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insurance-hadi

Insurance Guidelines

  1. Important to Know:
    • What to bring?
      • Valid Insurance Card (Original)
      • Valid Civil ID (Original)
    • Pre - Authorization Requirement:
      • Prior authorization is required for certain tests or procedures. The hospital admission is required to follow the insurance policy’s terms & conditions.
    • Time needed to get an approval from the insurance company?
      • It generally takes 10-20 minutes to approve your insurance, but the approval durations vary depending on your insurance company procedures.
  2. Important contacts:
  3. Coverage Verification:
  4. Working hours:


Insurance accepted at Hadi Clinic:

HADI Hospital has established arrangements with several different types of health care insurers. Review the links below for information relevant to your coverage.

Kindly ensure the availability of your insurance card and a valid identification card to allow us to proceed in your insurance coverage process

Patient who have their insurance coverage with one of the following companies are welcome.
Insurance types accepted at HADI Hospital

AETNA INTERNATIONAL aetna
AL AHLEIA INSURANCE CO. S.A.K.P al-ahelia
ALLIANZ allianz
METLIFE metlife
CIGNA cigna
GLOBEMED LTD globemed
GMC HENNER gmc-services
GULF ELECTRONIC MANAGEMENT SYSTEMS W.L.L gems
GULF INSURANCE GROUP – KUWAIT gig
GULF TAKAFUL INSURANCE CO gulf-takaful
HTH WORLDWIDE hth-wordwide
INTERNATIONAL SOS international-sos
KUWAIT INSURANCE COMPANY kic
MEDNET mednet
NAS ADMINISTRATION SERVICES nas
TAWUNIYA INSURANCE COMPANY tawuniya
NATIONAL TAKAFUL INSURANCE CO nti
NOW HEALTH now-health
SAUDI ARABIAN INSURANCE CO.SAICO saudi-arabian-insurance
WAPMED TPA SERVICES CO wapmed-services


Insurance approvals: pre-certification and prior authorizations

Your HADI Hospital doctor will decide which procedures, tests and other consultations you may need. However, many health plans require pre-certification / Authorization and sometimes predetermination of medical necessity prior to care being rendered. In addition, some services may not be a covered benefit for some plans. Investigating coverage requirements and limits can take up 48 hours, and some services require pre-certification/ Authorization staff to supply photos and medical necessity information to your insurance company.

For example, services that may require pre-certification / Authorization include outpatient and inpatient hospital services, observation services, invasive procedures, CT, MRI, and colonoscopies.

Patients are responsible for knowing the pre-certification / Authorization requirements of their health plans. HADI Hospital highly recommends that you contact your insurance company to determine benefits and coverage.

  • Pre approval portal, Patient APP
  • Contact Details


Why approval may be denied

  • Benefits maximum for this time period has been reached
  • Charges exceed your contracted/legislated fee schedule
  • Claim or service lacks information for payment processing
  • Insufficient or incomplete requested information
  • Lack of authorization or pre-certification prior to services
  • Not covered by this payer or contractor
  • Uncovered services as per the insurance plan or diagnosis code
  • Not medically necessary
  • Service deemed experimental/investigational or not proven to be effective
  • Work-related injury or illness

For further information about insurance please call extension: +965 1828282