Various therapies including

physiotherapy, chemotherapy, Covered

radiation therapy etc.
Use of hospital medical equipment
(e.g. heart and lung support systems Covered
etc.)
Ground transportation services in the
UAE provided by an authorized party
Covered
for medical emergencies (Ground
Ambulance Services)
The cost of accommodating a person Covered maximum up to 100 AED per night
accompanying an insured child up to
the age of 16 years
The cost of accommodation of a
person accompanying an in-patient in
the same room in
cases of medical necessity at the
Covered maximum up to 100 AED per night
recommendation of the treating
doctor and after the prior approval of
the insurance company providing
coverage
Death & Mortal remains repatriation Covered up to AED 5,000/-
costs for the transport of mortal
remains to the country of origin
Return Airfare ticket for in-patient
claims subject to a maximum
reimbursement of 100% of UAE usual
and customary rates. Direct billing
Covered
might be arranged for pre-scheduled
operations in some countries. Cover
will be subject to policy terms and
conditions.

Out -Patient Benefits

Referral Procedure
In respect of Essential Benefit Plan
members, no costs incurred for advice, • Primary care / 1st line of care at Network General Practitioner or
consultations or treatments provided Network Gatekeeper only
by specialists or consultants without
• In respect of Essential Benefit Plan members, no costs incurred for advice,
the insured first consulting a General
consultations or treatments provided by specialists or consultants
Practitioner (or equivalent as
without the insured first consulting a General Practitioner (or equivalent
designated by DHA) who is licensed by
as designated by DHA) who is licensed by DHA or another competent
DHA or another competent UAE
UAE authority will be payable by the insurer. The GP must make his
authority will be payable by the
referral together with reasons via the DHA e-Referrals system for the
insurer. The GP must make his referral
claim to be considered by the Insurer
together with reasons via the DHA e-
Referrals system for the claim to be
considered by the Insurer
Examination, diagnostic and treatment
services by authorised general
Covered with 20% coinsurance payable by the insured per visit
practitioners, specialists and
consultants.
Laboratory Tests & Radiology
Covered with 20% Co-insurance
Diagnostic services