Allianz (Orient Insurance PJSC) - Dubai Premier Individual Gold worldwide ex USA - No co-pay - Dental 2
Yearly Cover
AED 38,535,000.00
Deductible
Nil Co-insurance
Coverage
Worldwide ex-USA
Chronic Conditions
Covered
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room with pre-authorization
Hospital Cash Benefit
Up to AED 771 per night (maximum 25 nights)
Parent Accomodation
Covered with pre-authorization
Out-Patient
Vaccination
Not Covered
Physiotherapy
Covered for out-patient treatment (maximum 12 visits for prescribed physiotherapy & 5 visits for non-prescribed physiotherapy per condition)
Scans
Covered; MRI, CT-PET & PET scans covered with preauthorization
Health Checks
Diabetes screening as per DHA & annual pap smear
Psychiatric Treatment
Covered with pre-authorization for in-patient treatment (including psychotherapy); covered for a maximum of 30 visists for out-patient treatment; covered after a waiting period of 10 months for in-patient treatment & 18 months waiting period for out-patient treatment
Alternative Medicine
Covered (maximum 12 sessions each for chiropractic and osteopathic treatment per medical condition)
Prescription Drugs
Not Covered
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Network
Network Coverage
162 Hospitals
1052 Clinics
67 Laboratories
1392 Pharmacies
100 Dentals
144 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
100% of covered cost subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered up to AED 44,040 per pregnancy with pre-authorization
Newborn Baby Cover
Covered for 30 days from birth with pre-authorization
Natal Complications
Covered; pre-authorization is required for non-emergency treatment
Dental
Dental Coverage
Up to AED 10,551 (for routine & orthodontic treatment) with 20% co-pay for routine dental & 50% co-pay for orthodontic treatment; covered on reimbursement basis
Accidental Damage to Teeth
Covered for emergency treatment & if treated within 24 hours