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Medical Insurance For Employees
Medical Insurance in Egypt: Comprehensive Plans for Employees
What is Medical Insurance?
Medical insurance, also known as health insurance, is a type of insurance that provides coverage for medical expenses and healthcare services. It is designed to protect individuals and families from the financial burden of unexpected healthcare costs. Medical insurance can cover a variety of services, including doctor visits, hospital stays, prescription medications, and surgeries, depending on the type of plan and coverage. It can be purchased by individuals, families, or through an employer-sponsored group plan. Medical insurance is important because it helps people access quality healthcare and provides financial protection in case of unexpected medical expenses.
A typical health insurance plan in Egypt provides coverage for inpatient and outpatient services, as well as prescription medications, emergency care, and maternity benefits. Additionally, the plan provides dental and vision coverage, and access to a network of healthcare providers in Egypt.
Some of the top medical insurance providers in Egypt are:
- MetLife
- AXA
- Sarwa Life
- Sarwa General
- Libano Suisse
- GIG
- Royal
- BUPA
Types of Medical Insurance in Egypt
Group Medical Insurance
This is a policy that covers a group of employees and their dependents, typically offered by employers as part of their employee benefits package.
Individual Medical Insurance
This is a policy that an individual can purchase for themselves and their family, which provides coverage for medical expenses.
Comprehensive Medical Insurance
This is a policy that covers a wide range of medical expenses, including hospitalization, outpatient treatment, and prescription drugs.
Expat Health Insurance
This is a medical insurance plan designed for expatriates living abroad, which provides coverage for medical expenses incurred in their country of residence.
Student Health Insurance
This is a medical insurance plan designed for students studying abroad, which provides coverage for medical expenses incurred while studying outside of Egypt.
Medical Evacuation Insurance
This is a specialized insurance plan that provides coverage for emergency medical evacuation to a hospital or medical facility outside of Egypt, in the event that medical treatment is not available locally.
Medical Insurance Plans in Egypt
Not all insurance plans are created equal. Some prioritize high coverage ceilings, others full medication coverage, while others a robust out-of-network access. At Wisely Insure, we help you navigate and compare over 20+ plans from leading providers to find the perfect solution to your team’s needs
Silver (B)
Life Insurance
25,000 EGP
Medical Ceiling
15,000 EGP
In-patient
Fully Covered
Network
Network D
Accommodation
Single Room
Intensive Care
Fully Covered
Out-patient
Covered
Doctors Visits
70% Covered
Labs & Radiology
70% Covered
O-P Procedures
70% Covered
Medications
70% Covered
- Refunds (Outside of network)
Diamond
Life Insurance
100,000 EGP
Medical Ceiling
50,000 EGP
In-patient
Fully Covered
Network
Diamond Network
Accommodation
Single Room
Intensive Care
Fully Covered
Out-patient
Covered
Doctors Visits
80% Covered
Labs & Radiology
80% Covered
O-P Procedures
80% Covered
Medications
80% Covered
- Refunds (Outside of network)
Plan 1
Life Insurance
100,000 EGP
Medical Ceiling
100,000 EGP
In-patient
Fully Covered
Network
Full Network
Accommodation
Single Room
Intensive Care
Fully Covered
Out-patient
Covered
Doctors Visits
100% Covered
Labs & Radiology
100% Covered
O-P Procedures
100% Covered
Medications
80% Covered
- Refunds (Outside of network)
Superior
Life Insurance
75,000 EGP
Medical Ceiling
75,000 EGP
In-patient
Fully Covered
Network
Full Network 003
Accommodation
Single Room
Intensive Care
Fully Covered
Out-patient
Covered
Doctors Visits
80% Covered
Labs & Radiology
80% Covered
O-P Procedures
80% Covered
Medications
75% Covered
- Refunds (Outside of network)
For a full comparison of over 20+ plans, use our intuitive insurance comparison engine to find the best plan that fits your needs
Benefits of Medical Insurance
Protect your employees and reduce costs with tailored medical insurance plans
Attract & Retain Employees
Providing medical insurance can be a key factor in attracting and retaining talented employees, as it is a valuable benefit that can set an employer apart from competitors.
Improved Employee Health
With access to medical care, employees are more likely to seek treatment for health issues in a timely manner, which can lead to improved health outcomes and increased productivity.
Reduced Absenteeism
When employees have access to medical care, they are less likely to miss work due to illness or injury, which can result in decreased absenteeism and increased productivity.
Financial Protection
Medical insurance can provide financial protection for employees and their families in the event of unexpected medical expenses, which can help reduce financial stress and improve overall well-being.
Increased Productivity
Health insurance promotes employee well-being, leading to fewer sick days and higher productivity. Healthy employees are more likely to perform better and contribute positively to the company
Enhanced Social Responsibility
Providing medical insurance can be seen as a way for employers to demonstrate their commitment to the well-being of their employees and their families, which can enhance the company's reputation and image.
Who Needs Medical Insurance?
Medical insurance isn’t just for emergencies – It’s a vital tool for protecting health, well-being, and financial stability. Whether you’re an HR professional looking to enhance employee benefits, a business owner striving to attract top talent, or a family prioritizing health security, there’s a plan tailored for you
Employees
Stay protected with comprehensive plans that cover essential health needs, ensuring peace of mind for you and your family
Families
Safeguard your loved ones with plans that offer robust coverage for routine care, emergencies, and long-term health security
Freelancers and Entrepreneurs
Get access to affordable medical insurance plans designed for individuals without employer-provided benefits
Businesses of All Sizes
Whether you're a startup or an established corporation, offering medical insurance attracts and retains top talent while boosting employee satisfaction
Students
Access affordable healthcare options tailored to your unique needs while studying locally or abroad
Frequent Travelers
Stay covered anywhere with plans that provide global or out-of-network healthcare support, ensuring you’re prepared for any situation
Simplify Medical Insurance with Wisely Insure
Explore tailored plans and find the perfect fit for you, your family, and your team today
FAQ
Yes, there are many insurance providers in Egypt that offer medical insurance plans for individuals and families. Some employers may also offer group medical insurance plans to their employees.
No, it is not mandatory. However, it is highly recommended to protect yourself from unexpected medical expenses.
The cost of medical insurance in Egypt varies depending on the type of plan, the level of coverage, and the insurance provider. Generally, the cost of medical insurance in Egypt can range from a few thousand Egyptian pounds per year to tens of thousands of Egyptian pounds per year.
There is no one-size-fits-all answer to this question, as the best medical insurance company in Egypt will depend on an individual’s unique healthcare needs and budget. It’s important to research and compare insurance providers and plans before making a decision.
Universal health insurance, also known as universal health coverage, is a healthcare system in which all individuals have access to quality healthcare services without facing financial hardship. It is typically provided by the government or through a national health insurance program. Universal health insurance aims to ensure that all individuals, regardless of their income or social status, have access to essential healthcare services.
Yes, many insurance providers in Egypt offer coverage for pre-existing conditions, depending on the type of plan.
Yes, most insurance plans allow you to choose your healthcare provider, but some plans may have restrictions.
The waiting period for coverage of pre-existing conditions varies depending on the insurance provider and the type of plan. It is essential to check with your insurance provider before signing up for a plan.
Health insurance in Egypt works by providing coverage for medical expenses and healthcare services. Individuals pay a premium to an insurance provider, and in exchange, the insurance provider covers a portion or all of the cost of medical care, depending on the plan and coverage. Some plans may require individuals to pay a deductible or co-payment for certain services. It’s important to understand the details of your medical insurance plan, including the level of coverage, deductibles, co-payments, and limitations.
Wisely Insure can negotiate with insurance companies on your behalf to get the best rates and coverage for your medical insurance plan in Egypt. We can help you understand your healthcare needs and choose the right plan that fits your budget. We also provide companies and their staff with A to Z insurance management along with complimentary wellness benefits
Why You Should Include Medical Insurance In Your Employee Benefits Package?
Offering a comprehensive employee benefits package is essential to attracting and retaining the best employees.
Recruitment & Retention Tool
A comprehensive employee benefits plan is important for everyone, but it is especially important for those with talents
Save Money For Company
Your insurance premiums are tax exempted
Save Money For Employees
Remove financial burdens of health care from your staff and their families
Don't Wait Until It's Too Late!
Choosing the right Local Health Insurance plan for you and your employees can be overwhelming, but our local health insurance specialists can help.