QLM Medical Insurance

QLM is one of the leading providers of group life and medical insurance in Qatar. Founded in 2011, the company is incorporated in the State of Qatar and licensed by the Qatar Central Bank (QCB). Qatar Life & Medical (QLM) was the first life and medical insurance company in Qatar and currently, it has the largest market share for group life and medical insurance in the country.

The company has steadily grown to become one of the leading insurance companies in the country. For both Group Medical and Group Life, the Company has a dominant market share in Qatar and is also a leading insurer in the GCC region. With an A- rating from Standard & Poor’s, QLM offers world-class life and health insurance products and services to its customers.

Pros And Cons 


Provides world-class customer service.

A high-quality life and health insurance product.

Coverage for all major issues.

24/7 emergency medical assistance.

A global and local network of healthcare providers.

Affordable premiums.

QLM has the lowest and most competitive co-insurance rates in the industry. 


There are only Medical and Life insurance services available.

Available Products (Insurance)

As a Qatar Public Shareholding Company, QLM Medical Insurance provides health care services to individuals and families in Qatar. The company is a full-range insurer with a comprehensive suite of products and services including conventional, alternative, and multiple lines. The company is committed to providing the highest standard of service to the community. 

QLM offers four product lines – Life, Medical, Executive, and Community. The main difference between the product lines is the inclusion of additional benefits. For example, all insurance products include emergency medical assistance for any member needing urgent care while traveling domestically or internationally. However, the Executive line members also receive concierge services including visa support, hotel services, ticketing, and more.

With more than 75,000 medical service providers spread across 103 countries across six continents, the Company’s management team has wide experience in the medical and life insurance sectors, averaging 15 years.

For Qataris living in Qatar, QLM Medical insurance provides health insurance coverage for inpatient, outpatient, dental, medical treatment, and more. QLM insurance company offers Life and medical insurance products to its customers. Here is a brief overview of these products.

QLM offers great packages that cover everything from the elderly to families. They have many flexible plans that can best fit your lifestyle and budget.

This company has a global network of doctors who are available around the clock to answer any questions. They also have doctors in different countries so you can stay safe everywhere.

Life Insurance

To protect your loved ones in case of the unexpected, the company offers life insurance products. QLM’s life insurance policy provides security to the family members of its policyholders. This product includes death, disability, and income coverage. 

QLM offers two types of life insurance products – regular life insurance and term life insurance. The main difference between the two is that regular life insurance provides coverage for a longer period of time while term life insurance only covers someone until a certain age (for example 55 years old).

It is important to give yourself and your children the best of what life has to offer. The company offers a seQure plan that is a series of unique financial plans and helps you prepare for retirement as well as secure the future of your children. The company offers two types of life insurance plans: A child plan and a Retirement plan.

Child Plan

QLM’s child insurance plan offers financial protection for the future dreams and goals of your child. This plan offers both life insurance and investment benefits. 

In this policy, the policyholder can protect their children’s future as well as build up an investment corpus in order to help them meet important milestones throughout their lives. QLM’s child insurance plan comes with a variety of benefits for the child, parents, and family. 

The QLM insurance company’s Child insurance plans have the following benefits:

QLM, the region’s top medical and life insurance firm, worked in tandem with its world-class level of service to provide a diverse variety of insurance options that suited your specific requirements.

Protection Benefits: The company provides financial protection for your children in case of death or total disability of the payor. The Child Protection Benefits are:

  • Flexible payment terms for premiums.
  • Sum assured payable in case of death.
  • Sum assured payable if the insured is diagnosed with a terminal illness.
  • In case of accidental permanent total disability, the sum assured will be payable.
  • If the insured are diagnosed with all 37 illnesses, the sum assured will be payable.
  • When the life insured dies, the policy payout will continue until the remainder of the term.

Education Fund Benefits: The company offers the following Child Education Fund Benefits:

  • Withdraw education withdrawals at a predefined age for five years during the policy term towards education fees. 
  • Uninterrupted worldwide benefits. 
  • Avail final payout of the fund at any time during the policy term while their plan ceases at this point. 
  • Provides a wide range of vintage global funds.

When it comes to a child insurance plan, the parents own the policy, and the child is the beneficiary. By purchasing a child insurance policy, you can invest in your child’s future plans like education and marriage.

Please click on the below link for information about how to qualify for a child plan, including the age at entry, the term of the annual premium payment, and the term of the policy.

Link: https://www.qlm.com.qa/Life-Insurance/childplan.html 

Retirement Plan

This retirement plan is a type of life insurance or annuity designed to meet your post-retirement needs, such as medical and living expenses. With these policies, you can plan for your expenses and secure your future so that you can enjoy your golden years with financial independence. The retirement plan of the QLM insurance company offers the following benefits:

Protection benefits: QLM’s Retirement plan of life insurance includes the following protection benefits:

  • Lump sum amount paid in the case of death. 
  • Coverage for the beneficiary of the deceased. 
  • Amount of coverage to cover terminal illness and death.
  • Provides a lump sum if any of 37 critical illnesses are diagnosed.
  • Covers accidental permanent total disability.
  • Provides the insured a guaranteed installment benefit of minimum premiums in the event of critical illness or Accidental permanent total disability.

Retirement Benefits: Retirement benefits include:

  • Purchase of a lifetime annuity in India at a pre-defined age during Policy Term.
  • Enjoy uninterrupted international protection during Policy Term.
  • Receive final payout of the fund value at any time before age 99, when plan ceases.

Retirement plans provide you or your family members with a regular pension amount after you retire. The company provides a lump sum payment to the dependent and family if the breadwinner passes away. In addition, the company allows you to start your pension in INR and continue your insurance in USD.

QLM’s e-services and portals, in addition to its highly trained employees, provide the greatest options and platforms for clients, ensuring quick and simple access. The

The company offers you 360 solutions for employee benefits, which makes it a leading workforce in the insurance sector and one of the best picks in the region. 

You can find more information about QLM’s retirement plan by following the link below:


Medical Insurance

QLM Insurance Company is one of the leading companies in the field of medical insurance. The company provides group medical insurance solutions, which are designed to cater to every group’s needs and have built-in flexibility regarding cost based on the choice of coverage. You can get competitively priced policies for yourself or your family which are designed to meet your medical requirements. QLM Medical Insurance offers a family plan that includes the following benefits:

  • Provides coverage for prenatal care, delivery, and postnatal care. 
  • Comprehensive dental coverage that includes all standard procedures.
  • Optical coverage for lenses and frames.
  • 24-hour medical assistance.
  • Physical therapy, complementary therapies, and alternative medicine.
  • Provides coverage for pre-existing injuries as well as chronic illnesses.
  • Provides Medical evacuation services.
  • Emergency medical assistance worldwide.

Additionally, it offers corporate group medical insurance, which is a type of health insurance offered by employers to their employees. It covers the employees for several healthcare expenses such as inpatient hospitalization costs, pre-hospitalization and post-hospitalization costs, daycare procedures, dental, maternity & optical, etc. 

Also, QLM Medical Insurance Company offers its customers the following plans:

  • Individual Health Insurance
  • Senior Citizen Plan
  • Family Health Insurance
  • Visitor Plan

QLM Medical Insurance is the leading company that provides health care services to corporate customers in Qatar. It has various medical card plans, dental plans, pharmacy plans, and more. Having these services can help Qatar residents take care of their health.

The QLM Insurance company has a broad network of healthcare providers in the world.

Besides having a large network of healthcare providers in Qatar, the company has over 15 years of experience and over 75,000 medical providers in 103 countries across 6 continents.

The company has established long-term relationships with customers of its group medical insurance and group credit life insurance products. The company has a strong history of financial performance, which makes it able to win new contracts, renew existing policies, and establish and maintain relationships with providers.

So, if you’re looking for a medical and life insurance provider in Qatar, QLM Medical Insurance company is the right choice.

The QLM Medical Insurance Claim Process

QLM Medical Insurance company offers several options for making a claim. The company also offers a simple and straightforward claim process. You can submit claims both online and offline. 

To submit a claim, you can fill out an online form on the company’s website. Download the QLM Reimbursement Claim Form from this page. You can also submit claims through the company’s QLM Mobile App. As well as filing a claim online, you can also contact the claims department by calling 8000880. 

In addition to making a claim online, you can also make one offline by visiting the company’s office in person. The office of QLM is located at QIC Building, 5th floor, Tamin Street, West Bay, Qatar.

Remember you need to provide all relevant documents when filing a claim, including but not limited to the following:

  • A copy of the QLM Health Insurance card.
  • Original Itemised Invoice with the date.
  • Original Receipt or Payment Proof.
  • A detailed Medical Report / Discharge Summary duly filled in, signed, and stamped by the attending Medical Practitioner.
  • Copy of result of investigations (Laboratory / Radiology / Endoscopies, etc.).
  • Copy of the Prescription.
  • A copy of the birth certificate (Maternity).

You must submit all claims within 30 days of service, by providing the above documents. If you can’t find the information you’re looking for, contact QLM Medical Insurance. It is fast and simple to file a claim, and it will be even faster and easier if you provide as much information as possible.

QLM Medical Insurance Office

The QLM Insurance Company has an office in Doha, Qatar. This office serves as the main contact center for customers of the Group Credit Life and Group Medical insurance products. If you want to file a claim or have any questions, visit the office.

With a strong financial foundation, local and global market knowledge, as well as all-day in-house operations without any external party like no other, it’s no surprise that QLM has fast become the preferred choice for millions of individuals across the world.

“We consider each life to be priceless, which is why we continue to provide our clients and their loved ones with the best and most convenient choices at an affordable price,” the firm added.


Who Is The CEO Of QLM Insurance Company?

Fahad Al-Suwaidi is the CEO of QLM Insurance Company.

How Can I Contact The QLM Insurance Company?

If you have questions or need to contact the QLM insurance company, call 8000 880. Additionally, you can also contact them by filling out the form on the company’s website. Click on the below link to get the contact form: https://www.qlm.com.qa/customer-care/ 

Can I Get Individual Insurance Coverage From QLM Insurance Company?

Presently, the company is offering Health insurance solutions to corporate customers only.

Which Payment Mode Are Available For A Cash-Reimbursement Claim?

Depending on your preference, payments can either be made by check or by bank transfer.

Does My Health Insurance Policy Cover My Parents?

No, QLM Medical Insurance company does not cover your parents under your health insurance policy. Insured dependents can only include the employee’s spouse and children.