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Al Sagr National Insurance Co - FlexiDiamond - Option 1

Al Sagr National Insurance Co - FlexiDiamond - Option 1

Available in Dubai

Max. Annual Coverage

AED 500,000


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


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


Ambulance Coverage

Covered in Full

Hospital Cash Benefit

Up to AED 300 per day

Hospital Accomodation

Private Room

Parent Accomodation

Up to AED 200 per day



Covered up to age of 6 years on reimbursement basis

Psychiatric Treatment

Not Covered


Up to 7 sessions per condition for OP treatment

Alternative Medicine

Not Covered



Prescription Drugs

Not 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


Network Coverage

115 Hospitals
1101 Clinics
71 Laboratories
1537 Pharmacies
110 Dentals
125 Optics

Treatment Outside Area of Cover

Not Covered

Treatment Outside Network

80% of elective treatment cost covered subject to network rates on reimbursement basis


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



Dental Coverage

Not Covered

Accidental Damage to Teeth

Covered in Full