Plan Name	Global with Dental & Optical
Annual Benefit Limit per person	AED 5,000,000
Territorial Limit Please note: 1) Coverage outside UAE is limited   to 90 days per treatment 2) A single holiday- or business trip     may not exceed 90 days	Worldwide
Network (allowing direct billing at designated Providers)	In & Out-patient: UAE (Daman Network including American Hospital), GCC and Jordan   In Patient Only: Daman Network
Pre-existing conditions	Standard Group*: Fully Covered   Individuals & Small Group**: Fully Covered; subject to Individual Underwriting for Groups less than 10 employees. Waiting Period of 180 Days for Maternity (No waiting period if pre-requisition of uninterrupted (pre-) coverage with governmental health card is fulfilled)
Inpatient & Day Treatment (up to the relevant Annual Benefit Limit per person; per policy year with pre-approval only)
Accommodation Type	Private Room (Standard Suite)
Hospital Accommodation & Services	100% at Network Providers   80% at Non-Network Providers (equals a Co-insurance of 20%)
Consultant’s, Surgeon’s & Anesthetist’s Fees, etc	100% at Network Providers   80% at Non-Network Providers (equals a Co-insurance of 20%)
Home Nursing	AED 0
Ambulance (in Medical Emergency only, subject to Standard Exclusions)	100%
Parent Accommodation for accompanying an Insured Child under 10 years of age	Maximum AED 500 per day
Companion Accommodation for Critical Illness	Maximum AED 500 per day

Outpatient Treatment
Physician Consultation   Standard Group: Deductible/consultation options AED 50/0   Individuals & Small Group: Deductible/consultation options AED 50//0	100% at Network Providers   80% at Non-Network Providers (equals a Co-insurance of 20%)   Deductible not applicable for follow up within 7 days
Diagnostics (X-Ray, MRI, CT-Scan, Ultra Sound, etc.), Laboratory	100% at Network Providers   80% at Non-Network Providers (equals a Co-insurance of 20%)   MRI, CT and Endoscopies with pre-authorization only
Pharmaceuticals	100% at Network Providers   80% at Non-Network Providers (equals a Co-insurance of 20%)   Long term medication above 60 days with pre-authorization only
Physiotherapy (with pre-authorization only)	100% at Network Providers   80% at Non-Network Providers (equals a Co-insurance of 20%)
Emergency Treatment	100% Emergency Cover Worldwide   Exception: For in- and outpatient maternity treatment at Non-Network Provider: - 80% Emergency Cover Worldwide
Repatriation of Mortal Remains to the Country of Origin	AED 12,500 per policy year
Diagnostic and treatment services for dental and gum treatments	Medical Emergency cases
Hearing and vision aids, and vision correction by surgeries, and laser	Medical Emergency cases

Maternity All in-patient Maternity Treatments are subject to pre-authorization Maximum annual limit per person out of UAE (Inpatient & Outpatient Maternity): AED 15,000
Inpatient Maternity	100% at Network Providers in UAE   80% at Non-Network Providers (equals a Co-insurance of 20%)
Outpatient Maternity   Standard Group: Deductible/consultation options AED 50/0   Individuals & Small Group: Deductible/consultation options AED 50//0	100% at Network Providers   80% at Non-Network Providers (Equals a Co-insurance of 20%)   Deductible not applicable for follow up within 7 days
Dental   (Optional)	80% with pre-authorization only (Equals a Co-insurance of 20%)   Maximum annual limit per person AED 5,000 Covered services are restricted to the following: a) X-Rays b) Extractions c) Amalgam / Composite Fillings d) Root Canal Treatments e) Prescribed Drugs for the above mentioned (a,b,c,&d)     covered dental services   (Accidental dental treatment covered at 100%)
Optical (Optional)  (Available only in combination with Dental) (Applicable only for Standard Group)	Limited to 2 vision tests per year and maximum coverage AED 500 PPPY including Prescribed Eye glasses, Frames and /or contact lenses
Other Services	International Assistance Service Second Opinion facility through Europ Assistance GCS
Annual Screening (applicable for females >35)   (At designated Providers with pre- approval only)	Breast cancer screening For females above 35 years, including a)     Clinical Exam b)    Mammogram c)     Pelvic Sonogram (if medically indicated) and d)    CA 15.3 (if medically indicated)
Annual Screening (applicable for males>45)   (At designated Providers with pre- approval only)	Prostate cancer screening For males above 45 years, including       a) Clinical exam       b) PSA       c) Rectal sonogram