Medical SME Insurance

This is the best choice for your small or medium-sized business. With Medical SME Insurance, BIB helps you navigate the corporate health insurance costs and plans to ensure that your insurance provider can tailor their offerings just for your business, after reviewing the best options based on costs, coverage, and provider access. With this policy, you can rest assured that your employees will receive the best medical care when they are ill, while remaining worry-free about the costs, thus helping them stay focused on the business while we take care of all the bills. The Medical SME Insurance programs cover: Hospital accommodation costs; • Surgical operations expenses (including doctors’ fees); • Outpatient expenses (including doctors’ fees, x-ray, CT, and MRI diagnostic imaging, lab tests, and the costs of physiotherapy); • And extended coverage for eyeglasses, dental care, pregnancy and delivery, chronic diseases, and pre-existing medical conditions.
Medical SME Insurance

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*Number of Employees should be from 20 to 200 persons.
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  • The following treatments, conditions and medical operations are not covered by this policy
  • Cosmetic surgeries and its treatments, unless it is the result of a physical injury arising from an accident that occurred to the insured while continuing The validity of this contract or breast reconstruction operations following mastectomy in cases of cancer, provided that: The process of excision during the period of insurance coverage with AXA
  • Health services and costs related to surgical treatment
  • Treatment whose efficacy has not been proven or experimental treatment and experiments and examinations that are not medically approved by an entity Official medical recognized, for example, but not limited to the US Food and Drug Administration (FDA).
  • Health services and costs related to the treatment of baldness, hair loss, or wigs, excluding alopecia
  • Health services and supplies for smoking cessation and nicotine addiction treatment programs
  • Treatment and services for sex reassignment, sterilization.
  • Treatment, services and contraceptives.
  • All cases of primary and secondary infertility (including impotence and erectile dysfunction) and none of the Medical examinations, medicines, or surgeries that are used to diagnose and treat infertility, for example, juveniles Ovulation, artificial insemination, embryo transfer, in vitro fertilization, and transfer of eggs and sperm as well The insurance coverage excludes complications resulting from the occurrence of pregnancy by means of assistance
  • Please see that any normal mother or caesarean section for pregnancy will be covered by means of assistance if The pregnancy was covered according to the benefits schedule.
  • The costs of providing and installing any artificial limbs or external devices, and the prosthetic and permanent medical devices or External prosthetics such as, but not limited to (Nepo laser), inhalers and pressure devices Continuous Positive Air (PAP) - (lap Bi) insulin chews and oxygen cylinders
  • Hearing aids, speech aids (electronic larynx), wheelchairs, prosthetics, Graduated Compression Stockings, Surgical Plugs, Orthopedic Braces
  • Treatment and services for cases that resulted from the practice of dangerous sports activities, including but not limited to, Any form of aerial flying, any type of motor racing, water sports, activities Horse riding, mountaineering activities, extreme sports such as judo, boxing, wrestling, bungee jumping, And any professional sports
  • Correction of vision, refractive defects, keratoconus, or hearing or visual aids Costs of related treatments, services, and tests
  • The insurance company will not pay for treatment, or international assistance for medical emergencies, as a result of nuclear contamination, or Biological contamination or chemical contamination, or by participating in a war, invasion, civil war, or riot insurrection, rebellion, revolution, or overthrow of a legitimately elected government regime, explosion of military weapons, operations Military, terrorist incidents, or any event similar to the aforementioned. Coverage does not exclude treatment required as a result of terrorist acts, provided that it does not result from the terrorist act Nuclear, biological, or chemical contamination.
  • Injuries resulting from natural disasters, including but not limited to: earthquakes, hurricanes, and any other Another form of natural disaster
  • Injuries resulting from criminal acts or resistance to authorities by the insured
  • Mental and mental health diseases, advanced disorders and behavioral problems (treatment inside and outside the the hospital)
  • Outpatient medical supplies (including for example: rubber stockings, bandages Compressors, gauze, foot pads, glucose-measuring strips and similar products; Treatment and medication are not described) except for supplies required to provide in-hospital health care services in cases of Medical emergency.
  • Allergy and desensitization testing (except for allergy testing for medicines and preparations used in treatment)
  • Preventive services, including mandatory vaccinations and vaccinations.
  • Services provided by any medical service provider who is a relative of the patient, for example the insured himself or A first degree relative.
  • Enteral feeding (by tube) and other nutritional and electrolyte supplements, unless required by a medical condition Therefore, during the hospitalization period
  • Health care services (related to diagnosis and treatment) for patients with HIV . Human AIDS and its complications, except for the examination that is carried out as part of the hospital’s internal treatment, if it is Part of the mandatory medical protocol prior to treatment. As well as all sexually transmitted diseases caused by a virus HIV-AIDS
  • Any costs for the treatment of birth defects, genetic and genetic conditions, diseases and congenital anomalies and premature babies
  • All cases resulting from the consumption of alcohol, drugs and hallucinogenic substances, including treatment and diagnosis and complications unless directed by a physician.
  • Health care services for senile dementia and Alzheimer's disease
  • Air or ground medical evacuation, unauthorized transportation services, and transportation costs for the insured by means of transportation Other than local licensed ambulances
  • Circumcision/Purification
  • All maternity-related cases of unmarried females, except for those in which it occurs Pregnancy during the marriage of the insured
  • Any treatment, analysis or other procedures provided during the hospital stay, which can be provided through External care without endangering the health of the insured.
  • Any medical examinations or services performed for non-medical purposes such as tests performed for appointment purposes, or Travel, get a license, or get insurance. Routine or periodic medical examinations and medical examinations Genetic screening and genetic testing
  • Any analysis, treatment, or medicinal preparation that is not considered a specific treatment for a particular disease and/or is not prescribed by the attending medical practitioner.
  • All supplies that are not medical treatments, including but not limited to: mouthwash, toothpaste Teeth, lozenges, disinfectants, baby formula, food supplements, skin care products, . Shampoos, soaps, multivitamins, and all devices not primarily intended to improve a medical condition or Injury, including but not limited to: air conditioners, air purifiers, foot supports, exercise equipment And health supplies, and the costs of vitamins are covered only in the case of medical necessity and prescribed by a doctor For severe deficiency of one of the elements
  • Consultation or follow-up with a medical specialist more than once (for the same medical condition) on the same day, unless it was completed Referred by the treating medical practitioner
  • Treatment required as a direct or indirect result of intentional self-injury or attempted suicide
  • All health services for internationally and locally recognized epidemics
  • Treatment of delayed physical or psychological development in children, learning difficulties, or other educational programs for people with Special needs, for example, but not limited to patients with autism, hyperactivity, and treatment of language delays Stammering and conversational sessions
  • Health services practiced by unlicensed health service providers eg clubs and health resorts.
  • Shops that supply and sell eyeglasses that are not licensed by the Ministry of Health and not registered by an authority Egyptian taxes.
  • Any costs related to obtaining, maintaining and supervising the transplanted organ and/or expenses . will be excluded related to it; Any costs related to the donor are not covered except at the time of the organ transplant surgery only inside The hospital excludes the costs of any complications that occur to the donor before, during and after surgery, even if the donor is Ours is insured. Even if the organ transplant is allowed according to the terms of the insurance policy. will not be covered Some transplants based on general constraints (i.e. experimental operations)
  • Any costs related to the occurrence of pregnancy by assisted means and the complications resulting from the occurrence of pregnancy by assisted means. For clarification, please note: that any delivery of pregnancies will be covered by assistive means if they are According to the table of benefits.
  • Abortions for psychological, elective or social reasons.
  • Claims related to treatment the member receives outside of coverage or if the member travels in violation of advice medical even if travel is within the scope of coverage.
  • Any costs related to immunostimulants and associated treatment
  • Costs related to the treatment of sleep-related disorders
  • Deviation of the nasal septum and partial removal of the nasal Concha unless medically necessary and for a non-cosmetic purpose
  • Treatment with compensatory hormones, unless medically indicated (instead of relieving physiological symptoms)