Allianz (Orient Insurance PJSC) - Dubai Select Individual Silver worldwide ex USA - No co-pay - Dental 2
Yearly Cover
AED 3,890,200.00
Deductible
Nil Co-insurance; 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
Physiotherapy
Covered for out-patient treatment (maximum 12 visits for prescribed physiotherapy & 5 visits for non-prescribed physiotherapy per condition)
Scans
Covered; MRI, CT-PET & PET scans covered with preauthorization
Health Checks
Diabetes screening as per DHA & annual pap smear
Psychiatric Treatment
Covered up to AED 51,380 for in-patient treatment (including psychotherapy) with pre-authorization; covered after a waiting period of 10 months for in-patient treatment & 18 months waiting period for out-patient treatment
Alternative Medicine
Covered (maximum 12 sessions each for chiropractic and osteopathic treatment per medical condition)
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 AED 51,380
Treatment Outside Network
100% of covered cost subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered up to AED 10,093 per pregnancy with pre-authorization
Newborn Baby Cover
Covered for 30 days from birth with pre-authorization
Natal Complications
Covered up to AED 41,471 for non-emergency treatment with pre-authorization; up to AED 157,810 for emergency treatment
Dental
Dental Coverage
Up to AED 10,551 (for routine & orthodontic treatment) with 20% co-pay for routine dental & 50% co-pay for orthodontic treatment; covered on reimbursement basis
Accidental Damage to Teeth
Covered for emergency treatment & if treated within 24 hours