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Allianz (Orient Insurance PJSC) - Dubai Premier Individual Gold worldwide incl USA - No co-pay - Dental 2

Allianz (Orient Insurance PJSC) - Dubai Premier Individual Gold worldwide incl USA - No co-pay - Dental 2

Available in Dubai , Umm Al Quwain , Fujairah , Sharjah , Ras Al Khaimah , Ajman

Max. Annual Coverage

AED 38,535,000

Deductible

Nil

Coverage

Worldwide

Chronic Conditions

Covered

Pre-Existing Conditions

Not Covered

In-Patient

Ambulance Coverage

Covered

Hospital Cash Benefit

Up to AED 771 per night (maximum 25 nights)

Hospital Accomodation

Private Room with pre-authorization

Parent Accomodation

Covered with pre-authorization

Out-Patient

Vaccination

Not Covered

Psychiatric Treatment

Covered with pre-authorization for in-patient treatment (including psychotherapy); covered for a maximum of 30 visists for out-patient treatment; covered after a waiting period of 10 months for in-patient treatment & 18 months waiting period for out-patient treatment

Physiotherapy

Covered for out-patient treatment (maximum 12 visits for prescribed physiotherapy & 5 visits for non-prescribed physiotherapy per condition)

Alternative Medicine

Covered (maximum 12 sessions each for chiropractic and osteopathic treatment per medical condition)

Scans

Covered; MRI, CT-PET & PET scans covered with preauthorization

Prescription Drugs

Not Covered

Health Checks

Diabetes screening as per DHA & annual pap smear

Network

Network Coverage

112 Hospitals
1046 Clinics
67 Laboratories
1392 Pharmacies
100 Dentals
144 Optics

Treatment Outside Area of Cover

Not Covered

Treatment Outside Network

100% of covered cost subject to network rates on reimbursement basis

Maternity

Pregnancy Cover

Covered up to AED 44,040 per pregnancy with pre-authorization

Newborn Baby Cover

Covered for 30 days from birth with pre-authorization

Natal Complications

Covered; pre-authorization is required for non-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