Health
What social security doesn’t pay, we take on.
Consultations, pharmacy, tests and hospital stays, then dental, optical and maternity depending on the plan: top-up cover that follows your treatment.
- Also as takaful
- Buy entirely online
Compare the plans
Three plans. One question: what do you want to protect?
Every price is worked out by our engine for the same reference profile, taxes and fees included.
| Cover | EssentialHospital and everyday care, nothing extra. | RecommendedComfortTeeth and glasses as well, for the whole family. | PremiumThe highest limits, maternity included. |
|---|---|---|---|
| Hospital stays | Included | Included | Included |
| Doctor visits | Included | Included | Included |
| Prescriptions | Included | Included | Included |
| Tests and scans | Included | Included | Included |
| Dental | Optional | Included | Included |
| Optical | Optional | Included | Included |
| Maternity | Not covered | Optional | Included |
| Yearly price incl. taxes | 26 148DZD | 42 323DZD | 65 685DZD |
| Takaful contribution | 26 148DZD | 42 323DZD | 65 685DZD |
| Choose Essential | Choose Comfort | Choose Premium |
Reference profile · One person aged 40 living in Algiers.
As takaful the contribution is the same; on the recommended plan, DZD 8 357 (20%) pays for running the fund and the rest belongs to the participants.
Made-up prices worked out by Hima’s demonstration engine: no real offer, nothing is charged.
How you are reimbursed
Three steps, no chasing paperwork.
Social security pays its share, Hima tops up the rest. All you do is send a photo.
You see a doctor
At the doctor’s, the pharmacy or the clinic, you show your Chifa card and your Hima card.
Social security pays its share
The CNAS or CASNOS reimburses on its reference rates, directly or after your treatment form.
Hima tops up
You photograph the statement and the invoices in your account; the top-up is paid into your bank account.
The cover
What each cover pays for, in plain words.
Hospital stays
Room, theatre and doctors’ fees in a private clinic, on top of what CNAS pays.
Doctor visits
GPs and specialists, in a practice or a clinic.
Prescriptions
What you still pay on prescribed medicines.
Tests and scans
Blood tests, X-rays, ultrasound and CT scans.
Dental
Treatment, crowns and braces, within a yearly limit.
- Limit
- DZD 120 000
Optical
Lenses and frames, one pair a year per person.
- Limit
- DZD 30 000
Maternity
Pregnancy check-ups and a clinic birth.
- Limit
- DZD 150 000
What the law says
Social security first, top-up cover second
Employees and their dependants come under the CNAS, the self-employed under the CASNOS: social security reimburses part of the cost of care on the basis of its reference rates.
Top-up health insurance is not compulsory. It pays after social security, on what is left for you to pay, within the plan’s limits and never beyond what you actually spent.
Your health data is protected by the personal data protection law and is used only for your reimbursements.
A general summary: it replaces neither the law itself nor the terms of your contract.
Questions
Your questions, answered.
Do I need to be registered with the CNAS?
That is how top-up cover works best: it pays after the CNAS or CASNOS, on what is left for you to pay.
Is there a waiting period?
None for a hospital stay after an accident. Three months for dental and optical, ten months for maternity.
Can I add my spouse and children?
Yes: each member is priced by age, and the whole family shares one contract and one account.
Are private clinics covered?
Yes, within the plan’s limits. At partner facilities the bill can be settled directly, so you pay nothing up front.
How do I send my receipts?
From your account: a photo of the statement and the invoices is enough. Keep the originals for two years in case of an audit.
Can I change plan?
At each yearly renewal, up or down. You can also move up after a marriage or a birth.
Your quote
Your top-up cover online, in minutes.
The family members, their ages and your wilaya: the price of each plan appears at once.
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