Anyone who has ever tried to use medical insurance knows the feeling. The phone calls. The approvals. The waiting periods. The fine print that only becomes clear when you actually need care. In Kuwait, where private healthcare costs can add up quickly and access to government hospitals is limited to citizens and residents, navigating medical coverage can feel less like protection and more like a test of patience. Care+ was created to solve a very specific version of this problem by offering something simpler, faster, and more flexible for real life.
We spoke to Satish Sharma, Managing Director of Insure & Secure, the company behind Care+ to learn more about the exciting new product. Rather than positioning itself as another insurance plan, Care+ introduces a hybrid model that focuses on immediate usability. At its core, Care+ combines two elements. The first is worldwide personal accident insurance, providing accidental death coverage of KD 2,750 per covered member. The second is instant healthcare discounts of up to 20 percent across a broad network of private healthcare providers in Kuwait, including hospitals, medical centers, dental clinics, laboratories, physiotherapy centers, optical shops, and pharmacies. Together, these features create a single package designed to reduce both financial risk and everyday medical expenses without the complexity usually associated with insurance.
The appeal of Care+ lies in what it does not require. There are no medical underwriting conditions, no waiting periods, and no claims or reimbursement cycles for healthcare expenses. Members simply present their Care card at participating providers and receive the discount immediately, at the point of payment. This direct model removes uncertainty and paperwork from the process, making healthcare access more predictable and far less stressful, especially during urgent or unexpected situations.
Care+ is intentionally broad in who it serves. It is available to individuals and families regardless of age, nationality, or residency status. For families who already have medical insurance but face coverage limits or exclusions, Care+ acts as a practical supplement. For those who do not have insurance at all, including elderly individuals or people who do not meet eligibility criteria for traditional plans, it offers a way to manage medical costs without navigating restrictive policies. It is also designed with visitors in mind. Short term visitors to Kuwait often find themselves in a difficult position, unable to access government hospitals and facing high private healthcare fees. Care+ allows them immediate access to discounted care during their stay, providing peace of mind without requiring residency or long-term commitments.
One of the most important distinctions Care+ makes is clarity about what it is and what it is not. Care+ is not a medical insurance plan and is not positioned as a replacement for comprehensive health insurance. The personal accident component is limited to accidental death coverage only, a structure shaped in part by local regulatory requirements. In the event of a covered member’s death, the beneficiary can initiate a claim by submitting the required inheritance documentation, which is reviewed and verified by Boubyan Takaful, the provider responsible for the personal accident coverage. This clear scope avoids confusion and sets realistic expectations from the outset.
On the healthcare side, the value comes from access. Care+ partners are selected and managed by GlobeMed Kuwait, a regional healthcare services organization with extensive experience in building and maintaining medical networks. GlobeMed ensures that participating providers meet defined quality and service standards, giving members confidence in where they receive care. Discounts must be used directly at the facility and cannot be claimed retroactively, a system that reinforces the product’s focus on immediacy and transparency.
Affordability is another key part of the Care+ proposition. With pricing starting from KD 22.500 per year, the product is designed to be accessible to families rather than positioned as a premium offering. Multiple family members can be added under a single package, with each person receiving their own Care card. This structure allows households to manage healthcare costs collectively while still giving individuals independent access to benefits.
What Care+ ultimately reflects is a shift in how healthcare support can be delivered in Kuwait. Instead of asking users to adapt to insurance systems, it adapts to how people actually seek care. Routine doctor visits, lab tests, dental appointments, and pharmacy purchases are where costs accumulate, not just during major medical events. By offering consistent, upfront savings on these everyday needs, Care+ helps families plan and budget more effectively.
Early feedback from members has focused on convenience and perceived value. Users cite the ease of purchasing the package, the breadth of the healthcare network, and the immediate savings as key benefits. The added reassurance of worldwide personal accident coverage, while limited in scope, provides an extra layer of security that many families appreciate.
Looking ahead, the Care+ team sees potential for expansion beyond Kuwait. One future vision includes extending the discount model across borders, allowing members to access benefits in multiple countries, particularly within the GCC or between countries with strong travel and family ties. Such an expansion would build on the same principle that defines Care+ today: healthcare support should be practical, transparent, and designed around how people actually live.
In a market where medical insurance can often feel overwhelming, Care+ offers a quieter alternative. Not by replacing insurance, but by removing friction from the moments when care is needed most.
Visit careplus.insure-secure.com to learn more.