Medical insurance
Medical insurance pays for treatment at hospitals and clinics in the insurer's network, from emergencies and hospital stays to outpatient visits, depending on the plan. We arrange plans for individuals, families, visitors to Qatar and domestic workers. We get offers from QCB-licensed insurers, explain networks, limits, co-payments and waiting periods, and follow your claims with the insurer.
In QatarUnder Law No. 22 of 2021, employers must provide health cover for expatriate employees, and visitors to Qatar have needed health insurance since 1 Feb 2023, with some exemptions set by the Ministry of Public Health.
- Offers from several insurers licensed in Qatar
- Direct billing at network hospitals and clinics
- Cover in Qatar, the GCC or worldwide
- We follow reimbursement claims with the insurer
Cover at a glance
- Emergency treatment and ambulance
- Inpatient care, hospital stays and surgery
- Outpatient care: clinic visits, tests and medicines (policy dependent)
- Maternity care (policy dependent)
- Dental and optical care (policy dependent)
- Treatment outside Qatar (policy dependent)
Cover
What is covered
- Emergency treatment and ambulance
- Inpatient care, hospital stays and surgery
- Outpatient care: clinic visits, tests and medicines (policy dependent)
- Maternity care (policy dependent)
- Dental and optical care (policy dependent)
- Treatment outside Qatar (policy dependent)
What is not covered
- Cosmetic treatment that is not medically necessary
- Pre-existing conditions not declared or not accepted by the insurer
- Experimental or unproven treatment
- Treatment during waiting periods set in the policy
- Infertility treatment and IVF
For information only. Final terms and conditions are set by the policy document issued by the insurer.
How to make a claim
Documents you'll need for each type of claim:
Reimbursement for treatment in Qatar
- Copy of Qatar ID (QID) or passport
- Policy number or a copy of the policy
- Medical report from the treating doctor
- Original invoices, receipts and prescriptions
- Bank details (IBAN) for the settlement
Treatment outside Qatar
- Copy of Qatar ID (QID) or passport
- Policy number or a copy of the policy
- Passport copy with entry and exit stamps, or travel tickets
- Medical report from the treating doctor
- Original invoices, receipts and prescriptions
- Bank details (IBAN) for the settlement
Need to make a claim?
Frequently asked questions
My employer gives me health insurance. Do I need my own plan?
Under Law No. 22 of 2021, employers must provide health cover for expatriate employees. A personal plan can cover family members who are not included, or add benefits your work plan lacks, such as a wider network or treatment abroad. We review your current cover and tell you what is missing.
My parents are visiting Qatar. What insurance do they need?
Visitors to Qatar must hold health insurance that covers emergency and accident treatment, with some exemptions set by the Ministry of Public Health depending on the visa type and length of stay. We arrange this cover before the visit from an insurer registered with the Ministry, and we can add wider benefits if you want more than the basic cover.
Can I insure my domestic worker?
Yes. Law No. 15 of 2017 requires employers to provide domestic workers with medical treatment free of charge, and a medical plan helps you meet those costs. We get offers and explain what each plan includes, such as clinic visits, medicines and emergencies.
Are chronic or pre-existing conditions covered?
It depends on the insurer and the plan. Some cover them after a waiting period or up to a set limit, and you must declare them on the insurer's application form. We explain each insurer's terms before you decide.