Medgulf - The Mediterranean & Gulf Insurance & Reinsurance Co. B.S.C. (C) - DXB & NE Plan 5 Nextcare RN3 Nil co-pay
Yearly Cover
AED 1,000,000.00
Deductible
Nil co-pay
Coverage
Worldwide
Chronic Conditions
Covered up to AED 150,000 (with pre-existing conditions); 6 month waiting period for new members except those who are under continuous cover
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room
Hospital Cash Benefit
Up to AED 200 per night for a max of 10 nights
Parent Accomodation
Up to AED 150 per day
Out-Patient
Vaccination
Covered for children up to age of 6 years
Physiotherapy
Covered up to 8 sessions per condition for out-patient treatment with pre-authorization
Scans
Covered
Health Checks
Diabetes screening as per DHA
Psychiatric Treatment
Up to AED 10,000 with 10% co-insurance
Alternative Medicine
Up to AED 2,500 for Osteopathy, Chiropractic, Homeopathy and Ayurveda on reimbursement basis; 20% co-insurance
Prescription Drugs
Not Covered
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Network
Network Coverage
46 Hospitals
588 Clinics
42 Laboratories
1226 Pharmacies
8 Dentals
1 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
80% of the reasonable actual costs or 80% of the reasonable & customary costs of the medical network, whichever is less on reimbursement basis
Maternity
Pregnancy Cover
Covered 100% for out-patient maternity treatment (10 visits to PHC, 4 ultra scans); up to AED 10,000 for in-patient treatment & covered 100% in case of an emergency; 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 10,000 (combined limit with delivery, medically necessary C-section & termination) & 10% co-pay
Dental
Dental Coverage
Not Covered