Abu Dhabi National Insurance Co - Shifa Gold - Option 12
Yearly Cover
AED 2,000,000.00
Deductible
AED 30 per consultation (maternity, dental and any service subject to consultation)
Coverage
Worldwide ex-North America
Chronic Conditions
Covered
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered in Full
Hospital Accomodation
Covered in full for a private room; outside the network only up to AED 1,500 per day
Hospital Cash Benefit
Up to AED 250 per night for a max of 15 nights
Parent Accomodation
Up to AED 750 per day
Out-Patient
Vaccination
Covered for children up to age of 6 years and adults
Physiotherapy
Covered with pre-authorization
Scans
Covered
Health Checks
Up to AED 1,000 each once a year for routine health check & breast cancer and prostate cancer screening
Psychiatric Treatment
Up to AED 10,000
Alternative Medicine
Up to AED 7,500
Prescription Drugs
Not Covered
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Network
Network Coverage
168 Hospitals
1147 Clinics
77 Laboratories
1503 Pharmacies
239 Dentals
12 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
For elective treatment 80% of covered cost subject to network rates and on reimbursement basis
Maternity
Pregnancy Cover
Covered in full; outside the network only up to AED 30,000 with 20% co-insurance
Natal Complications
Covered
Dental
Dental Coverage
Up to AED 5,000 each for both routine and major dental care; 20% co-pay for routine and 50% co-pay for major dental care
Accidental Damage to Teeth
Covered if treated within 72 hours