Hayah Insurance Company P.J.S.C - Hayah Tier 2
Yearly Cover
AED 1,000,000.00
Deductible
20% co-pay or AED 50 per OP consultation
Coverage
GCC
Chronic Conditions
Up to AED 150,000 (with chronic conditions); Covered after 6 month waiting period for new members
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room
Hospital Cash Benefit
Not Covered
Parent Accomodation
Up to AED 250 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 10% co-insurance
Health Checks
Preventive services for diabetic screening covered once in 3 years from age 30 & for high risk individuals once a year from age 19
Psychiatric Treatment
Covered up to AED 1,000 with 20% co-insurance
Alternative Medicine
Covered up to AED 3,000 for Osteopathy, Chiropractic, Homeopathy, Accupuncture, Acupressure, Ayurveda and Herbal Treatment with 10% co-insurance
Prescription Drugs
Not Covered
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Network
Network Coverage
132 Hospitals
1266 Clinics
69 Laboratories
1968 Pharmacies
183 Dentals
155 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
100% of covered cost subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered up to AED 15,000 with 10% co-insurance; covered after a waiting period of 280 days
Newborn Baby Cover
Covered for 30 days from birth
Natal Complications
Covered
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Not Covered