NBK offers free travel insurance if you book your flight tickets using their credit cards. I’ve never had a chance to test their insurance till my recent trip to the US. I had accidentally cut my finger with a sharp blade and had to go to the ER, and my bill was $2,000 (which I later managed to negotiate down to $780).
Since I always book my tickets through NBK, I decided to check if my injury was covered. And it turned out that yes, it was covered. I get $50,000 for emergency medical coverage.
So when I got back to Kuwait, I got the documents ready (like scanning my passport and sending the original medical report) and sent it to Al-Ahlia Insurance (NBK’s insurance buddy). It took them a week to reimburse me the full amount (less $100 deductible).
Here’s a link to NBK’s travel insurance page, and here’s a list of what incidents are covered (and amounts offered) by NBK’s travel insurance: