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Dubai National Insurance & Reinsurance Co P.S.C. (DNIRC) - Family Care Gold

Dubai National Insurance & Reinsurance Co P.S.C. (DNIRC) - Family Care Gold

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

Max. Annual Coverage

AED 1,000,000


20% co-pay with a maximum of AED 50 per OP consultation



Chronic Conditions

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

Pre-Existing Conditions

Not Covered


Ambulance Coverage

Covered for in-patient treatment with pre-authorization

Hospital Cash Benefit

Not Covered

Hospital Accomodation

Private Room with pre-authorization

Parent Accomodation

Covered with pre-authorization



Covered for children up to 6 years with pre-authorization

Psychiatric Treatment

Covered for emergency mental health treatments


Covered with pre-authorization; up to 15 sessions for out-patient treatment

Alternative Medicine

Up to AED 1,600 on reimbursement basis


Covered; pre-authorization required for in-patient treatment

Prescription Drugs

Not Covered

Health Checks

Diabetes screening covered once every year for members over 18 years


Network Coverage

147 Hospitals
1022 Clinics
69 Laboratories
1516 Pharmacies
10 Dentals
0 Optics

Treatment Outside Area of Cover

Not Covered

Treatment Outside Network

For elective treatment 80% of covered cost (100% for South-East Asia) subject to network rates on reimbursement basis


Pregnancy Cover

Covered with 10% co-pay on out-patient maternity treatment; up to AED 10,000 for normal delivery and up to AED 10,000 for medically essential C-section & complications; preauthorization required for in-patient treatment

Newborn Baby Cover

Covered up to AED 150,000 for 30 days from birth; preauthorization required for in-patient treatment

Natal Complications

Covered with 10% co-pay; pre-authorization required for inpatient treatment


Dental Coverage

Up to AED 3,500 with pre-authorization & 20% co-pay on direct billing (additional 20% co-payment on reimbursement)

Accidental Damage to Teeth

Covered if treated within 3 months