Social Insurance and Healthcare for Foreign Workers in Bahrain.

Author

Denis Popov

Each of us has the thought of moving abroad and starting a new life in the prospective country. But at the same time, too many questions arose at once, to which you could not or did not want to find the correct answers. These questions are related to the search for a worthy employer, the process of preparing documents for moving, adaptation to a new environment, the language barrier, and others. Undoubtedly, moving to an unfamiliar country requires serious preparation and approach. But, moving for living or work to Bahrain is the safest and the most profitable choice. 

Bahrain is the most developed country in the Middle East, with an open economy. Since the end of the 20th century, the country has invested heavily in the banking system and tourism. In the capital of the country, Manama, are the parent companies of many large financial structures. Bahrain's financial industry is very successful. In 2008, Bahrain was named the fastest-growing financial center (according to the World Financial Centers Index). Bahrain's banking and finance sectors, particularly Islamic banking, have benefited from regional growth driven by oil demand. The largest export from this place is oil. The percentage is 60% of export revenue, 70% of parliament’s revenue, and 11% of GDP. Aluminum is the second most exported product. Next is the export of finance and construction materials. All of these sectors need good and qualified specialists. They have to be for the job with one of the best companies in the whole world. 

Understanding Social Insurance and Healthcare in Bahrain

Moving to a new country is always required with a big pack of documents, hours on the road, and lots of educational and work processes, but it is worth it. Foreign workers get amazing occupation experience and a well-paid vacancy. This job market is full of concurrent and difficult tasks to do. You have to be ready for lots of hours working and improving yourself in the desired sphere. That is why you have to be sure of your self-care in the new country. It is necessary to know what services are provided for the person by the government. One of the main things for foreigners is Travel insurance. This is for foreign nationals which also allows non-residents to enter and covers not only coronavirus and war accidents but all illnesses and injuries (as well as medical insurance). This program can be concluded for a short period - 2 days or more and provides the insured with medical coverage. It is very important in the event of an emergency on one of the working days. The foreigners will be provided at the expense of the insurance company.

Social Insurance and Healthcare in Bahrain

Coverage for Foreign Workers

Bahrain's healthcare system dates back to 1960. It is a universal healthcare system. The provided healthcare is free to the national citizens and subsidized for non-Bahrainians. Modern treatments, medical practices, and the latest-generation medicines are available in various hospitals and medical centers in Bahrain. In addition to general hospitals, there are several personal clinics. There is general surgery, cardiology, gynecology, internal medicine, obstetrics, orthopedics, and dentistry, and various medical services such as computed tomography and magnetic resonance imaging are provided. You can be sure that you're getting a medicine that will help in case of health problems. Every foreigner gets coverage. This is fixed by the official documents and provided with government support. Under the National Social Health Insurance Program (Sehati), Bahrainis and domestic workers receive free health insurance from the government, while other expatriates are covered by their employers. Citizens and residents can book medical appointments online for general practice clinics at health centers. It is recommended that you always carry your insurance policy during your stay. You should note that illnesses related to pregnancy, drug, and alcohol addiction are not covered by insurance. When visiting a medical facility, you have to call the insurance office at the phone number listed on the insurance policy and provide your name, date of birth, policy number, and other personal information of the insured foreigner. The company representative will refer you to a doctor if necessary. The insurance company will pay the cost of the medical examination and further treatment. There is one necessary thing to be mentioned. If you don’t tell your company about visiting medical places, your coverage won’t be possible. 

Accessing Social Insurance and Healthcare

There are many institutions for foreigners with good services and professional experience in the healthcare sphere. The Social Insurance Organization (SIO) plays the main role in Bahrain, overseeing the administration of social insurance benefits and pension schemes for employees. Employers using Zoho Payroll need to familiarize themselves with SIO to ensure compliance and provide employees in Bahrain with essential advantages. One of them is the Bahraini Insurance Group. It offers many insurance types and risk management solutions. It was set up in 1999 by merging the operations of the National Insurance Company and Bahrain Insurance Company. Their insurance heritage dates back to 1969. Over the years, they have earned a formidable reputation for the quality and excellence of our service and are, today, a household name in Bahrain. Why is it so popular for the tourists? There are many reasons for this:

  • It is a widely-held public company listed on the Bahrain Stock Exchange. It has many positive commentaries on the provided coverage from the clients.

  • You get full payment for different medical services types.

  • You always have constant support from the company.

This company has helped many people to get well-qualified hospital options. 

Healthcare for Foreign Workers in Bahrain

Importance of Social Insurance and Healthcare

Many people have a question: “Why is it so necessary to get social insurance if I can get the same medical services with a payment process?” This question is so easy to consider. It is a legal process. You have an officially provided document of your personality. In case of accidents on one of the working days, you’ll get timely medical assistance. Moreover, there are many options and benefits for workers with coverage. Firstly, they can get free job consulting and recommendations support from the company. In this case, they can improve their qualifications and occupational skills. Secondly, there are lots of pluses in the medical field: they get paid hospital help, they can be granted health security cards, and they complain about the health safety law. 

Ensuring a Secure and Healthy Stay

Bahrain is the leader in its safety and security for all foreign workers. Preventing illness and security threats in the workplace is the most important job there is. As a business owner or manager, a huge part of the job is maintaining the safety of your employees so they can stay productive and healthy in their work environment. Office security keeps each tourist and worker safe. To take out insurance for treatment in Bahrain, you need your passport or a copy of it. You ought to know the estimated travel dates of your future victorious job trip to this place. Bahrain’s security system is customizable, so you know that your industry, no matter how unique, will be protected in the case of a break-in, robbery, workplace violence, or other emergency. 

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Social Security is something that needs to be taken care of. But before doing this, I recommend finding out as much information as possible. Believe me, this step will never be superfluous, but it can be very useful and help in different situations.
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Foreigners must take care of all documents before starting work in Bahrain. Of course, you can turn to a specialist for help, but you should also familiarize yourself with the requirements. I read this article and I can say that it is very useful. If you haven't read it yet, hurry up.
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I am one of the foreign workers who have found their calling in Bahrain. I want to reiterate the importance of social insurance because it was useful to me at one time. Choose suitable insurance or check with your employer if the company handles these issues instead of employees.
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You need to take care of your health, but in many cases, visiting medical facilities without insurance is expensive. Therefore, first of all, I made sure I had health insurance. It can be selected on favorable terms, so study them in advance.
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I want to say that all of the above is very important. Factors such as insurance should not be overlooked. Especially if you moved to another country. Read this article in its entirety to form a more accurate impression on this matter.
ORGEN TOTI LYONGA and 1

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