Plan Overview
Benefit gives you lots of choice but not a lot of complexity to help you put together a health benefits plan that is the right fit for your company.
Choose the right health plan that fits your protection needs and your pocket book.
All plans offer excellent comprehensive protection.
We give you loads of choice so that you can design Benefit Health to your personal needs . You have the choice of different co-pays for physician consultation fees, diagnostics and lab fees and prescriptions. That’s a lot of fine-tuning.
Accessible services at your convenience. Apps that allow you to access services on your time.
Each plan option has a rich choice of three network options. Giving you unmatched choice to design your own health plan.
Worldwide international cover is standard. You not only have great cover in the UAE, but back home, and even when you are traveling abroad on business or holiday.
Our 24/7 assistance gives you round the clock protection in the UAE as well as abroad.
Built-in well-being and mental health services to keep you on top of your game.
Maximum per member or dependant
250,000.00 AED
All pre-existing and chronic conditions are covered
100 %
Elective treatment
Worldwide
excluding USA
excluding USA
Emergency treatment
Worldwide
Medical network provided by Mednet
Silver Classic or Green
Group consists of 11 employees or more: medical history disregarded (MHD)
Group consists of 10 employees or less: all members have to fill out a medical application from (MAF) and premium will be quoted on application.
Direct billing within network after coinsurance
100 %
Reimbursement treatment - elective percentage based on usual customary and reasonable (UCR) for the treatment as per selected network
Options:
a) 80%
b) 100%
a) 80%
b) 100%
Emergency treatment - reimbursement (within UAE)
100 %
Emergency treatment - reimbursement (outside the UAE)
Lower of actual costs or usual customary and reasonable (UCR) for the treatment per selected network in the UAE
Lower of actual costs or usual customary and reasonable (UCR) for the treatment per selected network in the UAE
100 %
Mobile video consultation available 7-days-a-week provided by Health at Hand
included
Access to professional counselling support
included
Hospitalisation Benefits
Accommodation
Private Room
Hospital charges for:
- Inpatient treatment,
- daypatient,
- operating theatre and recovery room,
- prescribed medicines,
- drugs and dressing
100 %
Intensive care unit
100 %
Inpatient ancillary service – including physical and occupational therapy as a daypatient or inpatient
100 %
Surgeons’ and anaesthetists’ fees
100 %
Inpatient consultation by specialist
100 %
Emergency room
100 %
Pathology, radiology, and diagnostic tests
100 %
MRI, CT and PET scans
100 %
Cancer treatment
100 %
Ambulance Services
Ground transportation services provided by an authorized party for medical emergencies
100 %
Organ Transplant
Kidney, pancreas, liver, heart or lung transplants and any related treatment. This does not include the cost of the organ.
100 %
Companion Accommodation
Hospital accommodation costs for a companion to stay with the member if they’re aged 17 or under and receiving inpatient treatment that we cover under inpatient and daycare treatment.
AED 300 per night
Hospital accommodation costs for a companion to stay with the member if they’re aged 18 or over, their condition is critical and they’re receiving inpatient treatment that we cover.
AED 300 per night
Hospital Cash Benefit
We’ll pay you for each night you stay in a hospital for inpatient treatment:
- if the inpatient treatment and hospital accommodation you receive during your stay are provided free of charge, and
- we would otherwise cover the treatment or services you receive during your stay under this plan.
AED 500 per night up to 30 nights
Repatriation of Mortal Remains
If you die outside your home country, we’ll cover reasonable costs to transport your body or mortal remains to your home country or your country of residence as directed by your next of kin or estate.
10,000.00 AED
Surgical Procedures
Surgical procedures as an outpatient
100 %
Physical Consultation
Physician office visits and specialist fees
Covered
Physical consultations are subject to the selected coinsurance
Options:
a) Nil co-pay
b) 10%
c) 20%
d) 20% co-pay to AED 25
e) 20% to AED 50
a) Nil co-pay
b) 10%
c) 20%
d) 20% co-pay to AED 25
e) 20% to AED 50
Physical consultations are subject to the selected coinsurance (not applicable for follow-up within 7 days) – this is waived if Health at Hand is utilised.
Pharmaceuticals
Prescribed drugs and dressings
2,500 AED
Pharmaceuticals are subject to the selected coinsurance
Options:
a) Nil
b) 10%
c) 20%
d) 30%
a) Nil
b) 10%
c) 20%
d) 30%
Physiotheraphy
Physiotherapy as part of inpatient or daycare treatment.
15 sessions
Post-hospitalisation outpatient physiotherapy. This benefit is available for 90 days after each inpatient or daycare admission.
15 sessions
Outpatient physiotherapy when a medical practitioner or specialist refers you.
15 sessions
Outpatient podiatry treatment when a medical practitioner or specialist refers you.
15 sessions
Nursing At Home
Medical services of a nurse that would have been part of your inpatient or daycare treatment when these are received in your home instead of in hospital.
15,000 AED
Elective Mental Health Benefits
Inpatient psychiatric treatment and psychotherapy when your medical condition is not an emergency.
AED 8,000 up to 20 days per member per year
Outpatient psychiatric treatment and psychotherapy when your medical condition is not an emergency.
No cover
Work Related Injuries
Injuries sustained during work duties
Covered over and above Workmen Compensation
Emergency Dental Treatment
Emergency dental treatment as a result of accident
80%
Emergency Hearing And Vision
Vision aids, vision correction by surgery and hearing aids, when treatment is needed for a medical condition that is an emergency.
80%
Air Ticket for Treatment Abroad
The costs of an air ticket to the nearest appropriate medical facility when we agree that your medical condition is an emergency following an assessment by a medical practitioner in a local medical facility.
AED 2,000
Vaccinations
Essential vaccinations and inoculations for newborns and children as stipulated in the DHA’s policies and its updates (currently the same as Federal MOH).
100%
Preventive Services as stipulated by DHA
Diabetes screening
Every 3 years from age 30
High risk individuals annually from age 18
Adult pneumococcal conjugate vaccine
As per DHA adult pneumococcal vaccination guidelines
Hepatitis C virus screening and treatment
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 cancer support program
Maternity Inpatient Cover
Normal delivery costs including nursing fees and hospital accommodation.
AED 10,000
Costs of a medically necessary caesarean section if the medical condition is not an emergency. This benefit includes nursing fees and hospital accommodation.
AED 10,000
Inpatient treatment for medical complications of maternity during pregnancy or childbirth if the medical condition is not an emergency.
100%
Treatment for an emergency related to, or due to, a pregnancy. This benefit does not extend to the onset of a normal delivery.
100%
Maternity Outpatient Cover
Costs for eight routine antenatal visits for each pregnancy, to include reviews, checks and tests as shown in the DHA’s policies and updates. This benefit also includes antenatal vitamins and three antenatal 2D ultrasound scans for each pregnancy.
Covered
Maternity Outpatient cover is subject to the coinsurance
10%
Newborn Benefits
We will pay reasonable hospital accommodation costs for the newborn to stay with you immediately after childbirth for up to 30 days.
100%
We’ll pay the following routine costs for the newborn for the first 30 days after his or her birth, even if you do not add the newborn to your plan:
• One physical examination
• Vitamin K, hepatitis B and BCG vaccinations
• Screening tests for PKU, congenital hypothyroidism, G6PD or sickle cell and congenital adrenal hyperplasia
• One hearing examination
• One physical examination
• Vitamin K, hepatitis B and BCG vaccinations
• Screening tests for PKU, congenital hypothyroidism, G6PD or sickle cell and congenital adrenal hyperplasia
• One hearing examination
100%
In emergency cases as defined by PO 02-2077, when a situation in the UAE calls for immediate medical intervention by a health services provider for the rescuing of a person’s life or the
elimination of the danger threatening that person’s life, healthcare services outside the scope of
health insurance must be covered until stabilisation as a minimum.
Covered
Your enrollment through Mednet UAE includes a unique global emergency assistance program provided by Assist America®. This program immediately connects you to qualified healthcare providers, hospitals, pharmacies and other services if you experience an emergency while traveling outside of your country of residence for up to 90 days.
Pre-Trip Information
Members can access country profiles with visa requirements, immunisation and inoculation recommendations, as well as security advisories on our website or Mobile App.
Yes
Medical Referrals
Assist America’s 24/7 Operations Center is staffed by trained, multilingual assistance personnel who can make immediate recommendations for any emergency situation.
Yes
Compassionate Visit
Arrangement and payment of roundtrip transportation for family member or a friend to join a member who is traveling alone and expected to be hospitalised for more than five days.
Yes
Care of Minor Children
If an injured member has minor children left unattended, we will pay for them to return home to a family member, or will arrange childcare locally or at home.
Yes
Lost Luggage or Document Assistance
We will help members locate lost luggage, documents, or personal belongings.
Yes
Interpreter and Legal Referrals
We will refer members to interpreters and/or legal personnel, as necessary
Yes
Emergency Message Transmission
We will receive and transmit authorised emergency messages for members.
Yes
Emergency Medical Evacuation
If appropriate care is not available, Assist America will safely evacuate the member to the nearest qualified medical facility.
Yes
Note this is transportation only.
Yes
Medical Repatriation
When deemed medically necessary, Assist America provides transportation home or to a specified health or rehabilitation facility with a medical or non-medical escort as required.
Yes
Prescription Assistance
When a prescription is lost or left behind, Assist America works with the prescribing physician and a local pharmacy to replace the member’s medicine.
Yes
Lost Luggage or Document Assistance
Assist America will help members locate lost luggage, documents, or personal belongings.
Yes
Dental Treatment
Routine outpatient dental treatment, including treatment for accidental damage to natural teeth when the damage is caused by eating. This benefit covers dental examinations, scraping, cleaning and polishing, X-rays, composite fillings and simple non-surgical extractions only.
Not available
Dental treatment insert is subject to the selected co-pay.
N/A
Optical Treatment
Prescription costs for:
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
You’re also covered for one consultation and sight examination for the signs or symptoms, or management of, natural or non-medical degenerative sight disorders. This includes, but isn’t limited to, myopia, hypermetropia and astigmatism.
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
You’re also covered for one consultation and sight examination for the signs or symptoms, or management of, natural or non-medical degenerative sight disorders. This includes, but isn’t limited to, myopia, hypermetropia and astigmatism.
Not available
Optical treatment is subject to the selected co-pay.
N/A
Only available when dental treatment also selected
Alternative Medicine
Outpatient traditional Chinese medicine, acupuncture, osteopathy, chiropractic, homeopathic treatment, and ayurvedic medicine including ayurvedic herbal preparations and therapies.
Not available
Alternative medicine is subject to the selected coinsurance.
N/A
Maximum per member or dependant
500,000.00 AED
All pre-existing and chronic conditions are covered
100 %
Elective treatment
Worldwide
excluding USA
excluding USA
Emergency treatment
Worldwide
Medical network provided by Mednet
Silver Premium or Silver Classic
Group consists of 11 employees or more: medical history disregarded (MHD)
Group consists of 10 employees or less: all members have to fill out a medical application from (MAF) and premium will be quoted on application.
Direct billing within network after coinsurance
100 %
Reimbursement treatment - elective percentage based on usual customary and reasonable (UCR) for the treatment as per selected network
Options:
a) 80%
b) 100%
a) 80%
b) 100%
Emergency treatment - reimbursement (within UAE)
100 %
Emergency treatment - reimbursement (outside the UAE)
Lower of actual costs or usual customary and reasonable (UCR) for the treatment per selected network in the UAE
Lower of actual costs or usual customary and reasonable (UCR) for the treatment per selected network in the UAE
100 %
Mobile video consultation available 7-days-a-week provided by Health at Hand
included
Access to professional counselling support
included
Hospitalisation Benefits
Accommodation
Private Room
Hospital charges for:
- Inpatient treatment,
- daypatient,
- operating theatre and recovery room,
- prescribed medicines,
- drugs and dressing
100 %
Intensive care unit
100 %
Inpatient ancillary service – including physical and occupational therapy as a daypatient or inpatient
100 %
Surgeons’ and anaesthetists’ fees
100 %
Inpatient consultation by specialist
100 %
Emergency room
100 %
Pathology, radiology, and diagnostic tests
100 %
MRI, CT and PET scans
100 %
Cancer treatment
100 %
Ambulance Services
Ground transportation services provided by an authorized party for medical emergencies
100 %
Organ Transplant
Kidney, pancreas, liver, heart or lung transplants and any related treatment. This does not include the cost of the organ.
100 %
Companion Accommodation
Hospital accommodation costs for a companion to stay with the member if they’re aged 17 or under and receiving inpatient treatment that we cover under inpatient and daycare treatment.
AED 300 per night
Hospital accommodation costs for a companion to stay with the member if they’re aged 18 or over, their condition is critical and they’re receiving inpatient treatment that we cover.
AED 300 per night
Hospital Cash Benefit
We’ll pay you for each night you stay in a hospital for inpatient treatment:
- if the inpatient treatment and hospital accommodation you receive during your stay are provided free of charge, and
- we would otherwise cover the treatment or services you receive during your stay under this plan.
AED 500 per night up to 30 nights
Repatriation of Mortal Remains
If you die outside your home country, we’ll cover reasonable costs to transport your body or mortal remains to your home country or your country of residence as directed by your next of kin or estate.
10,000.00 AED
Surgical Procedures
Surgical procedures as an outpatient
100 %
Physical Consultation
Physician office visits and specialist fees
Covered
Physical consultations are subject to the selected coinsurance
Options:
a) Nil co-pay
b) 10%
c) 20%
d) 20% co-pay to AED 25
e) 20% to AED 50
a) Nil co-pay
b) 10%
c) 20%
d) 20% co-pay to AED 25
e) 20% to AED 50
Physical consultations are subject to the selected coinsurance (not applicable for follow-up within 7 days) – this is waived if Health at Hand is utilised.
Pharmaceuticals
Prescribed drugs and dressings
7,500 AED
Pharmaceuticals are subject to the selected coinsurance
Options:
a) Nil
b) 10%
c) 20%
d) 30%
a) Nil
b) 10%
c) 20%
d) 30%
Physiotheraphy
Physiotherapy as part of inpatient or daycare treatment.
15 sessions
Post-hospitalisation outpatient physiotherapy. This benefit is available for 90 days after each inpatient or daycare admission.
15 sessions
Outpatient physiotherapy when a medical practitioner or specialist refers you.
15 sessions
Outpatient podiatry treatment when a medical practitioner or specialist refers you.
15 sessions
Nursing At Home
Medical services of a nurse that would have been part of your inpatient or daycare treatment when these are received in your home instead of in hospital.
15,000 AED
Elective Mental Health Benefits
Inpatient psychiatric treatment and psychotherapy when your medical condition is not an emergency.
AED 8,000 up to 20 days per member per year
Outpatient psychiatric treatment and psychotherapy when your medical condition is not an emergency.
No cover
Work Related Injuries
Injuries sustained during work duties
Covered over and above Workmen Compensation
Emergency Dental Treatment
Emergency dental treatment as a result of accident
80%
Emergency Hearing And Vision
Vision aids, vision correction by surgery and hearing aids, when treatment is needed for a medical condition that is an emergency.
80%
Air Ticket for Treatment Abroad
The costs of an air ticket to the nearest appropriate medical facility when we agree that your medical condition is an emergency following an assessment by a medical practitioner in a local medical facility.
AED 2,000
Vaccinations
Essential vaccinations and inoculations for newborns and children as stipulated in the DHA’s policies and its updates (currently the same as Federal MOH).
100%
Preventive Services as stipulated by DHA
Diabetes screening
Every 3 years from age 30
High risk individuals annually from age 18
Adult pneumococcal conjugate vaccine
As per DHA adult pneumococcal vaccination guidelines
Hepatitis C virus screening and treatment
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 cancer support program
Maternity Inpatient Cover
Normal delivery costs including nursing fees and hospital accommodation.
AED 10,000
Costs of a medically necessary caesarean section if the medical condition is not an emergency. This benefit includes nursing fees and hospital accommodation.
AED 10,000
Inpatient treatment for medical complications of maternity during pregnancy or childbirth if the medical condition is not an emergency.
100%
Treatment for an emergency related to, or due to, a pregnancy. This benefit does not extend to the onset of a normal delivery.
100%
Maternity Outpatient Cover
Costs for eight routine antenatal visits for each pregnancy, to include reviews, checks and tests as shown in the DHA’s policies and updates. This benefit also includes antenatal vitamins and three antenatal 2D ultrasound scans for each pregnancy.
Covered
Maternity Outpatient cover is subject to the coinsurance
10%
Newborn Benefits
We will pay reasonable hospital accommodation costs for the newborn to stay with you immediately after childbirth for up to 30 days.
100%
We’ll pay the following routine costs for the newborn for the first 30 days after his or her birth, even if you do not add the newborn to your plan:
• One physical examination
• Vitamin K, hepatitis B and BCG vaccinations
• Screening tests for PKU, congenital hypothyroidism, G6PD or sickle cell and congenital adrenal hyperplasia
• One hearing examination
• One physical examination
• Vitamin K, hepatitis B and BCG vaccinations
• Screening tests for PKU, congenital hypothyroidism, G6PD or sickle cell and congenital adrenal hyperplasia
• One hearing examination
100%
In emergency cases as defined by PO 02-2077, when a situation in the UAE calls for immediate medical intervention by a health services provider for the rescuing of a person’s life or the
elimination of the danger threatening that person’s life, healthcare services outside the scope of
health insurance must be covered until stabilisation as a minimum.
Covered
Your enrollment through Mednet UAE includes a unique global emergency assistance program provided by Assist America®. This program immediately connects you to qualified healthcare providers, hospitals, pharmacies and other services if you experience an emergency while traveling outside of your country of residence for up to 90 days.
Pre-Trip Information
Members can access country profiles with visa requirements, immunisation and inoculation recommendations, as well as security advisories on our website or Mobile App.
Yes
Medical Referrals
Assist America’s 24/7 Operations Center is staffed by trained, multilingual assistance personnel who can make immediate recommendations for any emergency situation.
Yes
Compassionate Visit
Arrangement and payment of roundtrip transportation for family member or a friend to join a member who is traveling alone and expected to be hospitalised for more than five days.
Yes
Care of Minor Children
If an injured member has minor children left unattended, we will pay for them to return home to a family member, or will arrange childcare locally or at home.
Yes
Lost Luggage or Document Assistance
We will help members locate lost luggage, documents, or personal belongings.
Yes
Interpreter and Legal Referrals
We will refer members to interpreters and/or legal personnel, as necessary
Yes
Emergency Message Transmission
We will receive and transmit authorised emergency messages for members.
Yes
Emergency Medical Evacuation
If appropriate care is not available, Assist America will safely evacuate the member to the nearest qualified medical facility.
Yes
Note this is transportation only.
Yes
Medical Repatriation
When deemed medically necessary, Assist America provides transportation home or to a specified health or rehabilitation facility with a medical or non-medical escort as required.
Yes
Prescription Assistance
When a prescription is lost or left behind, Assist America works with the prescribing physician and a local pharmacy to replace the member’s medicine.
Yes
Lost Luggage or Document Assistance
Assist America will help members locate lost luggage, documents, or personal belongings.
Yes
Dental Treatment
Routine outpatient dental treatment, including treatment for accidental damage to natural teeth when the damage is caused by eating. This benefit covers dental examinations, scraping, cleaning and polishing, X-rays, composite fillings and simple non-surgical extractions only.
Options:
a) Not covered
b) AED 2,500
a) Not covered
b) AED 2,500
Dental treatment insert is subject to the selected co-pay.
Options:
a) 10%
b) 20%
a) 10%
b) 20%
Optical Treatment
Prescription costs for:
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
You’re also covered for one consultation and sight examination for the signs or symptoms, or management of, natural or non-medical degenerative sight disorders. This includes, but isn’t limited to, myopia, hypermetropia and astigmatism.
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
You’re also covered for one consultation and sight examination for the signs or symptoms, or management of, natural or non-medical degenerative sight disorders. This includes, but isn’t limited to, myopia, hypermetropia and astigmatism.
Options:
a) Not covered
b) AED 1,500
a) Not covered
b) AED 1,500
Optical treatment is subject to the selected co-pay.
Options:
a) 10%
b) 20%
a) 10%
b) 20%
Only available when dental treatment also selected
Alternative Medicine
Outpatient traditional Chinese medicine, acupuncture, osteopathy, chiropractic, homeopathic treatment, and ayurvedic medicine including ayurvedic herbal preparations and therapies.
Options:
a) Not covered
b) AED 1,600
a) Not covered
b) AED 1,600
Alternative medicine is subject to the selected coinsurance.
Options:
a) Nil
b) 10%
c) 20%
a) Nil
b) 10%
c) 20%
Maximum per member or dependant
1,000,000.00 AED
All pre-existing and chronic conditions are covered
100 %
Elective treatment
Worldwide
excluding USA
excluding USA
Emergency treatment
Worldwide
Medical network provided by Mednet
Silver Premium
Group consists of 11 employees or more: medical history disregarded (MHD)
Group consists of 10 employees or less: all members have to fill out a medical application from (MAF) and premium will be quoted on application.
Direct billing within network after coinsurance
100 %
Reimbursement treatment - elective percentage based on usual customary and reasonable (UCR) for the treatment as per selected network
Options:
a) 80%
b) 100%
a) 80%
b) 100%
Emergency treatment - reimbursement (within UAE)
100 %
Emergency treatment - reimbursement (outside the UAE)
Lower of actual costs or usual customary and reasonable (UCR) for the treatment per selected network in the UAE
Lower of actual costs or usual customary and reasonable (UCR) for the treatment per selected network in the UAE
100 %
Mobile video consultation available 7-days-a-week provided by Health at Hand
included
Access to professional counselling support
included
Hospitalisation Benefits
Accommodation
Private Room
Hospital charges for:
- Inpatient treatment,
- daypatient,
- operating theatre and recovery room,
- prescribed medicines,
- drugs and dressing
100 %
Intensive care unit
100 %
Inpatient ancillary service – including physical and occupational therapy as a daypatient or inpatient
100 %
Surgeons’ and anaesthetists’ fees
100 %
Inpatient consultation by specialist
100 %
Emergency room
100 %
Pathology, radiology, and diagnostic tests
100 %
MRI, CT and PET scans
100 %
Cancer treatment
100 %
Ambulance Services
Ground transportation services provided by an authorized party for medical emergencies
100 %
Organ Transplant
Kidney, pancreas, liver, heart or lung transplants and any related treatment. This does not include the cost of the organ.
100 %
Companion Accommodation
Hospital accommodation costs for a companion to stay with the member if they’re aged 17 or under and receiving inpatient treatment that we cover under inpatient and daycare treatment.
AED 300 per night
Hospital accommodation costs for a companion to stay with the member if they’re aged 18 or over, their condition is critical and they’re receiving inpatient treatment that we cover.
AED 300 per night
Hospital Cash Benefit
We’ll pay you for each night you stay in a hospital for inpatient treatment:
- if the inpatient treatment and hospital accommodation you receive during your stay are provided free of charge, and
- we would otherwise cover the treatment or services you receive during your stay under this plan.
AED 500 per night up to 30 nights
Repatriation of Mortal Remains
If you die outside your home country, we’ll cover reasonable costs to transport your body or mortal remains to your home country or your country of residence as directed by your next of kin or estate.
10,000.00 AED
Surgical Procedures
Surgical procedures as an outpatient
100 %
Physical Consultation
Physician office visits and specialist fees
Covered
Physical consultations are subject to the selected coinsurance
Options:
a) Nil co-pay
b) 10%
c) 20%
d) 20% co-pay to AED 25
e) 20% to AED 50
a) Nil co-pay
b) 10%
c) 20%
d) 20% co-pay to AED 25
e) 20% to AED 50
Physical consultations are subject to the selected coinsurance (not applicable for follow-up within 7 days) – this is waived if Health at Hand is utilised.
Pharmaceuticals
Prescribed drugs and dressings
Covered
Pharmaceuticals are subject to the selected coinsurance
Options:
a) Nil
b) 10%
c) 20%
d) 30%
a) Nil
b) 10%
c) 20%
d) 30%
Physiotheraphy
Physiotherapy as part of inpatient or daycare treatment.
100 %
Post-hospitalisation outpatient physiotherapy. This benefit is available for 90 days after each inpatient or daycare admission.
100 %
Outpatient physiotherapy when a medical practitioner or specialist refers you.
100 %
Outpatient podiatry treatment when a medical practitioner or specialist refers you.
100 %
Nursing At Home
Medical services of a nurse that would have been part of your inpatient or daycare treatment when these are received in your home instead of in hospital.
15,000 AED
Elective Mental Health Benefits
Inpatient psychiatric treatment and psychotherapy when your medical condition is not an emergency.
AED 8,000 up to 20 days per member per year
Outpatient psychiatric treatment and psychotherapy when your medical condition is not an emergency.
AED 2,000 up to 15 sessions per member per year
Work Related Injuries
Injuries sustained during work duties
Covered over and above Workmen Compensation
Emergency Dental Treatment
Emergency dental treatment as a result of accident
80%
Emergency Hearing And Vision
Vision aids, vision correction by surgery and hearing aids, when treatment is needed for a medical condition that is an emergency.
80%
Air Ticket for Treatment Abroad
The costs of an air ticket to the nearest appropriate medical facility when we agree that your medical condition is an emergency following an assessment by a medical practitioner in a local medical facility.
AED 2,000
Vaccinations
Essential vaccinations and inoculations for newborns and children as stipulated in the DHA’s policies and its updates (currently the same as Federal MOH).
100%
Preventive Services as stipulated by DHA
Diabetes screening
Every 3 years from age 30
High risk individuals annually from age 18
Adult pneumococcal conjugate vaccine
As per DHA adult pneumococcal vaccination guidelines
Hepatitis C virus screening and treatment
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 cancer support program
Maternity Inpatient Cover
Normal delivery costs including nursing fees and hospital accommodation.
AED 10,000
Costs of a medically necessary caesarean section if the medical condition is not an emergency. This benefit includes nursing fees and hospital accommodation.
AED 10,000
Inpatient treatment for medical complications of maternity during pregnancy or childbirth if the medical condition is not an emergency.
100%
Treatment for an emergency related to, or due to, a pregnancy. This benefit does not extend to the onset of a normal delivery.
100%
Maternity Outpatient Cover
Costs for eight routine antenatal visits for each pregnancy, to include reviews, checks and tests as shown in the DHA’s policies and updates. This benefit also includes antenatal vitamins and three antenatal 2D ultrasound scans for each pregnancy.
Covered
Maternity Outpatient cover is subject to the coinsurance
10%
Newborn Benefits
We will pay reasonable hospital accommodation costs for the newborn to stay with you immediately after childbirth for up to 30 days.
100%
We’ll pay the following routine costs for the newborn for the first 30 days after his or her birth, even if you do not add the newborn to your plan:
• One physical examination
• Vitamin K, hepatitis B and BCG vaccinations
• Screening tests for PKU, congenital hypothyroidism, G6PD or sickle cell and congenital adrenal hyperplasia
• One hearing examination
• One physical examination
• Vitamin K, hepatitis B and BCG vaccinations
• Screening tests for PKU, congenital hypothyroidism, G6PD or sickle cell and congenital adrenal hyperplasia
• One hearing examination
100%
In emergency cases as defined by PO 02-2077, when a situation in the UAE calls for immediate medical intervention by a health services provider for the rescuing of a person’s life or the
elimination of the danger threatening that person’s life, healthcare services outside the scope of
health insurance must be covered until stabilisation as a minimum.
Covered
Your enrollment through Mednet UAE includes a unique global emergency assistance program provided by Assist America®. This program immediately connects you to qualified healthcare providers, hospitals, pharmacies and other services if you experience an emergency while traveling outside of your country of residence for up to 90 days.
Pre-Trip Information
Members can access country profiles with visa requirements, immunisation and inoculation recommendations, as well as security advisories on our website or Mobile App.
Yes
Medical Referrals
Assist America’s 24/7 Operations Center is staffed by trained, multilingual assistance personnel who can make immediate recommendations for any emergency situation.
Yes
Compassionate Visit
Arrangement and payment of roundtrip transportation for family member or a friend to join a member who is traveling alone and expected to be hospitalised for more than five days.
Yes
Care of Minor Children
If an injured member has minor children left unattended, we will pay for them to return home to a family member, or will arrange childcare locally or at home.
Yes
Lost Luggage or Document Assistance
We will help members locate lost luggage, documents, or personal belongings.
Yes
Interpreter and Legal Referrals
We will refer members to interpreters and/or legal personnel, as necessary
Yes
Emergency Message Transmission
We will receive and transmit authorised emergency messages for members.
Yes
Emergency Medical Evacuation
If appropriate care is not available, Assist America will safely evacuate the member to the nearest qualified medical facility.
Yes
Note this is transportation only.
Yes
Medical Repatriation
When deemed medically necessary, Assist America provides transportation home or to a specified health or rehabilitation facility with a medical or non-medical escort as required.
Yes
Prescription Assistance
When a prescription is lost or left behind, Assist America works with the prescribing physician and a local pharmacy to replace the member’s medicine.
Yes
Lost Luggage or Document Assistance
Assist America will help members locate lost luggage, documents, or personal belongings.
Yes
Dental Treatment
Routine outpatient dental treatment, including treatment for accidental damage to natural teeth when the damage is caused by eating. This benefit covers dental examinations, scraping, cleaning and polishing, X-rays, composite fillings and simple non-surgical extractions only.
Options:
a) Not covered
b) AED 2,500
c) AED 3,500
a) Not covered
b) AED 2,500
c) AED 3,500
Dental treatment insert is subject to the selected co-pay.
Options:
a) 10%
b) 20%
a) 10%
b) 20%
Optical Treatment
Prescription costs for:
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
You’re also covered for one consultation and sight examination for the signs or symptoms, or management of, natural or non-medical degenerative sight disorders. This includes, but isn’t limited to, myopia, hypermetropia and astigmatism.
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
You’re also covered for one consultation and sight examination for the signs or symptoms, or management of, natural or non-medical degenerative sight disorders. This includes, but isn’t limited to, myopia, hypermetropia and astigmatism.
Options:
a) Not covered
b) AED 1,500
c) AED 2,000
a) Not covered
b) AED 1,500
c) AED 2,000
Optical treatment is subject to the selected co-pay.
Options:
a) 10%
b) 20%
a) 10%
b) 20%
Only available when dental treatment also selected
Alternative Medicine
Outpatient traditional Chinese medicine, acupuncture, osteopathy, chiropractic, homeopathic treatment, and ayurvedic medicine including ayurvedic herbal preparations and therapies.
Options:
a) Not covered
b) AED 1,600
c) AED 2,000
a) Not covered
b) AED 1,600
c) AED 2,000
Alternative medicine is subject to the selected coinsurance.
Options:
a) Nil
b) 10%
c) 20%
a) Nil
b) 10%
c) 20%
Maximum per member or dependant
1,000,000.00 AED
All pre-existing and chronic conditions are covered
100 %
Elective treatment
Worldwide
excluding USA
excluding USA
Emergency treatment
Worldwide
Medical network provided by Mednet
Silver Premium or Gold
Group consists of 11 employees or more: medical history disregarded (MHD)
Group consists of 10 employees or less: all members have to fill out a medical application from (MAF) and premium will be quoted on application.
Direct billing within network after coinsurance
100 %
Reimbursement treatment - elective percentage based on usual customary and reasonable (UCR) for the treatment as per selected network
Options:
a) 80%
b) 100%
a) 80%
b) 100%
Emergency treatment - reimbursement (within UAE)
100 %
Emergency treatment - reimbursement (outside the UAE)
Lower of actual costs or usual customary and reasonable (UCR) for the treatment per selected network in the UAE
Lower of actual costs or usual customary and reasonable (UCR) for the treatment per selected network in the UAE
100 %
Mobile video consultation available 7-days-a-week provided by Health at Hand
included
Access to professional counselling support
included
Hospitalisation Benefits
Accommodation
Private Room
Hospital charges for:
- Inpatient treatment,
- daypatient,
- operating theatre and recovery room,
- prescribed medicines,
- drugs and dressing
100 %
Intensive care unit
100 %
Inpatient ancillary service – including physical and occupational therapy as a daypatient or inpatient
100 %
Surgeons’ and anaesthetists’ fees
100 %
Inpatient consultation by specialist
100 %
Emergency room
100 %
Pathology, radiology, and diagnostic tests
100 %
MRI, CT and PET scans
100 %
Cancer treatment
100 %
Ambulance Services
Ground transportation services provided by an authorized party for medical emergencies
100 %
Organ Transplant
Kidney, pancreas, liver, heart or lung transplants and any related treatment. This does not include the cost of the organ.
100 %
Companion Accommodation
Hospital accommodation costs for a companion to stay with the member if they’re aged 17 or under and receiving inpatient treatment that we cover under inpatient and daycare treatment.
100 %
Hospital accommodation costs for a companion to stay with the member if they’re aged 18 or over, their condition is critical and they’re receiving inpatient treatment that we cover.
100 %
Hospital Cash Benefit
We’ll pay you for each night you stay in a hospital for inpatient treatment:
- if the inpatient treatment and hospital accommodation you receive during your stay are provided free of charge, and
- we would otherwise cover the treatment or services you receive during your stay under this plan.
AED 500 per night up to 30 nights
Repatriation of Mortal Remains
If you die outside your home country, we’ll cover reasonable costs to transport your body or mortal remains to your home country or your country of residence as directed by your next of kin or estate.
10,000.00 AED
Surgical Procedures
Surgical procedures as an outpatient
100 %
Physical Consultation
Physician office visits and specialist fees
Covered
Physical consultations are subject to the selected coinsurance
Options:
a) Nil co-pay
b) 10%
c) 20%
d) 20% co-pay to AED 25
e) 20% to AED 50
a) Nil co-pay
b) 10%
c) 20%
d) 20% co-pay to AED 25
e) 20% to AED 50
Physical consultations are subject to the selected coinsurance (not applicable for follow-up within 7 days) – this is waived if Health at Hand is utilised.
Pharmaceuticals
Prescribed drugs and dressings
Covered
Pharmaceuticals are subject to the selected coinsurance
Options:
a) Nil
b) 10%
c) 20%
d) 30%
a) Nil
b) 10%
c) 20%
d) 30%
Physiotheraphy
Physiotherapy as part of inpatient or daycare treatment.
100 %
Post-hospitalisation outpatient physiotherapy. This benefit is available for 90 days after each inpatient or daycare admission.
100 %
Outpatient physiotherapy when a medical practitioner or specialist refers you.
100 %
Outpatient podiatry treatment when a medical practitioner or specialist refers you.
100 %
Nursing At Home
Medical services of a nurse that would have been part of your inpatient or daycare treatment when these are received in your home instead of in hospital.
100 %
Elective Mental Health Benefits
Inpatient psychiatric treatment and psychotherapy when your medical condition is not an emergency.
AED 8,000 up to 20 days per member per year
Outpatient psychiatric treatment and psychotherapy when your medical condition is not an emergency.
AED 2,000 up to 15 sessions per member per year
Work Related Injuries
Injuries sustained during work duties
Covered over and above Workmen Compensation
Emergency Dental Treatment
Emergency dental treatment as a result of accident
80%
Emergency Hearing And Vision
Vision aids, vision correction by surgery and hearing aids, when treatment is needed for a medical condition that is an emergency.
80%
Air Ticket for Treatment Abroad
The costs of an air ticket to the nearest appropriate medical facility when we agree that your medical condition is an emergency following an assessment by a medical practitioner in a local medical facility.
AED 2,000
Vaccinations
Essential vaccinations and inoculations for newborns and children as stipulated in the DHA’s policies and its updates (currently the same as Federal MOH).
100%
Preventive Services as stipulated by DHA
Diabetes screening
Every 3 years from age 30
High risk individuals annually from age 18
Adult pneumococcal conjugate vaccine
As per DHA adult pneumococcal vaccination guidelines
Hepatitis C virus screening and treatment
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 cancer support program
Maternity Inpatient Cover
Normal delivery costs including nursing fees and hospital accommodation.
AED 20,000
Costs of a medically necessary caesarean section if the medical condition is not an emergency. This benefit includes nursing fees and hospital accommodation.
AED 20,000
Inpatient treatment for medical complications of maternity during pregnancy or childbirth if the medical condition is not an emergency.
100%
Treatment for an emergency related to, or due to, a pregnancy. This benefit does not extend to the onset of a normal delivery.
100%
Maternity Outpatient Cover
Costs for eight routine antenatal visits for each pregnancy, to include reviews, checks and tests as shown in the DHA’s policies and updates. This benefit also includes antenatal vitamins and three antenatal 2D ultrasound scans for each pregnancy.
Covered
Maternity Outpatient cover is subject to the coinsurance
10%
Newborn Benefits
We will pay reasonable hospital accommodation costs for the newborn to stay with you immediately after childbirth for up to 30 days.
100%
We’ll pay the following routine costs for the newborn for the first 30 days after his or her birth, even if you do not add the newborn to your plan:
• One physical examination
• Vitamin K, hepatitis B and BCG vaccinations
• Screening tests for PKU, congenital hypothyroidism, G6PD or sickle cell and congenital adrenal hyperplasia
• One hearing examination
• One physical examination
• Vitamin K, hepatitis B and BCG vaccinations
• Screening tests for PKU, congenital hypothyroidism, G6PD or sickle cell and congenital adrenal hyperplasia
• One hearing examination
100%
In emergency cases as defined by PO 02-2077, when a situation in the UAE calls for immediate medical intervention by a health services provider for the rescuing of a person’s life or the
elimination of the danger threatening that person’s life, healthcare services outside the scope of
health insurance must be covered until stabilisation as a minimum.
Covered
Your enrollment through Mednet UAE includes a unique global emergency assistance program provided by Assist America®. This program immediately connects you to qualified healthcare providers, hospitals, pharmacies and other services if you experience an emergency while traveling outside of your country of residence for up to 90 days.
Pre-Trip Information
Members can access country profiles with visa requirements, immunisation and inoculation recommendations, as well as security advisories on our website or Mobile App.
Yes
Medical Referrals
Assist America’s 24/7 Operations Center is staffed by trained, multilingual assistance personnel who can make immediate recommendations for any emergency situation.
Yes
Compassionate Visit
Arrangement and payment of roundtrip transportation for family member or a friend to join a member who is traveling alone and expected to be hospitalised for more than five days.
Yes
Care of Minor Children
If an injured member has minor children left unattended, we will pay for them to return home to a family member, or will arrange childcare locally or at home.
Yes
Lost Luggage or Document Assistance
We will help members locate lost luggage, documents, or personal belongings.
Yes
Interpreter and Legal Referrals
We will refer members to interpreters and/or legal personnel, as necessary
Yes
Emergency Message Transmission
We will receive and transmit authorised emergency messages for members.
Yes
Emergency Medical Evacuation
If appropriate care is not available, Assist America will safely evacuate the member to the nearest qualified medical facility.
Yes
Note this is transportation only.
Yes
Medical Repatriation
When deemed medically necessary, Assist America provides transportation home or to a specified health or rehabilitation facility with a medical or non-medical escort as required.
Yes
Prescription Assistance
When a prescription is lost or left behind, Assist America works with the prescribing physician and a local pharmacy to replace the member’s medicine.
Yes
Lost Luggage or Document Assistance
Assist America will help members locate lost luggage, documents, or personal belongings.
Yes
Dental Treatment
Routine outpatient dental treatment, including treatment for accidental damage to natural teeth when the damage is caused by eating. This benefit covers dental examinations, scraping, cleaning and polishing, X-rays, composite fillings and simple non-surgical extractions only.
Options:
a) Not covered
b) AED 3,500
c) AED 5,000
a) Not covered
b) AED 3,500
c) AED 5,000
Dental treatment insert is subject to the selected co-pay.
Options:
a) 10%
b) 20%
a) 10%
b) 20%
Optical Treatment
Prescription costs for:
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
You’re also covered for one consultation and sight examination for the signs or symptoms, or management of, natural or non-medical degenerative sight disorders. This includes, but isn’t limited to, myopia, hypermetropia and astigmatism.
• Contact lenses
• Spectacles
• Spectacle lenses
• Spectacle frames
You’re also covered for one consultation and sight examination for the signs or symptoms, or management of, natural or non-medical degenerative sight disorders. This includes, but isn’t limited to, myopia, hypermetropia and astigmatism.
Options:
a) Not covered
b) AED 1,500
c) AED 2,000
a) Not covered
b) AED 1,500
c) AED 2,000
Optical treatment is subject to the selected co-pay.
Options:
a) 10%
b) 20%
a) 10%
b) 20%
Only available when dental treatment also selected
Alternative Medicine
Outpatient traditional Chinese medicine, acupuncture, osteopathy, chiropractic, homeopathic treatment, and ayurvedic medicine including ayurvedic herbal preparations and therapies.
Options:
a) Not covered
b) AED 2,500
c) AED 5,000
a) Not covered
b) AED 2,500
c) AED 5,000
Alternative medicine is subject to the selected coinsurance.
Options:
a) Nil
b) 10%
c) 20%
a) Nil
b) 10%
c) 20%