Hayah Insurance Company P.J.S.C - Hayah Tier 4

Hayah Insurance Company P.J.S.C
Yearly Cover
AED 7,500,000.00
Deductible
20% co-pay or AED 50 per OP consultation
Coverage
Worldwide ex-North America
Chronic Conditions
Covered; combined limit outside UAE up to AED 5,000 with pre-existing 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
Up to AED 250 per night for a maximum of 10 days
Parent Accomodation
Up to AED 500 per day

Out-Patient

Vaccination
Covered for children up to age of 6 years as per MOH
Physiotherapy
Covered up to a maximum of 20 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 21
Psychiatric Treatment
Covered up to AED 2,000 with 20% co-insurance
Alternative Medicine
Covered up to AED 5,000 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
129 Hospitals
1299 Clinics
69 Laboratories
1971 Pharmacies
197 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 25,000 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