥٢٨٨٤٣٣ :وﺣﺪة – ١ﺟﺪه – اﻟﺮﻣﺰ اﻟﺒﺮﻳﺪي ٢٣٤٣٥اﻟﺮﻣﺰ اﺿﺎﻓﻲ ٢٠٨٣
ﻣﻼﺣﻈﺔ :اﻟﺮﺟﺎء اﻻﺣﺘﻔﺎظ ﺑﻤﻌﻠﻮﻣﺎت اﺗﺼﺎل ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﻋﻠﻰ ﻫﺎﺗﻔﻚ اﻟﻤﺤﻤﻮل ،ﻟﻠﺤﺼﻮل ﻋﻠﻰ اﻟﻤﺴﺎﻋﺪة اﻟﻔﻮرﻳﺔ.
أﻫ ً
ﻼ ﺑﻜﻢ أﻋﻀﺎء ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ
إﻧﻪ ﻟﻤﻦ دواﻋﻲ ﺳﺮورﻧﺎ أن ﺗﻨﻀﻢ إﻟﻰ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ وﻧﺘﺸﺮف ﺑﺎﺧﺘﻴﺎرك ﻟﻌﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ ﻛﺸﺮﻳﻚ ﻟﻚ ﻓﻲ اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ،
ﻫﺪﻓﻨﺎ ﻫﻮ أن ﻧﻘﺪم ﻟﻚ أﻓﻀﻞ اﻟﺨﺪﻣﺎت اﻟﺘﻲ ﺗﻠﺒﻲ اﺣﺘﻴﺎﺟﺎﺗﻚ.
وﻧﺪﻋﻮك ﻟﻘﺮاءة دﻟﻴﻞ اﻟﻌﻀﻮﻳﺔ ﺑﻌﻨﺎﻳﺔ واﻟﺬي ﻳﺤﺘﻮي ﻋﻠﻰ ﻛﺎﻓﺔ اﻟﻤﻌﻠﻮﻣﺎت اﻟﺘﻲ ﻣﻦ ﺷﺄﻧﻬﺎ أن ﺗﺴﺎﻋﺪك ﻟﻤﻌﺮﻓﻪ أﻓﻀﻞ ﻣﻤﻴﺰات
ﻋﻀﻮﻳﺘﻚ ،ﺣﻴﺚ ﻳﻮﻓﺮ اﻟﻤﻌﻠﻮﻣﺎت اﺳﺎﺳﻴﺔ وﻓﻮاﺋﺪ اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ اﻟﺨﺎﺻﺔ ﺑﻚ.
وﻫﺬا اﻟﺪﻟﻴﻞ ﻳﺴﺎﻋﺪك ﻋﻠﻰ اﻻﺳﺘﻔﺎدة ﻣﻦ ﺟﻤﻴﻊ اﻟﺨﺪﻣﺎت اﻟﻤﻘﺪﻣﺔ ﻣﻦ ﻋﻨﺎﻳﺔ اﻟﺴﻌﻮدﻳﺔ وﻣﻌﺮﻓﺔ ﺟﻤﻴﻊ ﻣﻤﻴﺰات اﻟﺘﻐﻄﻴﺔ
اﻟﺨﺎﺻﺔ ﺑﻚ.
دﻟﻴـﻞ اﻋـﻀـﺎء
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