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Dubai National Insurance & Reinsurance Co P.S.C. (DNIRC) - DNIRC Nextcare Diamond

Dubai National Insurance & Reinsurance Co P.S.C. (DNIRC) - DNIRC Nextcare Diamond

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

Max. Annual Coverage

AED 750,000

Deductible

20% co-pay or AED 50 per consultation, whichever is lower

Coverage

South East Asia , Middle East & North Africa

Chronic Conditions

Covered up to AED 150,000 (with pre-existing conditions)

Pre-Existing Conditions

Not Covered

In-Patient

Ambulance Coverage

Covered in Full

Hospital Cash Benefit

Up to AED 300 per day

Hospital Accomodation

Private Room

Parent Accomodation

Up to AED 200 per day

Out-Patient

Vaccination

Covered for children up to age of 6 years

Psychiatric Treatment

Not Covered

Physiotherapy

Up to 7 sessions per condition per year

Alternative Medicine

Not Covered

Scans

Covered

Prescription Drugs

Not Covered

Health Checks

Not Covered

Network

Network Coverage

113 Hospitals
1074 Clinics
69 Laboratories
1492 Pharmacies
109 Dentals
122 Optics

Treatment Outside Area of Cover

Not Covered

Treatment Outside Network

80% of elective cost covered subject to network rates on reimbursement basis

Maternity

Pregnancy Cover

Covered with 10% co-pay on all maternity treatment; up to AED 15,000 for normal delivery and AED 15,000 for medically essential C-section, complications & medically necessary termination

Newborn Baby Cover

Covered

Natal Complications

Covered with 10% co-pay

Dental

Dental Coverage

Not Covered

Accidental Damage to Teeth

Covered