Mr. Ahmad bought a health insurance from Saudi Arabia. His insurance covers medical bills incurred in Saudi Arabia. He was travelling in Kuwait when he contracted Covid-19, incurring medical bills of 28,000 KWD. He made a claim to his insurance company and he argued that the insurance company has branches in Kuwait and, therefore, his health insurer should pay his Kuwaiti hospital bills. Required: Determine whether he can claim the Kuwaiti hospital expenses under his insurance policy? And justify your answer with reasonable justifications?