Can I get individual insurance coverage?
We have different family and individual insurance plans.
What is the process if I want to include my dependents?
Simply ask your HR department to include your spouse and / or children on your policy. 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, in line with the company HR Policy.
Can I add my parents to my health insurance policy?
Only spouses (wives, husbands) and children of the primary policy holder can be included in the insurance policy.
Is Maternity Cover included in my plan?
Maternity coverage is an optional add-on that is selected at the Group level. This means that all members of the Group will have to select the add-on, rather than individuals being able to to request this.
Is there an age limit for Maternity Coverage?
Yes, from 15 to 50 years and the cover is only applicable to married females.
Are Caesarean Sections covered?
Yes, if this maternity benefit is included in your plan, Caesarean Section will be covered subject to the maternity sub-limit mentioned in the table of benefits.
Is Miscarriage covered?
Yes, if this maternity benefit is included in your plan, legal abortion will be covered subject to the maternity sub-limit mentioned in the Table Of Benefits.
What if I give birth outside Qatar?
Coverage will only apply to the territories mentioned in your policy.
What is covered under Dental Benefit?
Please visit our website and click on Dental “Sub-benefit” to view the Dental benefits.
When is pre-authorization required?
QLM approval must be obtained for certain medical procedures/treatments. If your healthcare provider is in the QLM network, they will be required to obtain the pre-approval from QLM. Pre-approval is mandatory for the following:
All hospital admissions and surgical procedures
Outpatient procedures such as: MRI, CT, Endoscopies, physiotherapy
Optional benefits (dental, maternity and optical).
If your healthcare provider is not within the QLM network, it is your responsibility to get QLM approval in advance either by fax or email. Contact our call center on 800 0880 (from within Qatar) or
00974 44533666 (from abroad).
What is the mode of payment for a cash-reimbursement claim?
Based on your preference, payments can be made either through a cheque or through a bank transfer.
What is the maximum time limit to submit my cash claims/invoices?
Claims should be submitted within 30 days from the date of treatment.
When can I receive the payment of the processed claims?
Payment for cash reimbursement of processed claim can be settled within 10 working days from the date of receiving complete claims documents.
How can I get a claim form?
You may download QLM Reimbursement Claim Form from QLM’s website.
How can I find the nearest hospital or specialists?
You can use the “Find Provider” feature in the QLM Mobile App.
What should I do in case of a medical emergency?
You can seek medical care immediately or speak to our 24/7 call centre to assist you with any queries you may have. You must notify us within 24 hours of admission to the hospital.
Do I need a referral to see a specialist or consultant?
No, you can access a specialist or consultant directly.
If my doctor is not part of your network, am I still covered?
Yes you can. Please submit the claim for cash reimbursement.
How will I know if the treatment prescribed for me is covered or not?
Use our mobile app for direct messaging or chat with one of our agents.
Alternatively, contact our call centre on
800 0880 (from within Qatar) or
00974 44533666 (from abroad)
What is the difference between co-payment, deductible & co-insurance?
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.
Co-payment is the percentage of costs the Insured must pay related to Dental, Optical & Maternity related treatments.
Co-insurance is the percentage of patient share applicable for Cash reimbursement claims or specific service provider.
What should I do if I lose my membership card?
You will need to notify your HR department to ask for a replacement. A replacement fee will be levied.
If I do not utilise my policy limit this year, can I use it in the next policy year?
No, there are no rollovers.
What is my policy?
The Insured should have a clear understanding of the Policy/ plan of cover and the benefits included prior to submitting a claim.
When treatments are taken outside the designated QLM Network Provider or when the insured has paid all expenses in full at the service provider, the claim should be submitted to QLM via any of the following routes:
Documents needed for submission:
When filing a claim, please provide all relevant documents including but not limited to the following –
All claims must be submitted within 30 days from the date of service wherein the above mentioned documents are appropriately filled. The insured shall be reimbursed subject to the insured’s policy plan, terms and conditions.
The insured shall be liable for any deductible / co-payment / co-insurance and / or excess that is mentioned in the Benefits of your Policy.
Failure to fully substantiate your claim will result in delayed processing and settlement or may invalidate your claim.
Compassionate Visit Claim Reimbursement
The insured may submit the following but not limited to documents to claim for Air Fare Reimbursement –
Reimbursement Settlement Mode
Reimbursement claims are settled in the following modes:
We have arranged a direct settlement network with certain Medical Providers in certain countries where you can receive treatment for eligible medical conditions on a direct billing basis. Please note you will still be responsible for payment of any co-Insurance or Excess at the time of your appointment.