A plaintiff, a Saudi national, filed a claim with the General Secretariat of the Committees, stating that he had purchased a medical insurance policy for himself and his family from the defendant under a health insurance agreement. The policy provided medical coverage from 22 October 2014, to 21 October 2015, in exchange for a premium of 21,407 SAR.

The dispute arose when the plaintiff’s wife, who was in her eighth month of pregnancy, visited a clinic for pregnancy-related tests. The insurance company refused to cover the medical expenses, citing non-disclosure. The insurer claimed that medical records revealed the wife had a history of three previous miscarriages, which had not been disclosed when the policy was purchased. As a result, the defendant cancelled the insurance policy on 11 February 2015, and issued a refund of 14,779 SAR to the plaintiff after deducting the coverage for the prior period.

The plaintiff rejected the insurer's decision and sought a full refund of the premium (21,407 SAR), arguing that the policy was wrongfully cancelled.