Al Sagr National Insurance Co - FlexiDiamond - Option 1
Available in dubai
Yearly Cover
AED 500,000.00
Deductible
20% co-pay or AED 50 per OP consultation, whichever is lower; 20% co-insurance on all OP services in Saudi German Hospital, Mediclinic Group & Al Zahra Group
Coverage
Worldwide ex-North America
Chronic Conditions
Up to AED 150,000 (with pre-existing conditions); Covered after 6 month waiting period for new members & members without continuity of coverage for newly discovered chronic conditions
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered in Full
Hospital Accomodation
Private Room
Hospital Cash Benefit
Up to AED 300 per day
Parent Accomodation
Up to AED 200 per day
Out-Patient
Vaccination
Covered up to age of 6 years on reimbursement basis
Physiotherapy
Up to 7 sessions per condition for OP treatment
Scans
Covered
Health Checks
Preventive services for diabetic screening covered once in 3 years from age 30 & for high risk individuals once a year from age 18; Preventive services for papanicolaou covered once in 3 years for married females
Psychiatric Treatment
Covered up AED 10,000; 20% co-insurance on out-patient treatment; covered only on reimbursement basis
Alternative Medicine
Covered up AED 2,500 for homeopathy and ayurveda; 20% co-insurance on out-patient treatment; covered only on reimbursement basis
Prescription Drugs
Not Covered
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Network
Network Coverage
123 Hospitals
1242 Clinics
72 Laboratories
1712 Pharmacies
156 Dentals
123 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
80% of elective treatment cost covered subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Up to AED 10,000 for normal (AED 15,000 for medically essential C-section & complications) with 10% co-pay; Covered after 9 month waiting period for non-working married females without continuity of coverage who are confirmed pregnant after time of enrollment
Newborn Baby Cover
Covered for 30 days from birth; life threatening birth defects covered up to AED 150,000
Natal Complications
Covered
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Covered in Full