Please request your HR Department to include your spouse and child. An eligible child will be covered until the end of the contract year in which he/she reaches age 18, and can be extended up to age of 23 years if a full time student and subject to be in line with the company HR Policy
Upgrading your plan is only allowed if you as a principal member have been promoted from your current post and is eligible for a higher plan according to the new designation. All dependents will be in the same category of the principal insured.
At present, we are offering Health insurance solutions to corporate customers only.
Maternity coverage is an optional cover that is opted for on the level of the plan/Group. If the plan you are affiliated to is having that additional coverage, automatically maternity will be added to all married insured females aging from 15 to 50 years old. If the benefit is not available for your current plan, if cannot be added later a on selection basis.
Employee’s spouse and children are the only dependents that can be enrolled in the insurance policy.
Yes, from 15 to 50 years and the cover is applicable only for married females.
Yes, if maternity benefit is included in your plan, Caesarean Section will be covered subject to the maternity sub-limit mentioned in the table of benefits.
Yes, if the maternity benefit is included in your plan, legal abortion will be covered subject to the maternity sub-limit mentioned in the Table Of Benefits.
Yes, if the maternity benefit is included in your plan, maternity complications will be covered subject to the maternity sub-limit mentioned in the Table Of Benefits.
Delivery should be done only within the plan’s geographical scope of cover to be covered by the insurance policy.
QLM approval must be obtained for certain medical procedures/treatments. Healthcare provider bears the responsibility to obtain the pre-approval from QLM. Following are some examples for services that require pre-approval:
Please ensure that any expenses for non-emergency “elective” inpatient treatment are agreed by QLM in writing i.e. either by fax/e-mail/letter before any planned treatment is undertaken. Planned inpatient treatment availed without pre-authorisation from QLM may not be eligible for a full refund in accordance with the policy terms and conditions.
Network Provider: Our service provider will arrange for the pre-approvals on your behalf.
Non-Network provider: Please contact our call centre and they will assist you with this.
If the country where you are planning the delivery is covered within the geographical scope of cover, the arrangement shall be as follows:
Based on your preference, payments can be made either through a cheque or through a bank transfer.
Claims should be submitted within 30 days from the date of treatment.
Payment for cash reimbursement of processed claim can be availed within 10 working days from the date of receiving complete claims documents.
You may download QLM Reimbursement Claim Form from QLM’s website.
All cash reimbursements are made in Qatari Riyals.
Please visit www.qlm-online.com and click on “Member” tab and enter your Qatari ID# or Membership# which is mentioned on your membership card. This will enable you to get access to all our online services.
You can seek medical care immediately or speak to our 24/7 call centre to assist you with any queries you may have. You would have to notify us within 24 hours of admission to the hospital. Should you be on a trip outside Qatar, you must immediately call the international call centre number printed at the back of your card.
You can access a specialist or consultant directly.
Please visit our website and click on Dental “Sub-benefit” to view the Dental benefits.
Please visit our website and click on Dental “Sub-benefit” to view the Dental benefits.
No need as long you are covered for orthodontics.
Please visit our website and click on Dental “Sub-benefit” to view the Dental benefits.
You can always contact us for any clarifications or assistance; enquiry and voice message options are enabled through our Mobile App. Alternatively you can contact our call centre at:
E-mail: qlm_medical@qlm.com.qa
TOLL FREE: 800 0880
Outside Qatar: +974 44533666
You can also view the covered benefits in our website.
Certainly, please access our online facility using your Qatari ID # or Membership#.
You may contact our call centre and they will assist you accordingly.
The Insured will have to pay the deductible, co-payment and co-insurance (if any) as has been mentioned in the membership card. For more information, please refer to the Table Of Benefits.
Deductible is the amount of a claim which has to be borne by the Insured before the relevant benefits are payable under the Policy apart from the optional
benefits.
You will need to notify your HR department to ask for a replacement. A replacement fee will be levied.
Please refer to your Table of Benefits.
Please refer to your Table of Benefits.
Please refer to your Table of Benefits.
Please refer to your Table of Benefits.
The sole purpose of this policy is to treat and cure existing medical conditions; hence preventive measures are not covered.
Policy limit of the previous policy year cannot be carried over for the next policy year.
Yes you can. Please submit the claim for cash reimbursement.
You can use “Find Provider” feature in QLM Mobile App.
Your membership card is purely a way to identify you and the payment capability is subject to the coverage of the policy.
Standard & Poor’s has assessed the Financial Strength Rating of QLM Life & Medical Insurance Company QPSC on a stand-alone basis and confirmed “A-” Rating with Outlook stable on January 14th, 2021
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