Arab Orient Insurance Company

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Terms & Conditions

The terms "gig | Arab Orient Insurance Company" , "us" or "we" shall always mean the owner of the website whose address is Abd Al Minem Ryadh street Jabal Amman - Amman , Jordan - Telephone (9626) 5654550.,Fax:(9626) 5654551

The proposer, having paid or agreed to pay the premium or requested a quotation from the company, will be asked to agree on the terms and conditions of the company.

All website contents including logo, design, text and graphics are solely and exclusively owned and licensed by araborient insurance company; you have the right to use this website for your own personal use, while you need a permission to use it otherwise. Content of the pages of this website are subject to changes without notice and from time to time this website may also links to other websites, these links are available for your convenience to provide further information.

Cancellation & Amendments Procedure as below:

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No.

Product Name

Cancellation

Amendments

1

Aman Plus

No

No

2

Crown Cash

No

No

3

Hiba Extra

Yes

Yes

4

Crown Family

Yes

Yes

5

Crown Crystal

Yes

Yes

6

Travel Insurance

No

Yes

7

Renewing Car Policy

Yes

Yes


In case of Policy Cancellation(Hiba Extra, Crown Family, Crown Crystal):
The medical policy holder for the above programs has the right to cancel the policy and refund the payment with subject to application of pro-rata premium and additional 10% being the administrative expenses of Arab orient insurance company.


Motor Policy Cancellation Charges:

  • If the customer wishes to cancel the policy after issuance/ renewal, but for any reason, vehicle is not licensed, Arab Orient Insurance Company has the right to cancel the policy and refund the payment with charging the customer 10% as an administrative expense.
  • If the customer wishes to cancel the policy after issuance/ renewed and vehicle is being licensed, Arab Orient Insurance Company has the right to cancel the policy and refund the payment with charging the customer the following:
    • Compulsory Premium.
    • Administrative expenses (10%).

In case policy being amendment:

  • Amendment shall take place at the company offices.
  • If any such amendments are subject to additional premium and shall be borne by the insured.

Policy Activation:
Purchased products will be activated within two working days from purchase time and for any modifications to be applied on the policies should be done in Arab orient insurance premises.

Payment & Delivery:
Visa card and Master Card are accepted for payments through our website and all prices are in Jordanian Dinar (JD), we are responsible for the delivery of the purchased products to the customer within two working Days.

 

Programs Conditions

Travel Program

  • For a period less than 6 months (the policy is be being valid for one trip only), if more than six months (the policy is valid for Multiple Trips, Maximum duration of any one trip should not exceed 92 days)
  • War Zones is excluded from policy coverage.
  • Repatriation to Jordan only.
  • The Deductible is 75$.

For Iraqi Citizens:

  • Departure from Jordan.
  • Repatriation expenses to Jordan.

Motor Programs

  • Rates are annual (i.e. for one year only).
  • Customs fees difference will be born by the insured for non Jordanian vehicles.

Medical Programs
Aman Program Exclusion
It is understood and agreed upon that this insurance policy (program) covers only cancer related diseases (diagnosis and / or treatment and / or surgical operations), consequently all cases, reasons, services, treatments, injuries, diseases, complications, incapability resulting due to any case not related directly or indirectly to cancer diseases are to be excluded. Also all preexisting undeclared cases shall be excluded from this policy.

Crown Family Program
Exclusions:
It is understood and agreed upon that all the following cases, reasons, medical services, injuries, diseases, illnesses, and disabilities consequences and results are excluded under this insurance policy:

  • Suicide and suicidal attempts, voluntary self-injury.
  • Committing or attempts to commit an illegal action, criminal action, sedition action or quarrel involved and traffic accidents.
  • All cases resulting from war, invasion, hostilities, or war-like operations, civil war, rebellion, mutiny, revolution, martial law and terrorist acts.
  • All cases related to hazardous activities such as: motor racing, mountaineering, and motorcycling.
  • All cases resulting from alcoholism use of drugs, or hallucinatory substances, and ionizing radiation, radioactive contamination, nuclear processes.
  • Earthquakes, flood, volcano eruption, landslides and other natural hazards.
  • Undeclared pre-existing conditions.
  • Bulimia, anorexia nervosa, dialysis, AIDS, all senility related cases, Alzheimer, psychological and mental disorders and its complications .
  • Elective Non accident related plastic surgery, cosmetic related medicine.
  • Acne, Hair loss, Isolations, vaccinations, circumcision, sexual diseases.
  • Contraceptives, infertility, telemedicine. Fertility related hormones, Psoriasis. Calcium supplements, natural products, vitamins unless therapeutic or maternity related and not subject to 16% sales tax.
  • All cases directed to hospital by a non-physician unless it is an emergency case.
  • Elective non-accident related surgery for the correction of refraction errors and acuteness of the sense of hearing and all auditory and vision accessories.
  • All cases resulting from nuclear contamination, i.e. any exposure to ionizing radiation, radioactive contamination, nuclear processes, military material or nuclear waste of any kind
  • Elective non-accident Dental and Gum surgery (Excluding Bridges), epilepsy, congenital and hereditary diseases.
  • Artificial limbs, transplantation service and accessories such as: prostheses, …etc.
  • Epidemic diseases, cancer, work related accidents.
  • Any In-patient treatment, tests, and other procedures that can be done on outpatient basis without jeopardizing the insured’s health.
  • Unless mentioned in table of benefits (Physiotherapy, Maternity, Dental, Optical and chronic diseases )
  • Vaccinations, bandages.
  • All substances, which are not considered as medicine. subject to sales tax 16%
  • More than one unit of medicine except antibiotic, anti parasites, anti-fungal.
  • New born (below age of 14 days).
  • All medical tests not related to specific symptoms or disease (General check up).

Waiting Periods:
It is understood and agreed upon that all the following waiting periods will be applied to all existing members and will also be applied to newly enrolled members as from date of enrollment

No.

Exclusion

Waiting period

1

Hemorrhoids, anal fissure and fistula

6 Months

2

Tonsils, Adenoids

6 Months

3

Deviated septum, sinusitis

6 Months

4

Hernias

6 Months

5

Fibroids

12 Months

6

Endometriosis, Hysterectomy

12 Months

7

Varicocele, Hydrocele and varicose veins

12 Months

8

Cataract, Glaucoma

12 Months

9

Back pain & back surgery & knee surgery

12 Months

10

Maternity

12 Months

11

Hyperlipidemia and related complications

24 Months

12

Chronic Diseases medications (HTN, D.M, Hyperlipidemia, Osteoporosis..)

24 Months

13

Hypertension

24 Months

14

Diabetes Mellitus

24 Months

Additional benefits:

  • Home visits are covered in coordination with the company, phone no. 5654550-5609888.
  • One general checks up (Physical examination, Chest x-ray, ECG, CBC, FBS, Urine analysis) in coordination with the company.
  • Free Flu vaccination.
  • Pre-Marital tests (MCV) are covered with maximum limit 50JOD.
  • Travel insurance for one month per year (as needed).
  • Free Crown Cash card.


Crown Crystal Program
Exclusions
It is understood and agreed upon that all the following cases, reasons, medical services, injuries, diseases, illnesses, and disabilities consequences and results are excluded under this insurance policy:

  • Suicide and suicidal attempts, voluntary self-injury.
  • Committing or attempts to commit an illegal action, criminal action, sedition action or quarrel involved and traffic accidents.
  • All cases resulting from war, invasion, hostilities, or war-like operations, civil war, rebellion, mutiny, revolution, martial law and terrorist acts.
  • All cases related to hazardous activities such as: motor racing, mountaineering, and motorcycling.
  • All cases resulting from alcoholism use of drugs, or hallucinatory substances, and ionizing radiation, radioactive contamination, nuclear processes.
  • Earthquakes, flood, volcano eruption, landslides and other natural hazards.
  • Undeclared pre-existing conditions.
  • Bulimia, anorexia nervosa, dialysis, AIDS, all senility related cases, Alzheimer, psychological and mental disorders and its complications .
  • Elective Non accident related plastic surgery, cosmetic related medicine.
  • Acne, Hair loss, Isolations, vaccinations, circumcision, sexual diseases.
  • Contraceptives, infertility, telemedicine, hormones, Psoriasis. Calcium supplements, natural products, vitamins.
  • All cases directed to hospital by a non-physician unless it is an emergency case.
  • Elective non-accident related surgery for the correction of refraction errors and acuteness of the sense of hearing and all auditory and vision accessories.
  • All cases resulting from nuclear contamination, i.e. any exposure to ionizing radiation, radioactive contamination, nuclear processes, military material or nuclear waste of any kind
  • Elective non-accident Dental and Gum surgery (Excluding Bridges), epilepsy, congenital and hereditary diseases.
  • Artificial limbs, transplantation service and accessories such as: prostheses, …etc.
  • Epidemic diseases, cancer, work related accidents.
  • Any In-patient treatment, tests, and other procedures that can be done on outpatient basis without jeopardizing the insured’s health.
  • Unless mentioned in table of benefits (Physiotherapy, Maternity, Dental, Optical and chronic diseases )
  • Vaccinations, bandages.
  • All substances, which are not considered as medicine. subject to sales tax 16%
  • More than one unit of medicine except antibiotic, anti parasites, anti-fungal.
  • New born (below age of 14 days).
  • All medical tests not related to specific symptoms or disease (General check up).


Waiting Periods:
It is understood and agreed upon that all the following waiting periods will be applied to all existing members and will also be applied to newly enrolled members as from date of enrollment.

No.

Exclusion

Waiting period

1

Hemorrhoids, anal fissure and fistula

6 Months

2

Tonsils, Adenoids

6 Months

3

Deviated septum, sinusitis

6 Months

4

Hernias

6 Months

5

Fibroids

12 Months

6

Endometriosis, Hysterectomy

12 Months

7

Varicocele, Hydrocele and varicose veins

12 Months

8

Cataract, Glaucoma

12 Months

9

Hyperlipidemia and related complications

24 Months

10

Chronic Diseases medications (HTN, D.M, Hyperlipidemia, Osteoporosis..)

24 Months

11

Hypertension

24 Months

12

Diabetes Mellitus

24 Months

 

Hiba Extra Program

Exclusions:
It is understood and agreed upon that all the following cases, reasons, medical services, injuries, diseases, illnesses, and disabilities consequences and results are excluded under this insurance policy:

  • Suicide and suicidal attempts, voluntary self-injury.
  • Committing or attempts to commit an illegal action, criminal action, sedition action or quarrel involved and traffic accidents.
  • All cases resulting from war, invasion, hostilities, or war-like operations, civil war, rebellion, mutiny, revolution, martial law and terrorist acts.
  • All cases related to hazardous activities such as: motor racing, mountaineering, and motorcycling.
  • All cases resulting from alcoholism use of drugs, or hallucinatory substances, and ionizing radiation, radioactive contamination, nuclear processes.
  • Earthquakes, flood, volcano eruption, landslides and other natural hazards.
  • Undeclared pre-existing conditions.
  • Bulimia, anorexia nervosa, dialysis, AIDS, all senility related cases, Alzheimer, psychological and mental disorders and its complications .
  • Elective Non accident related plastic surgery, cosmetic related medicine.
  • Acne, Hair loss, Isolations, vaccinations, circumcision, sexual diseases.
  • Contraceptives, infertility, telemedicine. hormones, Psoriasis. Calcium supplements, natural products, vitamins.
  • All cases directed to hospital by a non-physician unless it is an emergency case.
  • Elective non-accident related surgery for the correction of refraction errors and acuteness of the sense of hearing and all auditory and vision accessories.
  • All cases resulting from nuclear contamination, i.e. any exposure to ionizing radiation, radioactive contamination, nuclear processes, military material or nuclear waste of any kind
  • Elective non-accident Dental and Gum surgery (Excluding Bridges), epilepsy, congenital and hereditary diseases.
  • Artificial limbs, transplantation service and accessories such as: prostheses, etc.
  • Epidemic diseases, cancer, work related accidents.
  • Any In-patient treatment, tests, and other procedures that can be done on outpatient basis without jeopardizing the insured’s health.
  • Unless mentioned in table of benefits (Physiotherapy, Maternity, Dental, Optical and chronic diseases )
  • Vaccinations, bandages.
  • All substances, which are not considered as medicine. subject to sales tax 16%
  • All cases related to back pain & back surgery & knee surgery.
  • More than one unit of medicine except antibiotic, anti parasites, anti-fungal.
  • New born (below age of 14 days).
  • All medical tests not related to specific symptoms or disease (General check up).


Waiting Periods:
It is understood and agreed upon that all the following waiting periods will be applied to all existing members and will also be applied to newly enrolled members as from date of enrollment.

No.

Exclusion

Waiting period

1

Hemorrhoids, anal fissure and fistula

6 Months

2

Tonsils, Adenoids

6 Months

3

Deviated septum, sinusitis

6 Months

4

Hernias

6 Months

5

Fibroids

12 Months

6

Endometriosis, Hysterectomy

12 Months

7

Varicocele, Hydrocele and varicose veins

12 Months

8

Cataract, Glaucoma

12 Months

9

Hyperlipidemia and related complications

12 Months

10

Chronic Diseases medications (HTN, D.M, Hyperlipidemia, Osteoporosis..)

24 Months

11

Hypertension

24 Months

12

Diabetes Mellitus

24 Months

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