April (Salama Islamic Arab Insurance Co. (P.S.C.)) - Essential-Essential worldwide Ex USA - Premium
Yearly Cover
AED 3,670,000.00
Deductible
None
Coverage
Worldwide ex-USA
Chronic Conditions
Covered up to AED 150,470 (with pre-existing conditions)
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Standard Private Room
Hospital Cash Benefit
Up to AED 734 per night for a max of 30 nights
Parent Accomodation
Not Covered
Out-Patient
Vaccination
Covered for children up to age of 6 years
Physiotherapy
Covered up to AED 5,505 with a maximum of 6 sessions for out-patient treatment
Scans
Covered
Health Checks
Preventive services for diabetic screening covered once in 3 years from age 30 & for high risk individuals once a year from age 18; Hepatitis B & C screening; cancer screening
Psychiatric Treatment
Up to AED 11,010
Alternative Medicine
Up to AED 3,670 for alternate medicine & traditional Chinese medicine (up to AED 367 per visit maximum one consultation per day for tradiitional chinese medicine)
Prescription Drugs
Not Covered
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Network
Network Coverage
166 Hospitals
1111 Clinics
74 Laboratories
1947 Pharmacies
24 Dentals
0 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
100% of the treatment cost
Maternity
Pregnancy Cover
Up to AED 10,093 for normal delivery, medically necessary C-section, complications & medically necessary termination; covered 100% for out-patient maternity treatment
Newborn Baby Cover
Covered for 30 days from birth under mother’s annual limit
Natal Complications
Up to AED 10,093 (combined limit with medically necessary C-section & termination)
Dental
Dental Coverage
Covered up to AED 1,101 for minor dental treatment & up to AED 3,670 for major dental treatment including orthodontic treatment (with 10 months waiting period)
Accidental Damage to Teeth
Covered if treated within 14 days of accident