- Core HR
- Talent
- Payroll
- Finance
- Insurance Benefits
- Automation
- Bayzat AI
- By Company Size
- By Role
- By Industry
- By employee lifecycle
Yearly Cover
AED 1,500,000.00
Deductible
20% co-pay with a maximum of AED 50 per OP consultation & 20% co-pay on Pharmacy & diagnostics
Coverage
Worldwide
Chronic Conditions
Covered up to AED 150,000 (with pre-existing conditions)
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room with pre-authorization
Hospital Cash Benefit
Not Covered
Parent Accomodation
Covered up to AED 600 per night with pre-authorization
Out-Patient
Vaccination
Covered for children up to 6 years with pre-authorization
Physiotherapy
Covered with pre-authorization; up to a maximum of 15 sessions for out-patient treatment with 10% co-insurance
Scans
Covered; pre-authorization required for in-patient treatment & out-patient CT & MRI scans; 20% co-pay for out-patient treatment
Health Checks
Preventive services for diabetic screening covered once in 3 years from age 30 & for high risk individuals once a year from age 18
Psychiatric Treatment
Up to AED 10,000 with 20% co-pay on out-patient treatment
Alternative Medicine
Up to AED 1,600 for Osteopathy, Chiropractic, Homeopathy, Acupuncture, Ayurveda and Herbal Treatments (on reimbursement basis only)
Prescription Drugs
Not Covered
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Network
Network Coverage
48 Hospitals
472 Clinics
27 Laboratories
1403 Pharmacies
8 Dentals
0 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
For elective treatment 80% of covered cost (100% for South-East Asia) subject to 80% of the UAE network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered with 10% co-pay; up to AED 10,000 for normal delivery and AED 10,000 for medically essential C-section & complications; up to AED 150,000 in case of an emergency; preauthorization required for in-patient treatment
Newborn Baby Cover
Covered; baby born outside UAE covered after acquiring UAE residency status
Natal Complications
Covered with 10% co-pay; pre-authorization required for inpatient treatment
Dental
Dental Coverage
Up to AED 3,500 with pre-authorization & 20% co-pay on direct billing (additional 20% co-payment on reimbursement)
Accidental Damage to Teeth
Covered if treated within 3 months