The "Tameeni" (website) is owned by Tameeni e-broker Company ("Tameeni"). Tameeni is an insurance broker regulated entity authorized by the Saudi Insurance Authority and the aim of the "website" is to compare insurance offers and allow its users to browse and / or request insurance services, and the website also provides payment facilities to pay the financial requirements for obtaining insurance services.
A- Definitions:
- "we" "us" "our" and "Tameeni": all means Tameeni website www.health.tameeni.com owned by Tameeni.
- "You" and "your": and all similar expressions refer to the user of Tameeni website.
- "Service Provider" "Insurance Companies": Insurance companies licensed to work in the Kingdom of Saudi Arabia by the Saudi Insurance Authority, which is available on "Tameeni".
- “Service”: We offer you a fair comparison service between the prices of insurance products and services in addition to the product information from the service providers so that you can make a decision and follow up.
- "Insurance offers": insurance policies submitted by "insurance companies" including prices, document wording, policy tables, terms and conditions for the insurance company that issued the policy.
B- Note points:
We set out below the important points for you to note when using our website. These summary points are not part of our Terms and Conditions and are for reference only
- If you are an insurance broker or a sales representative or reseller, note that the regulations of Saudi Insurance Authority and TAMEENI policy strictly prohibit the use of Tameeni website by the insurance brokers or sales representatives. The use of this website by insurance brokers or sales representatives or resellers is an illegal act. Tameeni website is only for personal usage and is exclusive to the concerned individual and policy holder, and non-transferable to any third party. The only exclusion to this rule is related to health insurance being sold to employees of the Small and Medium Enterprises under one insurance policy for the involved enterprise and its employees. Tameeni reserve the right to prosecute any insurance broker or a sales representative or reseller found to be using this website illegally. Tameeni also reserve the right to sue insurance brokers or sales representatives or resellers for any legal and financial damages occurring to the website due to their illegal use.
- You must provide accurate and complete information when using this website so that we can provide appropriate price comparison quotes. If you input incomplete or incorrect information whilst using this website and enter into an insurance policy with a provider on the basis of such inaccurate information, your insurance policy may be void, not fully meet your insurance needs and/or not
- All information data and copyright material contained on this website must not be reproduced or used without our consent.
C- General Terms and Conditions:
- These Terms and Conditions apply to your use of this website.
- By using this website you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions, you should not use this website.
D- Use of this website:
- By using this website you agree that:
- You will not do anything that affects the integrity or security of this website or causes or may cause harm, damage or unreasonable inconvenience to other users of this website or us; and
- You will not gather, extract, download, reproduce and/or display or advertise on any other website, other online or off-line service or otherwise, any material on or from this website.
- If you breach any of the clauses set out at 2.1 above, we may take such action as we deem appropriate, including denying you access to this website, bringing legal proceedings against you and disclosing such information to appropriate legal and/or regulatory bodies.
- If you use www.health.tameeni.com, you are responsible for maintaining the confidentiality of your Account and its password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your Account or password.
- "Tameeni" is intended for selling Products to adults above 18 years old who can purchase with a Card or other permitted payment method available through Tameeni’s service.
E- Submission on the Website:
You are welcome to contact us directly at any time with information, reference, ideas, concepts, know-how, techniques, comments, or suggestions. Subject to the following:
- You must not misuse Tameeni website by knowingly introducing materials which is malicious or technologically harmful or that is designed to interrupt, destroy or limit the functionality of any computer software, hardware or interfere with or disrupt Your documents. You must not attempt to gain unauthorized access to Your documents, the server on which Your documents are stored or any server, computer or database connected to Your documents, by breaching this provision, you may commit a criminal offence under the Anti-Cyber Crime Law.
- You are responsible for ensuring that the computer or other devices you use to access Your documents is sufficiently protected against viruses, harmful material or unauthorized access. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to illegal usage of Tameeni website as defined herein.
- You must upload accurate and complete information as requested by us on the website. If the information you upload is incomplete, inaccurate or unclear, it will impact the information displayed to you and we may be unable to provide Your documents to you, or the insurance policy documents and other information we make available to you may be incorrect. It is your responsibility to ensure that your information is accurate and complete and we will have no liability in that regard.
- The information you provide to us or post to Your documents is yours. We do not own this information but you give us a right to use your information to enable us to provide Your documents to you. The data you provide will also be used for analysis purposes to help improve Your documents and other products and services offered by www.health.tameeni.com, in accordance with our Privacy and Cookies Policy.
- We reserve the right to refuse or delete any information or documents you provide, at our own discretion.
- We reserve the right at any time to terminate or restrict or suspend access to Your documents without giving you any prior notice and we will not be liable to you if for any reason Your documents are withdrawn, cancelled or unavailable at any time or for any period.
- "We" reserve the right to refuse Service or access to the Website, terminate accounts, or cancel orders at our sole discretion.
- you are only permitted to view the materials contained on Tameeni website for your own personal non-commercial use. The grant of this limited license is conditional upon your agreement to and in compliance with these Terms of Use. Any other use of any of the materials on Your documents including distributing or making available to third parties (in original or modified form) without our prior written permission is strictly prohibited.
- If you copy or download or publish or make available any content of Your documents in breach of the terms and conditions, your right to use Your documents and content in Your documents will cease immediately and you must, at our option, return, delete, take down or destroy any copies of the content from Your documents.
F- Your obligations:
- "Tameeni" website is only for a personal use and exclusive to the concerned individual and policy holder and is non-transferable to any third party, other that between the insured employees of any SME health insurance policy, when such an SME subscribe to a health insurance policy on Tameeni website for its employees, whereby such employees may enter the Tameeni website to preview the insurance policy and print for usage as deemed fit. It is strictly forbidden to use "Tameeni" website by insurance brokers, delegates, or salespersons, as this use is illegal according to the regulations of the Saudi Insurance Authority.
- It is your responsibility to ensure that all information you supply to us or enter onto this website is complete and accurate, so please double-check your information before submitting it.
- You are further required to share a valid email address in addition to a valid mobile number to receive important information related to your insurance policy.
- You will need to answer a number of questions in order to compare or obtain a quote for any product or service. These questions are designed to ensure that we and all relevant product or service providers have all of the information necessary to provide you with accurate, appropriate and timely information relating to the products and/or services in which you are interested.
- You must read the terms and conditions of the insurance company that issued the policy and read "The Standard Compulsory Vehicle Insurance Policy" in relation to the Vehicle Insurance Policy, in addition to reading and acquainting yourself with the Cooperative Health Insurance Policy found through this link https://www.cchi.gov.sa/Rules/Pages/document1-7.aspx
G- Our service:
- Tameeni’s service provides its customers with insurance products from registered insurance companies that are authorized by Saudi Insurance Authority and all products are compliant with the regulations of Saudi Insurance Authority. The services offer to compare a number of prices for products and services and allows You to make a decision based on those comparisons. There is no charge for this service.
- We do not provide financial or investment advice in relation to the product or service compared, nor do we differentiate between service providers, but rather offer an independent, honest comparison.
- The information you give us is used by the product or service provider to formulate their quote. Therefore, it is important that you double-check all information to ensure that it is complete and accurate. We seek to ensure that we accurately pass on the information you have provided to the product or service provider for the purpose of providing a price comparison.
- These Terms and Conditions and our correspondence with you will be communicated in both English and Arabic.
- Tameeni and/or any of the insurance companies may terminate or reject any insurance policy for any reason whatsoever, without reverting back to You whilst taking into consideration the terms and conditions set by Saudi Insurance Authority.
H- Order process:
- As a Registered User, you may order and purchase Products through the Service. If a payment is applicable to your order for a Product, you agree to pay the full/installment amount for that Product as indicated during the order process. All orders that you place on www.health.tameeni.com will be subject to acceptance in accordance with these Terms and Conditions.
- The ‘’confirmation ‘’ stage sets out the final details of your order. Following that, we will send to you an order acknowledgment e-mail, detailing the Products you have ordered. You may note that this e-mail is not an order confirmation or order acceptance.
- After acceptance of your order, completion of the contract between you and the insurance company will take place on completion of any outstanding procedures, including inspections, subject to the receiving full/installment payment for Products by the insurance company.
- From time to time there may be errors in the pricing of the Products that appear on the Website or during the order process. There may also be errors in transmission resulting in interruption of your purchase. Tameeni will in good faith try to resolve any issues that may arise as a result of such errors. You agree to cooperate with Tameeni to resolve such issues, and you agree that Tameeni shall have full discretion to determine the appropriate resolution in such cases as per the regulations set by Saudi Insurance Authority.
I- Delivery of quotes:
- You should receive the results of our price comparison technology online. However, we rely on the availability of third party sites and general performance of the worldwide web. At certain times some or all online quotes may not be available to you due to problems with third party websites or the worldwide web. Wherever possible, we will try and notify you of this and email you to let you know when your quotes are ready.
- Whilst we strive to provide as comprehensive and easy to use a service as possible, the requirements for your quote may not be met if such requirements are unusual, "nonstandard" or "high risk". If this is the case, you should contact a provider directly to discuss your requirements.
- Each product and service provider will have a different approach to the provision of their quotes and may not make quotes available for all of their products. Where you have expressed an interest in a product restricted by a product or service provider, we or the provider may contact you to assist further (provided that we or the provider continue to treat your data as confidential).
J- Payment:
- We take payment from (Mada or VISA or MasterCard or by Sadad’s service) at the time we receive your order for the relevant Products, after we have checked your Card details.
- To ensure that your Card is not being used without your consent, if you select Visa/MasterCard/Mada or Sadad’s service where you will be required to enter your details, you will then be transferred to a payment gateway to confirm your payment method. We may validate your details against appropriate third-party databases authorized by official authorities. By accepting our Terms and Conditions, you consent to such checks being made. In performing these checks, information provided by you may be disclosed to Visa/MasterCard/Mada or Sadad’s service, who may keep a record of that information. You may note that this is done only to confirm your identity. All information provided by you will be treated in accordance with applicable laws in Saudi Arabia.
- The health insurance premium for small and medium sized enterprises (SME’s) is paid by “you” directly to the insurance company account, where “we” have no control or control over the amount stated.
- The price you pay for the Products ordered is the price displayed on www.health.tameeni.com at the time we receive your order, subject to exceptions. While we try to ensure that all prices of Products on www.health.tameeni.com are mentioned accurately and are linked electronically with insurance companies, it is possible that errors may occur. If we discover an error in the price of Products you have ordered, we will inform you as soon as possible.
- All prices are shown in Saudi Arabia Riyal and include vat (if applicable) at the applicable current rates. With respect to credit card and debit card transactions, please note it is your responsibility to check with your bank first prior to making a purchase that they do not levy any additional service, loyalty or convenience charges and fees for use of such cards and if there is any foreign exchange risk for you. "We" will not be held responsible or liable for any excess charges made by banks (or any involved third parties) to your credit or debit card.
- We have the right to prohibit the use of some payment cards for any reason, at our sole discretion.
K- Liability and Indemnity:
- We are responsible for ensuring that we accurately reflect product or service quotes via our price comparison technology. We are also responsible for statements of fact made to you by us and protecting your data in accordance with Saudi Insurance Authority applicable regulations.
- We will use our reasonable endeavors to provide you with a quality service and virus free website. However, we are not responsible for computer viruses or other computer related problems you suffer as a result of using this website, which are beyond our reasonable control. We recommend that you use your own appropriate virus checking software.
- We are not responsible for any commentary, opinions, ratings or other postings on this website by third parties.
- Insurance Companies, service providers and third party websites are responsible for failings or errors on their websites.
L- SMS messages:
By creating an account, you agree that "Tameeni" services may send you text messages (SMS) as part of the normal business process for your use of the services. You acknowledge that opting out of receiving text messages (SMS) may affect your use of the services.
M- Intellectual Property:
The entire content of the Website including but not limited to text, designs, graphics, photographs, video, interactive presentations, photographs, logos, text, arrangements and layouts are our sole and exclusive property or are licensed to us and all rights are reserved. All trademarks and trade names including Tameeni and all other derivatives thereof including the trademarks appearing on the Website are proprietary to us and may only be used by licensees to whom we specifically grant or license such rights. You agree not to use, disseminate, publish, or reverse engineer any content or other intellectual property rights in this Website without our prior written consent.
N- Privacy Policy:
We will comply with all applicable data protection legislation from time to time in force in respect of the personal data we collect from you. Additionally, we will observe the terms of our Privacy Policy.
O- External Links:
The Website may include advertisements with external links on separate web pages (‘’External Sites ‘’). Once you click or access these External Sites, you will leave the Website. We do not investigate, review, endorse, represent or control the content of any of External Sites, unless otherwise expressly stated in the Terms and Conditions. We will not be responsible or held accountable for the content displayed on External Sites and you will access these External Sites at your sole risk. You also agree not to link any other website or External Sites to the Website without our express prior written consent and approval. External Sites may send their own cookies to you or otherwise collect data or solicit personal information and you are responsible for checking the External Sites to locate and review its terms and conditions and privacy policy and you hereby acknowledge that you access, browse, link and/or bookmark the External Sites at your own risk.
P- Termination:
We may issue a warning, temporarily suspend, permanently suspend or terminate your right to use this website if you:
- Substantially breach any of these Terms and Conditions;
- Infringe or violate or attempt to infringe or violate any rights of any other user(s) of this website and/or third parties in connection with this website; or
- If you are using this website to commit or attempt to commit any crime.
- Misusing or any illegal attempt to hack any part of Tameeni.
Q- Governing Law and Jurisdiction:
The Terms and Conditions apply to Your use of the Website and are compliant with the applicable laws of the Kingdom of Saudi Arabia. By using the Website, you expressly consent and agree to the governing law and jurisdiction of the Kingdom of Saudi Arabia over the terms of use and any dispute over the content of the Website shall be subject to the exclusive jurisdiction of the courts of Riyadh in the Kingdom of Saudi Arabia irrespective of your geographical location.
R- Adjustment:
- "we" reserve the right to change the terms and conditions at any time. Any of these changes are considered effective on the day when posting on the "Tameeni" website, you must carefully read the terms before using "Tameeni" when registering an account or using the "services" and every time you use www.health.tameeni.com, We recommend that you print a copy for future reference.
- Your continued use of "Tameeni" after publishing the modified version of the terms of use means your acceptance of these changes. You are expected to check this page from time to time to be aware of any changes that you are obligated to comply with.
S- Complaints procedure:
We aim to provide a high standard of service to all our customers. Unfortunately, occasionally things do go wrong. When this happens, we make every effort to settle complaints quickly and fairly.
Please connect with us on /Contact Us
*This English version is offered as a reference only. If there were any discrepancies between the Arabic and English versions, kindly refer to the Arabic version as the binding version.
