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The history of Shadow Company extends to more than 15 years and with a share market of about 20% in the insurance agents in KSA. It started its work as an agent for Al Tawuniya Insurance Company in 2005 which is one of the most experienced insurance companies in Saudi market. Due to the desire […]

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MY FAMILY (For Saudi families only)

INDIVIDUAL > MEDICAL & TAKAFUL > MY FAMILY (For Saudi families only)

“My Family” Medical Insurance Program

This is an insurance program that provides adequate healthcare for all family members, in compliant with the provisions of Islamic Sharia. The program consists of four categories commensurate with the various members of the community.

“My Family” program covers most of the medical services provided in the outpatient as well as inpatient services, including the expenses of medical examination, diagnosis, medical treatment, medicines, vaccination, pre existing diseases, pregnancy and maternity at the largest approved medical service providers network KSA.

Categories of “My Family” Program

“My Family” program is suitable to all members of the society with its four different categories, namely:

  • My Family Diamond
  • My Family Platinum
  • My Family Golden
  • My Family Silver

The categories of “My Family” program include many of the benefits, privileges and services that are compatible with your needs and that of your family to provide comprehensive medical cover up to a maximum limit of SR 250,000 per person per policy year.

Medical Coverage & Benefits

My Family Diamond

My Family Platinum

My Family Gold

My Family Silver

Maximum policy benefit limit per person every year
SR 250,000
SR 100,000
SR 50,000
SR 30,000
Room & board limit At preferred provider network At non preferred provider network (emergency only)
Private Room SR 600
Private Room SR 600
Shared Room SR 350
Shared Room SR 350
Out-patient doctors fees at preferred provider network
SR 200
SR 150
SR 100
SR 75
Maximum pre-existing benefit sub-limit per person every year (no waiting period)
SR 250,000
SR 100,000
SR 50,000
SR 30,000
Local ambulance services
Covered
Covered
Covered
Covered
Circumcision for newborn male babies
Covered
Covered
Covered
Covered
Ear piercing for newborn female babies
Covered
Covered
Covered
Covered
Vaccinations for children as per MOH specification
Covered
Covered
Covered
Covered
Physiotherapy treatment
Covered (12 Sessions)
Covered (12 Sessions)
Covered (12 Sessions)
Covered (12 Sessions)
Hearing aids / other aids / equipments
1,000 SR
1,000 SR
1,000 SR
1,000 SR
Geographical limits
Within KSA
Outside KSA

Covered
Not Covered

Covered
Not Covered

Covered
Not Covered

Covered
Not Covered
Maximum optical benefit limit Per Person Per Year
1,000 SR
500 SR
300 SR
200 SR
Optical cover benefit limit to:
Optical examination
Covered
Covered
Covered
Covered
lenses once per person per year
Covered
Covered
Covered
Covered
Maximum maternity benefit limit per spouse per year (PSPY)
15,000 SR
10,000 SR
7,000 SR
5,000 SR
Normal delivery Caesarean section/complications
15,000 SR
10,000 SR
7,000 SR
5,000 SR
Legal Abortion/Miscarriage(Pre and post natal care covered under basic limit)
15,000 SR
10,000 SR
7,000 SR
5,000 SR
Maximum dental benefit limit PPPY (basic cover only)
3,000 SR
2,000 SR
1,500 SR
1,000 SR
Dental cover benefit limit to:
Dental consultation
Covered
Covered
Covered
Covered
Extraction non-surgical/surgical
Covered
Covered
Covered
Covered
Amalgam/composite (non-cosmetic) filling
Covered
Covered
Covered
Covered
Root canal treatment
Covered
Covered
Covered
Covered
Gum treatment
Covered
Covered
Covered
Covered
X-rays & prescribed medication in respect of above covers
Covered
Covered
Covered
Covered
Each and every out-patient claim
20%
20%
20%
20%
Each and every in-patient claim
20%
20%
20%
20%

Program Conditions

  • Insurance must include all family members, without exception or selection
  • The Saudi families only can benefit from “My Family” program
  • Coverage begins 30 days after the polaicy issuance
  • Percentage of deductible is 20% per each claim in both outpatient and inpatient cases
  • The insurance provided covers the male until the age of 18 years and females (unmarried / widowed / divorced) until the age of 60 years
  • The program does not allow adding new beneficiaries during the currency of insurance policy with the exception of newborn or new wife
  • The program covers the elderly up to 60 years

Advantages of the program

  1. Medical treatment is available for the Golden Network on all approved medical service providers, which include hospitals and medical centers in all major cities, dispensaries, clinics, pharmacies and optics shops
  2. The insurance premiums can be paid in monthly installments at no extra charge
  3. This insurance covers chronic diseases such as hypertension, diabetes, and pregnancy and delivery expenses since the first month of the inception of cover without a waiting period
  4. It covers vaccinations for children as per schedule decided by the Ministry of Health
  5. Immediate response to medical approvals
  6. The provision of second medical opinion in complicated disease cases
  7. It provides medical assistance around the clock by the Toll Free Phone No. : 920019990