Plan Name	UAE with Dental and Optical (I/O) – In and Out Patient
Annual Benefit Limit per person	Standard Group*: AED 500,000 Individuals & Small Groups**: AED 250,000
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	UAE   Outside UAE: Emergency Cover in (see list of countries below)
Network (allowing direct billing at designated Providers)	Closed Provider Network in UAE – respective Daman Network (unless emergency)   Outside UAE – In Patient Only: Starwell Health Management
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 is applicable 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	Shared Room
Hospital Accommodation & Services	100% at Network Providers   AED 0 at Non-Network Providers
Consultant’s, Surgeon’s & Anesthetist’s Fees, etc	100% at Network Providers   AED 0 at Non-Network Providers
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 100 per day
Companion Accommodation for Critical Illness	Maximum AED 100 per day

Outpatient Treatment
Physician Consultation   Standard Group: Deductible/consultation options AED 50/30/0   Individuals & Small Group: Deductible/consultation options AED 50/30	100% at Network Providers   AED 0 at Non-Network Providers   Deductible not applicable for follow up within 7 days
Diagnostics (X-Ray, MRI, CT-Scan, Ultra Sound, etc.), Laboratory	100% at Network Providers   AED 0 at Non-Network Providers   MRI, CT and Endoscopies with pre-authorization only
Pharmaceuticals	80% at Network Providers (equals a co-insurance of 20% with out of pocket limit of AED 100 per prescription)   AED 0 at Non-Network Providers   Long term medication above 60 days with pre-authorization only
Physiotherapy	100% at Network Providers with pre-authorization only   AED 0 at Non-Network Providers
Emergency Treatment outside UAE during Business Trips and Holidays	100% Emergency Cover only as per list of countries   Exception: For In & Outpatient maternity treatment: - 80% Emergency as per list of countries
Emergency Treatment in UAE at Non-Network Providers	100% on reimbursement only
Any Treatment Outside Territory of Coverage	AED 0
Repatriation of Mortal Remains to the Country of Origin	AED 7,500 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 8,000
Inpatient Maternity	100% at Network Providers in UAE   100% at Network Providers outside UAE is subject to the following limits per person per policy year: -       normal vaginal delivery: AED 4,000 -       caesarian section: AED 8,000 -       legal abortion: AED 2,500 -       complications: AED 8,000 -       (Total limit per year : AED 8,000)   AED 0 at Non-Network Providers
Outpatient Maternity   Standard Group: Deductible/consultation options AED 50/30/0   Individuals & Small Group: Deductible/consultation options AED 50/30	100% at Network Providers   AED 0 at Non-Network Providers   Deductible not applicable for follow up within 7 days
Dental   (Optional)   (Applicable only for Standard Group)	80% with pre-authorization only (Equals a Co-insurance of 20%) Maximum annual limit per person AED 2,500 Covered service 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	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