The Medical Expenses and Total Temporary Disability rider (TTD)
It is a known fact that medical insurance policies offer eligible insured to receive treatment at healthcare providers paying only the deductible that is incorporated in the policy body.

Who then have paid for the payment of the medical services received?
Naturally, the employer has paid for the cost of the medical healthcare services received by his employees. The risk factor carried by the insurer in this line of business lies in the fact that once a healthcare cost for a group is calculated and agreed upon with the employer, insurer cannot increase cost mid term or anytime he feels that he is beginning to lose.

A paramount function of insurer aside from calculating medical treatment cost of a group is to manage the cost he calculates.

In his calculations insurer includes cost factors not part of medical expenses expected assumed in advance to be sufficient to cover the group. Healthcare management is the key factor to the success or failure of the insurance company.

Al Sagr Cooperative understood the key for success and employed actuarial firm to compartmentalize each cost factor and each profit center. It is the duty of the insurance company to mange right the medical expense fund it receives from the employer who, in good faith, had trusted the insurer with the fund for the wellbeing of his employees. Any bad management for the fund reflects negatively on the outcome of the policy. It either generates profit or losses. If profits then insured shares part of the profit in return of a percentage of the cost he had already paid as premium or contribution.

Al Sagr Cooperative is well equipped to apply itself to attempting to making each medical expenses policy a profitable one. We are geared to working closely with the end user of the benefit plan. We answer their inquiries, re refer them to compatible healthcare providers and on the behalf of the employer, negotiate with healthcare providers the most economical healthcare cost without compromising the healthcare services which the insurance policy promises to provide and make avail to its users.

The medical team of Al Sagr Cooperative is to serve every individual as if he is the only named insured in the policy. Our services extend to the healthcare service providers as we both know that our reputations are at stake with the CCHI (Council for Cooperative Healthcare Insurance) if we falter in the services that we are to provide.

Eligible insured named in our policies are issued medical cards upon the submission of which at any healthcare provider designated to that particular eligible insured he/she are immediately attended to and are given the treatment promised in the policy. This is the service that fills us with pride yielding to our insured.

As part of it vision aspiring for excellence, Al Sagr Cooperative has developed an insurance plan in conjunction with the medical expenses policy. We intend to sell it as a RIDER to the medical insurance policy.

The devised extension to the medical expenses policy we have given to the following name:
TTD Rider:
The insurance perceived in this rider compensates employer salaries he pays to his employees during their hospitalization period recovering from non work-related injury/illness. The word 'rider' means that employers may buy this insurance together with their medical expenses insurance from ACIC, but not separate. This product is not offered on its own and does not apply to TTD caused by work-related injuries.

Al Sagr Cooperative aims at helping insurer to transfer his insurable risks with the aid of applicable insurance mechanisms of well devised benefit plans that are doable. This rider is but an example how Al Sagr Cooperative intents to face its future in this newly founded market and the position the COMPANY intends to reach at, hold and keep, in the Industry that has one way to go?.grow and grow and continue to grow.

Our New Price List for Individual Medical for only two month period starts from 1/1/1432 :

Medical Reimbursement Requirements:

1)Photocopy of your Medical Insurance Card

2)Detailed Medical Report from your Physician

3) Prescription letter from your Physician  for the exact medication (should be under your name)

4) Reports and Results of the Lab & any X-Rays 

5) Invoice Related to the Medical Service Center

6) Discharge Summary in case of admission 

7) All Receipts of payments