Health cover that keeps up with your family.

Two family health plans, one simple choice. As your broker, TISCO helps you compare We Fit and TISCO Care 2025, place the cover that actually suits your family - and we're right here when you need to use it.

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Up to BD 5,000 / year Bahrain hospital network 24-hour clinic & emergency
We Fit · Medical Insurance

Your plan at a glance

  • BD 5,000 / year Annual maximum per person
  • In-patient paid in full Hospital, surgeon & anaesthetist (shared room)
  • Out-patient up to BD 1,000 GP & specialists, clinic, pharmacy, lab
  • Maternity & dental included MOH primary-care maternity · dental to BD 100
  • Life & personal accident Death BD 2,000 · PTD BD 1,500
Get an exact quote

Bahrain designated provider network - treatment outside the network is not covered. Summary only; benefits, excess and exclusions are set by the policy.

Underwritten by our insurer partners

TISCO arranges and services both plans: We Fit is underwritten by Gulf Union, and TISCO Care 2025 by GIG Bahrain (Bahrain Kuwait Insurance Company).

Gulf Union gig Bahrain
Top cover

The cover that matters most

We Fit health cover in Bahrain, underwritten by Gulf Union.

Also included

Everything else you're covered for

Specialist consultations The best consultation, in the hands of professional specialists.
24-hour clinic & emergency Round-the-clock clinic and emergency care.
Pharmacy & prescriptions Prescribed drugs and dressings.
Lab, X-ray & ultrasound Laboratory tests, radiology, X-rays and ultrasound.
Injections & IV fluids Medical injections and IV-fluid management.
Physiotherapy As prescribed by a medical practitioner.
Dental Consultation, extraction, fillings, X-rays & medications - up to BD 100.
Pre-existing & chronic Pre-existing and chronic conditions carry a 6-month waiting period before the insurance can be used.
Emergency day-care Day-care admission, injections and observation.
Repatriation (expats) Repatriation of mortal remains to home country, up to BD 500.
Bahrain provider network A designated network of hospitals and clinics across Bahrain.
Choose your plan

Two plans. One honest comparison.

Both cover you up to BD 5,000 a year. The difference is how far the cover reaches - here it is, side by side.

Benefit
We Fit Everyday family cover
TISCO Care 2025 Wider cover · GIG Bahrain
Underwritten by
Gulf Union
GIG Bahrain
Annual maximum (per person)
Up to BD 5,000
Up to BD 5,000
Area of cover
Kingdom of Bahrain
Kingdom of Bahrain
Provider network
16-hospital network
31-provider designated network
In-patient & day care
Paid in full Shared room
Full refund at designated providers Semi-private room
In-patient co-insurance
NIL
10% at all providers 25% at AMH & INH
Out-patient
Up to BD 1,000
Up to the annual maximum
Out-patient excess
BD 5 per visit AMH hospitals: 15% per visit, min BD 15
BD 7 + 15% on other out-patient services AMH & INH: BD 10 + 25%
Pre-existing & chronic conditions
In-patient BD 1,500 · out-patient BD 500
BD 400 90-day waiting period
Maternity
MOH primary care only 9-month waiting period · delivery not covered
Antenatal & postnatal to BD 200 20% co-insurance · 180-day waiting period · postnatal 1 visit
Dental
Up to BD 100
Up to BD 100 20% co-insurance
Physiotherapy
On referral by a physician
8 sessions Orthopaedic referral & pre-approval
Life & personal accident
Death BD 2,000 · PTD BD 1,500
Not included
Optical
Not included
Not included

Summary only - full benefits, limits, waiting periods and exclusions are set out in each policy. A specialist will confirm what fits your family.

Sahel by BCFC

Also insure your car and your trips - from your phone.

Motor and Travel insurance are available in the Sahel by BCFC app: buy, manage and renew in minutes, no branch visit needed. For this cover, a quick call to 8000 8000 gets you a specialist who'll set it up.

Get the Sahel app
The detail

Plan limits at a glance

Area of cover: Kingdom of Bahrain. Annual maximum BD 5,000 per person on both plans.

We Fit · underwritten by Gulf Union
Annual maximum (per person)
BD 5,000
In-patient & day care
Paid in full - accommodation on a shared-room basis.
Out-patient treatment
Up to BD 1,000.
Pre-existing & chronic
In-patient BD 1,500 · out-patient BD 500.
Dental
Up to BD 100.
Excess / deductible
In-patient & day care NIL. Out-patient BD 5 per visit (AMH hospitals: 15% per visit, min BD 15).
Life - death (accident or sickness)
BD 2,000.
Permanent total disability (accident)
BD 1,500 · partial disability as per scale.
Repatriation of mortal remains (expats)
BD 500.
Designated Bahrain network: in-patient at American Mission (Manama), Royal Bahrain (Salmaniya), Al Amal (Hamad Town), Middle East (Segaya), Al Hilal (Muharraq) and Al Rayan (East Riffa), plus a wide out-patient clinic network across Bahrain. Treatment outside the designated network is not covered.
Notable exclusions: pre-existing / chronic conditions within the first 6 months, normal pregnancy or childbirth (beyond MOH primary care), cosmetic treatment, dangerous sports, self-inflicted injury, HIV / STDs, and more. Summary only - full terms are set out in the policy.
TISCO Care 2025 · underwritten by GIG Bahrain
Annual maximum (per person)
BD 5,000
Territorial limit
Kingdom of Bahrain
In-patient & day care
BD 1,000. Hospital accommodation and services at designated providers refunded in full, including ICU and consultant, physician, surgeon and anaesthetist fees. Accommodation on a semi-private basis.
In-patient co-insurance
10% at all providers · 25% at AMH & INH.
Out-patient treatment
Up to the annual maximum. Consultations at designated providers, diagnostics (x-ray, ultrasound), laboratory and prescriptions covered. CT and MRI on emergency only.
Pre-existing & chronic conditions
BD 400 for in-patient and out-patient combined · 90-day waiting period.
Physiotherapy
8 sessions, subject to orthopaedic referral and pre-approval.
Minor surgeries
Covered - incision & drainage, drainage of abscess, nail removal, POP/cast application and foreign-body removal, plus surgeries under local anaesthesia.
Maternity
Antenatal and postnatal care up to BD 200, subject to 20% co-insurance · 180-day waiting period. Postnatal is limited to one visit.
Dental
Up to BD 100 - consultation, 3 extractions and 3 fillings, subject to 20% co-insurance.
Out-patient deductible
AMH & INH: BD 10 plus 25% on other out-patient services. All others: BD 7 plus 15% on other out-patient services.
Eligible ages
14 days to 65 years.
Policy period
12 months. No members may be added during the policy period, and deletions are not refunded.
Claims administrator
GlobeMed Bahrain.
Designated network: 31 hospitals and medical centres across Bahrain, including Al Amal Hospital, Shifa Al Jazeera Hospital, Al Hilal Hospital, KIMS Health Hospital, King Hamad American Mission Hospital, Ibn Al Nafees, American Mission Hospital and its Amwaj, Riffa and Saar centres, RBH Medical Center, Aster, Dar Al Shifa, Dar Al Hayat, Hi Care, International Medical Centre, Al Bayan and Hamad Town Pharmacy Group. Treatment outside the designated network is not covered.
Notable exclusions: optical and optometry, psychiatric treatment, insulin pens and diabetes injections, treatment abroad (including emergency), repatriation of mortal remains, alternative therapies, and treatment for work-related accidents or illnesses eligible under a workers' compensation scheme. Summary only - full benefits, limits, waiting periods and exclusions are set out in the policy wording and table of benefits.
Why TISCO

The calm of knowing you're covered

You shouldn't need to understand insurance to be well insured. That's our job.

On Your Side

As a neutral broker, our responsibility leans your way, not toward any insurance company.

Honest Pricing

Competitive premiums with clear terms, no surprises.

One Number

Enquiries and renewals, through 8000 8000, with a team that knows Bahrain.

Backed by BCFC

Part of Bahrain Commercial Facilities Company, a trusted name for financing that Bahrainis have relied on for decades.

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Good to know

Questions, answered

Which plan is right for my family?

We Fit suits everyday family cover and adds life and personal-accident protection. TISCO Care 2025 reaches further - chronic conditions, maternity, dental and physiotherapy - but carries no life cover and applies waiting periods. A short call is the quickest way to work out which fits; call 8000 8000.

Does the cover include my whole family?

Yes - both plans are family health plans. TISCO Care 2025 covers members from 14 days to 65 years of age. Tell us who needs covering and a specialist will confirm the options and the premium.

How do I claim?

Claims are settled by the insurer - Gulf Union for We Fit, and GIG Bahrain through GlobeMed Bahrain for TISCO Care 2025. Call us on 8000 8000 if you need help understanding your cover or who to contact, and we'll point you the right way.

Are there waiting periods?

On TISCO Care 2025, pre-existing and chronic conditions carry a 90-day waiting period and maternity a 180-day waiting period. On We Fit, pre-existing and chronic conditions are excluded for the first 6 months and maternity carries a 9-month waiting period. Cover starts from your policy date for everything else.

What does TISCO Care 2025 cost?

The gross premium is BD 199 a year before VAT. Call 8000 8000 or request a callback and a specialist will confirm the exact premium for everyone you want to cover.