Maximum Benefit Per Year

Area of Coverage for Elective Treatment

Area of coverage extended for Life Threatening Emergency

Provider Network

Pre-existing conditions

Chronic Medications

TPA

Within Provider Network in UAE

OP Restricted to Clinics

OP Hospital Access subject to Referral

Reimbursement Outside Network within the area of coverage

Life Threatening Emergency case within UAE (to be notified within 24 hour of treatment if in a non-network provider)

Elective Treatment outside UAE: treatment received for emergency, accident or illnesses outside U.A.E. whilst traveling on business or vacation for a maximum of 90 days within the geographical area, reimbursement shall be based on Healthnet's UAE's reasonable and customary prices for eligible inpatient and out -patient services.

Life Threatening Emergency outside UAE (All life threatening emergency conditions, which occurs outside the scope of territories to be covered on a worldwide basis while traveling for vacation or business for 90 days. Reimbursement will be 100% of Healthnet’s UAE network prices subject to maximum of annual limit)

Room & Board

In-patient Healthcare Services, subject to prior approval

Tests, Diagnosis, Treatments and Surgeries in Hospitals for non-urgent medical cases, subject to prior approval

Healthcare Services for Emergency cases

Road Transportation services for Medical Emergencies inside the Emirate of Abu Dhabi by an authorised party.

Accommodation for a person accompanying an insured child up to 18 years of age

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.

Examination, Diagnostic and Treatment services of clinics and health centers by General Practitioners, and Specialists. Follow ups are exempted from fees if made within a week from the date of first examination

Laboratory tests and services

X-ray diagnostic services. In cases of non-medical emergencies, the insurance company's prior approval is required for MRI, CT scans and Endoscopies.X-ray diagnostic services. In cases of non-medical emergencies, the insurance company's prior approval is required for MRI, CT scans and endoscopies.

Physiotherapy Pre-approval is required for this benefit (as per policy conditions)

Prescribed Drugs and Medicines - Cost of medicine, subject to insurance company's prior approval

Routine Treatment of Chronic Illness

Diagnostic and treatment services for dental and gum treatments (Emergency cases Only). Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth, Soft-tissue injuries and etc.

Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Hearing Emergencies include Object/insect in the ear , ruptured eardrum , sudden hearing loss and etc. Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc.

Repatriation of Mortal Remains to the Country of Origin

Return Air Fare to Patient for Sugery in Home Country on reimbursement only (If treatment is not availble in the country of residence or the treatment expenses is up to 50% of the cost in UAE). Pre-approval is required

Second Medical Opinion

Alternative/ Complementary Therapies limited to Herbal Medicine, Homeopathy medicine, Acupuncture, Osteopathy, Chiropractic, Chinese Medicine and Ayurvedic treatment only, on reimbursement basis only. All forms of Massage treatment remain excluded

Hepatitis C Virus Screening and treatment

Cancer Screening and treatment

Diagnostic and treatment services for dental and gum treatments (Emergency cases Only). Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth, Soft-tissue injuries and etc.

Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Hearing Emergencies include Object/insect in the ear , ruptured eardrum , sudden hearing loss and etc. Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc.

Repatriation of Mortal Remains to the Country of Origin

Return Air Fare to Patient for Sugery in Home Country on reimbursement only (If treatment is not availble in the country of residence or the treatment expenses is up to 50% of the cost in UAE). Pre-approval is required

Second Medical Opinion

Alternative/ Complementary Therapies limited to Herbal Medicine, Homeopathy medicine, Acupuncture, Osteopathy, Chiropractic, Chinese Medicine and Ayurvedic treatment only, on reimbursement basis only. All forms of Massage treatment remain excluded

Hepatitis C Virus Screening and treatment

Cancer Screening and treatment

Maximum Benefit Per Year

Area of Coverage for Elective Treatment

Area of coverage extended for Life Threatening Emergency

Provider Network

Pre-existing conditions

Chronic Medications

TPA

Within Provider Network in UAE

OP Restricted to Clinics

OP Hospital Access subject to Referral

Reimbursement Outside Network within the area of coverage

Life Threatening Emergency case within UAE (to be notified within 24 hour of treatment if in a non-network provider)

Elective Treatment outside UAE: treatment received for emergency, accident or illnesses outside U.A.E. whilst traveling on business or vacation for a maximum of 90 days within the geographical area, reimbursement shall be based on Healthnet's UAE's reasonable and customary prices for eligible inpatient and out -patient services.

Life Threatening Emergency outside UAE (All life threatening emergency conditions, which occurs outside the scope of territories to be covered on a worldwide basis while traveling for vacation or business for 90 days. Reimbursement will be 100% of Healthnet’s UAE network prices subject to maximum of annual limit)

Room & Board

In-patient Healthcare Services, subject to prior approval

Tests, Diagnosis, Treatments and Surgeries in Hospitals for non-urgent medical cases, subject to prior approval

Healthcare Services for Emergency cases

Road Transportation services for Medical Emergencies inside the Emirate of Abu Dhabi by an authorised party.

Accommodation for a person accompanying an insured child up to 18 years of age

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.

Examination, Diagnostic and Treatment services of clinics and health centers by General Practitioners, and Specialists. Follow ups are exempted from fees if made within a week from the date of first examination

Laboratory tests and services

X-ray diagnostic services. In cases of non-medical emergencies, the insurance company's prior approval is required for MRI, CT scans and Endoscopies.X-ray diagnostic services. In cases of non-medical emergencies, the insurance company's prior approval is required for MRI, CT scans and endoscopies.

Physiotherapy Pre-approval is required for this benefit (as per policy conditions)

Prescribed Drugs and Medicines - Cost of medicine, subject to insurance company's prior approval

Routine Treatment of Chronic Illness

Diagnostic and treatment services for dental and gum treatments (Emergency cases Only). Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth, Soft-tissue injuries and etc.

Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Hearing Emergencies include Object/insect in the ear , ruptured eardrum , sudden hearing loss and etc. Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc.

Repatriation of Mortal Remains to the Country of Origin

Return Air Fare to Patient for Sugery in Home Country on reimbursement only (If treatment is not availble in the country of residence or the treatment expenses is up to 50% of the cost in UAE). Pre-approval is required

Second Medical Opinion

Alternative/ Complementary Therapies limited to Herbal Medicine, Homeopathy medicine, Acupuncture, Osteopathy, Chiropractic, Chinese Medicine and Ayurvedic treatment only, on reimbursement basis only. All forms of Massage treatment remain excluded

Hepatitis C Virus Screening and treatment

Cancer Screening and treatment

Diagnostic and treatment services for dental and gum treatments (Emergency cases Only). Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth, Soft-tissue injuries and etc.

Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Hearing Emergencies include Object/insect in the ear , ruptured eardrum , sudden hearing loss and etc. Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc.

Repatriation of Mortal Remains to the Country of Origin

Return Air Fare to Patient for Sugery in Home Country on reimbursement only (If treatment is not availble in the country of residence or the treatment expenses is up to 50% of the cost in UAE). Pre-approval is required

Second Medical Opinion

Alternative/ Complementary Therapies limited to Herbal Medicine, Homeopathy medicine, Acupuncture, Osteopathy, Chiropractic, Chinese Medicine and Ayurvedic treatment only, on reimbursement basis only. All forms of Massage treatment remain excluded

Hepatitis C Virus Screening and treatment

Cancer Screening and treatment

Maximum Benefit Per Year

Area of Coverage for Elective Treatment

Area of coverage extended for Life Threatening Emergency

Provider Network

Pre-existing conditions

Chronic Medications

TPA

Within Provider Network in UAE

OP Restricted to Clinics

OP Hospital Access subject to Referral

Reimbursement Outside Network within the area of coverage

Life Threatening Emergency case within UAE (to be notified within 24 hour of treatment if in a non-network provider)

Elective Treatment outside UAE: treatment received for emergency, accident or illnesses outside U.A.E. whilst traveling on business or vacation for a maximum of 90 days within the geographical area, reimbursement shall be based on Healthnet's UAE's reasonable and customary prices for eligible inpatient and out -patient services.

Life Threatening Emergency outside UAE (All life threatening emergency conditions, which occurs outside the scope of territories to be covered on a worldwide basis while traveling for vacation or business for 90 days. Reimbursement will be 100% of Healthnet’s UAE network prices subject to maximum of annual limit)

Room & Board

In-patient Healthcare Services, subject to prior approval

Tests, Diagnosis, Treatments and Surgeries in Hospitals for non-urgent medical cases, subject to prior approval

Healthcare Services for Emergency cases

Road Transportation services for Medical Emergencies inside the Emirate of Abu Dhabi by an authorised party.

Accommodation for a person accompanying an insured child up to 18 years of age

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.

Examination, Diagnostic and Treatment services of clinics and health centers by General Practitioners, and Specialists. Follow ups are exempted from fees if made within a week from the date of first examination

Laboratory tests and services

X-ray diagnostic services. In cases of non-medical emergencies, the insurance company's prior approval is required for MRI, CT scans and Endoscopies.X-ray diagnostic services. In cases of non-medical emergencies, the insurance company's prior approval is required for MRI, CT scans and endoscopies.

Physiotherapy Pre-approval is required for this benefit (as per policy conditions)

Prescribed Drugs and Medicines - Cost of medicine, subject to insurance company's prior approval

Routine Treatment of Chronic Illness

Diagnostic and treatment services for dental and gum treatments (Emergency cases Only). Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth, Soft-tissue injuries and etc.

Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Hearing Emergencies include Object/insect in the ear , ruptured eardrum , sudden hearing loss and etc. Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc.

Repatriation of Mortal Remains to the Country of Origin

Return Air Fare to Patient for Sugery in Home Country on reimbursement only (If treatment is not availble in the country of residence or the treatment expenses is up to 50% of the cost in UAE). Pre-approval is required

Second Medical Opinion

Alternative/ Complementary Therapies limited to Herbal Medicine, Homeopathy medicine, Acupuncture, Osteopathy, Chiropractic, Chinese Medicine and Ayurvedic treatment only, on reimbursement basis only. All forms of Massage treatment remain excluded

Hepatitis C Virus Screening and treatment

Cancer Screening and treatment

Diagnostic and treatment services for dental and gum treatments (Emergency cases Only). Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth, Soft-tissue injuries and etc.

Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Hearing Emergencies include Object/insect in the ear , ruptured eardrum , sudden hearing loss and etc. Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc.

Repatriation of Mortal Remains to the Country of Origin

Return Air Fare to Patient for Sugery in Home Country on reimbursement only (If treatment is not availble in the country of residence or the treatment expenses is up to 50% of the cost in UAE). Pre-approval is required

Second Medical Opinion

Alternative/ Complementary Therapies limited to Herbal Medicine, Homeopathy medicine, Acupuncture, Osteopathy, Chiropractic, Chinese Medicine and Ayurvedic treatment only, on reimbursement basis only. All forms of Massage treatment remain excluded

Hepatitis C Virus Screening and treatment

Cancer Screening and treatment

Maximum Benefit Per Year

Area of Coverage for Elective Treatment

Area of coverage extended for Life Threatening Emergency

Provider Network

Pre-existing conditions

Chronic Medications

TPA

Within Provider Network in UAE

OP Restricted to Clinics

OP Hospital Access subject to Referral

Reimbursement Outside Network within the area of coverage

Life Threatening Emergency case within UAE (to be notified within 24 hour of treatment if in a non-network provider)

Elective Treatment outside UAE: treatment received for emergency, accident or illnesses outside U.A.E. whilst traveling on business or vacation for a maximum of 90 days within the geographical area, reimbursement shall be based on Healthnet's UAE's reasonable and customary prices for eligible inpatient and out -patient services.

Life Threatening Emergency outside UAE (All life threatening emergency conditions, which occurs outside the scope of territories to be covered on a worldwide basis while traveling for vacation or business for 90 days. Reimbursement will be 100% of Healthnet’s UAE network prices subject to maximum of annual limit)

Room & Board

In-patient Healthcare Services, subject to prior approval

Tests, Diagnosis, Treatments and Surgeries in Hospitals for non-urgent medical cases, subject to prior approval

Healthcare Services for Emergency cases

Road Transportation services for Medical Emergencies inside the Emirate of Abu Dhabi by an authorised party.

Accommodation for a person accompanying an insured child up to 18 years of age

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.

Examination, Diagnostic and Treatment services of clinics and health centers by General Practitioners, and Specialists. Follow ups are exempted from fees if made within a week from the date of first examination

Laboratory tests and services

X-ray diagnostic services. In cases of non-medical emergencies, the insurance company's prior approval is required for MRI, CT scans and Endoscopies.X-ray diagnostic services. In cases of non-medical emergencies, the insurance company's prior approval is required for MRI, CT scans and endoscopies.

Physiotherapy Pre-approval is required for this benefit (as per policy conditions)

Prescribed Drugs and Medicines - Cost of medicine, subject to insurance company's prior approval

Routine Treatment of Chronic Illness

Diagnostic and treatment services for dental and gum treatments (Emergency cases Only). Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth, Soft-tissue injuries and etc.

Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Hearing Emergencies include Object/insect in the ear , ruptured eardrum , sudden hearing loss and etc. Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc.

Repatriation of Mortal Remains to the Country of Origin

Return Air Fare to Patient for Sugery in Home Country on reimbursement only (If treatment is not availble in the country of residence or the treatment expenses is up to 50% of the cost in UAE). Pre-approval is required

Second Medical Opinion

Alternative/ Complementary Therapies limited to Herbal Medicine, Homeopathy medicine, Acupuncture, Osteopathy, Chiropractic, Chinese Medicine and Ayurvedic treatment only, on reimbursement basis only. All forms of Massage treatment remain excluded

Hepatitis C Virus Screening and treatment

Cancer Screening and treatment

Diagnostic and treatment services for dental and gum treatments (Emergency cases Only). Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth, Soft-tissue injuries and etc.

Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Hearing Emergencies include Object/insect in the ear , ruptured eardrum , sudden hearing loss and etc. Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc.

Repatriation of Mortal Remains to the Country of Origin

Return Air Fare to Patient for Sugery in Home Country on reimbursement only (If treatment is not availble in the country of residence or the treatment expenses is up to 50% of the cost in UAE). Pre-approval is required

Second Medical Opinion

Alternative/ Complementary Therapies limited to Herbal Medicine, Homeopathy medicine, Acupuncture, Osteopathy, Chiropractic, Chinese Medicine and Ayurvedic treatment only, on reimbursement basis only. All forms of Massage treatment remain excluded

Hepatitis C Virus Screening and treatment

Cancer Screening and treatment