Retail Medical

Your Retail Medical insurance covers:

• Cost of medical treatment
• Cost of covered services needed to receive medical treatment
• Cost of covered services needed to assist you after receiving medical treatment. We describe these in the insured’s schedule of benefits
• Uncovered treatments are listed in the non-exhaustive exclusions table.

We have agreements with selected medical providers and details are printed in your insurance pack. You may elect to use any of them unless there is a specific reference to an exclusion in the table of benefits. 

To receive treatment, simply present your Seib Insurance card at a provider reception, pay any applicable deductible and proceed to receive your treatment.

Insured members may also elect to receive treatment somewhere else. As long as your treating physician or treatment center is licensed, costs incurred can be submitted to us for reimbursement.

• Original completed claim form or detailed medical report
• Copy of your Seib Insurance medical card
• Original itemized receipt
• Original prescription issued by your licensed physician
• Copy of tests, hospital discharge reports, doctor reports and results
• Copy of your prior approval if available
• Copy of a discharge summary (in case of hospitalization).

• treatment in Qatar: 60 days from treatment date
• treatment outside Qatar: 90 days from treatment date

• Visit your consulting doctor
• Complete the application for chronic prescription medication and get it signed and stamped by the treating physician
• Email the completed form to csr@seibinsurance.com
• In your email, please advise us from which pharmacy you would prefer to collect your medication
• A Seib Insurance customer service officer will process the approval within 1 working day.

The above chronic medication approval process is allowed for up to 3 months in all clinics and up to 6 months at Hamad Medical Center.

Pre-existing condition is an illness, injury, condition, or symptom that originated prior to the insured coverage date (policy enrolment date). This restriction applies to all insured in line with policy wording whether a diagnosed condition is known or unknown to the insured prior to the policy enrolment date; however considered as medically pre-existing (present/manifested in the body prior to the commencement of insurance cover).

Look at the prior approval process in this way:

• Not every treatment requires approval
• Most out-patient services do not require prior approval
• Prior approval is limited to hospital admission (as in-patient) and a few other outpatient services such as physiotherapy, MRI etc. and is also linked to a certain cost schedule
• A medical provider may request prior approval if in doubt of the treatment under your insurance coverage
• In case you experience any delay, please be patient and contact us via our 24/7 helpline on +974 444 55 999

Our claims administrator replies to almost 97% of requests within 20 minutes which helps to:

• Reduce your waiting time at the providers
• Give you the necessary medical attention quicker

Your health is a priority. A medical condition that may lead to disability or loss of life will not wait for our approval. Please let us know a day or two after the admission. This helps us assist you much faster and reduces any future misunderstanding. Wherever you are in the world, Seib Insurance covers you for emergency treatment.

The waiting time for an approval depends on the type of service requested. Generally speaking, the following timings apply:

• 2 – 5 minutes for automatic approvals. This is for consultations, medications, and other straight forward treatment requests such as X-Rays, blood tests and eligible medicine dispensation
• 30 minutes for approvals of minor out-patient day care cases and/or surgeries
• 1 working day for approval of in-patient cases

Documents provided by the clinic/hospital need to be complete in order for the above timings to be met. If the file was submitted incomplete, this could lead to a delay and a breach of the above timings. We urge all insured persons to call our 24/7 helpline number should they feel they are experiencing a delay at any time in order for the team to accelerate the process.

Reasonable & Customary (or R&C) is the average price reimbursed for any eligible treatment in accordance with the healthcare network subscribed to by the policyholder. This is a benchmark used by all insurance companies as a reference of reimbursement on every service. In order to avoid deductions related to this clause, Seib Insurance encourages its insureds to seek treatment within its extensive providers' network, where cover will be at the maximum in accordance with the policy terms and conditions.

Seib Insurance follows an international protocol on claims reimbursement. When a case is within a grey area, we always adjudicate in favor of the insured to ensure maximum fairness. If the case is absolutely not covered and the insured is still left with a doubt, he/she may request for the basis of rejection (or short payment/deductions) and a Seib Insurance customer service representative will explain the reimbursement calculation to the insured by providing policy/clause references justifying the adjudication.

All hospitals follow a procedure that is in line with data protection for their patients. This ‘Patient Confidentiality’ Clause is there to protect the patient in cases where the information is at risk from being shared without his/her consent. In following this rule, most (if not all) clinics, will release information related to medical records, including but not limited to test results and diagnosis, only to the patient him/herself. It is important to understand that this is to protect the patient's privacy within a legal framework followed within international medical norms.

Yes, examples of common exclusions are mentioned within your schedule of benefits. Please refer to your insurance policy wording for all applicable exclusions.

One year (365 days) from the date of policy issuance unless a different period of insurance was agreed with you specifically.

Premium and other charges, if any, are mentioned in the quotation enclosed with your premium document.

Premium is due with your application to arrange and activate the insurance policy. In respect of policy renewals, payment is required prior to the renewal/expiry date. The insurance premiums can be paid by debit card, credit card, bank transfer, online and cash up to QAR 1000 (One Thousand Qatari Riyals) paid at Seib Insurance office. Payment by cheque is accepted however policy activation is subject to realization of the cheque.

The policyholder may cancel the policy by writing to Seib Insurance without penalty during the initial 14 days of coverage, subject to:

• No claims being made during this period 
• All original policy documents and insurance cards being returned to Seib Insurance
• If the cards have been already issued, then a charge of QAR 10.00 per card shall apply

If cancellation occurs after the above period; Seib Insurance will calculate the premium for the period you were insured based on our short period rates as detailed in the insurance contract and subject to no claims incurred.

Should you have a complaint about deficiency in the services or the products offered, please contact our Compliance & AML Manager by phone on the following numbers: (+974) 4402 6807 or (+974) 4402 6888 or by mail to the following postal address: Seib Insurance and Reinsurance Company, P.O. Box 10973, Doha Qatar, or by email to complaints@seibinsurance.com, setting out clearly the exact details of your complaint.

We handle customer complaints fairly, efficiently and with due diligence as per the complaints procedure. If you remain dissatisfied with our response, you have the right to refer the complaint to the QFC Customer Dispute Resolution Scheme either by email to complaints@cdrs.org.qa or by post to “The Customer Dispute Resolution Scheme”, P.O. Box 22989, Doha Qatar.