Individual Medical Insurance

Our Individual Medical plans offer the following benefits:

  • Low deductibles.
  • Low waiting periods.
  • Variable annual limits –ranging from JOD 25,000 to JOD 100,000 per member per year.


Standard Coverage Includes:


In-Patient Services Out-Patient Services
Hospital accommodation and ICU Consultation Fees
Prescribed drugs/medicines & Investigations – Radiology / Lab tests Prescribed drugs/medicines & Investigations – Radiology / Lab tests
Consultant visits, Surgical Fees, Surgical theatre charges Outpatient surgical procedures
Outpatient surgical procedures Hospital services, expenses & supplies for outpatient / day care services
Ambulances, if required

According to fees approved by Syndicate of Doctors 2008 minimum limits.


Main Exclusions:

  • Pre-existing conditions – any medical conditions that exists at the time of inception of the policy.
  • Chronic conditions – medical conditions that are long lasting or recurrent and during waiting periods.


Additional benefits:

  • Maternity
  • Dental
  • Optical services


Terms and Conditions

  • Maximum eligible age at entry is 60 years old. A waiting period of 13 days is applicable for newborn babies.
  • Premium payment is annual and to be paid in advance.
  • All family members (Self, Spouse & Children) should be covered for family insurance.
  • All outpatient claims are on REIMBURSEMENT basis (pay to the Provider and claim from JOFICO). According to fees approved by Syndicate of Doctors 2008 minimum limits.
  • Pre-existing and chronic conditions /appliances are excluded. Insured individuals should follow JOFICO standard Prior Approval Protocols.


Required Documentation:

The following documents needed to be submitted to our Medical Insurance Department. The documents can also be submitted to us electronically to Upon receipt of your completed documents, we shall process your policy within seven working days.

  • Fill the application in order to send you a quote.
  • A copy of the final quote you received from us.
  • Quotation acceptance form.
  • A copy of the ID / family book for you and the family.