Health Insurance

Smart Health

Car insurance
Health insurance
Home insurance
Travel insurance
Yacht insurance
Relocation insurance
Make the smart
Golf insurance
choice for a
healthier you
Motorcycle insurance
Personal accident insurance

800 AXA (292)

axa.ae

AXA Insurance (Gulf) B.S.C. (c)

Registered in the Insurance Companies Register - Certificate No. (69) - dated
22/01/2002. Subject to the provisions of Federal Law No. (6) of 2007 concerning the
establishment of Insurance Authority and Organisation of its work.
Agents: Kanoo Group (Insurance Agent) L.L.C.
Dubai and Northern Emirates

Selecting the right
health insurance can be
challenging.
To ensure that you have the right
medical insurance that will cover you
and your family in the event of sickness
or even a routine treatment, AXA
Insurance has developed a variety of
covers combined in five plans to suit
your medical needs including
pre-existing conditions.
Four easy steps to
selecting the right plan
for you and your family
Simply ask yourself:
1. Which countries do I want to be able to receive the
treatment in? This is the Area of Cover
2. Which clinics, pharmacies and hospitals am I most likely
to visit and are closer to me? This is the Out-patient and
In-patient network selection (Provider locator available
http://locator.axa-gulf.com)
3. Do I have ongoing conditions that I need specific
coverage for? This is the Pre-existing & Chronic
Conditions coverage
4. Would I like to have access to additional covers such
as Health screen, Dental, Complimentary Therapies or
Optical? This is Additional Benefits
Have you got the answers?
You can now select the perfect plan for you.
Next steps
Once you have selected the perfect plan for your needs,
please speak to one of our healthcare advisers on 800 292
or visit one of our conveniently located stores (locations
available on our website www.axa.ae) and an adviser will
support you through:
ƒ Understanding the full range of the covered benefits
ƒ Provide you with your quotation
ƒ Ensure the completion of your documentation to get
you covered as quickly as possible
With our five customised plans which are
perfectly designed for you, here’s some of
the advantages of being covered with AXA
Smart Health.
ƒ Peace of mind that you are covered by one of the
world’s leading insurers
ƒ Easy access to treatment and direct settlement in
over 3,000 providers in the UAE and over 800,000
providers globally
ƒ 24/7 support from a dedicated team of multilingual
customer service professionals
ƒ Quick reimbursement of any claims you may have paid
ƒ Free teleconsultation with a Doctor 24/7 in case you
need advice before seeking treatment
ƒ Confidential telephone Wellbeing support service
providing counselling with around the clock access to
English, Arabic and other languages to assist you and
your direct family members living with you
ƒ Worldwide evacuation and repatriation in case of
emergency
ƒ Personal Accident benefit providing a lump sum in
event of accidental
ƒ Routine dental cover, such as routine consultation,
extraction, composite and amalgam fillings, root
canal treatment, scaling, bridgework, crowns and the
treatment of gum disease.
ƒ Comprehensive plans including in-patient cover,
out-patient cover, pre-existing and chronic conditions,
and coverage of cancer and related Specialist Patient
Support Programme*

*covering healthcare services, investigations and treatments for Cancer (As per DHA list of
cancer conditions) and Viral Hepatitis and associated complication. This applies for cases
eligible for and enrolled under the DHA launched Patient Support Program, however the
coverage would be as per the terms and conditions of the program.
Smart Health Plan benefits at a glance
Smart Health - Smart Health - Smart Health - Smart Health - Smart Health -
Benefits
Global Regional Gold Silver Bronze
G.C.C, Jordan, plus
UAE plus any one of
Iran, Lebanon, Syria, UAE plus any one of
India, Pakistan,
Egypt, Tunisia, India, Pakistan,
Sri Lanka,
Worldwide Morocco, Algeria, India, Sri Lanka, Bangladesh,
Area of cover Bangladesh, the UAE
excluding USA Pakistan, Sri Lanka, the Philippines,
Philippines,
Bangladesh, Korea, the Nepal & Bhutan being
Nepal & Bhutan being
Philippines, Indonesia, your home country
your home country
Nepal & Bhutan
Outpatient Network AXA 1 AXA 2** AXA 4 AXA 5 AXA 6
Inpatient Network AXA 1 AXA 2 AXA 3 AXA 4 AXA 5
Pre-existing & Chronic conditions AED 150,000
AED 7,500,000 AED 2,500,000 AED 150,000 AED 150,000
Cover within UAE Pharmacy: AED 1,500
Additional Benefits
Healthscreen AED 3,000 AED 1,000 AED 500
Dental (with 20% co-insurance) AED 4,000 AED 2,000 AED 1,000
Complementary Therapies AED 5,000 AED 3,000 AED 3,000
Optical (with 20% co-insurance) AED 1,500
Other Core Benefits

Annual Limit AED 7,500,000 AED 2,500,000 AED 500,000 AED 250,000 AED 150,000
AED 750,000 AED 250,000 AED 50,000
Emergency Outside Area of Cover
(Worldwide) (Worldwide) (Worldwide)
Routine Outpatient Treatment.
E.g. GP, Specialist, Physiotherapy, √ √ √ √ √
Pathology & Xrays
Outpatient Co-insurance 10% 10% 10% 10% 20%
Inpatient Treatment √ √ √ √ √
20% (capped at AED 500
Inpatient Co-insurance NIL NIL NIL NIL per episode and AED
1,000 per annum)
AED 7,000
In-Patient Maternity Normal
(Normal Delivery)
Pregnancy/Delivery and medically AED 25,000 AED 20,000 AED 15,000 AED 10,000
AED 10,000 (C-Section)
necessary C-Section
10% co-insurance applies
Vaccinations as per MOH List for
√ √ √ √ √
Children up to 6 Years
Psychiatric treatment (Co-insurance
AED 15,000 AED 10,000 AED 5,000 AED 5,000
of 30% applies to this benefit)
Personal accident AED 125,000 AED 75,000 AED 40,000 AED 25,000
International Medical Emergency
√ √ √
Assistance
Wellbeing Counsellor √ √
AXA360 (Teleconsultation) √ √ √ √
**Note selected facilities have 20% co-insurance, please refer to the network list