Two companies can buy medical insurance for workforces of the same size and end up with completely different costs and coverage — and the gap almost always comes down to who understood the policy and who negotiated better. This training course from the Arab British Fellowship Training Academy is built around closing that gap, for anyone who deals with health insurance offers, contracts or terms.

Health insurance itself works on a simple idea: risk pooling. The costs a disease or condition creates for a society or group get collected and shared out across many individuals instead of falling on one person alone — a form of social solidarity that insurance companies organise in exchange for a set premium. This course walks through how that system actually operates, from classifying policies and calculating premiums to negotiating and concluding the agreement itself.

What You Will Master

• How health insurance risk-pooling works, and why coverage terms differ between insurers.
• Classifying insurance types and reading policy documents and premium calculations accurately.
• Managing insurance contracts, including cost-sharing arrangements and continuous coverage.
• Recognising insurance fraud and understanding recent amendments to insurance contracts.
• Negotiating contract terms and successfully closing medical insurance agreements.

Who Should Attend

• Managers and owners of establishments looking to solicit medical insurance offers.
• Employees of health insurance institutions and those interested in health insurance.
• Workers in health management and the administrative side of the health sector.
• Department managers and heads, and staff of safety and risk-avoidance departments.
• Staff responsible for concluding contracts, and negotiation and external-relations officers.

Module 1: Why Health Insurance Exists and How Risk-Sharing Works

• The history of health insurance development, and health service providers.
• Insurance foundations and their requirements.

Module 2: Reading the Policy — Classifications and Documents

• Insurance classifications and types of health insurance documents.
• Health insurance procedures and the relevant insurance law.

Module 3: Costing and Premiums

• Ways of calculating health insurance premiums.
• Endurance cost and endurance ratio, and preparing health insurance programs.

Module 4: Managing and Renewing Insurance Contracts

• Ways of managing and planning insurance contracts, and continuous health insurance.
• The latest amendments to insurance contracts.

Module 5: Insurers, Providers and Medical Care Systems

• Insurance companies and the insured persons, and health service providers.
• Medical care systems.

Module 6: Personal Accident Coverage and Fraud Detection

• The personal accidents document: its definition, importance and relation to medical accidents.
• Recognising the means of insurance fraud and how to reveal it.

Module 7: Negotiating and Closing the Agreement

• Negotiating the terms and conditions of the contract and concluding it.
• Practical applications of medical insurance.

Certificate

Participants receive a certificate accredited by the Arab British Fellowship Training Academy upon completion.