App Profile: Tawuniya | التعاونية

Abomalik2000

Rating: 5/5

Many software updates but 6.4 wins Show all info hope no glitches on it

loureally

Rating: 1/5

The app is really not user-friendly, and one of the biggest issues is the reimbursement process. Once you submit a request, you can’t see the documents you uploaded. Several times, my claims have been denied with a message saying a certain document is missing—but since I can’t see what I already submitted, I have no idea what’s missing. The chat function is also frustrating. It’s advertised as “chat with expert”, but in reality, it’s just a basic bot with very limited capabilities. There’s no way to get proper support or clarification unless you call in. And when you call in, you have to go through many stages before talking to a real person who will give you different responses each time. Honestly, it feels like the system is designed to be confusing and difficult on purpose, just to discourage people from following through with claims or to avoid paying out whenever possible.

Shylock78

Rating: 1/5

The app is impossible. It’s basically an advertisement and it’s extremely difficult to actually address your claims and/or requests. If you want to speak to an employee, you’ll need to go through half a dozen steps, which take at least 15 minutes. Nearly every claim is refused, and you have to go through several rounds in order to get it approved. If you have a request for approval while you are at the hospital, go home, because approval will NOT be coming anytime soon, so don’t waste your time. If they disapprove your claim “there is no procedure” for them to seek approval themselves and explain to the doctor what they need, you have to talk to the doctor for them. In short, this insurance is part of Saudi Arabia’s past—if you want the future, go elsewhere.