Himayati

Let us settle your Credit Card balance should unforeseen circumstances occur.

Cover Your Balance

Whenever you are unable to pay your Credit Card bill, our Himayati and Himayati Plus programs protect you and your family in the case of unfortunate circumstances.

Settle your Credit Card balance up to SAR 225,000 (according to the insurance policy)
Provide your family with money equal to your Credit Card balance in case of accidental death, God forbid
Give yourself peace of mind knowing we will take care of your balance

Enjoy Peace of Mind

Himayati
You will benefit from:

Credit Card Balance Coverage up to SAR 225,000 plus a cash payment to your family equal to your credit card outstanding balance ( in the case of accidental death only)
Coverage of all Supplementary Credit Cards' Balance under the primary Credit Card registered to the program
All for a monthly fee of only 0.39% of your credit card outstanding balance

Himayati Plus

For a monthly fee of only 0.49% of the outstanding balance, enjoy all the benefits of Himayati plus:

Credit Card Balance Coverage up to SAR 225,000in case of accidental death and permanent total or partial disabilities

Cash payment to the family equal to the credit card outstanding balance (in the case of accidental death only)

Coverage of all Supplementary Credit Cards' Balance under the primary Credit Card registered to the program

Frequently Asked Questions

What are the features, benefits and rewards of Himayati?

1.Himayati: waiver of the credit card outstanding balance up to a maximum limit of SR 225,000 in case of accidental death only for a fee equal to 0.39% ( only SR 3.90 for every SR 1,000) of the credit card's monthly outstanding balance , which appears in the card's monthly statement.

2.Himayati Plus: waiver of the credit card outstanding balance up to a maximum limit of SR 225,000 in the cases of accidental death and permanent total & partial disabilities for a fee equal to only 0.49% ( only SR 4.90 for every SR 1,000) of the credit card's monthly outstanding balance, which appears in the card's monthly statement.

3.Cash money given to the family of the insured customer equal to the card's outstanding balance in case of accidental death only.

4.The sum of all supplementary cards' balance under the registered primary card is covered by the program
What does ‘permanent disability’ mean?

Permanent disability means any disability or illness resulting from an accident, which eventually prohibits the insured customer from practicing his/her work and continue his/her job successfully. The insured customer is financially compensated for his/her disability. The compensation is paid consecutively for at least 6 months.
What are the different death cases covered by Himayati?

All conditions of natural or accidental deaths are covered by Himayati unless the death resulted from war in Iraq, Afghanistan, Palestine or any war declared zones. Moreover, suicidal death or death caused by participation in Naval, Military or Air force or resulted from chemical substances of radiation or sexual diseases like HIV and Aids or any disease a customer suffers from before joining the program are not covered by program.
What is the age range for Himayati applicants?

Applicants aged from 20 to 65 can request the program in case of accidental death or permanent total & partial disability. However, applicants over 65 years can only benefit from the program in case of accidental death.
How can I apply for Himayati?

If you are a new credit card customer, you can apply by checking the Himayati Program field in the Credit Card request application or by calling NCB IVR.

If you are a current credit card customer, you can apply by calling NCB IVR on +966-92000-1000.
How much is Himayati fee?

Himayati: only 0.39% of the credit card total outstanding balance, which is equivalent to only 3.90 SR per 1000 SR.

Himayati Plus: only 0.49% of the credit card total outstanding balance, which is equivalent to only 4.90 SR per 1000 SR.
If I did not use my credit card for a month, will I still be charged with Himayati Fees?

No. since Himayati fee is directly calculated as 0.39% for Himayati or 0.49% for Himayati plus of the total month outstanding balance printed on the monthly statements, which will be in your case equal to zero in the month where you did not use it. Accordingly, Himayati fee will be equal to zero, meaning you’ll pay no fees in the stated month.
How is Himayati fee calculated?

If your credit card is registered to Himayati, your program monthly fee is directly calculated as 0.39% of your card's monthly outstanding balance that is shown in your card monthly statement. The same applies if your credit card is registered to Himayati Plus. However, the fee rate is 0.49% of the monthly declared outstanding balance.
Is Himayati applicable for all NCB credit cards?

Yes. Himayati program is applicable for all NCB cards, Islamic & Conventional except internet and prepaid cards.
What is MEDGULF insurance company?

MEDGULF is an insurance and cooperative reinsurance company that was founded in Lebanon in 1980. Over 26 years, MEDGULF has grown, winning its Saudi clients’ trust as a result of the competitive services it provides in the field of insurance and reinsurance. Consequently, MEDGULF has become the largest insurance company in Saudi Arabia in terms of capital.

For more information, visit http://www.medgulf.com/group.aspx

Applying is Easy

If you are applying for a new credit card and you want to add Himayati to it at the same time, you'll find a special section on the card application for Himayati program. you can apply by simply checking the box for the Himayati program you want (Himayati or Himayati Plus)

If you want to add Himayati to your existing NCB credit card, please follow these guide:

Call +966-92000-1000 and ask for the agent to apply to the program

An agent will verify your following information:

Name

Credit Card Number

Year of birth

Expiry month of the credit card

Phone number

First 4 digit of your ID

    3.   If verified, your card will be registered to the program within 24 hours
    4.   Fees of the service will be deducted from your credit card account on
          monthly bases, which will be reflected in your monthly card statement

Criteria
The Himayati Programme is open to NCB Cardholders , who fulfill the following points:

A current NCB Primary Credit Cardholder (the programme is available with all NCB Credit Cards, including Falcon, Qitaf and AlFursan)
Have an active Credit Card
Is between 20-69 years old
Is employed (or self-employed or have any other income source)

For Himayati Terms & Conditions Click Here

Claim Procedure

To claim death cases:

Report the incident immediatly by calling +966-92000-1000
Prepare the following documents:

Statement of account at the date of death
Death certificate
Cause of death (Hospital Report)
Police report in case of accidental death
Copy of passport, Iqama, or Saudi National ID card
Inheretance eligibility deed in case of accidental death only

To claim disability cases (permenant total or partial):

Report the incident immediatly by calling +966-92000-1000
Prepare the following documents:

Statement of account as at the end of the waiting period
Medical evidance attesting the state of the insure
Copy of passport, Iqama, or Saudi National ID card

During the waiting period, the insurance company has the right to:

Demand a satisfying proof that the reported disability is still continuous
Require the insured person to be re-examined by a medical examiner the company chooses

Yes

Himayati

Let us settle your Credit Card balance should unforeseen circumstances occur.

Himayati Plus

Frequently Asked Questions

CriteriaThe Himayati Programme is open to NCB Cardholders , who fulfill the following points:

Criteria
The Himayati Programme is open to NCB Cardholders , who fulfill the following points: