Sl.No		Premier	Global	International	Regional	UAE	Abu Dhabi
(1)	Annual Limit	5,000,000	5,000,000	2,500,000	500,000 / 1,000,000	250,000 / 500,000	250,000
	Geographical Cover	Worldwide	Worldwide	Worldwide excluding USA, Canada	Worldwide excluding USA, Canada & Europe	UAE	Abu Dhabi
	Worldwide coverage for medical emergencies	P	P	P	P	UAE, South East Asia, Arab Countries, Indian Subcontinent, selected countries from East Europe, Africa & South America	UAE
(2)	Pre-existing Conditions	P	P	P	P	P	Covered with a 6 months 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
(3)	Network	1	1	1	1	2	3
(4)	Inpatient accommodation type	Standard Suite	Standard Suite	Deluxe	First Class	Shared room	General Ward
	Accommodation for Parent accompanying child (For age limit of child, refer to SOB)	5,000	500	300	150	100	100
	Companion Accommodation for Critical Illness	500	500	300	150	100	100
(5a,b)	Physician Consultation	P	P	P	P	P	P
(6)	Diagnostics & Laboratory	P	P	P	P	P	P
(7)	Pharmaceuticals	100%	100%	100%	100%	80%	70%
(8)	Physiotherapy	P	P	P	P	P	P
(9)	Maternity	P	P	P	P	P	P
(10)	Dental	15,000	5,000 (optional)	3,500 (optional)	3,500 (optional)	2,500 (optional)	O
	Second Opinion service VIPmed almeda	P	P	P	P	P	O
	Global emergency assistance service by Assist America	P	P	P	P	O	O
	Other Benefits (medical appliances and equipment, psychiatric treatment, medical checkup, dietician, alternative medicine, chiropractic, vaccinations, contraceptives and birth control ... etc)	P	O	O	O	O	O
	Repatriation of Mortal Remains	12,500	12,500	10,000	10,000	7,500	O
[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).

1
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
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2
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
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3
Network1 for the regional plan excludes SKMC, Tawam Hospital - Abu Dhabi and American Hospital - Dubai
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4	Inpatient
Premier Plan:	100% coverage for inpatient services in private room within and outside network
Global Plan:	100% coverage for inpatient services in private room within network, and 80% coverage outside network
International Plan:	100%coverage for inpatient services in private room within network, and 80% coverage outside network
Regional Plan:	100% coverage for inpatient services in private room within network, and 80% coverage outside network
UAE Plan:	100% coverage for inpatient services in shared room within network, 0% coverage outside network unless it is an emergency
Abu Dhabi Plan:	100% coverage for inpatient services in general ward within network , 0% coverage outside network unless it is an emergency
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5.a	Outpatient
Premier Plan:	100% coverage for physician consultation within and outside network
Global Plan:	100% coverage for physician consultation within network, and 80% coverage for physician consultation outside network
International Plan:	100% coverage for physician consultation within network, and 80% coverage for physician consultation outside network
Regional Plan:	100% coverage for physician consultation within network, and 80% coverage for physician consultation outside network
UAE Plan:	100% coverage for physician consultation within network, 0% coverage for physician consultation outside network
Abu Dhabi Plan:	100% coverage for physician consultation within network, 0% coverage for physician consultation outside network
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5.b	Deductible
Premier Plan:	Deductible of AED Nil
Global Plan:	Deductible of AED Nil/50 options offered to both small and large groups
International Plan:	Deductible of AED Nil/50 options offered to both small and large groups
Regional Plan:	Deductible of AED Nil/30/50 options offered to large groups and Deductible of AED 30/50 offered to small groups
UAE Plan:	Deductible of AED Nil/30/50 options offered to large groups and Deductible of AED 30/50 offered to small groups
Abu Dhabi Plan:	Deductible of AED 20 for GP consultation and Deductible of AED10 for Specialist consultation
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6	Diagnostics & Laboratory
Premier Plan:	100% coverage within and outside network
Global Plan:	100% coverage within network, 80% coverage outside network
International Plan:	100% coverage within network, 80% coverage outside network
Regional Plan:	100% coverage within network, 80% coverage outside network
UAE Plan:	100% coverage within network, 0% coverage outside network
Abu Dhabi Plan:	100% coverage within network ; AED 10 Deductible/test, 0% coverage outside network
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7	Pharmaceuticals
Premier Plan:	100% coverage within network and outside network
Global Plan:	100% coverage within network , 80% coverage outside network
International Plan:	100% coverage within network, 80% coverage outside network
Regional Plan:	100% coverage within network, 80% coverage outside network
UAE Plan:	80% coverage within network (max AED 100 out of pocket), 0% coverage outside network
Abu Dhabi Plan:	70% coverage within network, 0% coverage outside network
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8	Physiotherapy
Premier Plan:	100% coverage within network, and outside network
Global Plan:	100% coverage within network, 80% coverage outside network
International Plan:	100% coverage within network, 80% coverage outside network
Regional Plan:	100% coverage within network, 80% coverage outside network
UAE Plan:	100% coverage within network , 0%  coverage outside network
Abu Dhabi Plan:	100% coverage within network, 0% coverage outside network
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9	Maternity (180 days waiting period applies for individuals and small groups only)
Premier Plan:	100% coverage within and outside network, coverage outside UAE max. AED 75,000 annually
Global Plan:	100% coverage within network, 80% coverage outside network, coverage outside UAE max. AED 15,000 annually
International Plan:	100% coverage within network, 80% coverage outside network, coverage outside UAE max. AED 10,000 annually
Regional Plan:	100% coverage within network, 80% coverage outside network, coverage outside UAE max. AED 10,000 annually
UAE Plan:	100% coverage within network, outside UAE max. AED 8,000 annually, 0% coverage outside network
Abu Dhabi Plan:	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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10	Dental (with Pre-authorization) Covered services include X-rays, anesthesia, assistance, extractions, amalgam/composite fillings, root canal treatments, prescribed drugs)
Premier Plan:	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
Global Plan:	Optional coverage for Dental at 80% (equals a co-insurance of 20%) up to AED 5,000 offered to both small and large groups
International Plan:	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
Regional Plan:	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)
UAE Plan:	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)
Abu Dhabi Plan:	No Dental coverage
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For specific details please refer to the Schedule of Benefits.