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Allianz (Orient Insurance PJSC) - Dubai Select Individual Pearl worldwide ex USA - 10% co-pay - No dental

Allianz (Orient Insurance PJSC) - Dubai Select Individual Pearl worldwide ex USA - 10% co-pay - No dental

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

Max. Annual Coverage

AED 3,890,200


10% co-pay on all out-patient services; sub-limit of AED 187,170 for all out-patient benefits combined


Worldwide ex-USA

Chronic Conditions


Pre-Existing Conditions

Not Covered


Ambulance Coverage


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



Covered for children up to 6 years with 10% co-pay

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


Covered up to AED 5,138 for out-patient treatment (maximum 12 visits for prescribed physiotherapy & 5 visits for non-prescribed physiotherapy per condition) with 10% co-pay

Alternative Medicine

Covered up to AED 5,138 (maximum 12 sessions each for chiropractic and osteopathic treatment per medical condition) with 10% co-pay


Covered; MRI, CT-PET & PET scans covered with preauthorization; 10% co-pay for out-patient treatment

Prescription Drugs

Not Covered

Health Checks

Diabetes screening as per DHA; annual pap smear; 10% co-pay


Network Coverage

112 Hospitals
1046 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


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 Coverage

Not Covered

Accidental Damage to Teeth

Covered for emergency treatment & if treated within 24 hours