Commercial health insurance

Q: Could you kindly advise us about the following topics: Firstly: We have a medical center in Tabuk which offers (Part No. 15; Page No. 272) medical services for the citizens and others in return for a small amount of money equaling 50 riyals to make the necessary examination for patients, but we want to make a program for low-cost medication for the patients who frequently visit the dispensary all year long as follows: A subscriber only pays a fixed amount determined by the administration which includes medical examination whenever the subscriber wants to have himself examined three times a month during the period of subscription. In addition to the following features: 1- Having a 5% discount on medication. 2 - Having a 15% discount on surgical operations in one of the private hospitals. 3- Having a 20% discount on getting medical analyses and services inside the center. 4- Having a 5% discount on teeth works. As for the cost of subscription in the program per person, it is 580 riyals, but when the whole family subscribes in the program, they pay 475 riyals yearly per person. Secondly: A program for following up pregnant women from the first day of pregnancy until the time (Part No. 15; Page No. 273) of delivery for 800 riyals including all the necessary medical analyses related to pregnancy during the period of pregnancy and also the frequent visits to the gynecology and obstetrics clinic two or three times a month. In the last month of pregnancy, once a week according to a special timetable which is given to pregnant women with two free follow up visits after delivery to make sure of the mother's health and giving the baby a card for free treatment for one full year at the pediatric specialist clinic. Thirdly: the healthy baby program, and the cost of this program is 490 riyals. It includes examining the child for one year which is the duration for the subscription in the program in addition to a 20% discount on the services offered inside the center such as x-rays, analyses, and simple surgeries and a 15% discount on major operations in one of the private hospitals. It is the right of a child to have himself examined three times a month during the period of subscription.