Treating Anorectal Diseases via Medical Insurance

• ✍️ Prepared by: Hemocure Medical Team

• Reviewed & Audited by: Dr. Mohamed Magdy El-Najgar

Hemocure is contracted with the largest medical insurance companies in Egypt.

If you have insurance coverage through your company, syndicate, or private policy, your procedure may be fully or substantially covered.

Why Do Many Delay Treating Anorectal Diseases?

Anorectal diseases — including hemorrhoids (piles), anal fistulas, pilonidal sinus (sacrococcygeal cyst), and anal fissures — are among the most widespread conditions in Egypt and the Arab world, affecting one in four adults at some point in their lives. Nevertheless, many patients delay seeking treatment for two primary reasons:

1. Social Stigma: Feeling embarrassed to talk about these conditions or undergo an examination.

2. Treatment Costs: Fear of the financial expenses associated with specialized surgical interventions.

What many do not realize is that their health insurance — whether provided by their employer, professional syndicate, or a commercial insurance provider — can completely cover the costs of diagnosis and surgical procedures at specialized Hemocure centers.

At Hemocure, you don’t have to choose between quality healthcare and your budget: Medical insurance covers major surgical interventions across most of our contracted insurance providers.

Hemocure — The Egyptian Benchmark in Laser Colorectal Surgery

Hemocure Centers were established in 2014 by Dr. Mohamed Magdy El-Najgar, who pioneered the introduction of laser technology to proctology and colorectal surgery in Egypt in cooperation with the German company Biolitec. Since 2019, Hemocure has become an international reference hub in this specialty.

Dr. Mohamed Magdy El-Najgar serves as the Chairman of the Training Board at the International Society of Pelviperineology (ISOLP). He has conducted more than 82 international workshops to train surgeons worldwide on advanced laser techniques. He was awarded the State Incentive Prize in 2018 and was the first surgeon in Egypt to implement the VAAFT technique for treating complex anal fistulas.

Hemocure’s Figures and Milestones:

• 2014: Pioneered the first use of medical lasers in colorectal surgery in Egypt.

• +30 Branches: Spreading across Egypt and the Arab world.

• 96% Success Rate: Achieved by the SiLaC technique according to a 2020 international study.

• +82 International Workshops: Conducted for training surgeons globally.

Anorectal Diseases Treated at Hemocure

Hemocure specializes in the full spectrum of anorectal and colorectal disorders, offering each patient a personalized, precise treatment protocol based on advanced diagnostic technologies:

• Hemorrhoids (Piles): Internal and external (Grades I to IV).

• Anal Fistula: Simple, complex, and horseshoe fistulas.

• Pilonidal Sinus (Pilonidal Cyst): Treated via the unique SiLaC technique.

• Anal Fissure: Acute and chronic conditions.

• Anal Abscess.

• Early Detection: Screening for colorectal and rectal tumors/cancer.

Available Technologies at Hemocure and Their Success Rates

What sets Hemocure apart is not only the exceptional expertise of its surgeons but also the integrated ecosystem of modern medical technologies. These advanced modalities make surgical interventions highly accurate, significantly less painful, and remarkably fast in recovery — which also translates to minimal sick leave and a swift return to daily life.

Al-Rahma Katameya Hospital — The Specialized Surgical Facility

Hemocure owns and operates a fully dedicated surgical hospital specialized entirely in anorectal disorders: Al-Rahma Katameya Hospital — the premier facility of its kind in Egypt dedicated exclusively to this precise medical field.

• Operating theaters equipped with the latest surgical laser and endoscopic systems.

• Specialized Saddle Block anesthesia technique to ensure maximum patient safety and comfort.

• Dedicated nursing and anesthesia teams trained exclusively in colorectal surgical procedures.

• Direct in-hospital processing of approved medical insurance cards to streamline patient administrative procedures.

• Surgeries are performed as day-cases, allowing patients to be discharged on the very same day in most cases.

How to Utilize Your Medical Insurance at Hemocure

• Step 1: Check Your Coverage 

  Contact your company's Human Resources (HR) department or call your insurance company directly to verify your network coverage limits and financial caps designated for proctology surgeries.

• Step 2: Book a Diagnostic Consultation 

  Visit your nearest Hemocure branch with your physical or digital medical insurance card. The consultant surgeon will perform an accurate evaluation using the Proctostation system to determine the precise diagnosis and the required medical procedure.

• Step 3: Prior Authorization Approval 

  Our specialized administrative medical insurance team will handle submitting the prior authorization request to your insurance company, attached with the detailed medical report and medical procedure codes. Approvals are typically secured on the same or following day.

• Step 4: Undergo Surgery Under Insurance Coverage 

  Once approval is issued, your procedure date is scheduled at Al-Rahma Katameya Hospital. Financial settlement is completed directly between the hospital and your insurance provider; you will only be responsible for your personal co-payment percentage (if applicable under your policy terms).

Our Contracted Medical Insurance Network

Hemocure’s medical network covers an extensive lineup of medical insurance companies, Third-Party Administrators (TPAs), professional syndicates, and corporate sectors in Egypt:

 Third-Party Administrators (TPAs)

• Medright

• Medmark

• Smart

• Nextcare

• Mednet

• Care Plus

• Unicare

• Egy Care

• UniMed

• MEDSURE

• Misr Health Care Network (Misr HCN)

• Mylocare

• Seha One

• EMC (San Misr)

• Diamond Medical Service

• Majesty for Medical Care

• Medical Card

• Alpha Care Medical Services

• Ahly Medical Services

• Life Health Care (Life HC)

• Sehaty Smart

• DMS

• Omega Care

• Mersal Foundation

• Al-Majd

• Royal

• Thiqah

• Enaya Egypt

Commercial & International Insurance Companies

• Allianz

• AXA

• MetLife / Alico

• Misr Insurance

• Wadi El Neel

• Mashrq

• Future

• El-Wastani (WASCO)

Petroleum, Energy, & Industrial Sectors

• Petrosennan

• EGAS (Egyptian Natural Gas Holding Company)

• SUEZ OIL (Suco)

• MOBCO

• Jascol

• Gastec

• Petrojet

• Exxon Mobil

• Petrosilah

• General Petroleum Company (GPC)

• Cairo Oil Refining Company

• SIYANCO

• SIAC Construction

Banks, Institutions, & Real Estate

• Central Bank of Egypt (CBE)

• Marakez for Urban Development

• EGOTH (The Egyptian General Company for Tourism and Hotels)

• Al-Baqiyat Al-Salehat Foundation

Professional Syndicates

• Commercial Professions Syndicate (AMSI)

• Medical Professions Syndicate

• Engineers Syndicate

• Journalists Syndicate

• Lawyers Syndicate

Frequently Asked Questions (FAQ)

Does health insurance cover medical laser operations?

Yes, under most corporate and group medical insurance policies. Advanced laser procedures utilized at Hemocure (such as LHP, FiLaC, SiLaC, and VAAFT) are categorized under major surgical codes. Due to their international medical accreditation, insurance policies cover them just like conventional surgeries.

Are diagnostics and check-ups covered as well?

Under most medical policies, outpatient consultations and diagnostics are covered under the Outpatient Department (OPD) benefit. The advanced Proctostation examination falls within this scope and is eligible for coverage.

What if my insurance company is not listed?

Our network panel is continuously expanding. We highly recommend reaching out directly to our dedicated customer service via our hotline 15251 or via WhatsApp at 01142002899 to verify if your company has been recently added, or to learn how to utilize our reimbursement system.

What is the difference between Direct Billing and Reimbursement?

• Direct Billing: You only pay your personal co-insurance percentage stated on your insurance card at our facility, and we handle the remaining balance with your provider.

• Reimbursement: You pay the total cost of the service upfront. We then hand you a complete, stamped medical file alongside audited invoices so you can submit them to your provider and claim your refund later. Hemocure fully supports both tracks.

No Obstacles — Flexible Installment Plans Available at Hemocure

If you do not have complete medical insurance coverage, or if your condition requires a specific plan that is not fully integrated into your current policy package, Hemocure provides flexible financial solutions that enable you to undergo immediate medical treatment without financial constraints.

We accept direct payment and flexible interest-free/low-interest installments through Egypt’s premier consumer finance platforms, including:

• Aman

• ValU

• Sahola

• In addition to credit card installment options through multiple commercial Egyptian banks (kindly consult the administrative desk at our branches to select the most suitable option for your financial plan).

Content Production: Hemocure Medical Team.

Scientific Review: Dr. Mohamed Magdy El-Najgar — The pioneer of laser proctology and colorectal surgery in Egypt (2014) | Chairman of the Training Board at the International Society of Pelviperineology (ISOLP) | State Incentive Prize Winner 2018.