Business insurance · Health insurance

Group health

Healthcare programmes for your employees and their families with flexible cover levels and managed approvals.

What it covers

Who is it for? For companies and organisations with 10 employees or more.

  • Employees and their families
  • Cover levels by grade
  • Managed medical approvals
  • Reports for the employer
Final cover, limits and exclusions are set by your approved policy.

What the policy usually excludes

  • Conditions expressly excluded in the policy schedule
  • Cosmetic treatment that is not medically necessary
  • Out-of-network medicines and treatment without prior approval

What you need to apply

  • National ID for every insured person
  • Health declaration
  • Employee list and grades for group policies

When something happens

  1. In network: show your card and approval is issued directly
  2. Out of network: submit invoices and reports within 30 days
  3. Bills are settled according to the benefits table

Get a quote for this product

Choose a product, leave your details, and an advisor comes back with your offer.

An Iraqi number such as 07701234567

How to buy

Instant issue applies within the limits underwriting approved; anything above goes to an underwriter and the decision comes back to you in your account.

  1. Choose the product and see the price

    Products sold online show their price at once from the approved tariff; for the others an advisor prepares the offer and contacts you.

  2. Answer the assessment questions

    Short questions about the risk. Anything within the instant limits is accepted on the spot; anything above is reviewed quickly by underwriting.

  3. Accept the contract and pay

    You read the contract in your language, accept it, then pay by card through a licensed payment gateway.

  4. Your policy in your account and inbox

    A digitally signed policy downloads at once and arrives by email, and anyone can verify it by QR code.

Common questions

Do I need prior approval?

For hospital admission and surgery, yes; it is usually issued within hours through the network.

Can family members be added?

Yes, spouse and children on the same policy at premiums by age band.

Group healthGet a quote