We Fit Insurance Program
Your Health, Our Priority.
Total Peace of Mind
Affordable Plans for Your Well-Being".
All In-Patient Daycare & Out Patient Services.
Dental Cover , Maternity ( MOH OP only services ).
Dental Cover , Maternity ( MOH OP only services ).
Life insurance Cover.
Personal Accident Insurance.
Permanent Total Disability PTD accident only.
Permanent Partial Disability ( PPD accident only) : AS per Scale.
Repatriation of Mortal remains ( Expats only) .
Services
Covered Medical Services
1
Hosptial Services
All In-patient , Day Care & Outpatient services , including hospital surgeons , anesthetists & physician’s charges .
2
Pre-existing and Chronic
Treatment of pre-existing & chronic maintenance conditions.
3
Labs and Scans
Cost of Lab investigation , MRI , CT Scans, Ultrasound etc. if prescribed by a medical practitioner.
4
Drugs and Dressings
Cost of drugs & dressings as prescribed by a medical practitioner.
5
24 Hours services
24 hours emergency services.
24 hours Radiology.
6
Covid 19
COVID-19 test forming part of pre hospitalization requirements and for travel purpose at single designated provider subject to pre approval by GU. .
6
Emergency Treatment
Emergency treatment for minor and primary work-related injury on OP care (All secondary care Inpatient case to be referred to Gosi Hospital).
6
Dental Care
Dental Care for Extraction / Amalgam fillings, X-rays, & Medications(All other treatment including RCT, Scaling polishing cleaning not covered).
6
Maternity
As per MOH Tri –semester protocol (applicable for female employees).
Nine (9) Pre Natal visits including ultrasound scan, Lab tests, medicines , Iron & Calcium, and One (1) post delivery checkup.
Some Major Exclusions
Self-inflicted injury. Drugs or substance abuse and the like.
Plastic surgery or cosmetic treatment, Obesity, Alopecia, baldness or wigs.
All costs related to Tests for correction of sight or hearing and audio-visual aids.
Treatments related to psychotherapy, mental or neurotic disorders.
Any congenital deformities, birth defects, blood disorders and treatment related to it.
The cost of collecting donor organs or any administrative costs involved.
Injuries resulting from playing professional sport or from any dangerous sport or activity.
Alternative medicine Homeopathy, Ayurveda, Acupuncture therapies.
Vitamins, Preventive medical examinations /Health Checkups, Genetic Testing.
Road Traffic Accidents: Emergency treatment, Primary & OP care (Secondary & Inpatient cases to be claimed from other Insurance covering these losses).
Work related injuries.
Charges for visiting doctor examination.
Why choose us
Discover the Difference.
00
+
Years of experience
Gulf Union Insurance & Reinsurance Company BSC(c) was incorporated in 1995 pursuant to a Cabinet decision of the Kingdom of Bahrain on 8th May 1994. The company is licensed to underwrite all types of insurance business and to accept reinsurance inwards business.
Insurance market
Bahrain’s domestic insurance market, including both Conventional Insurance and Takaful, comprises of 25 locally incorporated and 11 Overseas Insurance Firms carrying out insurance business in the Kingdom. Despite the increase in no of Companies Gulf Union was able to develop its portfolio to become the second-largest motor portfolio in the market and has the following salient features..
Vission & Mission
Vission - To be the insurer of first choice by offering customer Quality Service.
Mission - Gulf Union strongly believes that only by rendering quality service, customers can be made happy which in turn produces improved results for the company which then serves as a motivating factor for the employees to render still better quality service to the customer. .
Core Values
Integrity.
Responsibility.
Mutual Respect.
Corporate Citizenship.
F.A.Q.
Some of the frequently asked questions clients ask us.
HOW TO RECEIVE MEDICAL SERVICES / MAKING A CLAIM?
IM visits any one of the Medical Provider for medical service.
The member MUST produce the medical card along with the photo identification (CPR) at the reception counter, The member will be referred to a medical practitioner and services will be provided as per the terms and conditions of its Insurance policy.
In the event of In-Patient Services( except emergency cases ) the hospital will inform GEMS for pre approval.
In the event of Out Patient Services( except emergency cases ) exceeding pre-authorization limit shown in the medical id card, the hospital will approach GEMS for pre approval – Maximum waiting period 60 minutes.
Member goes back to reception counter to pay the excess prior to receiving services.
Member visits Pharmacy / Laboratory for the required services.
FOLLOW UP VISIT?
Insured Member may visit the MP for the same medical condition
If the re-visit is within 7 days from its first visit, no further excess will have to be paid by the IM.
If the re-visit is after 7 days or if it is for another medical condition, the member will have to pay excess again as it will be considered as a new visit.
All procedures as per how to receive medical services/ making a claim will be followed
TO CANCEL THE POLICY
The member may discontinue the policy within 30 days from the date of joining the WeFit Program.
The member’s request to withdraw in writing should be addressed to GU.
GEMS CS / GU Policy Team will check for claim utilization.
Full refund in the case of NO Claim.
In the event of claim being incurred or paid within that period No refund is payable.
The policy cannot be cancelled after 30 days from inception of cover.
CHRONIC CONDITIONS MAINTENANCE TREATMENT VISITS?
For Medical conditions like Diabetes, Hypertension etc. one would need monthly medication . This is covered under this program and provided treatment on out patient basis.
Once a member decides on the network provider for Chronic treatment, he/she has to continue with the same provider for any further treatment of that chronic condition/ monthly supply of medicines.
Excess/ deductible for each visit.
Monthly Medications.
quarterly investigations of monitoring the specific conditions only.
