What is the basic coverage?

 Solidarity First Insurance presents the distinguished Dhamani Program, designed to address the concerns of any employee about losing their medical insurance and that of their family for any reason (such as job loss, retirement, company bankruptcy, etc.). This program can also be utilized by Jordanian expatriates to ensure the continuity of their insurance coverage once they return to their homeland after years of working abroad.

 In simple terms, purchasing this product guarantees the continuity or renewal of medical insurance for any client in the event of any of the situations mentioned above. This product can be converted into a medical insurance policy after two years of continuous coverage under this program, with medical underwriting required only at the time of purchasing this product and not at the time of transition, with no waiting periods at the transition.

 Thus, for a simple annual fee, the client will have peace of mind regarding their retirement, knowing that the premiums for the actual medical insurance policy will be applied according to the rates in effect at the time the product is converted into a medical insurance policy.

 Additional Coverages:

- Coverage for treatment outside Jordan according to the pricing of medical providers within Jordan (minimum pricing as per the 2008 Doctors' Syndicate rates and other rates adopted by the company) and according to the ceilings and general and/or specific coverage limits specified in the contract for emergency cases only.

- Coverage for Mammogram screening related to a medical condition covered by the insurance.

- Coverage for hormonal tests and treatments not related to fertility or growth.

- Coverage for vitamins registered with the Ministry of Health as medication.

- Coverage for Vitamin D tests and treatment (for medical necessity).

- Coverage for Vitamin B12 tests and treatment (for medical necessity).

- Coverage for thyroid diseases.

- Coverage for benign tumors (treatment, surgery) for conditions that arise after the insurance contract takes effect.

- Coverage for heart diseases (laboratory and diagnostic tests, EKG, surgery, catheterization, valves) for conditions covered under the medical insurance contract.

- Coverage for Hepatitis A, B, and C for conditions that arise after the insurance takes effect, with a limit of 400 JOD per case annually.

- Coverage for laser lithotripsy for conditions covered under the medical insurance contract.

- Coverage for spinal diseases and disc surgery for conditions covered under the medical insurance contract.

- Coverage for sedative medications provided they are used to treat a medical condition covered under the insurance contract.

- Coverage for cancer for conditions that arise after the insurance contract takes effect, with a limit of 7,500 JOD per case annually.

- Coverage for medical devices, with an annual limit of 300 JOD per insured person.

- Coverage for non-cosmetic nasal septum deviation and sinusitis for conditions covered under the medical insurance contract.

- Continuity of insurance for insured individuals under the contract after exceeding the age limit specified in the policy.

- Coverage for declared conditions with an annual limit of 750 JOD for outpatient benefits and 3,000 JOD for inpatient benefits.

- Coverage for a number of periodic tests, including:

  (CBC, FBS, B12, Vitamin D, Uric Acid, Total Cholesterol, HDL Cholesterol, LDL Cholesterol, Triglycerides, Creatinine, SGPT, SGOT, TSH, Chest X-Ray, Doctor Consultation)

  in collaboration with the global Jossante Medical Clinics and Laboratories, with a fixed co-payment of 25 JOD paid directly by the insured.

The above program is subject to the terms, conditions, and exclusions of the Takaful insurance contract issued by Solidarity First Insurance. This program complies with Islamic Sharia law.