Dubai Insurance

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Individual Medical

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  • Individual Medical

EASY PAYMENT PLAN
BUY NOW, PAY LATER!

You can now convert your policy premium into monthly installments with 0% Interest when using your ENBD card

This offer is applicable only for :
  • Emirates NBD cardholders
  • Individual insurance purchased online or in our office
  • Premium above AED 1000
Terms & Conditions Apply

MEPROTECT - DXB

Table of Benefits
Benefits SATURN
AED 7200 incl.vat
 NEPTUNE
AED 5300 incl.vat
 PLUTO
AED 4700 incl.vat
Category Individual Individual Individual
Family of benefits In & Out Patient In & Out Patient In & Out Patient
Annual aggregate Limit (OP+IP) Covered up to AED 250,000 pppy Covered up to AED 150,000 pppy Covered up to AED 150,000 pppy
Scope of Cover To Cover the Reasonable and customary Medical Expenses and costs arising due to accidental injuries and / or illness occurring During the policy period as per DubaiCare Group policy wording, provisions, terms, conditions and exclusions To Cover the Reasonable and customary Medical Expenses and costs arising due to accidental injuries and / or illness occurring During the policy period as per DubaiCare Group policy wording, provisions, terms, conditions and exclusions To Cover the Reasonable and customary Medical Expenses and costs arising due to accidental injuries and / or illness occurring During the policy period as per DubaiCare Group policy wording, provisions, terms, conditions and exclusions
Members covered Eligible Individuals Eligible Individuals Eligible Individuals
Area of coverage (AOC) - (Elective & Emergency) WW Excl. USA, Canada & Caribbean UAE, Arab Countries, Sub-Asia countries, Philippines, Korea & Sri-lanka UAE, Arab Countries, SubAsia countries, Philippines, Korea & Srilanka
Extension of Area of Cover (Only emergency IP) Worldwide Worldwide Worldwide
Network DubaiCare N2 DubaiCare N3 DubaiCare N4
Deductible 20% Subject to Max up to AED 50 on per doctor Visit follow up consultation within 7 days is free for same illness 20% Subject to Max up to AED 50 on per doctor Visit follow up consultation within 7 days is free for same illness 20% Subject to Max up to AED 50 on per doctor Visit follow up consultation within 7 days is free for same illness
WAITING PERIOD CLAUSE If no Certificate of Continuity of Cover (COC) is provided, a waiting period of 6 months applies. Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion period, this must be covered up to the annual aggregate limit. If Certificate of Continuity of Cover (COC) is provided, the waiting period is waived. The above clause is applicable for ALL cases including maternity. If no Certificate of Continuity of Cover (COC) is provided, a waiting period of 6 months applies. Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion period, this must be covered up to the annual aggregate limit. If Certificate of Continuity of Cover (COC) is provided, the waiting period is waived. The above clause is applicable for ALL cases including maternity. If no Certificate of Continuity of Cover (COC) is provided, a waiting period of 6 months applies. Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion period, this must be covered up to the annual aggregate limit. If Certificate of Continuity of Cover (COC) is provided, the waiting period is waived. The above clause is applicable for ALL cases including maternity.
MEDICAL UNDERWRITING CLAUSE Declared Conditions will be priced and substandard premiums shall apply. Undeclared preexisting conditions will not be covered during the policy period and will be underwritten at renewal. The completion of Individual Application Form is required for all Individuals. Declared Conditions will be priced and substandard premiums shall apply. Undeclared preexisting conditions will not be covered during the policy period and will be underwritten at renewal. The completion of Individual Application Form is required for all Individuals. Declared Conditions will be priced and substandard premiums shall apply. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. The completion of Individual Application Form is required for all Individuals.
Pre-existing & chronic conditions & consequences Covered up to Annual Aggregate Limit for all members being renewed, however Individual Application Form is required for all Individuals. Covered up to Annual Aggregate Limit for all members being renewed, however Individual Application Form is required for all Individuals. Covered up to Annual Aggregate Limit for all members being renewed, however Individual Application Form is required for all Individuals.
Hospital Class Private Room Private Room Private Room
Emergency Treatment: Within Network: 100% on direct billingOutside Network, within UAE: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis.Outside UAE, within AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis.Outside AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Within Network: 100% on direct billingOutside Network, within UAE: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis.Outside UAE, within AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis.Outside AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Within Network: 100% on direct billingOutside Network, within UAE: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis.Outside UAE, within AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis.Outside AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis.
Elective Treatment Within Network: 100% on direct billing Outside Network, within UAE: With prior approval: 80% of actual costs subject to a maximum of 80% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: With prior approval: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC– Not covered All costs of services not incurred on direct billing shall be considered on reimbursement basis as above. Within Network: 100% on direct billing Outside Network, within UAE: With prior approval: 80% of actual costs subject to a maximum of 80% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: With prior approval: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC– Not covered All costs of services not incurred on direct billing shall be considered on reimbursement basis as above. Within Network: 100% on direct billing Outside Network, within UAE: With prior approval: 80% of actual costs subject to a maximum of 80% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: With prior approval: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC– Not covered All costs of services not incurred on direct billing shall be considered on reimbursement basis as above.
Out Patient Benefits
General Out-Patient Services Covered* Covered* Covered*
Specialist fees and consultations Covered* Covered* Covered*
Follow up consultations Covered* Covered* Covered*
Second opinion consultation Covered* Covered* Covered*
Outpatient (X-ray and Pathology and Diagnostic tests) Covered* Covered* Covered*
MRI & CT Scans received as an outpatient and preauthorized. Covered* Covered* Covered*
MRI & CT Scans received as an outpatient and preauthorized. Covered* Covered* Covered*
Out-Patient Prescribed Drugs Covered* Covered* Covered*
Outpatient Physiotherapy (which is medically necessary and prescribed by a specialist) Full refund at Network Hospital, if necessary and prescribed by the treating physician. Full refund at Network Hospital, if necessary and prescribed by the treating physician. Full refund at Network Hospital, if necessary and prescribed by the treating physician.
Routine maintenance of chronic illness– For non pre existing illnesses only Covered* Covered* Covered*
Materials, Injections and dressing Covered* Covered* Covered*
Accidental Damage to Natural Teeth following an accident (Only initial treatment is covered. Follow up not covered. No cover for treatment resulting from consumption of food or drink or any foreign bodies contained in such food/drink) Covered for treatment required immediately (within 7 days of accident) following accidental damage to natural teeth by external trauma and when treatment is given by medical practitioner. Covered for treatment required immediately (within 7 days of accident) following accidental damage to natural teeth by external trauma and when treatment is given by medical practitioner. Covered for treatment required immediately (within 7 days of accident) following accidental damage to natural teeth by external trauma and when treatment is given by medical practitioner.
Outpatient Oncology tests and drugs. Covered* Covered* Covered*
Outpatient surgical operations Covered* Covered* Covered*
In Patient Benefits
Hospital accommodation (Room and Board) Covered* Covered* Covered*
Intensive care unit (Room and Board) Covered* Covered* Covered*
IInpatient Physiotherapy (which is medically necessary and prescribed by a specialist) Covered* Covered* Covered*
IInpatient Physiotherapy (which is medically necessary and prescribed by a specialist) Covered* Covered* Covered*
Emergency ward services Covered* Covered* Covered*
Organ Transplant cost - Kidney, Heart & Liver Covered* Covered* Covered*
MRI & CT Scans received as an inpatient and preauthorized. Covered* Covered* Covered*
X rays, Pathology and diagnostic tests Covered* Covered* Covered*
Oncology test, Drugs and consultant's fee (including cover for chemotherapy and radiotherapy) Covered* Covered* Covered*
Surgical fees, including anesthesia & theatre charges Covered* Covered* Covered*
Physician, surgeon, & anesthetist fees Covered* Covered* Covered*
Prescribed Medicines and Drugs. Covered* Covered* Covered*
Emergency road ambulance services to and from hospital by registered ambulance services provider Covered* Covered* Covered*
Organ Transplant cost (cost of surgical procedures in performing an organ transplant of either: Kidney, Heart & Liver in respect of the insured person as recipient and not the organ donor) Covered* Covered* Covered*
Surgical appliances and prostheses` Covered* Covered* Covered*
Parent accommodation (Hospital accommodation cost in respect of a parent or legal guardian staying with an insured person who is under 18 years of age and is admitted to a hospital). Covered up to AED 200 / day Covered up to AED 200 / day Covered up to AED 200 / day
The cost of accommodation of a person accompanying an in-patient in the same room in cases of medical necessity at the recommendation of the treating doctor and after the prior approval of the insurance company providing coverage Covered up to AED 200 / day Covered up to AED 200 / day Covered up to AED 200 / day
Cash Indemnity for Inpatient Treatment AED 200/- up to 180 days for all inpatient hospitalization that are not submitted to the insurance company. AED 200/- up to 180 days for all inpatient hospitalization that are not submitted to the insurance company. AED 200/- up to 180 days for all inpatient hospitalization that are not submitted to the insurance company.
Maternity: (Normal vaginal delivery, Medically necessary abdominal delivery (Caesarian section), Dilatation & Curettage (D&C) for miscarriage/legal abortion, all complication of delivery/maternity cases) Note: Where any condition develops which becomes life threatening to either the mother or the new born, the medically necessary expenses will be covered up to the policy Limit Nil waiting period Ongoing cases covered Elective Caesarian – not covered Out Patient ante-natal services -10% Co-insurance payable by the insured In-patient Maternity Services -10% Co-insurance payable by the insured -Maximum of AED 7,000 per normal delivery, AED 10,000 for medically necessary CSection, Complication and for medically necessary termination Out Patient ante-natal services -10% Co-insurance payable by the insured In-patient Maternity Services -10% Co-insurance payable by the insured -Maximum of AED 7,000 per normal delivery, AED 10,000 for medically necessary CSection, Complication and for medically necessary termination Out Patient ante-natal services -10% Co-insurance payable by the insured In-patient Maternity Services -10% Co-insurance payable by the insured -Maximum of AED 7,000 per normal delivery, AED 10,000 for medically necessary CSection, Complication and for medically necessary termination
New Born cover Cover for 30 Days from birth BCG , Hepatitis B and NeoNatal Screening test (Phenylketonuria ,Congenital Hypothyroidism ,sickle cell screening, Congenital adrenal hyperplasia) Cover for 30 Days from birth BCG , Hepatitis B and NeoNatal Screening test (Phenylketonuria ,Congenital Hypothyroidism ,sickle cell screening, Congenital adrenal hyperplasia) Cover for 30 Days from birth BCG , Hepatitis B and NeoNatal Screening test (Phenylketonuria ,Congenital Hypothyroidism ,sickle cell screening, Congenital adrenal hyperplasia)
Dental Not Covered Not Covered Not Covered
Optical Not Covered Not Covered Not Covered
Repatriation of Mortal Remains from UAE to Home Country Covered up to AED 10,000 per person Covered up to AED 10,000 per person Covered up to AED 10,000 per person
Work Related Injuries /illnesses – For Employees Only Covered over and above workmen’s compensation* Covered over and above workmen’s compensation* Covered over and above workmen’s compensation*
Home nursing Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory* Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory* Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory*
Home nursing Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory* Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory* Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory*
Alternative Medicine - Only chiropractic, Ayurveda, homeopathy & osteopathy Covered up to AED 1,600 per person per annum* Covered up to AED 1,600 per person per annum* Covered up to AED 1,600 per person per annum*
Vaccinations (Covered on reimbursed basis) Essential vaccinations and inoculations for newborns and children as stipulated in the DHA’s policies and its updates in the assigned facilities (currently the same as Federal MOH) Essential vaccinations and inoculations for newborns and children as stipulated in the DHA’s policies and its updates in the assigned facilities (currently the same as Federal MOH) Essential vaccinations and inoculations for newborns and children as stipulated in the DHA’s policies and its updates in the assigned facilities (currently the same as Federal MOH)
Preventive Services Covered Initial Diabetic Screening. Frequency Restricted to : -Every 3 yrs from age 30 -High risk individual annually from age 18 Covered Initial Diabetic Screening. Frequency Restricted to : -Every 3 yrs from age 30 -High risk individual annually from age 18 Covered Initial Diabetic Screening. Frequency Restricted to : -Every 3 yrs from age 30 -High risk individual annually from age 18
Hepatitis C Virus Screening and treatment To be followed as per the guidelines laid out in the Hepatitis C support program To be followed as per the guidelines laid out in the Hepatitis C support program To be followed as per the guidelines laid out in the Hepatitis C support program
Cancer Screening and treatment To be followed as per the guidelines laid out in the Cancer support program To be followed as per the guidelines laid out in the Cancer support program To be followed as per the guidelines laid out in the Cancer support program
Adult Pneumococcal Conjugate Vaccine As per DHA Adult Pneumococcal Vaccination guidelines As per DHA Adult Pneumococcal Vaccination guidelines As per DHA Adult Pneumococcal Vaccination guidelines
International Assistance Cover (Covered while traveling outside of UAE and outside of Home countries) 1- Emergency Medical Evacuation-Covered up to USD 1,000,000, 2- Emergency medical repatriation - Covered up to USD 10,000, 3- Repatriation of Mortal remain - Covered up to USD 10,000 1- Emergency Medical Evacuation-Covered up to USD 1,000,000, 2- Emergency medical repatriation - Covered up to USD 10,000, 3- Repatriation of Mortal remain - Covered up to USD 10,000 1- Emergency Medical Evacuation-Covered up to USD 1,000,000, 2- Emergency medical repatriation - Covered up to USD 10,000, 3- Repatriation of Mortal remain - Covered up to USD 10,000
Trudoc 24/7, Mobile Doctor 24/7, Mobile Doctor 24/7, Mobile Doctor
EXCLUSIONS Standard DHA Exclusions Standard DHA Exclusions Standard DHA Exclusions
Premium Calculation
Age 00-60 6889.00 5028.00 4488.00
Basmah & HCV Charges 37.00 37.00 37.00
VAT 5% 345.10 252.05 225.05
GRAND TOTAL 17271.10 5317.05 4759.05

MEPROTECT - AbuDhabi / Al-Ain

Table of Benefits
Benefits RUBY EMERALD SAPPHIRE
Category Individual Individual Individual
Family of benefits In & Out Patient In & Out Patient In & Out Patient
The annual upper limit for Healthcare Services Covered up to AED 250,000 pppy Covered up to AED 250,000 pppy Covered up to AED 250,000 pppy
Area of coverage (AOC) - (Elective & Emergency) WW Excl. USA, Canada & Caribbean UAE, Arab Countries, Sub-Asia countries, Philippines, Korea & Sri-lanka UAE, Arab Countries, Sub-Asia countries, Philippines, Korea & Sri-lanka
Extension of Area of Cover (Only emergency IP) Worldwide Worldwide Worldwide
Network DubaiCare N2 DubaiCare N3 DubaiCare N4
WAITING PERIOD CLAUSE If no Certificate of Continuity of Cover (COC) is provided, a waiting period of 6 months applies. Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion period, this must be covered up to the annual aggregate limit. If Certificate of Continuity of Cover (COC) is provided, the waiting period is waived. The above clause is applicable for ALL cases including maternity. If no Certificate of Continuity of Cover (COC) is provided, a waiting period of 6 months applies. Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion period, this must be covered up to the annual aggregate limit. If Certificate of Continuity of Cover (COC) is provided, the waiting period is waived. The above clause is applicable for ALL cases including maternity. If no Certificate of Continuity of Cover (COC) is provided, a waiting period of 6 months applies. Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion period, this must be covered up to the annual aggregate limit. If Certificate of Continuity of Cover (COC) is provided, the waiting period is waived. The above clause is applicable for ALL cases including maternity.
MEDICAL UNDERWRITING CLAUSE Declared Conditions will be priced and substandard premiums shall apply. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. The completion of Individual Application Form is required for all Individuals. Declared Conditions will be priced and substandard premiums shall apply. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. The completion of Individual Application Form is required for all Individuals. Declared Conditions will be priced and substandard premiums shall apply. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. The completion of Individual Application Form is required for all Individuals.
Pre-existing & chronic illness Covered up to annual limit Covered up to annual limit Covered up to annual limit
Health Insurance Services offered inside the Emirate of Abu Dhabi. Inpatient/Outpatient/Emergency Inpatient/Outpatient/Emergency Inpatient/Outpatient/Emergency
Health Insurance Services offered in other Emirates Inpatient/Outpatient/Emergency Inpatient/Outpatient/Emergency Inpatient/Outpatient/Emergency
Middle East Inpatient/Outpatient/Emergency Inpatient/Outpatient/Emergency Inpatient/Outpatient/Emergency
International Excl. USA, Canada & Caribbean Inpatient/Outpatient/Emergency Emergency Emergency
Worldwide Emergency Emergency Emergency
Claims settlement basis
Emergency Treatment: Within Network: 100% on direct billing Outside Network, within UAE: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Within Network: 100% on direct billing Outside Network, within UAE: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Within Network: 100% on direct billing Outside Network, within UAE: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis.
Elective Treatment Within Network: 100% on direct billing Outside Network, within UAE: With prior approval: 80% of actual costs subject to a maximum of 80% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: With prior approval: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC– Not covered All costs of services not incurred on direct billing shall be considered on reimbursement basis as above. Within Network: 100% on direct billing Outside Network, within UAE: With prior approval: 80% of actual costs subject to a maximum of 80% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: With prior approval: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC– Not covered All costs of services not incurred on direct billing shall be considered on reimbursement basis as above. Within Network: 100% on direct billing Outside Network, within UAE: With prior approval: 80% of actual costs subject to a maximum of 80% of applicable UAE Network tariff on reimbursement basis. Outside UAE, within AOC: With prior approval: 100% of actual costs subject to a maximum of 100% of applicable UAE Network tariff on reimbursement basis. Outside AOC– Not covered All costs of services not incurred on direct billing shall be considered on reimbursement basis as above.
Inpatient Benefits
In-patient Healthcare Services, subject to prior approval. Private Room Private Room Private Room
Tests, diagnosis, treatments and surgeries in hospitals for non-urgent medical cases, subject to prior approval. Covered Covered Covered
Healthcare services for emergency cases Covered Covered Covered
Transportation services for medical emergencies inside the Emirate of Abu Dhabi by an authorized party. Covered Covered Covered
Accommodation for a person accompanying an insured child up to 10 years of age. AED 200 per day AED 200 per day AED 200 per day
Accommodation of an accompanying person in the same room in cases of critical conditions and as per recommendation of attending physician, subject to prior approval. AED 200 per day AED 200 per day AED 200 per day
Cash Indemnity for Inpatient Treatment AED 200/- up to 180 days for all inpatient hospitalization that are not submitted to the insurance company. AED 200/- up to 180 days for all inpatient hospitalization that are not submitted to the insurance company. AED 200/- up to 180 days for all inpatient hospitalization that are not submitted to the insurance company.
In-patient maternity services, subject to insurance prior approval. Covered in full inside the Emirate of Abu Dhabi - No copayment Covered in full inside the Emirate of Abu Dhabi - No copayment Covered in full inside the Emirate of Abu Dhabi - No copayment
Healthcare services for illness and injuries as per Federal Law No. 8 of 1980 concerning the Regulation of Work Relations, as amended and applicable laws in this respect. Covered Covered Covered
Various therapy - Including Chemotherapy and radiation therapy etc. Covered Covered Covered
Recipient transplantation Covered Covered Covered
Ambulance Services Covered Covered Covered
Outpatient Benefits
Examination, diagnostic and treatment services of clinics and health centers by general practitioners, and specialists provided that the Insured Person is referred to a specialist and/or consultant by a general practitioner. Follow ups are exempted from fees if made within a week from the date of first examination. AED 50/- on consultation only, follow up consultation within 7 days is free for same illness AED 50/- on consultation only, follow up consultation within 7 days is free for same illness AED 50/- on consultation only, follow up consultation within 7 days is free for same illness
Laboratory tests services Covered Covered Covered
X-ray diagnostic services. In cases of non-medical emergencies, the insurance company’s prior approval is required for MRI, CT scans and endoscopies. Covered Covered Covered
Physiotherapy treatment services, subject to insurance company prior approval. Covered Covered Covered
Cost of medicine, subject to insurance company’s prior approval for prescriptions which exceed AED 500. Covered Covered Covered
Examination, diagnostic and treatment services for pregnancy and gynecology services in authorized health centers and clinics by general practitioners and specialists, provided that the Insured Person is referred to a specialist and/or consultant by a GP Covered with Deductible of AED 50/- per visit Covered with Deductible of AED 50/- per visit Covered with Deductible of AED 50/- per visit
Healthcare services for illness and injuries as per Federal Law No. 8 of 1980 concerning the Regulation of Work Relations, as amended and applicable laws in this respect. Covered with Deductible of AED 50/- per visit Covered with Deductible of AED 50/- per visit Covered with Deductible of AED 50/- per visit
Surgical Procedure on an out-patient basis Covered Covered Covered
Other benefits
Diagnostic and treatment services for dental and gum treatments. Covered in full for medical emergency cases Covered in full for medical emergency cases Covered in full for medical emergency cases
Hearing and vision aids, and vision correction by surgeries and laser. Covered in full for medical emergency cases Covered in full for medical emergency cases Covered in full for medical emergency cases
Maternity/Obstetrical [Private Room] Inside the Emirate of Abu Dhabi: Covered in full inside the Emirate of Abu Dhabi - Co-insurance - Nil, Outside the Emirate of Abu Dhabi covered up to AED 10,000/- (including complications) Inside the Emirate of Abu Dhabi: Covered in full inside the Emirate of Abu Dhabi - Co-insurance - Nil, Outside the Emirate of Abu Dhabi covered up to AED 10,000/- (including complications) Inside the Emirate of Abu Dhabi: Covered in full inside the Emirate of Abu Dhabi - Co-insurance - Nil, Outside the Emirate of Abu Dhabi covered up to AED 10,000/- (including complications)
Dental Not Covered Not Covered Not Covered
Optical Not Covered Not Covered Not Covered
Repatriation of Mortal Remains from UAE to Home Country Covered up to AED 10,000 per person Covered up to AED 10,000 per person Covered up to AED 10,000 per person
Home nursing Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory* Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory* Covered up to AED 10,000 and maximum of up to 8 weeks following discharge from hospital, if medically necessary and if recommended by treating medical practitioner as mandatory*
Vaccination for children (0-6 years) as per HAAD compulsory vaccination guidelines – On Reimbursement basis Covered Covered Covered
ALTERNATIVE MEDICINE Only chiropractic, Ayurveda, homeopathy & osteopathy Covered up to AED 1,600 per person per annum* Covered up to AED 1,600 per person per annum* Covered up to AED 1,600 per person per annum*
Trudoc 24/7, Mobile Doctor 24/7, Mobile Doctor 24/7, Mobile Doctor
International Assistance Cover (Covered while traveling outside of UAE and outside of Home countries) 1- Emergency Medical Evacuation-Covered up to USD 1,000,000, 2- Emergency medical repatriation - Covered up to USD 10,000, 3- Repatriation of Mortal remain - Covered up to USD 10,000 1- Emergency Medical Evacuation-Covered up to USD 1,000,000, 2- Emergency medical repatriation - Covered up to USD 10,000, 3- Repatriation of Mortal remain - Covered up to USD 10,000 1- Emergency Medical Evacuation-Covered up to USD 1,000,000, 2- Emergency medical repatriation - Covered up to USD 10,000, 3- Repatriation of Mortal remain - Covered up to USD 10,000
Premium Calculation
Age 18-40 (Employee) 7115.00 5313.00 4745.00
Age 41-59 (Employee) 7115.00 5313.00 4745.00
Age 60 (Employee) 7115.00 5825.00 5825.00
Age 00-17 (Dependent) 7115.00 5313.00 4745.00
Age 18-40 (Dependent) 7115.00 5313.00 4745.00
Age 41-59 (Dependent) 7115.00 5313.00 4776.00
Age 60 (Dependent) 10775.00 10775.00 10775.00
VAT 5% 5% Vat Apply on Gross Premium 5% Vat Apply on Gross Premium 5% Vat Apply on Gross Premium

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