Individual

Abu Dhabi

Individual

Dubai

Individual

Northern Emirates

Healthnet 1 - DXB

Healthnet 2 - DXB

Healthnet 3 - DXB

Healthnet 4 - DXB

Recommended Healthnet 1 - DXB Plan:

Check other packages: Advanced, Basic

Plan

Maximum Benefit Per Year

AED. 250,000

Area of Coverage for Elective Treatment

UAE + Home Country

Area of coverage extended for Life Threatening Emergency

Worldwide

Provider Network

HN Premier

Pre-existing conditions

Fully Covered subject to Declaration, limited to AED.150,000 for the first policy year. Treatment for chronic and pre-existing conditions may be excluded for first 6 months of membership of an individual’s first scheme entered into within the UAE. (Here “scheme” includes any and all schemes providing cover for medical expenses whether or not on a selffunded or insured basis). In all other cases, pre-existing conditions must be covered from date of enrolment.

Claim Settlement

Chronic Medications

prior approval not required up to 90 days for refilling of chronic medication (subject to policy terms and conditions)

TPA

NGI-Healthnet

Within Provider Network in UAE

100% Covered after applicable Co-pay

OP Restricted to Clinics

Yes

OP Hospital Access subject to Referral

Yes

Reimbursement Outside Network within the area of coverage

As per DHA Adult Pneumococcal Vaccination guidelines

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

100% of incurred cost

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.

80% of Reasonable and Customary Charges

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)

100% of Reasonable and Customary Charges

In-Patient Benefits

Room & Board

Private Room

In-patient Healthcare Services, subject to prior approval

100% Covered

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

100% Covered

Healthcare Services for Emergency cases

100% Covered

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

100% Covered

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

AED 300 / night

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.

AED 300 / night

Out-Patient Benefits

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

20% up to AED 100 @ Hospitals 20% up to AED 50 @ Clinics

Laboratory tests and services

Covered with 20% Coinsurance at all OP Services @ Hospitals; Nil Coinurance @ Clinics

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.

Covered with 20% Coinsurance at all OP Services @ Hospitals; Nil Coinurance @ Clinics

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

100% Covered

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

80% Covered with 20% Coinsurance payabale by the insured, subject to the maximum sublimit of AED.5,000

Routine Treatment of Chronic Illness

Covered

Additional Benefits

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.

20% co-insurance

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.

20% co-insurance

Repatriation of Mortal Remains to the Country of Origin

100% Covered up to AED. 5,000 PPPY

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

100% Covered

Second Medical Opinion

100% Covered

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

80% Covered up AED 1,500/- PPPY subject to coinsurance of 20% payable by the insured

Hepatitis C Virus Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Cancer Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Maternity Benefits - DXB

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.

20% co-insurance

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.

20% co-insurance

Repatriation of Mortal Remains to the Country of Origin

100% Covered up to AED. 5,000 PPPY

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

100% Covered

Second Medical Opinion

100% Covered

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

80% Covered up AED 1,500/- PPPY subject to coinsurance of 20% payable by the insured

Hepatitis C Virus Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Cancer Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Recommended Healthnet 2 - DXB Plan:

Check other packages: Advanced, Basic

Plan

Maximum Benefit Per Year

AED. 250,000

Area of Coverage for Elective Treatment

UAE + Home Country

Area of coverage extended for Life Threatening Emergency

Worldwide

Provider Network

HN Premier

Pre-existing conditions

Fully Covered subject to Declaration, limited to AED.150,000 for the first policy year. Treatment for chronic and pre-existing conditions may be excluded for first 6 months of membership of an individual’s first scheme entered into within the UAE. (Here “scheme” includes any and all schemes providing cover for medical expenses whether or not on a selffunded or insured basis). In all other cases, pre-existing conditions must be covered from date of enrolment.

Claim Settlement

Chronic Medications

prior approval not required up to 90 days for refilling of chronic medication (subject to policy terms and conditions)

TPA

NGI-Healthnet

Within Provider Network in UAE

100% Covered after applicable Co-pay

OP Restricted to Clinics

Yes

OP Hospital Access subject to Referral

Yes

Reimbursement Outside Network within the area of coverage

As per DHA Adult Pneumococcal Vaccination guidelines

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

100% of incurred cost

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.

80% of Reasonable and Customary Charges

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)

100% of Reasonable and Customary Charges

In-Patient Benefits

Room & Board

Private Room

In-patient Healthcare Services, subject to prior approval

100% Covered

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

100% Covered

Healthcare Services for Emergency cases

100% Covered

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

100% Covered

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

AED 300 / night

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.

AED 300 / night

Out-Patient Benefits

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

20% up to AED 100 @ Hospitals 20% up to AED 50 @ Clinics

Laboratory tests and services

Covered with 20% Coinsurance at all OP Services @ Hospitals; Nil Coinurance @ Clinics

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.

Covered with 20% Coinsurance at all OP Services @ Hospitals; Nil Coinurance @ Clinics

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

100% Covered

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

80% Covered with 20% Coinsurance payabale by the insured, subject to the maximum sublimit of AED.5,000

Routine Treatment of Chronic Illness

Covered

Additional Benefits

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.

20% co-insurance

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.

20% co-insurance

Repatriation of Mortal Remains to the Country of Origin

100% Covered up to AED. 5,000 PPPY

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

100% Covered

Second Medical Opinion

100% Covered

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

80% Covered up AED 1,500/- PPPY subject to coinsurance of 20% payable by the insured

Hepatitis C Virus Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Cancer Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Maternity Benefits - DXB

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.

20% co-insurance

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.

20% co-insurance

Repatriation of Mortal Remains to the Country of Origin

100% Covered up to AED. 5,000 PPPY

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

100% Covered

Second Medical Opinion

100% Covered

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

80% Covered up AED 1,500/- PPPY subject to coinsurance of 20% payable by the insured

Hepatitis C Virus Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Cancer Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Recommended Healthnet 3 - DXB Plan:

Check other packages: Advanced, Basic

Plan

Maximum Benefit Per Year

AED. 250,000

Area of Coverage for Elective Treatment

UAE + Home Country

Area of coverage extended for Life Threatening Emergency

Worldwide

Provider Network

HN Premier

Pre-existing conditions

Fully Covered subject to Declaration, limited to AED.150,000 for the first policy year. Treatment for chronic and pre-existing conditions may be excluded for first 6 months of membership of an individual’s first scheme entered into within the UAE. (Here “scheme” includes any and all schemes providing cover for medical expenses whether or not on a selffunded or insured basis). In all other cases, pre-existing conditions must be covered from date of enrolment.

Claim Settlement

Chronic Medications

prior approval not required up to 90 days for refilling of chronic medication (subject to policy terms and conditions)

TPA

NGI-Healthnet

Within Provider Network in UAE

100% Covered after applicable Co-pay

OP Restricted to Clinics

Yes

OP Hospital Access subject to Referral

Yes

Reimbursement Outside Network within the area of coverage

As per DHA Adult Pneumococcal Vaccination guidelines

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

100% of incurred cost

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.

80% of Reasonable and Customary Charges

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)

100% of Reasonable and Customary Charges

In-Patient Benefits

Room & Board

Private Room

In-patient Healthcare Services, subject to prior approval

100% Covered

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

100% Covered

Healthcare Services for Emergency cases

100% Covered

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

100% Covered

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

AED 300 / night

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.

AED 300 / night

Out-Patient Benefits

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

20% up to AED 100 @ Hospitals 20% up to AED 50 @ Clinics

Laboratory tests and services

Covered with 20% Coinsurance at all OP Services @ Hospitals; Nil Coinurance @ Clinics

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.

Covered with 20% Coinsurance at all OP Services @ Hospitals; Nil Coinurance @ Clinics

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

100% Covered

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

80% Covered with 20% Coinsurance payabale by the insured, subject to the maximum sublimit of AED.5,000

Routine Treatment of Chronic Illness

Covered

Additional Benefits

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.

20% co-insurance

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.

20% co-insurance

Repatriation of Mortal Remains to the Country of Origin

100% Covered up to AED. 5,000 PPPY

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

100% Covered

Second Medical Opinion

100% Covered

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

80% Covered up AED 1,500/- PPPY subject to coinsurance of 20% payable by the insured

Hepatitis C Virus Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Cancer Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Maternity Benefits - DXB

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.

20% co-insurance

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.

20% co-insurance

Repatriation of Mortal Remains to the Country of Origin

100% Covered up to AED. 5,000 PPPY

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

100% Covered

Second Medical Opinion

100% Covered

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

80% Covered up AED 1,500/- PPPY subject to coinsurance of 20% payable by the insured

Hepatitis C Virus Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Cancer Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Recommended Healthnet 4 - DXB Plan:

Check other packages: Advanced, Basic

Plan

Maximum Benefit Per Year

AED. 250,000

Area of Coverage for Elective Treatment

UAE + Home Country

Area of coverage extended for Life Threatening Emergency

Worldwide

Provider Network

HN Premier

Pre-existing conditions

Fully Covered subject to Declaration, limited to AED.150,000 for the first policy year. Treatment for chronic and pre-existing conditions may be excluded for first 6 months of membership of an individual’s first scheme entered into within the UAE. (Here “scheme” includes any and all schemes providing cover for medical expenses whether or not on a selffunded or insured basis). In all other cases, pre-existing conditions must be covered from date of enrolment.

Claim Settlement

Chronic Medications

prior approval not required up to 90 days for refilling of chronic medication (subject to policy terms and conditions)

TPA

NGI-Healthnet

Within Provider Network in UAE

100% Covered after applicable Co-pay

OP Restricted to Clinics

Yes

OP Hospital Access subject to Referral

Yes

Reimbursement Outside Network within the area of coverage

As per DHA Adult Pneumococcal Vaccination guidelines

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

100% of incurred cost

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.

80% of Reasonable and Customary Charges

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)

100% of Reasonable and Customary Charges

In-Patient Benefits

Room & Board

Private Room

In-patient Healthcare Services, subject to prior approval

100% Covered

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

100% Covered

Healthcare Services for Emergency cases

100% Covered

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

100% Covered

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

AED 300 / night

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.

AED 300 / night

Out-Patient Benefits

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

20% up to AED 100 @ Hospitals 20% up to AED 50 @ Clinics

Laboratory tests and services

Covered with 20% Coinsurance at all OP Services @ Hospitals; Nil Coinurance @ Clinics

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.

Covered with 20% Coinsurance at all OP Services @ Hospitals; Nil Coinurance @ Clinics

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

100% Covered

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

80% Covered with 20% Coinsurance payabale by the insured, subject to the maximum sublimit of AED.5,000

Routine Treatment of Chronic Illness

Covered

Additional Benefits

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.

20% co-insurance

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.

20% co-insurance

Repatriation of Mortal Remains to the Country of Origin

100% Covered up to AED. 5,000 PPPY

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

100% Covered

Second Medical Opinion

100% Covered

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

80% Covered up AED 1,500/- PPPY subject to coinsurance of 20% payable by the insured

Hepatitis C Virus Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Cancer Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Maternity Benefits - DXB

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.

20% co-insurance

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.

20% co-insurance

Repatriation of Mortal Remains to the Country of Origin

100% Covered up to AED. 5,000 PPPY

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

100% Covered

Second Medical Opinion

100% Covered

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

80% Covered up AED 1,500/- PPPY subject to coinsurance of 20% payable by the insured

Hepatitis C Virus Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Cancer Screening and treatment

To be followed as per the guidelines laid out in the Hepatitis C support program

Why Choose NGI

40+

Years of Experience

100,000+

Satisfied Customers

95%

Claim Satisfaction