Morgan Price (National Takaful Company PSC - Watania) - Gold - Area 2 - No Opt & Den - AED 50 ded

Morgan Price (National Takaful Company PSC - Watania)
Yearly Cover
AED 9,990,000.00
Deductible
20% co-pay with a maximum of AED 50
Coverage
Worldwide ex-USA
Chronic Conditions
Covered up to AED 199,800 (with pre-existing conditions); 6 month waiting period (excluding emergency treatment) for new members
Pre-Existing Conditions
Not Covered

In-Patient

Ambulance Coverage
Covered with pre-authorization
Hospital Accomodation
Standard Single Room with pre-authorization
Hospital Cash Benefit
Up to AED 1,332 for a maximum of 10 nights
Parent Accomodation
Up to AED 100 per day with pre-authorization

Out-Patient

Vaccination
Covered for children up to age of 10 years on reimbursement basis & only in Government hospitals; up to AED 666 for travel vaccinations
Physiotherapy
Covered; pre-authorization required for in-patient treatment
Scans
Covered; pre-authorization required for in-patient treatment
Health Checks
Up to AED 1,332 for cancer screening & diabetes screening
Psychiatric Treatment
Up to AED 99,900 for in-patient treatment (maximum 30 nights); up to 30 visits for out-patient treatment; covered with a waiting period of 12 months & pre-authorization
Alternative Medicine
Up to AED 13,320
Prescription Drugs
Not Covered
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Network
Network Coverage
121 Hospitals
937 Clinics
70 Laboratories
1390 Pharmacies
67 Dentals
141 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
100% of covered cost subject to network rates and on reimbursement basis; American Hospital Group excluded completely
Maternity
Pregnancy Cover
Up to AED 66,600 for routine maternity & childbirth; covered in full for complications of pregnancy (including medically necessary C-section); covered with pre-authorization
Newborn Baby Cover
Covered for 30 days from birth; up to AED 1,332 for the initial paediatric check-up; premature baby cover for the first 2 months from birth
Natal Complications
Covered with pre-authorization
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Covered in full for in-patient treatment