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HAYAH Insurance Company P.J.S.C. - HAYAH Care Protect GN+ (B) - 20% max AED 50 - 20% - 20%
Yearly Cover
AED 1,000,000.00
Deductible
20% co-pay with a maximum of AED 50 per OP consultation & 20% on Pharmacy & diagnostics
Coverage
Worldwide
Chronic Conditions
Covered; up to AED 150,000 (with pre-existing conditions)
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room
Hospital Cash Benefit
Up to AED 300 per night for a max of 10 nights
Parent Accomodation
Up to AED 450 per day
Out-Patient
Vaccination
Covered for children up to age of 6 years as per MOH
Physiotherapy
Covered up to a maximum of 15 out-patient visit with 20% co-insurance
Scans
Covered with 20% co-pay
Health Checks
Not Covered
Psychiatric Treatment
Up to AED 10,000 with 20% co-pay on out-patient treatment
Alternative Medicine
Up to AED 2,500 for Osteopathy, Chiropractic, Homeopathy, Acupuncture and Ayurveda with 20% co-pay
Prescription Drugs
Not Covered
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Network
Network Coverage
128 Hospitals
1259 Clinics
71 Laboratories
1710 Pharmacies
160 Dentals
123 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
80% of the reasonable & customary costs
Maternity
Pregnancy Cover
Up to AED 15,000 for normal delivery and up to AED 20,000 for medically necessary C-Section, termination and complications; covered 100% for out-patient maternity treatment (15 visits to PHC, 8 ultra scans); covered with 10% co-pay
Newborn Baby Cover
Covered for first 30 days from the date of birth under mother's policy
Natal Complications
Up to AED 20,000 (combined limit with medically necessary C-section & termination) & 10% co-pay
Dental
Dental Coverage
Up to AED 5,000 with 20% co-pay
Accidental Damage to Teeth
Not Covered