Medical and life insurance

MikeAlderson Member

1POSTS

9 years ago

Can anyone recommend a decent health and life insurere. I want to pay monthly

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legacy Kuwait Expert

3431POSTS

9 years ago

Dear Mike,

insurance is a fickle thing in Kuwait - they trick you with cheap premiums, but then they get you when you use it above a certain number of times a year - i audited an insurance company before so i know the inner dealings.

your best bet is that your company provides you with private medical insurance.

i would not suggest you do it yourself, its a simple mathematical principle:

you pay 250KD for example, coverage up to KD 5,000. sounds good right? factor in that checkups are anywhere between 20-35KD in certain private clinics/hospitals. now also factor in x-rays, MRI's etc.

at the end of the year, they divide the total KD you cost them by the total KD you paid them, they even use a multiplier for the numerator to inflate it some more.

once the ratio exceeds a certain preset criteria, they increase your premium the next year.

so check with your employer if they offer private medical insurance.

yalaa765542 New member

6POSTS

9 years ago

hello dear ,
as legacy mentioned above ,the individual insurance policy in Kuwait is very poor specially if you are suffering from chronic issue.

if there is a chance to do it with a group it will be better*

regards.
yasser.

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