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Aetna (Al Ain Ahlia Insurance) - Pioneer Dubai 5000 - Area 2 - Tier 1 - Nil ded - With Den

Aetna (Al Ain Ahlia Insurance) - Pioneer Dubai 5000 - Area 2 - Tier 1 - Nil ded - With Den

Available in Dubai

Max. Annual Coverage

AED 18,350,000

Deductible

None

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 3,670 (combined limit with routine health checks)

Psychiatric Treatment

Covered in full for in-patient treatment (maximum 30 nights); up to AED 36,700 for out-patient treatment; pre-authorization required; up to AED 150,470 for emergency IP & OP treatment

Physiotherapy

Covered; pre-authorization required for in-patient treatment

Alternative Medicine

Up to AED 14,680 for alternate medicine & up to AED 5,505 for traditional Chinese medicine

Scans

Covered in full

Prescription Drugs

Not Covered

Health Checks

Covered for adults & children up to AED 3,670 (combined limit with vaccinations); up to AED 918 for one sight test & one hearing test

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 183,500 for in-patient & up to AED 1,835 each for out-patient and ambulance

Treatment Outside Network

100% of covered cost on reimbursement basis

Maternity

Pregnancy Cover

Covered under DHA sub-limit (AED 150,470) with 10% co-pay; out-patient maternity covered in full; up to AED 10,093 for normal pregnancy, complications & medically necessary C-section with pre-authorization

Newborn Baby Cover

Covered for 30 days from birth under DHA sub-limit (AED 150,470); lifetime in-patient benefit for newborn's acute conditions up to AED 550,500 (natural conception) & under DHA sub-limit (assisted conception)

Natal Complications

Up to AED 10,093 (combined limit with normal pregnancy & medically necessary C-section) with pre-authorization & 10% co-pay under DHA sub-limit

Dental

Dental Coverage

Up to AED 5,505 for routine & major restorative dental with 25% co-insurance & waiting period of 182 days

Accidental Damage to Teeth

Up to AED 5,505 for out-patient treatment; covered in full when OP treatment can only be provided after your hospital stay for the accident