Allianz (Orient Insurance PJSC) - Dubai Select Individual Pearl worldwide incl USA - No co-pay - No dental
Yearly Cover
AED 3,890,200.00
Deductible
Nil Co-insurance; sub-limit of AED 187,170 for all out-patient benefits combined
Coverage
Worldwide
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
Covered for children up to 6 years
Physiotherapy
Covered up to AED 5,138 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 up to AED 51,380 for in-patient treatment (including psychotherapy) with pre-authorization; covered after a waiting period of 10 months
Alternative Medicine
Covered up to AED 5,138 (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 10,093 per pregnancy with pre-authorization
Newborn Baby Cover
Covered for 30 days from birth with pre-authorization
Natal Complications
Covered up to AED 41,471 for non-emergency treatment with pre-authorization; up to AED 157,810 for emergency treatment
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Covered for emergency treatment & if treated within 24 hours