Patient Resources

Insurance & Payment Options

AlHayat Medical Center

Payment options at AlHayat Medical Center

Health insurance, 0% interest medical financing, and interest-free split payments. Health insurance and 0% interest medical financing. Clear options to plan the cost of care at AlHayat Medical Center.

Coverage, co-payments, and approvals depend on each insurance policy. Confirm coverage with the insurance provider or our insurance team before treatment.

Accepted insurance networks

  • GIG (Gulf Insurance Group)
  • GlobeMed Kuwait
  • WAPMED TPA Services Co.
  • Protection

To check whether a policy from another insurance company is covered through one of these networks, contact our insurance team.

What to bring

  • Valid insurance card
  • Civil ID

Pre-approval

Some procedures need approval from the insurance provider before treatment. Our insurance team submits the request and follows up with the provider.

Amounts not covered

Any co-payment, deductible, or service not covered by the policy is paid at the center. Medical financing and split payments can be used for these amounts. Medical financing can be used for these amounts.

Medical financing is provided by Boubyan Bank. Approval and final terms are decided by the bank.

At a glance

Feature Detail
Interest rate 0%
Financing amount Up to KD 25,000
Repayment period 12 to 60 months
Repayment Fixed monthly installments
Structure Sharia-compliant

What it covers

Essential medical services and treatments, such as surgery, IVF, and dental treatment.

What it does not cover

  • Cosmetic procedures
  • Emergency cases
  • Treatment of chronic diseases

Eligibility

  • Age 18 or older
  • Applicants under 21 need the signature of a legal guardian
  • Minimum net monthly income of KD 500

Required documents

  • Civil ID
  • Military ID (military staff only)
  • Salary certificate, valid for one month from issue unless stated otherwise
  • Treatment quotation from AlHayat Medical Center
  • Bank statements for the last 3 months (applicants who do not bank with Boubyan)

Boubyan Bank may ask for additional documents.

  1. Request a treatment quotation from the AlHayat Medical Center Finance Department.
  2. Visit a Boubyan Bank branch in person with the quotation and the required documents.
  3. Submit the health finance application at the branch. Applicants under 21 must attend with a legal guardian, who signs the application.
  4. Boubyan Bank reviews the application and informs the applicant of its decision.
  5. Once the financing is approved, our Finance Department will contact you to schedule treatment.

For branch locations and working hours, call Boubyan Bank on 1820082.

Boubyan Health Finance Details

Split payments are provided by Taly, a buy now, pay later provider licensed and regulated by the Central Bank of Kuwait.

Payment schedule

Example for a KD 100 bill:

Payment When Amount
1 At checkout KD 25
2 30 days later KD 25
3 60 days later KD 25
4 90 days later KD 25

Key features

  • 0% interest
  • No fees
  • Sharia-compliant
  • Payments tracked in the Taly app

Eligibility

  • Residents of Kuwait aged 21 or older
  • Valid Civil ID

To sign up

  • Valid mobile number
  • Civil ID number
  • Kuwait Mobile ID (Hawety) app for identity verification

Accepted payment methods

  • KNET
  • Visa
  • Mastercard
  • Apple Pay

Taly reviews and approves each purchase automatically.

  1. At reception, choose Taly as the payment method.
  2. Give a mobile number to the reception team.
  3. Open the Taly payment link sent by SMS.
  4. Sign in, or create a Taly account in about one minute.
  5. Pay the first of the 4 payments.
  6. The remaining 3 payments are collected by Taly every 30 days.

Payment reminders

Taly sends a reminder 5 days before each due date, 1 day before, and on the due date.

Paying early

The full remaining balance can be settled at any time with the Pay All option in the Taly app.

Missed payments

Taly reports to Ci-Net. Repeated late payments can affect the payer's credit record.

Refunds

Refunds are requested through AlHayat Medical Center. Once approved, Taly cancels or adjusts the remaining payments. Refunds to a bank account take up to 7 business days.

Finance Department

Questions about payment or insurance

For more information, contact our Finance Department at 22212888 ext. 40 (ext. 29 for insurance), WhatsApp at +965 60707995, or email at finance@alhayatmc.com/ insurance@alhayatmc.com.

Medical financing is provided by Boubyan Bank and split payments by Taly. Each provider sets its own eligibility, approval, and terms, which may change. Medical financing is provided by Boubyan Bank, which sets its own eligibility, approval, and terms. These may change. Information on this page was last reviewed in October 2026.