What we offer under Medical Cover :

• Cashless Health care services
• Inpatient Treatment
• Outpatient Treatment
• Pharmacy Benefits
• Diagnostic Services
• Wide range of Territorial coverage
• Optical, Dental, Maternity Coverage
• Psychiatric, Physiotherapy coverage
• Tailor made policies as per your requirements.

Our Service Standards:

Souqalmal Insurance endeavourers to meet following timelines for different delive

• ID Cards at the time of inception: Separate Identity cards are issued to every member enrolled in the scheme within 4 working days.
• ID Cards during the currency of policy: Cards for new members enrolled are issued to every member within 2 working days.
• Claim payments: Reimbursement claims are paid within 14 working days for 90% of cases.
• Pre Authorization: Requests for elective treatments and in-patient treatments get processed within 30 minutes for 90% of cases.
• Responses to queries: Any query/clarification/request from client will be replied to within 3 working days.

What we offer under Life Cover:

We offer all types of life coverage including Death by Any Cause, Accidental Death Benefit, Permanent Total Disability, Permanent Partial Disability etc. We also extend repatriation benefit.

Our expertise lies in customizing the product as per exact needs of clients, accordingly, we offer WC cover as Top Up to Group Life cover.

We have specially designed Himaya Policy which covers domestic help for medical, life and repatriation covers packaged into one product. This is a uniqu e innovation from Souqalmal Insurance and is very popular product to cover house maid/cooks/gardener etc.

Our Service Standards:

For Life Insurance cases, Medical Underwriting is dealt with as

• Proposals within Free Cover Limit can be accepted at the Level of the Client/ and the Loan disbursement details need to be submitted along with the next months declaration.
• Pre-agreed Medical grid is provided to the Client/ and Medical examination letters can be generated through web portal. Till the enablement of web portal staffs are allocated exclusively for coordinating with the clinics.
• Medical examination letters are triggered within one hour of receipt of intimation from the Client/
• For Sum Insured up to RO 60,000 Underwriting decisions shall be delivered within 6 hrs irrespective of Weekends and or European Holidays.
• Cases requiring Underwriting escalation are replied with the Risk decision within 3 working days.

Claims Handling:

• A Monthly Claim review meeting to discuss Outstanding Claims and requirements to be conveyed.
• A separate Qualified claims resource is allocated exclusively for major clients.
• All communication regarding the claims are answered vide mail on the same day.
• Cases requiring Reinsurance decisions shall be replied within two Working days.
• The decision on claims shall be communicated within 6 working days of complying with the documentation called for.

Our Medical & Life Team:

Souqalmal Insurance is having a strong team of domain experts in it’s Medical & Life team who are having experience of over 20 yrs in life insurance domain. They possess highest level of professional qualifications viz. Fellow of Insurance Institute of India (FIII) to Fellow of CII UK (FCII) to Fellow of Life Office Management USA (FMLI). The team has qualified doctor as well.

Reinsurers have extended underwriting authority to local team which is critical to time efficient servicing of major clients.

There is Underwriting & Claim ’s team for local decisions.

The size and scale of scheme and number of claims getting handled by this team is one of the largest in Emirates.

The team enjoys continuity with many members serving Souqalmal Insurance for 5 yrs to 20 yrs.

Download Section

– L&M Services
– L&M Procedure

– ClaimForm-Disability Credit Life ( 
– ClaimForm-Disability GL
– Group Life Death Claim form New