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Oman Insurance Company & Bupa Global - Elite Health Plan - Nil co-insurance

Oman Insurance Company & Bupa Global - Elite Health Plan - Nil co-insurance

Available in Dubai

Max. Annual Coverage

AED 18,717,000

Deductible

None; sub-limit of AED 249,560 for all out-patient benefits combined

Coverage

Worldwide

Chronic Conditions

Covered

Pre-Existing Conditions

Not Covered

In-Patient

Ambulance Coverage

Covered in Full

Hospital Cash Benefit

Not Covered

Hospital Accomodation

Standard Private Room; pre-authorization required for stays more than 5 days; Up to AED 62 per day for personal expenses on reimbursement basis only in the UAE

Parent Accomodation

Covered; pre-authorization required for stays more than 5 days

Out-Patient

Vaccination

Covered in full for newborns from age 31 days and for children up to age of 6 years & up to AED 6,239 thereafter; covers vaccinations for national childhood immunisation programme, HPV & influenza vaccination, travel vaccinations, anti-malarial medicines & pneumococcal vaccinations

Psychiatric Treatment

Covered in case of medical emergency for out-patient treatment; in-patient treatment covered on reimbursement basis only in the UAE & with pre-authorization for stays of 5 days and above

Physiotherapy

Covered for out-patient treatment up to a maximum of 60 consultations (in aggregate with osteopaths, chiropractors, footcare specialists, occupational therapist, orthoptist, acupuncturists & reflexologists); covered in full for in-patient treatment

Alternative Medicine

Covered for osteopaths, chiropractors, acupuncturists, reflexologists with maximum 60 consultations in aggregate with physiotherapists, footcare specialists, occupational therapists & orthoptists; Maximum 20 consultations with homeopaths, naturopaths & Chinese medicine practitioners

Scans

Covered

Prescription Drugs

Not Covered

Health Checks

Health screening & Wellness (routine health check tests, screening tests for breast, cervical, prostate, colorectal cancer or bone densitometry) covered up to AED 6,239 on reimbursement basis only in the UAE, with a waiting period of 10 months; Diabetes screening covered once every year from age 18

Network

Network Coverage

123 Hospitals
989 Clinics
71 Laboratories
1537 Pharmacies
66 Dentals
0 Optics

Treatment Outside Area of Cover

Not Covered

Treatment Outside Network

Covered on reimbursement basis

Maternity

Pregnancy Cover

Up to AED 62,390 for normal delivery and AED 124,780 for medically essential C-section; 10 month waiting period outside the UAE; pre-authorization required for out-patient treatment in Dubai

Newborn Baby Cover

Covered for 30 days from birth

Natal Complications

Covered with pre-authorization; 10 month waiting period outside the UAE

Dental

Dental Coverage

Preventive (includes 2 visits every year), routine & major restorative dental covered in full, with waiting period of 6 months for all dental treatments; Orthodontics covered up to the age of 19, on reimbursement basis only in the UAE, with waiting period of 12 months; Combined limit of up to AED 15,414 for all out-patient dental, hearing aids & optical benefits

Accidental Damage to Teeth

Covered in full for in-patient treatment; Up to AED 15,414 (combined limit for all out-patient dental, hearing aids & optical benefit) for out-patient treatment, if treated within 3 days