FAQ

What diseases do insurance companies usually exclude from medical insurance?

1 - Cosmetic operations only if the surgery is necessary because of the deformation caused by an accident and surgery performed because of this deformity. 2 - chronic diseases experienced by the person before the validity of the insurance policy, for example diabetes. 3 - routine medical examinations such as employment examination or travel. 4- Doping and vitamins

What documents support the claim for medical insurance?

All documents proving and supporting the age, nationality and identity of the insured person, the validity of the insurance coverage and the circumstances of the event resulting from such claim and reimbursement. Other documents such as invoices, receipts, prescriptions, doctor's report, referral and recommendations and any other original documents May be requested by the company.

What is meant by medical insurance?

Medical insurance (health): is the insurance of medical costs, medicines and all medical and therapeutic services and supplies and management of medical programs.

What types of property can be covered?

Properties that can be secured can be divided into three categories: A. Buildings: The structure of the building and everything attached thereto shall be covered by the insurance policy. B - Machinery and other contents: Everything except inventory that may be inside the warehouse or building. C - Stock: All property owned by the insured or in his custody and the materials and goods held by the enterprise whether owned by it or not.

3. What should I pay attention to when purchasing a comprehensive vehicle insurance policy?

- Coverage limits: The amount of coverage contained in the document or the market value of the vehicle at the time of the accident, whichever is less, represents the maximum liability of the insurance company for compensation. Be sure to inform the company of the real estimated value of your vehicle at the time of insurance. A compensation document and not an enrichment. - Consumption ratio: The idea of ​​depreciation applied to the subject matter of insurance is basically based on the principle of compensation, which aims at placing the insured in the same financial position as before the loss was achieved. This method is widely used by the insurance companies as a means of compensating for the actual value For the damage caused by the covered loss, taking into account the useful life of the spare parts consumed. Example: If a car is damaged, the car will be damaged after six months of insurance, and the value of the car is 100,000 riyals. When purchasing the insurance policy, the insurance company will not compensate the insured for the full amount. For a period of six months. - Deduction of non-claim

What is a comprehensive vehicle insurance policy?

740/5000 fi mithl hadhih alwathayiq yujad jizyayni, aljuz' al'awal yataealaq bial'adrar almutaealiqat biqayid almurakabat ‏walrukkab alakharin wal'adrar almutaealiqat bialmurkabat dhatiha (yghuti almurakabat dida alhariq walsuriqat ‏'idafat lilhawadith aleardia) , fi hyn yataealaq aljuz' alththani bitaghtiat maswuwliat almumin lah tujah ‏alghyr(almmtalakat wal'ashkhas) . mithal : fi halat wuque hadith limurkibatayn fa'iina wathiqat altaamin ‏alshshamil tughatiy jmye al'adrar alty tasababat biha 'aw waqaeat ealayk wataqum alsharikat bidafe jmye ‏tkalif 'iislah sayaratik wa'iislah wataewid al'adrar lil'atraf al'ukhraa alty tasababat biha wakunt ‏msywlaan eanha.‏ ‏ wayumkin tawsie barnamaj tamin almurakabat alshshamil mqabl qist 'iidafiin bihayth yashmal altaghatiyat ‏alttaliat :‏ a- aistijar markabat badilat lilmuaman 'athna' fatrat 'iislah almurakabat almutadarirata.‏ ba- khidmat almusaeadat ealaa altariq.‏ j- khidmat 'iislah almurakabat altaalifat fi alwikalat 'aw 'ihda alwarsh.‏ In these documents there are two parts. The first part relates to the damage to the driver and the other passengers and the damage related to the vehicle itself (covering the vehicle against fire and theft in addition to incidental accidents), while the second part covers coverage of the liability of the insured towards third parties (property and persons). Example: In the event of an accident of two vehicles, the comprehensive insurance policy covers all damages caused or incurred by you and the company pay all the costs of repairing your car and repairing and compensating damages to other parties that caused and responsible for. The comprehensive vehicle insurance program can be extended for an additional premium to include the following coverage: Renting an alternative vehicle for the insured during the repair period of the damaged vehicle. (B) Assisting on the road. (C) repairing the damaged vehicle at the Agency or a workshop.

What is a comprehensive vehicle insurance policy?

In these documents there are two parts. The first part relates to the damage to the driver and the other passengers and the damage related to the vehicle itself (covering the vehicle against fire and theft in addition to incidental accidents), while the second part covers coverage of the liability of the insured towards third parties (property and persons). Example: In the event of an accident of two vehicles, the comprehensive insurance policy covers all damages caused or incurred by you and the company pay all the costs of repairing your car and repairing and compensating damages to other parties that caused and responsible for.

What is a compulsory vehicle insurance policy?

Compulsory insurance policy covers the damage caused by your vehicle to others (people and property). This document does not cover damage to your vehicle or damage to your vehicle. For example, when an accident occurs, you are the cause of the accident and 100% will compensate the damaged insurance company for all damages caused to others and the company will not pay any compensation for damages that occurred to you or your vehicle.

I want to establish a company in Saudi Arabia and I live outside it?

Our office provides the establishment of companies according to the Saudi law and we can complete the application

Is there a separation between the money of the person and the funds of his institution?

There is no separation between the financial liability of the individual institution and its owner.

What is the Saudi Credit Information Company (SAMA)?

Is a licensed information company that collects, analyzes and provides accurate and up-to-date credit information on the individual and business sectors in Saudi Arabia,

Does the feature interfere in the decision to accept or reject credit?

The role of a feature is to provide accurate, accurate and up-to-date credit information to credit donors, which in turn have a set of special procedures for assessing and studying credit requests and then making appropriate decisions in grants. Credit is not; therefore the slogan has been a feature since its inception "Your Information Your Decisions".

What is the method of charging fees in the office?

The Office shall collect its fees in cases according to the type and stage of the cases and the work performed.

I have a lawsuit against a bank where to hold?

If the dispute over an original banking or a subsequent banking business dispute such as loans is the jurisdiction of the Banking Disputes Committee

What is the validity of the Banking Disputes Committee?

The regulator was keen to give the Banking Disputes Committee the powers necessary to settle the dispute and issue a decision. In order to do so, it has to submit the agreements between the parties and the supporting documents and the use of technical expertise. The committee was also given the aim of obliging the debtor to implement the determinative decisions related to its jurisdiction, As well as to prevent him from dealing with government agencies and banks, and to prevent him from traveling. The Committee may also include its decisions on expedited access in accordance with specific cases, as stipulated in Royal Decree No. 37441, 11/8 / 1433H to oblige the concerned authorities - each according to its competence - to implement the final decisions issued by any of the committees and decisions of the Executive Committee and the decisions covered by accelerated access.

What is the procedure?

The list of the suit shall be submitted by attending to the headquarters of the General Secretariat of the Committees (Riyadh-Al-Muhammadiyah District-King Fahad Road-South Housing Ministry of Foreign Affairs-Building No. 1023-Ground Floor) or by sending the complaint by Saudi Post to the General Secretariat of Committees B 2992-Riyadh 11169) or through e-services on the website of the banking and financial disputes and violations committees as soon as they are established.

Is it possible to appeal the decision of the Banking Disputes Committee or the Committee for the Settlement of Violations and Disputes?

Yes, you may submit an appeal list to the Secretariat of the Committee within thirty days of the initial decision

Who is the person authorized to file the claim?

Is the plaintiff personally or a legitimate agent under a legitimate agency issued by the notary public and must provide in the Agency the right to plead, defend and dispute and provide evidence, signature and receipt and may mention the right of reconciliation.

What agency is required in corporate litigation?

You must be the owner of the license according to the company's founding contract or the agency must be from all the partners

Can I take a copy of the contract?

Yes, the employee is entitled to take a copy of the contract of employment according to Article (51) of the Labor Law.

If the employment contract is not written, is the labor relationship established?

Yes, the labor relationship is established if the worker works for the employer and under his supervision and follow-up for a wage. No contract of employment is required.

Are the workers' bodies competent to transfer bail or cancel the notice of escape or renewal of residence or work permits?

The workers' bodies are not competent in the above

Accommodation fees, transfer of bail and the like is it the worker or the employer?

According to the provisions of the Law, the employer shall bear the fees due in accordance with Article 40.

How do I view the system work?

You can view it through the Ministry of Labor website

I work in the company branch in Jeddah and the administration in Riyadh where is the company complained?

In the last place where the worker worked

What is the procedure for bringing a claim before the labor authorities?

The application shall be submitted to the friendly settlement department of the plaintiff by presenting a letter explaining the circumstances of his case and his applications in full and attaching all the supporting documents supporting his claim.

When will the decision of the Trial Chamber be final? Can I appeal the judgment at any time?

If the amount claimed is less than ten thousand riyals or the dispute is on one of the sanctions except for the sanctions, the result of which is the dismissal

What is the procedure followed in case the two parties to the lawsuit are not satisfied or one of them is the ruling issued by the member of the first instance?

If the parties to the dispute are not satisfied, the parties to the dispute are entitled to appeal the decision in the following cases: Labor disputes exceeding 10,000 riyals Compensation for work injuries, regardless of the amount of compensation Separation differences from work Violations exceeding the penalty of SR 5000 Penalties for offenses punishable by fines With a penalty of subordination

Does the appellant have the right to submit additional applications to the Supreme Court other than what he stated before the Court of First Instance?

The appellant is not entitled to claim applications that have not been raised before the Trial Chamber on the basis of Article 66 of the Rules of Procedure, which states that the Supreme Court shall not consider new applications

How can I appeal?

The appeal shall be filed with the Trial Chamber issuing the decision or before the Supreme Court. It shall include reasons for appeal and shall be submitted to the Front Office of the Commission for the Settlement of Labor Disputes from which the judgment was rendered.

What is the implementation of the judgments issued by the bodies?

The implementing authority is the enforcement department of the Ministry of Justice according to the implementation system and not the bodies.