Does Tawuniya Insurance Cover Vision Correction?

If you don’t wear prescription glasses or contact lenses, you might think you don’t need vision insurance—but think again. Many insurance plans cover the full cost of an annual eye exam. Some plans also cover comprehensive eye examinations that allow the ophthalmologist to detect early signs of disease and treat them before they cause permanent vision loss. But does Tawuniya insurance cover vision correction?

What Is Tawuniya Insurance?

Tawuniya Insurance Company was founded in 1986. It is a Saudi joint‑stock company, registered under Commercial Registration No. 1010061695 dated 18/01/1986, and was the first national company licensed in the Kingdom of Saudi Arabia to offer various types of insurance in line with the Sharia‑compliant cooperative insurance model. Its authorized and paid‑up capital is 1,250 million Saudi riyals.

Tawuniya obtained license No. ت م ن/1/200412 from the Saudi Central Bank (SAMA), making it the first licensed company in the insurance sector under the Cooperative Insurance Companies Control Law. The company is regulated and supervised by the Saudi Central Bank.

To provide the best insurance services to its partners and clients, Tawuniya offers more than 60 types of insurance products, including health, motor, fire, property, engineering, miscellaneous accident, marine, aviation, Takaful, liability insurance, and many others. Over the past 35 years, Tawuniya has built a strong track record in the insurance sector, enhancing its competitive advantages and service quality to become the preferred choice for all insurance customer segments.

Tawuniya also launched its 2025 strategy to keep pace with major changes in the market, both locally and globally, and to contribute more effectively to supporting the national economy and serving Saudi society. The world is currently undergoing rapid and fundamental changes in business and all aspects of life. Customers’ needs and expectations have shifted, as have society’s requirements and perceptions. New technologies have been introduced into the labor market, making it more competitive and dynamic, raising expectations and increasing the size of the challenges.

What Does Tawuniya Health Insurance Cover?

Tawuniya offers the “Aelaty” (My Family) health insurance program, which provides suitable healthcare coverage for all family members in accordance with Islamic Sharia principles. The program consists of four categories designed to meet the needs of different segments of society.

The Aelaty program covers most medical services offered in both outpatient clinics and inpatient departments, including the costs of medical examinations, diagnostic tests, medical treatment, prescription medications, vaccinations, pre‑existing conditions, and maternity care, through one of the largest networks of accredited healthcare providers in Saudi Arabia.

Key features of the Aelaty program include:

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Is Al Batal Medical Complex in Jeddah Covered by Tawuniya?

Tawuniya insurance includes vision correction services at Al Batal Medical Complex in Saudi Arabia.

Health Insurance Requirements for Vision Correction

Health insurance is a system that covers the costs of healthcare services and medical consultations for the insured in exchange for a predetermined annual premium, allowing access to medical care without the financial burden of high healthcare expenses.

As for the specific requirements for health insurance covering vision correction, they typically include:  

– A copy of the national ID card for Saudi citizens  

– A copy of the residency permit (Iqama) for expatriates  

– An employment letter from the employer  

– A completed insurance application form  

– A completed medical declaration form  

However, according to the company, vision correction (refractive surgery procedures such as LASIK) is not included in the medical insurance coverage.

Cases Not Covered by Health Insurance

The Aelaty plan covers all chronic diseases, including hypertension and diabetes, as well as pregnancy follow‑up and childbirth expenses starting from the first month of coverage with no waiting period. The Tawuniya Aelaty policy also covers children’s vaccinations based on the immunization schedule approved by the Saudi Ministry of Health. Approvals for medical procedures are issued immediately.

Vision correction surgeries, however, are not covered under the medical insurance.

Tawuniya Individual Health Insurance Prices

Consultation fees under the Aelaty plan vary by tier as follows:  

– Silver category: 75 SAR per consultation  

– Gold category: 100 SAR per consultation  

– Platinum category: 150 SAR per consultation  

– Diamond category: 200 SAR per consultation  

Daily room and board limits are:  

– Up to 350 SAR for Silver and Gold categories  

– Up to 600 SAR for Platinum and Diamond categories  

Frequently Asked Questions About Whether Tawuniya Covers Vision Correction

Does Tawuniya Insurance Cover Vision Correction?

No, vision correction procedures are not covered under Tawuniya health insurance.

What Does Tawuniya Insurance Cover?

As mentioned above, the insurance covers all chronic diseases, as well as pregnancy follow‑up and childbirth expenses from the first month of coverage with no waiting period, in addition to children’s vaccinations in accordance with the Ministry of Health schedule.

What Does Tawuniya VIP Health Insurance Cover?

Tawuniya’s VIP health plans cover the costs of normal delivery, along with pregnancy monitoring and all necessary care. They also cover medically indicated legal abortions and complications of childbirth, up to a maximum of 15,000 SAR.

What Are the Different Categories of the Medical Insurance Program?

The categories of the Aelaty program are:  

– Aelaty Silver  

– Aelaty Gold  

– Aelaty Platinum  

– Aelaty Diamond  

What Does Tawuniya A+ Health Insurance Cover?

The A+ health insurance coverage includes chronic diseases such as diabetes and hypertension, pregnancy follow‑up and delivery costs from the first month of the policy’s start date, and children’s vaccinations according to the Ministry of Health’s immunization schedule, with immediate response on medical approvals. It also offers second medical opinions for complex or difficult medical conditions.