How can I avail medical care in the UAE without medical cards?

You should be fine even if you don't have your physical medical card with you. Healthcare providers
within your applicable network across the UAE have access to our online platform where they can
validate your insurance details using your Emirates ID or your eCard that's available on our portal
and mobile app. For your ease, we advise you to download and save the eCards to your mobile
phones.

Do I need to pay some amount for doctor consultation, medical test and medicines?

You can refer to your Tables of Benefits for any co-pay for availing these services. Co-pay is the
percentage or amount you will need to pay the hospital or healthcare provider for all services that
are covered under your policy.

How do I submit a claim?

You can submit your claim through our website www.unioninsurance.ae along with the documents
relevant to your claim.

How do I avail the services at Network Providers?

As an insured member, you can avail the benefit of direct billing services at our network providers by
following the below mentioned steps:

1. Present your health insurance card (Emirates ID or ecard) at the Network Provider’s reception

2. Comply with the Network Provider’s administrative procedures for availing direct billing. Network
providers will explain and help you in completing the necessary administrative procedures

3. Some health services may have deductibles or co-insurance charges applicable that you have to
pay directly to the Network Providers for availing health services. (“Deductible” is a fixed fee that is
required to be paid by you to the Network Provider. “Co-insurance” is the percentage of eligible
expenses that is required to be paid by you to the Network Provider). Such charges will be clearly
mentioned on your Table of Benefits and will be due and payable to the provider on the date that
the service is provided.

How can I find out medical providers which are covered under my policy?

You can find the providers under your network using our website www.unioninsurance.ae

What are the benefits covered under my policy?

Please refer to Table of Benefits to see the details of your coverage. You will get details about your
policy limit, network, geography covered and any deductible/co-pay (any money which you need to
pay to provider to avail services

Classification: Confidential