For purposes of the policy, recoverable expenses shall mean actual expenses incurred for services, supplies and equipment, which are not excluded under section three of the policy, provided they are prescribed by a licensed physician as a result of an illness suffered by the insured. Said expenses shall be necessary, reasonable and customary in the relevant time and place.

Recoverable expenses shall include:

a. Expenses of medical examination, diagnosis, treatment and medicine as shown in the policy schedule.

b. Expenses of hospitalization, including surgeries, same-day surgeries or treatment and pregnancy and delivery.

c. Treatment of dental and gum diseases and include dental cleaning once during the term of the policy within the limits specified in the policy schedule.

d. Preventive measures, such as vaccinations including seasonal vaccinations and maternity and childcare, in accordance with instructions issued by the Ministry of Health, as provided for in Annexes 1 and 2 attached to the policy.

e. Acute & Non acute (chronic) psychological disorders within the limits specified in the policy schedule.

f. Cases of contagious diseases requiring isolation in hospitals as specified by the Ministry of Health.

g. Alzheimer cases within the limits specified in the policy schedule.

h. Acquired valvular heart disease within the limits specified in the policy schedule.

i. National Newborn Screening Program (NBS) to prevent disabilities, including tests set forth in Annex 3 attached to the policy.

j. Autism cases according to the services provided to autism patients mentioned in annex number (4) within the limits specified in the policy schedule

k. Coverage of the early screening program for hearing disable and the program of critical congenital heart disease for all newborn.

l. Costs of organ harvesting procedures within the limits specified in the policy schedule

m. Disability cases within the limits specified in the policy schedule.

n. Costs of psoriasis treatment.

o. The cost of infant formula for infants in need of medical care up to the age of 24 months, in accordance with the procedures governing the benefit of infant formula clarified in the Annex (5).

p. The costs of coverage of the RSV vaccination program for childrenaccording to the approved MOH vaccination schedule of the RSV clarified in the annex (6)

q. The cost of covering the operation of obesity surgery through the operation of gastric Sleeve only in the event of BMI more than (45) within the limits specified in the policy schedule.

Costs of preparation and repatriation of the corpse of an insured individual to the home country specified in the employment contract.

a. Intentional self-inflicted injury.

b. Illness resulting from abuse of some medicines, stimulants or tranquilizers or from substance abuse.

c. Cosmetic treatment or surgery unless necessitated by a bodily injury not excluded in this section.

d. General examinations, inoculations, drugs or preventive measures not required for medical treatment covered under this policy (excluding preventive measures determined by the Ministry of Health, such as vaccination, maternity and childcare).

e. Treatment received by a beneficiary free of charge.

f. Recreational therapy, general physical health programs and treatment in social welfare institutions.

g. Any illness or injury resulting directly from the insured’s profession.

h. Medically recognized venereal or sexually transmitted diseases.

i. Costs of treatment following diagnosis of HIV or any disease related to HIV, including AIDS and its derivatives, alternatives or other forms.

j. Costs related to tooth implant, dentures, fixed or movable bridges or orthodontic treatment, unless resulting from an accident.

k. Vision or hearing correction tests and visual or hearing aids.

l. The expenses pf the insured transportation within and between cities in the Kingdom by other than licensed mean of transportation.

m. Hair loss, baldness or artificial hair.

n. Allergy tests of any nature, unless relating to medicines prescribed medicine.

o. Equipment, means, drugs and procedures, or hormone treatment aimed at regulating reproduction, contraception, fertility, infertility, impotence, secondary sterility, in-vitro fertilization or any other method of artificial fertilization.

p. Any congenital weakness or deformity unless it is life threatening.

q. Any costs or additional expenses incurred by the beneficiary's companion during a hospital stay, except for hospital room and board charges for one companion such as a mother companying her child aged up to twelve years or whenever medically necessary as assessed by the attending physician.

r. Treatment of acne or any treatment relating to obesity or overweight, excluding covered medicine.

s. Any Treatment of obesity or overweight except the expenses of the operation of gastric Sleeve if body mass index (BMI) exceeds the 45 .

t. Organ or Bone marrow transplant, or implant of artificial organs to replace any organ of the body.

u. Personal risks set forth in Section 1- (Definitions) of this Policy.

v. Alternative medicine procedures and medications.

w. Artificial and ancillary limps except those required by the beneficiary as per a medical decision issued by the health care facility approved by the Council.

x. Natural changes related to menopause, including menstrual disorders.

a. War, invasion, acts of foreign enemy, acts of aggression (whether or not war is declared) or civil war.

b. Ionizing radiations, pollution from radioactive activity of any nuclear fuel or waist resulting from the combustion of nuclear fuel.

c. Radioactive, toxic, explosive or other hazardous properties of any nuclear plant or any of its nuclear components.

d. The insured service or participation in armed forces or police operations.

e. Riots, strike, terrorism or the like.

f. Chemical, biological, or bacteriological incidents or reactions resulting from work injury or occupational hazards.

This policy represents the basic level of insurance cover granted to beneficiaries and shall not be valid unless confirmed by a schedule duly signed by an employee officially authorized by the Company. Likewise, any addition to this policy shall not be valid unless confirmed an endorsement duly signed by an employee officially authorized by the Company.