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All students obtain the State-sponsored medical insurance with the issuance of their residency as per Kuwait: Law no. 1 of 1999 on Alien Health Insurance and the Imposition of Fees against Medical Services. The State issues a government medical card for use at all government clinics and hospitals. The health insurance provided by the law covers basic health and medical services:

On April 10, 2000 health insurance was made mandatory for expatriates. No residence is renewed unless the premium for health insurance is paid and the renewal period is also linked to the period of health insurance coverage. Expatriates holding health insurance from local private insurance companies will be allowed to renew their residence for the period of validity of the insurance.

However, for holders of private insurance, the Ministry will charge KD 4 for each visit to health clinic besides the KD 1 charge. They will also have to pay for medicine, laboratory tests and radiology scans. Visit to the outpatient clinic will cost KD 6, stay at public hospital KD 10 per day, KD 80 per day at an intensive care unit and KD 5 per day for stay at a psychiatric hospital.

Insurance coverage exempts expatriates from paying daily inpatient charges when they receive medical treatment in hospitals, in addition to exemption from charges of medical operations, pharmaceuticals, and laboratory analysis and X-ray. They also receive 50% subsidy on specialized tests and analysis such as CT-Scan, Nuclear Magnetic Resonance, Sonar and hormonal analysis.

The Law of Health Insurance No. 1 of 1999 applies only to expatriates. All expatriates are registered under the protection of governmental or private sector health insurance.

To learn more about the Kuwait: Law no. 1 of 1999 on Alien Health Insurance and the Imposition of Fees against Medical Services, click here.


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