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Allianz (Orient Insurance PJSC) - Dubai Select Individual Pearl worldwide exUSA - 10% co-pay - Dental 2

Allianz (Orient Insurance PJSC) - Dubai Select Individual Pearl worldwide exUSA - 10% co-pay - Dental 2

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

Max. Annual Coverage

AED 3,890,200

Deductible

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

Coverage

Worldwide ex-USA

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

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

Physiotherapy

Covered up to AED 5,138 for out-patient treatment with (maximum 12 sessions per condition) 10% co-pay

Alternative Medicine

Covered up to AED 5,138 (maximum 12 sessions each for chiropractic and osteopathic treatment per medical condition)

Scans

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

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

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-apy 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