Health Insurance Dubai, Sharjah Abu Dhabi, UAE | Medical Insurance | ADNIC (2023)

Annual Limit

AED 250,000

AED 500,000

AED 2,000,000

AED 5,000,000

Geographical Limit

UAE Only

Worldwide Excluding USA, Canada & Europe

Worldwide Excluding USA & Canada

Worldwide

Accommodation

Semi-private

Private

Private

Standard Suite

Maternity Outside Network and Overseas

AED 15,000

AED 30,000

AED 50,000

Medical Consultation Co-insurance

AED 30 or AED 50

AED 30 or AED 50

AED 30 or AED 50

Nil Deductible

Pharmaceutical Co-insurance

Nil or 20%

Nil or 20%

Nil or 10% or 20%

Nil Co- insurance

Outside The Network (In and Outside the UAE) Co-insurance

20%

20%

Nil Co- insurance

Medical Appliances

AED 5,000

AED 25,000

AED 50,000

Kidney Dialysis

AED 15,000

AED 50,000

AED 100,000

Vaccination (Child)

Covered as per MOH schedule

Covered as per MOH schedule

At actual

At actual

Organ Transplant

At actual

Second Medical Opinion

Alternative Medicine

AED 1,500

AED 7,500

AED 15,000

Routine Health Checkup Annual Screening

AED 750

AED 750

AED 1,000

AED 2,500

Diabetic Consumables

AED 3,500

AED 7,500

Psychiatry Treatments Psychological Counselling

AED 1,500

AED 10,000

AED 30,000

Cash Benefit

AED 100 (10 nights)

AED 250 (15 nights)

AED 500 (15 nights)

Overseas Direct Billing

This feature will be available only under “Shifa” medical product in coordination with MSH International Network

This feature will be available only under “Shifa” medical product in coordination with MSH International Network

This feature will be available only under “Shifa” medical product in coordination with MSH International Network

Vision Care (Optional)

AED 750

AED 1,000

Dental Care (Optional)

ROUTINE

AED 1,500, 20% Co-payment will apply

AED 5,000, 20% Co-payment will apply

AED 7,000, 20% Co-payment will apply

Major

AED 5,000, 50% Co-payment will apply

AED 7,000, 20% Co-payment will apply

Area of cover

Emirates of Dubai and Northern Emirates Emergency extension to UAE

Yearly Maximum per insured member

AED 150,000

Eligibility of Cover

• Employees drawing salary less than AED 4,000/- • Employees holding valid Dubai Visas / Northern Emirate, excluding Abu Dhabi & Al Ain.

Network

Inpatient: E-Care Standard Hospitals Outpatient: E-Care Standard Clinics

Level of cover / reimbursement

No Benefit outside the applicable network except for emergencies within United Arab Emirates

In-patient and Day care Treatment

In-patient and Day care treatment

In-patient treatment at authorized hospitals. 20% coinsurance payable by the insured with a cap of AED 500 payable per encounter; and an annual aggregate cap of AED 1,000. Above these caps the insurer will cover 100% of the treatment.  Tests, diagnosis, treatments and surgeries in hospitals for non-urgent medical cases (Prior approval required from the insurance company).  Emergency treatment - Approval required from the insurance company within 24 hours of admission to the authorized hospital.

Daily Room and Board

In-patient services will be received in rooms of two or more beds. Prior approval required from the insurance company.

Eligibility

Visitors with “Visit Visa” in UAE

Benefits

Emergency Medical Condition Inpatient Only

Limit per person

AED 150,000/-

Territorial Limit

UAE

Pre-existing and/or Chronic Medical Conditions

Acute exacerbation of pre-existing chronic medical conditions will be covered for treatment of life threatening case only, whether emergency room or hospital)

In-Patient & Day Care Treatment

Covered

Treatment out of Network

Covered for Life-threatening emergency Conditions

Repatriation of Mortal Remains to the country of Origin

up to AED 15,000

Condition

The policy needs to be purchased before arriving to the UAE and shall not be deemed valid if the person has already reached the country