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Compare Plans
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Sl. No
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Premier
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Global
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International
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Regional
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UAE
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UAE Optima
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Abu Dhabi
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(1)
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Annual Limit
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5,000,000
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5,000,000
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2,500,000
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500,000 / 1,000,000
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250,000 / 500,000
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250,000 /
300,000
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250,000
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Geographical Cover
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Worldwide
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Worldwide
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Worldwide excluding USA, Canada
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Worldwide excluding USA, Canada & Europe
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UAE
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UAE
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Abu Dhabi
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Worldwide coverage for medical emergencies
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P
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P
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P
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P
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UAE, South East Asia, Arab Countries, Indian Subcontinent, selected countries from East Europe, Africa & South America
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NA
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UAE
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(2)
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Pre-existing Conditions
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P
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P
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P
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P
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P
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Covered with a 6 months (180 days) waiting period. No waiting period if pre-requisition of uninterrupted (pre-) coverage is fulfilled
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Covered with a 6 months (180 days)waiting period.
The waiting period applies to Inpatient treatment only.[See Note below]
No waiting period if pre-requisition of uninterrupted (pre-) coverage with governmental health card is fulfilled
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(3)
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Network
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1
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1
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1
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1
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2
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5
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3
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(4)
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Inpatient accommodation type
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Standard Suite
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Standard Suite
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Deluxe
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First Class
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Shared room
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General Room (+2 beds)
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General Ward
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Accommodation for Parent accompanying child (For age limit of child, refer to SOB)
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5,000
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500
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300
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150
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100
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100
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100
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Companion Accommodation for Critical Illness
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500
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500
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300
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150
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100
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100
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100
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(5a,b)
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Physician Consultation
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P
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P
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P
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P
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P
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P
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P
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(6)
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Diagnostics & Laboratory
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P
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P
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P
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P
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P
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P
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P
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(7)
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Pharmaceuticals
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100%
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100%
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100%
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100%
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80%
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80%
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70%
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(8)
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Physiotherapy
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P
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P
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P
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P
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P
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P
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P
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(9)
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Maternity
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P
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P
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P
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P
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P
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P
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P
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(10)
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Dental
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15,000
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5,000 (optional)
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3,500 (optional)
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3,500 (optional)
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2,500 (optional)
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O
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O
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Second Opinion service
Europ Assistance GCS
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P
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P
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P
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P
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P
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O
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O
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Global emergency assistance service by Assist America
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P
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P
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P
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P
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O
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O
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O
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Other Benefits
(medical appliances and equipment, psychiatric treatment, medical checkup, dietician, alternative medicine, chiropractic, vaccinations, contraceptives and birth control ... etc)
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P
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O
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O
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O
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O
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O
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O
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Repatriation of Mortal Remains
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12,500
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12,500
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10,000
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10,000
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7,500
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5,000
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O
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[Note] Applicable to the following medical conditions: Diabetes mellitus, Arterial diseases, COPD (Chronic Obstructive Pulmonary Disease), All cancers cases, Neurosurgery, Cerebro Vascular diseases, All delivery cases (Maternity).
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1
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Annual limit for the UAE and Regional Plans is lower for individual & small groups than the coverage limit for standard groups, the variation is half.
Annual limit for UAE Optima is AED 250,000 per person for small groups and AED 300,000 per person for standard groups.
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Top
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2
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Coverage for individual and small groups shall be subject to declarations of known medical conditions at enrollment
Coverage for standard groups shall commence on member enrollment/policy
For small groups in UAE Optima, pre-existing conditions will be fully covered, subject to individual underwriting
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Top
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3
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Network1 for the regional plan excludes SKMC, Tawam Hospital - Abu Dhabi and American Hospital - Dubai
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Top
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4
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Inpatient
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Premier Plan:
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100% coverage for inpatient services in private room within and outside network
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Global Plan:
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100% coverage for inpatient services in private room within network, and 80% coverage outside network
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International Plan:
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100%coverage for inpatient services in private room within network, and 80% coverage outside network
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Regional Plan:
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100% coverage for inpatient services in private room within network, and 80% coverage outside network
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UAE Plan:
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100% coverage for inpatient services in shared room within network, 0% coverage outside network unless it is an emergency
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UAE Optima Plan:
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100% coverage for inpatient services in general room within network, and 50% coverage outside network
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Abu Dhabi Plan:
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100% coverage for inpatient services in general ward within network , 0% coverage outside network unless it is an emergency
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Top
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5.a
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Outpatient
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Premier Plan:
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100% coverage for physician consultation within and outside network
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Global Plan:
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100% coverage for physician consultation within network, and 80% coverage for physician consultation outside network
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International Plan:
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100% coverage for physician consultation within network, and 80% coverage for physician consultation outside network
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Regional Plan:
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100% coverage for physician consultation within network, and 80% coverage for physician consultation outside network
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UAE Plan:
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100% coverage for physician consultation within network, 0% coverage for physician consultation outside network
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UAE Optima Plan:
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100% coverage for physician consultation within network, and 50% coverage for physician consultation outside network
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Abu Dhabi Plan:
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100% coverage for physician consultation within network, 0% coverage for physician consultation outside network
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Top
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5.b
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Deductible
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Premier Plan:
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Deductible of AED Nil
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Global Plan:
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Deductible of AED Nil/50 options offered to both small and large groups
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International Plan:
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Deductible of AED Nil/50 options offered to both small and large groups
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Regional Plan:
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Deductible of AED Nil/30/50 options offered to large groups and Deductible of AED 30/50 offered to small groups
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UAE Plan:
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Deductible of AED Nil/30/50 options offered to large groups and Deductible of AED 30/50 offered to small groups
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UAE Optima Plan:
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Deductible of AED 25/50 options offered to both small and large groups
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Abu Dhabi Plan:
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Deductible of AED 20 for GP consultation and Deductible of AED10 for Specialist consultation
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Top
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6
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Diagnostics & Laboratory
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Premier Plan:
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100% coverage within and outside network
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Global Plan:
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100% coverage within network, 80% coverage outside network
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International Plan:
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100% coverage within network, 80% coverage outside network
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Regional Plan:
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100% coverage within network, 80% coverage outside network
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UAE Plan:
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100% coverage within network, 0% coverage outside network
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UAE Optima Plan:
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100% coverage within network, 50% coverage outside network
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Abu Dhabi Plan:
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100% coverage within network ; AED 10 Deductible/test, 0% coverage outside network
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Top
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7
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Pharmaceuticals
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Premier Plan:
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100% coverage within network and outside network
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Global Plan:
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100% coverage within network , 80% coverage outside network
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International Plan:
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100% coverage within network, 80% coverage outside network
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Regional Plan:
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100% coverage within network, 80% coverage outside network
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UAE Plan:
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80% coverage within network (max AED 100 out of pocket), 0% coverage outside network
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UAE Optima Plan:
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80% coverage within network (max AED 100 out of pocket, max Annual Limit AED 3,000), 50% coverage outside network
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Abu Dhabi Plan:
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70% coverage within network, 0% coverage outside network
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Top
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8
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Physiotherapy
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Premier Plan:
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100% coverage within network, and outside network
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Global Plan:
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100% coverage within network, 80% coverage outside network
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International Plan:
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100% coverage within network, 80% coverage outside network
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Regional Plan:
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100% coverage within network, 80% coverage outside network
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UAE Plan:
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100% coverage within network , 0% coverage outside network
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UAE Optima Plan:
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100% coverage within network , 50% coverage outside network
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Abu Dhabi Plan:
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100% coverage within network, 0% coverage outside network
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Top
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9
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Maternity (180 days waiting period applies for individuals and small groups only)
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Premier Plan:
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100% coverage within and outside network, coverage outside UAE max. AED 75,000 annually
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Global Plan:
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100% coverage within network, 80% coverage outside network, coverage outside UAE max. AED 15,000 annually
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International Plan:
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100% coverage within network, 80% coverage outside network, coverage outside UAE max. AED 10,000 annually
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Regional Plan:
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100% coverage within network, 80% coverage outside network, coverage outside UAE max. AED 10,000 annually
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UAE Plan:
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100% coverage within network, outside UAE max. AED 8,000 annually, 0% coverage outside network
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UAE Optima Plan:
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100% coverage within network after 180 days waiting period with AED 25/50 Deductible options for physician consultation and AED 500 upon delivery, 50% coverage outside network. Waiting period applies for inpatient maternity for both small and large groups.
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Abu Dhabi Plan:
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100% coverage within network after 180 days waiting period with AED 20 Deductible/ physician consultation and AED 500 upon delivery, 0% coverage outside network
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Top
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10
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Dental (with Pre-authorization)
Covered services include X-rays, anesthesia, assistance, extractions, amalgam/composite fillings, root canal treatments, prescribed drugs)
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Premier Plan:
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Additionally, the following services are covered at 80% (equals a co-insurance of 20%)
Consultations, surgical interventions, bridgework, crowns, periodontist, orthodontics, dentures, tooth scaling and bleaching, gum treatment up to AED 15,000. Offered to both small and large groups
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Global Plan:
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Optional coverage for Dental at 80% (equals a co-insurance of 20%) up to AED 5,000 offered to both small and large groups
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International Plan:
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Optional coverage for Dental at 80% (equals a co-insurance of 20%) up to AED 3,500 (optional) offered to both small and large groups
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Regional Plan:
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Optional coverage for Dental at 80% (equals a co-insurance of 20%) up to AED 3,500 for standard groups (not applicable for individuals and small groups)
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UAE Plan:
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Optional coverage for Dental at 80% (equals a co-insurance of 20%) up to AED 2,500 for standard groups (not applicable for individuals and small groups)
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UAE Optima Plan:
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No Dental coverage
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Abu Dhabi Plan:
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No Dental coverage
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Top
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For specific details please refer to the Schedule of Benefits.
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