Mutamer Insurance Certificate ‫ﺷﻬﺎﺩﺓ ﺗﻐﻄﻴﺔ ﻣﻨﺎﻓﻊ ﺗﺄﻣﻴﻦ ﺍﻟﻤﻌﺘﻤﺮﻳﻦ‬

Policy No. 015527955488004 ‫ﺭﻗﻢ ﺟـﻮﺍﺯ ﺍﻟﺴـﻔــﺮ‬ 015527955488004 ‫ﺭﻗﻢ ﺍﻟﺒﻮﻟﻴﺼﺔ‬

Name IRUM TAZEB Passport No. IRUM TAZEB ‫ﺇﺳﻢ ﺍﻟﻤﻌﺘﻤﺮ‬
Nationality Pakistan AA7834201 ‫ﺍﻟﺒﺎﻛﺴﺘﺎﻥ‬ ‫ﺍﻟﺠﻨـﺴـــﻴــﺔ‬

Cover Type : : ‫ﻧﻮﻉ ﺍﻟﺘﻐﻄﻴﺔ‬

Umrah Medical & General Accidents - Emergency cases ‫ ﻟﻠﺤﺎﻻﺕ ﺍﻟﻄﺎﺭﺋﺔ‬- ‫ﻃﺒﻴﺔ ﻭﺣﻮﺍﺩﺙ ﻋﺎﻣﺔ ﻟﻠﻤﻌﺘﻤﺮﻳﻦ‬

Period of Insurance : : ‫ﻣﺪﺓ ﺍﻟﺘﺄﻣﻴﻦ‬

30 Days effective from Date of Entry to Kingdom .‫ ﻳﻮﻣﺎ ﻣﻦ ﺗﺎﺭﻳﺦ ﺍﻟﺪﺧﻮﻝ ﻟﻠﻤﻤﻠﻜﺔ‬30

Table of Benifits ‫ﺟـﺪﻭﻝ ﺍﻟـﻤـﻨـﺎﻓـــــﻊ‬

Health Benefits: : ‫ﺍﻟﻤﻨﺎﻓﻊ ﺍﻟﺼﺤﻴﺔ‬

Maximum Limit for Health Benefits: (SR. 100,000 per person. )

a.Hospitalization (Up to maximum limit).
b.Limit of daily room and board for the patient including bed
cost and nursing care, medical visits, and medical supervision
and subsistence services. This includes the cost of
medications and medical supplies that are given according to
the prescription of the doctor (Shared room, a maximum of 600
SR per day).
(.‫ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ ﺍﻟﻮﺍﺣﺪ‬100,000 ) : ‫ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ ﻟﻠﻤﻨﺎﻓﻊ ﺍﻟﺼﺤﻴﺔ‬
.(‫ﺍﻟﻌﻼﺝ ﻓﻲ ﺍﻟﻤﺴﺘﺸﻔﻰ )ﻣﻐﻄﻰ ﺣﺘﻰ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ‬.‫ﺃ‬
‫ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ ﻟﻺﻗﺎﻣﺔ ﻭﺍﻹﻋﺎﺷﺔ ﺍﻟﻴﻮﻣﻲ ﻟﻠﻤﺮﻳﺾ ﺑﻤﺎ ﻓﻲ ﺫﻟﻚ ﺗﻜﻠﻔﺔ ﺍﻟﺴﺮﻳﺮ‬.‫ﺏ‬
.‫ﻭﺍﻟﺮﻋﺎﻳﺔ ﺍﻟﺘﻤﺮﻳﻀﻴﺔ ﻭﺍﻟﺰﻳﺎﺭﺍﺕ ﺍﻟﻄﺒﻴﺔ ﻭﺍﻹﺷﺮﺍﻑ ﺍﻟﻄﺒﻲ ﻭﺧﺪﻣﺎﺕ ﺍﻹﻗﺎﻣﺔ‬
‫ﻳﺸﻤﻞ ﺫﻟﻚ ﺗﻜﻠﻔﺔ ﺍﻷﺩﻭﻳﺔ ﻭﺍﻟﻤﺴﺘﻠﺰﻣﺎﺕ ﺍﻟﻄﺒﻴﺔ ﺍﻟﺘﻲ ﻳﺘﻢ ﺇﻋﻄﺎﺅﻫﺎ ﺣﺴﺐ ﻭﺻﻔﺎﺕ‬
.(‫ ﺳﻌﻮﺩﻱ ﻓﻲ ﺍﻟﻴﻮﻡ‬600 ‫ﺍﻟﻄﺒﻴﺐ )ﻏﺮﻓﺔ ﻣﺸﺘﺮﻛﺔ ﺑﺤﺪ ﺃﻗﺼﻰ‬

c.Limit of daily room and board for a patient companion (Shared ‫ﺣﺪ ﺍﻹﻗﺎﻣﺔ ﻭﺍﻹﻋﺎﺷﺔ ﺍﻟﻴﻮﻣﻲ ﻟﻤﺮﺍﻓﻖ ﺍﻟﻤﺮﻳﺾ )ﻏﺮﻓﺔ ﻣﺸﺘﺮﻛﺔ ﺑﺤﺪ ﺃﻗﺼﻰ‬.‫ﺝ‬
room, a maximum of 150 SR per day). ‫ ﺳﻌﻮﺩﻱ ﻓﻲ ﺍﻟﻴﻮﻡ‬150

d.Expenses of emergency pregnancy and delivery (A maximum
of 5,000 SAR during the policy period).
e.Travel costs of one close family member/caregiver (A
maximum of 5,000 SAR during the policy period).
f.Emergency dental treatment (A maximum of 500 SAR during
the policy period).
g.Treatment of premature born babies (Up to maximum limit of
mother policy).
h.Injuries resulting from traffic accidents (Up to maximum limit
of this policy).
i.Emergency Renal Dialysis costs (Up to maximum limit of this
policy).
j.Medical evacuation inside and outside the Kingdom (Up to
maximum limit of this policy).
k.Corpse repatriation to home country expenses (A maximum of
10,000 SAR during the policy period).
‫ ﺳﻌﻮﺩﻱ‬5,000 ‫ﻣﺼﺎﺭﻳﻒ ﺣﺎﻻﺕ ﺍﻟﺤﻤﻞ ﻭﺍﻟﻮﻻﺩﺓ ﺍﻟﻄﺎﺭﺋﺔ )ﺑﺤﺪ ﺃﻗﺼﻰ‬.‫ﺩ‬
.(‫ﺧﻼﻝ ﻣﺪﺓ ﺍﻟﻮﺛﻴﻘﺔ‬
‫ﻣﺼﺎﺭﻳﻒ ﺍﻟﺴﻔﺮ ﻷﺣﺪ ﺃﻗﺮﺑﺎﺀ ﺍﻟﻤﺮﻳﺾ ﻣﻦ ﺍﻟﺪﺭﺟﺔ ﺍﻷﻭﻟﻰ )ﺑﺤﺪ ﺃﻗﺼﻰ‬.‫ﻫـ‬
.(‫ ﺳﻌﻮﺩﻱ ﺧﻼﻝ ﻣﺪﺓ ﺍﻟﻮﺛﻴﻘﺔ‬5,000
‫ ﺳﻌﻮﺩﻱ‬500 ‫ﻣﺼﺎﺭﻳﻒ ﺣﺎﻻﺕ ﻋﻼﺝ ﺍﻷﺳﻨﺎﻥ ﺍﻟﻄﺎﺭﺋﺔ )ﺑﺤﺪ ﺃﻗﺼﻰ‬.‫ﻭ‬
.(‫ﺧﻼﻝ ﻣﺪﺓ ﺍﻟﻮﺛﻴﻘﺔ‬
‫ﻋﻼﺝ ﺍﻟﻤﻮﺍﻟﻴﺪ ﺍﻟﻤﺒﺘﺴﺮﻳﻦ "ﺍﻟﺨﺪﺝ" )ﺑﻤﺎ ﻻ ﻳﺘﺠﺎﻭﺯ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ ﻟﻮﺛﻴﻘﺔ‬.‫ﺯ‬
. (‫ﺍﻷﻡ‬
.(‫ﺍﻹﺻﺎﺑﺎﺕ ﺍﻟﻨﺎﺟﻤﺔ ﻋﻦ ﺍﻟﺤﻮﺍﺩﺙ ﺍﻟﻤﺮﻭﺭﻳﺔ )ﻣﻐﻄﺎﺓ ﺣﺘﻰ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ‬.‫ﺡ‬
‫ﻧﻔﻘﺎﺕ ﺣﺎﻻﺕ ﻏﺴﻴﻞ ﺍﻟﻜﻠﻰ ﻓﻲ ﺍﻟﺤﺎﻻﺕ ﺍﻟﻄﺎﺭﺋﺔ )ﻣﻐﻄﺎﻩ ﺣﺘﻰ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ‬.‫ﻁ‬
.(‫ﻟﻠﻮﺛﻴﻘﺔ‬
(‫ﺍﻹﺧﻼﺀ ﺍﻟﻄﺒﻲ ﺩﺍﺧﻞ ﻭﺧﺎﺭﺝ ﺍﻟﻤﻤﻠﻜﺔ )ﻣﻐﻄﻰ ﺣﺘﻰ ﺍﻟﺤﺪ ﺍﻷﻗﺼﻰ ﻟﻠﻮﺛﻴﻘﺔ‬.‫ﻱ‬
10,000 ‫ﻣﺼﺎﺭﻳﻒ ﺇﻋﺎﺩﺓ ﺭﻓﺎﺕ ﺍﻟﻤﺘﻮﻓﻰ ﺇﻟﻰ ﻣﻮﻃﻨﻪ ﺍﻷﺻﻠﻲ )ﺑﻤﺎ ﻻ ﻳﺘﺠﺎﻭﺯ‬.‫ﻙ‬
.(‫ﺳﻌﻮﺩﻱ ﻛﺤﺪ ﺃﻗﺼﻰ‬
General Benefits : : ‫ﺍﻟﻤﻨﺎﻓﻊ ﺍﻟﻌﺎﻣﺔ‬

Accidental Death /Death due to Natural disaster: :‫ ﺍﻟﻮﻓﺎﺓ ﺑﺴﺒﺐ ﺍﻟﻜﻮﺍﺭﺙ ﺍﻟﻄﺒﻴﻌﻴﺔ‬/‫ﺍﻟﻮﻓﺎﺓ ﺍﻟﻌﺮﺿﻴﺔ‬
Up to SR. 100,000 per person or the legal blood money subject ‫ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ ﺃﻭ ﺍﻟﺪﻳﺔ ﻣﻊ ﺍﻟﺨﻀﻮﻉ ﻓﻲ ﺫﻟﻚ ﻟﺤﻜﻢ ﻗﻀﺎﺋﻲ‬100,000
to court judgement not exceeding SR. 300,000 for male and SR. .‫ ﺳﻌﻮﺩﻱ ﻟﻺﻧﺎﺙ‬150,000 ‫ ﺳﻌﻮﺩﻱ ﻟﻠﺬﻛﻮﺭ ﻭ‬300,000 ‫ﻻ ﻳﺘﺠﺎﻭﺯ‬
150,000 for female

Accidental Permanent Total Disability: :‫ﺍﻟﻌﺠﺰ ﺍﻟﻜﻠﻲ ﺍﻟﺪﺍﺋﻢ ﺍﻟﻌﺮﺿﻲ‬

Up to SR. 100,000 per person ‫ ﺳﻌﻮﺩﻱ ﻛﺤﺪ ﺃﻗﺼﻰ ﻟﻠﺸﺨﺺ ﺍﻟﻮﺍﺣﺪ‬100,000

Delay or Cancellation Departure Flights from Kingdom of Saudi : ‫ﺗﺄﺧﻴﺮ ﺃﻭ ﺇﻟﻐﺎﺀ ﺭﺣﻼﺕ ﺍﻟﻤﻐﺎﺩﺭﺓ ﻣﻦ ﺍﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬
Arabia :
:‫ ﺳﺎﻋﺎﺕ‬4 ‫ﺍﻟﺘﺄﺧﻴﺮ ﺍﻟﺬﻱ ﻳﺰﻳﺪ ﻋﻦ‬-‫ﺃ‬
A. Delay exceeding 4 hours: ‫ ﺳﻌﻮﺩﻱ ﻟﻜﻞ‬500 ‫ ﺳﻌﻮﺩﻱ ﻓﻲ ﺍﻟﺴﺎﻋﺔ ﺑﺤﺪ ﺃﻗﺼﻰ ﻻ ﻳﺘﺠﺎﻭﺯ‬50
SR. 50 Per hour and maximum up to SR. 500 per ticket ‫ﺗﺬﻛﺮﺓ )ﺳﻴﺘﻢ ﺍﺣﺘﺴﺎﺏ ﺍﻟﺘﻌﻮﻳﺾ ﻣﻦ ﺳﺎﻋﺔ ﺍﻟﺘﺄﺧﻴﺮ ﻣﻦ ﻭﻗﺖ ﺭﺣﻠﺔ ﺍﻟﻄﻴﺮﺍﻥ‬
(Compensation will be calculated from the fifth delayed hour of .(‫ﺍﻟﻔﻌﻠﻲ ﺍﻟﻤﺤﺪﺩ ﻋﻠﻰ ﺃﺳﺎﺱ ﻛﻞ ﺳﺎﻋﺔ‬
the actual scheduled flight time on per hour basis) :‫ ﺇﻟﻐﺎﺀ ﺍﻟﺮﺣﻠﺔ‬-‫ﺏ‬
B. Cancellation : .‫ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ ﺍﻟﻮﺍﺣﺪ‬5,000 ‫ﻣﺎ ﻻ ﻳﺘﺠﺎﻭﺯ‬
Up to 5,000 Saudi Riyal

Repatriation Expenses: :‫ﺇﻋﺎﺩﺓ ﺭﻓﺎﺕ ﺍﻟﻤﺘﻮﻓﻲ ﺇﻟﻰ ﻣﻮﻃﻨﻪ ﺍﻷﺻﻠﻲ‬

Up to SR. 10,000 per person ‫ ﺳﻌﻮﺩﻱ ﻟﻠﺸﺨﺺ ﺍﻟﻮﺍﺣﺪ‬10,000 ‫ﻣﺎ ﻻ ﻳﺘﺠﺎﻭﺯ‬

Deductible: :(‫ﺍﻹﻗﺘﻄﺎﻉ )ﺍﻟﺘﺤﻤﻞ‬

NIL ‫ﻻﺷﺊ‬
Geographic scope of coverage: : ‫ﺍﻟﻨﻄﺎﻕ ﺍﻟﺠﻐﺮﺍﻓﻲ‬
The Kingdom of Saudi Arabia ‫ﺍﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬

Jurisdiction : :‫ﺍﻹﺧﺘﺼﺎﺹ ﺍﻟﻘﻀﺎﺋﻲ‬

Competent Courts of Kingdom of Saudi Arabia.
Main Exclusions:
a. Medical treatment and examinations could be postponed until the
insured returns home.
b. All costs relating to tooth implant, artificial teeth, fixed or mobile
bridges, or orthodontic.
c. Costs of vision or hearing tests, vision correction products or surgery,
or visual or hearing aids.
d. Pregnancy that proves to be of more than six months
e. Natural death of the Insured person or Natural disability.
f. Any action caused by Insured person himself / herself leading to
death / Accidental Permanent Total Disability.
g. Returning dead body of the insured to a country other than his
country of origin.
h. Known delays or delays already reported / published by the Airline.
i. Loss / theft of, or damage to baggage.
j. Consequential loss of any kind including loss of enjoyment or any
financial loss not specifically covered.
k. Flight Cancellation caused by strike or industrial action.
.‫ﺍﻟﻤﺤﻜﻤﺔ ﺍﻟﻤﺨﺘﺼﺔ ﺑﺎﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬
.‫ﺍﻻﺳﺘﺜﻨﺎﺀﺍﺕ ﺍﻟﻤﺤﺪﺩﺓ‬
‫ ﺍﻟﻌﻼﺝ ﻭﺍﻟﻔﺤﻮﺻﺎﺕ ﻏﻴﺮ ﺍﻟﻄﺎﺭﺋﺔ ﺍﻟﺘﻲ ﻳﻤﻜﻦ ﺃﻥ ﺗﺆﺟﻞ ﺣﺘﻰ ﻋﻮﺩﺓ ﺍﻟﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ‬-1
.‫ﺇﻟﻰ ﻭﻃﻨﻪ‬
‫ ﺟﻤﻴﻊ ﺍﻟﺘﻜﺎﻟﻴﻒ ﺍﻟﻤﺘﻌﻠﻘﺔ ﺑﺰﺭﺍﻋﺔ ﺃﻭ ﺗﺮﻛﻴﺐ ﺍﻷﺳﻨﺎﻥ ﺍﻹﺻﻄﻨﺎﻋﻴﺔ ﺃﻭ ﺍﻟﺠﺴﻮﺭ ﺍﻟﺜﺎﺑﺘﺔ ﺃﻭ‬-2
.‫ﺍﻟﻤﺘﺤﺮﻛﺔ ﺃﻭ ﺍﻟﺘﻘﻮﻳﻢ‬
.‫ ﺗﻜﺎﻟﻴﻒ ﺇﺧﺘﺒﺎﺭﺍﺕ ﺗﺼﺤﻴﺢ ﺍﻟﻨﻈﺮ ﺃﻭ ﺍﻟﺴﻤﻊ ﺃﻭ ﺍﻟﺠﺮﺍﺣﺔ ﺃﻭ ﺍﻟﻮﺳﺎﺋﻞ ﺍﻟﺒﺼﺮﻳﺔ ﺃﻭ ﺍﻟﺴﻤﻌﻴﺔ‬-3
.‫ ﺣﺎﻻﺕ ﺍﻟﺤﻤﻞ ﺍﻟﺘﻲ ﻳﺜﺒﺖ ﺣﺪﻭﺛﻬﺎ ﻷﻛﺜﺮ ﻣﻦ ﺳﺘﺔ ﺃﺷﻬﺮ‬-4
‫ ﺍﻟﻮﻓﺎﺓ ﺍﻟﻄﺒﻴﻌﻴﺔ ﻟﻠﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺃﻭ ﺍﻟﻌﺠﺰ ﺍﻟﻄﺒﻴﻌﻲ‬-5
‫ ﺍﻟﻌﺠﺰ‬/ ‫ ﻟﻨﻔﺴﻬﺎ ﻣﻤﺎ ﻳﺆﺩﻱ ﺇﻟﻰ ﺍﻟﻮﻓﺎﺓ‬/ ‫ ﺃﻱ ﺇﺟﺮﺍﺀ ﻳﺘﺴﺒﺐ ﻓﻴﻪ ﺍﻟﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﻟﻨﻔﺴﻪ‬-6
.‫ﺍﻟﻜﻠﻲ ﺍﻟﺪﺍﺋﻢ ﺍﻟﻌﺮﺿﻲ‬
.‫ ﺇﻋﺎﺩﺓ ﺭﻓﺎﺕ ﺍﻟﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺇﻟﻰ ﺑﻠﺪ ﻏﻴﺮ ﻣﻮﻃﻨﻪ ﺍﻷﺻﻠﻲ‬-7
.‫ ﻧﺸﺮﻩ ﺑﺎﻟﻔﻌﻞ ﻣﻦ ﻗﺒﻞ ﺷﺮﻛﺔ ﺍﻟﻄﻴﺮﺍﻥ‬/ ‫ ﺍﻟﺘﺄﺧﻴﺮ ﺍﻟﻤﻌﺮﻭﻑ ﺃﻭ ﺍﻟﺘﺄﺧﻴﺮ ﺍﻟﺬﻱ ﺗﻢ ﺇﺑﻼﻏﻪ‬-8
.‫ ﻓﻘﺪﺍﻥ ﺃﻭ ﺳﺮﻗﺔ ﺃﻭ ﺗﻀﺮﺭ ﺍﻻﻣﺘﻌﺔ‬-9
‫ ﺍﻟﺨﺴﺎﺭﺓ ﺍﻟﺘﺒﻌﻴﺔ ﺃﻳﺎ ﻛﺍﻥ ﻧﻮﻋﻬﺎ ﺑﻤﺎ ﻓﻲ ﺫﻟﻚ ﻓﻘﺪﺍﻥ ﺍﻟﺘﻤﺘﻊ ﺃﻭ ﺍﻟﺨﺴﺎﺭﺓ ﺍﻟﻤﺎﻟﻴﺔ ﻏﻴﺮ ﺍﻟﻤﻐﻄﺎﺓ‬-10
.‫ﻋﻠﻰ ﻭﺟﻪ ﺍﻟﺘﺤﺪﻳﺪ‬
‫ ﺇﻟﻐﺎﺀ ﺍﻟﺮﺣﻼﺕ ﺍﻟﺠﻮﻳﺔ ﺑﺴﺒﺐ ﺍﻷﺿﺮﺍﺑﺎﺕ ﺃﻭ ﺍﻹﺟﺮﺍﺀﺍﺕ ﺍﻟﺼﻨﺎﻋﻴﺔ ﺍﻟﺘﻲ ﺑﺪﺃﺕ ﺃﻭ ﺃﻋﻠﻨﺖ‬-11
.‫ﻗﺒﻞ ﺗﺎﺭﻳﺦ ﺑﺪﺀ ﺳﺮﻳﺎﻥ ﺍﻟﻮﺛﻴﻘﺔ‬

To Read all Benefits & Exclusion ‫ﻟﻺﻃﻼﻉ ﻋﻠﻰ ﻛﺎﻓﺔ ﺍﻟﻤﻨﺎﻓﻊ ﻭﺍﻹﺳﺘﺜﻨﺎﺀﺍﺕ‬
Subject to all specified terms, as per policy conditions ‫ﻣﻊ ﻣﺮﺍﻋﺎﺓ ﺟﻤﻴﻊ ﺍﻟﺸﺮﻭﻁ ﻭﺍﻷﺣﻜﺎﻡ ﺍﻟﻤﺤﺪﺩﺓ ﻭﻓﻘﺎ ﻟﺼﻴﺎﻏﺔ ﺍﻟﺴﻴﺎﺳﺔ ﺍﻟﻜﺎﻣﻠﺔ ﺍﻟﻤﺘﻮﻓﺮﺓ ﻋﻠﻰ ﺍﻟﻤﻮﻗﻊ‬
available at ( www.enaya-ksa.com ) www.enaya-ksa.com
For more information : Contact Total Care Saudi : : ‫ﺍﻟﺘﻮﺍﺻﻞ ﻋﻠﻰ ﺃﺭﻗﺎﻡ ﺷﺮﻛﺔ ﺍﻟﻌﻨﺎﻳﺔ ﺍﻟﺸﺎﻣﻠﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬
:‫ﻟﻺﺳﺘﻔﺴﺎﺭﺍﺕ ﻭﺗﻘﺪﻳﻢ ﺍﻟﻤﻄﺎﻟﺒﺎﺕ‬
From inside the kingdom: 8004400008 8004400008 : ‫ﻣﻦ ﺩﺍﺧﻞ ﺍﻟﻤﻤﻠﻜﺔ‬
From outside the kingdom: 00966138129700 00966138129700 : ‫ﻣﻦ ﺧﺎﺭﺝ ﺍﻟﻤﻤﻠﻜﺔ‬
COVID-19 Assistance Cover Benefits: :‫ﻣﻨﺎﻓﻊ ﺗﻐﻄﻴﺔ ﺍﻟﻤﺴﺎﻋﺪﺓ ﺍﻟﻤﺘﻌﻠﻘﺔ ﺑﻔﻴﺮﻭﺱ ﻛﻮﺭﻭﻧﺎ ﺍﻟﻤﺴﺘﺠﺪ‬
Repatriation Assistance in case the health condition of the insured ‫ﺍﻟﻤﺴﺎﻋﺪﺓ ﻓﻲ ﺍﻟﻌﻮﺩﺓ ﺇﻟﻰ ﺍﻟﻮﻃﻦ ﻓﻲ ﺣﺎﻝ ﺍﺳﺘﺪﻋﺖ ﺍﻟﺤﺎﻟﺔ ﺍﻟﺼﺤﻴﺔ ﻟﻠﻤﺆﻣﻦ ﻟﻪ ﻓﻲ‬
required so. . ‫ﺫﻟﻚ‬

Medical and hospital costs inside Kingdom of Saudi Arabia related to ‫ﺗﻜﺎﻟﻴﻒ ﺍﻟﻌﻼﺝ ﻭﺍﻟﻤﺴﺘﺸﻔﻰ ﻓﻲ ﺍﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ ﺍﻟﻤﺘﻌﻠﻘﺔ ﺑﻌﻼﺝ ﻓﻴﺮﻭﺱ‬
treatment of COVID-19 ‫ﻛﻮﺭﻭﻧﺎ ﺍﻟﻤﺴﺘﺠﺪ‬
(Up to SR. 650,000). . (‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ‬650,000 ‫)ﻣﺎﻻ ﻳﺘﺠﺎﻭﺯ‬

Accommodation costs related to COVID-19 quarantine : : ‫ﺗﻜﺎﻟﻴﻒ ﺍﻹﻗﺎﻣﺔ ﺑﺎﻟﺤﺠﺮ ﺍﻟﺼﺤﻲ‬

SR.450 per day per covered person for a maximum of 14 days. ‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻤﺪﺓ‬450 ‫ﻋﻦ ﻛﻞ ﻳﻮﻡ ﻭﻟﻜﻞ ﺷﺨﺺ ﺧﺎﺿﻊ ﻟﻠﺘﻐﻄﻴﺔ ﺍﻟﺘﺄﻣﻴﻨﻴﺔ‬
.‫ ﻳﻮﻡ‬14 ‫ﺃﻗﺼﺎﻫﺎ‬

Assistance in the event of an covered person's death: : ‫ ﺟﺎﺋﺤﺔ ﻓﻴﺮﻭﺱ ﻛﻮﺭﻭﻧﺎ ﺍﻟﻤﺴﺘﺠﺪ‬/ ‫ﺍﻟﻤﺴﺎﻋﺪﺓ ﻓﻲ ﺣﺎﻟﺔ ﻭﻓﺎﺓ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﻧﺘﻴﺠﺔ ﻟﻮﺑﺎﺀ‬
. ‫ ﻧﻘﻞ ﺍﻟﺠﺜﻤﺎﻥ ﺇﻟﻰ ﺑﻠﺪ ﺍﻹﻗﺎﻣﺔ‬-
In case of COVID-19 epidemic/pandemic: .(‫ ﺭﻳﺎﻝ ﺳﻌﻮﺩﻱ ﻟﻜﻞ ﻓﺮﺩ‬6,500 ‫ ﺗﻜﺎﻟﻴﻒ ﺍﻟﺠﻨﺎﺯﺓ ) ﺣﺘﻰ‬-
- Transporting the body to home country or country of
residence.
- Funeral cost (Up to SR.6,500 per person).

Deductible: :(‫ﺍﻹﻗﺘﻄﺎﻉ )ﺍﻟﺘﺤﻤﻞ‬

NIL ‫ﻻﺷﺊ‬
Geographic scope of coverage: : ‫ﺍﻟﻨﻄﺎﻕ ﺍﻟﺠﻐﺮﺍﻓﻲ‬
The Kingdom of Saudi Arabia ‫ﺍﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬

Jurisdiction : :‫ﺍﻹﺧﺘﺼﺎﺹ ﺍﻟﻘﻀﺎﺋﻲ‬

Competent Courts of Kingdom of Saudi Arabia. .‫ﺍﻟﻤﺤﻜﻤﺔ ﺍﻟﻤﺨﺘﺼﺔ ﺑﺎﻟﻤﻤﻠﻜﺔ ﺍﻟﻌﺮﺑﻴﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬
Main Exclusions: : ‫ﺍﻻﺳﺘﺜﻨﺎﺀﺍﺕ ﺍﻟﻤﺤﺪﺩﺓ‬
a) COVID-19 PCR testing expenses. .‫ ( ﻟﻔﻴﺮﻭﺱ ﻛﺮﻭﻧﺎ ﺍﻟﻤﺴﺘﺠﺪ‬PCR ) ‫ ﻧﻔﻘﺎﺕ ﺇﺧﺘﺒﺎﺭ ﺍﻟﺒﻲ ﺳﻲ ﺁﺭ‬.‫ﺃ‬
b) Flight delay / cancelation. . ‫ ﺇﻟﻐﺎﺀ ﺍﻟﺮﺣﻼﺕ‬/ ‫ ﺗﺄﺧﻴﺮ‬.‫ﺏ‬
c) Expenses incurred without the prior approval of the Assistance .‫ ﺍﻟﺨﺪﻣﺎﺕ ﻭ ﺍﻟﻨﻔﻘﺎﺕ ﺍﻟﺘﻲ ﻟﻢ ﺗﻧﻈﻤﻬﺎ ﺇﺩﺍﺭﺓ ﺍﻟﻤﺴﺎﻋﺪﺓ‬.‫ﺕ‬
Department.
‫ ﻋﻨﺪﻣﺎ ﻳﺴﺎﻓﺮ ﺍﻟﺸﺨﺺ ﺍﻟﻤﺆﻣﻦ ﻟﻪ ﺇﻟﻰ ﻭﺟﻬﺔ ﺑﻤﺎ ﻳﺨﺎﻟﻒ ﻗﺮﺍﺭ ﺣﻈﺮ ﺍﻟﺴﻔﺮ‬.‫ﺙ‬
d) The Insured travel against his/her home country’s government
advice or against local authority ‫ﺍﻟﺼﺎﺩﺭ ﻋﻦ ﺣﻜﻮﻣﺔ ﺑﻠﺪﻩ ﺍﻷﻡ ﺃﻭ ﻗﺮﺍﺭ ﺣﻈﺮ ﺍﻟﺴﻔﺮ ﺍﻟﺼﺎﺩﺭ ﻋﻦ ﺳﻠﻄﺔ ﻣﺤﻠﻴﺔ ﻓﻲ‬
advice at the trip destination. .‫ﺍﻟﺒﻠﺪ ﺍﻟﻤﺘﺠﻪ ﺇﻟﻴﻬﺎ‬
e) Airline personnel and aircrew are not covered under this policy. . ‫ ﻻﺗﺸﻤﻞ ﺍﻟﺘﻐﻄﻴﺔ ﺍﻟﺘﺄﻣﻴﻨﻴﺔ ﻃﺎﻗﻢ ﺍﻟﻄﺎﺋﺮﺓ‬.‫ﺝ‬
f) The eventual results (check-up, additional treatment, recurrence) ‫ ﺍﻧﺘﻜﺎﺳﺔ ( ﻣﻦ ﺩﺍﺀ ﻛﺎﻥ ﺳﺒﺒﺍ ﻓﻲ ﻋﻮﺩﺓ‬،‫ ﻋﻼﺝ ﺇﺿﺎﻓﻲ‬،‫ ﺍﻟﻨﺘﺎﺋﺞ ﺍﻟﻨﻬﺎﺋﻴﺔ ﻟـ )ﻓﺤﺺ‬.‫ﺡ‬
from an ailment which .‫ ﻓﻲ ﻭﻗﺖ ﺳﺎﺑﻖ‬،‫ﺍﻟﺸﺨﺺ ﺇﻟﻰ ﺃﺭﺽ ﺍﻟﻮﻃﻦ‬
previously gave rise to a repatriation. ‫ ﺣﺎﺩﺙ ﺃﻭ ﺇﺻﺎﺑﺔ ﻃﻔﻴﻔﺔ ﻳﻤﻜﻦ ﻋﻼﺟﻬﺎ‬/‫ ﻋﺪﻡ ﺍﻟﻌﻮﺩﺓ ﺇﻟﻰ ﺍﻟﻮﻃﻦ ﺑﺴﺒﺐ ﻋﻮﺍﻗﺐ ﺩﺍﺀ‬.‫ﺥ‬
g) No repatriation due to the consequences of ailments / accidents or ‫ﺑﺎﻟﻤﻮﻗﻊ ﻭﻻ ﺗﺮﺗﺒﻂ ﺑﺠﺎﺋﺤﺔ ﻛﻮﺭﻭﻧﺎ‬
minor injuries that can be
treated at the
location and not relating to COVID-19.

To Read all Benefits & Exclusions : : ‫ﻟﻺﻃﻼﻉ ﻋﻠﻰ ﻛﺎﻓﺔ ﺍﻟﻤﻨﺎﻓﻊ ﻭﺍﻹﺳﺘﺜﻨﺎﺀﺍﺕ‬
Subject to all specified terms, as per policy conditions ‫ﻣﻊ ﻣﺮﺍﻋﺎﺓ ﺟﻤﻴﻊ ﺍﻟﺸﺮﻭﻁ ﻭﺍﻷﺣﻜﺎﻡ ﺍﻟﻤﺤﺪﺩﺓ ﻭﻓﻘﺎ ﻟﺼﻴﺎﻏﺔ ﺍﻟﺴﻴﺎﺳﺔ ﺍﻟﻜﺎﻣﻠﺔ ﺍﻟﻤﺘﻮﻓﺮﺓ ﻋﻠﻰ ﺍﻟﻤﻮﻗﻊ‬
available at ( www.enaya-ksa.com ) www.enaya-ksa.com
For more information : Contact Total Care Saudi : : ‫ﺍﻟﺘﻮﺍﺻﻞ ﻋﻠﻰ ﺃﺭﻗﺎﻡ ﺷﺮﻛﺔ ﺍﻟﻌﻨﺎﻳﺔ ﺍﻟﺸﺎﻣﻠﺔ ﺍﻟﺴﻌﻮﺩﻳﺔ‬
:‫ﻟﻺﺳﺘﻔﺴﺎﺭﺍﺕ ﻭﺗﻘﺪﻳﻢ ﺍﻟﻤﻄﺎﻟﺒﺎﺕ‬
From inside the kingdom: 8004400008 8004400008 : ‫ﻣﻦ ﺩﺍﺧﻞ ﺍﻟﻤﻤﻠﻜﺔ‬
From outside the kingdom: 00966138129700 00966138129700 : ‫ﻣﻦ ﺧﺎﺭﺝ ﺍﻟﻤﻤﻠﻜﺔ‬