Allianz (Orient Insurance PJSC) - Dubai Elite Individual Silver worldwide ex USA - 20% co-pay - No dental
Yearly Cover
AED 38,535,000.00
Deductible
20% co-pay up to maximum AED 103 on all out-patient services; sub-limit of AED 226,439 for all out-patient benefits combined
Coverage
Worldwide ex-USA
Chronic Conditions
Covered
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room with pre-authorization
Hospital Cash Benefit
Up to AED 771 per night (maximum 25 nights)
Parent Accomodation
Covered with pre-authorization
Out-Patient
Vaccination
Covered for children up to 6 years with 20% co-pay
Physiotherapy
Covered for out-patient treatment (maximum 12 visits for prescribed physiotherapy & 5 visits for non-prescribed physiotherapy per condition) with 20% co-pay
Scans
Covered; MRI, CT-PET & PET scans covered with preauthorization; 20% co-pay for out-patient treatment
Health Checks
Diabetes screening as per DHA; annual pap smear; 20% co-pay
Psychiatric Treatment
Covered with pre-authorization; covered for a maximum of 20 visits for out-patient treatment
Alternative Medicine
Covered up to AED 3,120 for ayurvedic treatment; chiropractic, osteopathy, homeopathy, Chinese herbal medicine, acupuncture and podiatry is covered (maximum 12 sessions each for chiropractic and osteopathic treatment per medical condition) with 20% co-pay
Prescription Drugs
Not Covered
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Network
Network Coverage
114 Hospitals
1047 Clinics
67 Laboratories
1392 Pharmacies
100 Dentals
144 Optics
Treatment Outside Area of Cover
Covered for emergency treatment up to 42 days
Treatment Outside Network
100% of covered cost subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered up to AED 10,093 each for per pregnancy with pre-authorization; covereed with 10% co-pay
Newborn Baby Cover
Covered for 30 days from birth with pre-authorization
Natal Complications
Covered up to AED 10,093 for non-emergency treatment with pre-authorization; covereed in full for emergency treatment
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Covered for emergency treatment & if treated within 24 hours