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Aetna (Al Ain Ahlia Insurance) - Pioneer 4000 - Area 2 - 20% ded - No Den - Non Dubai

Aetna (Al Ain Ahlia Insurance) - Pioneer 4000 - Area 2 - 20% ded - No Den - Non Dubai

Available in Ras Al Khaimah , Sharjah , Fujairah , Umm Al Quwain , Ajman

4.60 4.60/5

Max. Annual Coverage

AED 14,680,000

Deductible

20% co-pay on out-patient treatment (up to a maximum of AED 14,680)

Coverage

Worldwide ex-USA

Chronic Conditions

Covered

Pre-Existing Conditions

Not Covered

In-Patient

Ambulance Coverage

Covered

Hospital Cash Benefit

Up to AED 459 per night for a maximum of 20 nights

Hospital Accomodation

Standard Single Room with private bathroom; pre-authorization required

Parent Accomodation

Covered with pre-authorization

Out-Patient

Vaccination

Covered for adults & children up to AED 1,835 (combined limit with routine health checks)

Psychiatric Treatment

Up to AED 36,700 for in-patient treatment (maximum 30 days); up to AED 7,340 for out-patient treatment; pre-authorization required

Physiotherapy

Covered in full for in-patient treatment with pre-authorization & up to AED 7,340 for out-patient treatment (combined limit with alternate medicine)

Alternative Medicine

Up to AED 7,340 for alternate medicine (combined limit with OP physiotherapy) & up to AED 2,753 for traditional Chinese medicine

Scans

Covered in full for in-patient scans & out-patient PET and CT scans; up to AED 55,050 for out-patient scans including MRI scans (combined limit with consultations, diagnostics, prescriptions & kidney dialysis)

Prescription Drugs

Not Covered

Health Checks

Covered for adults & children up to AED 1,835 (combined limit with vaccinations)

Network

Network Coverage

113 Hospitals
647 Clinics
42 Laboratories
1006 Pharmacies
21 Dentals
0 Optics

Treatment Outside Area of Cover

Covered for emergency treatment; up to AED 110,100 for in-patient & up to AED 1,835 each for out-patient and ambulance

Treatment Outside Network

100% of covered non-emergency cost subject to network rates and on reimbursement basis

Maternity

Pregnancy Cover

Not Covered

Newborn Baby Cover

Lifetime in-patient benefit for newborn's acute conditions up to AED 550,500 (natural conception)

Dental

Dental Coverage

Not Covered

Accidental Damage to Teeth

Up to AED 2,753 for out-patient treatment; covered in full when OP treatment can only be provided after your hospital stay for the accident