Cigna (Zurich Insurance ME) - Healthguard International Plus - Worldwide ex USA
Yearly Cover
AED 100,000,000.00
Deductible
Nil Co-insurance
Coverage
Worldwide ex-USA
Chronic Conditions
Up to AED 150,000 (with pre-existing conditions) within the UAE & up to AED 5,000 (with pre-existing conditions) outside the UAE; pre-authorization required for in-patient treatment (insurer will reduce the amount by 20% if prior approval is not obtained); 6 months waiting period (excluding emergency treatment); waiting period in the UAE waived for members who have been previously insured
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Local road & air ambulance covered with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Hospital Accomodation
Standard Private Room with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Hospital Cash Benefit
Up to AED 900 per night (maximum 30 nights) with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Parent Accomodation
Covered with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Out-Patient
Vaccination
Covered
Physiotherapy
Covered with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Scans
Covered with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Health Checks
Diabetes screening as per DHA; covered 100% for well child tests; annual routine tests (eye & hearing) for children up to 15 years covered 100%
Psychiatric Treatment
Covered 100% for emergency treatment & up to AED 7,500 for non-emergency treatment; pre-authorization required for in-patient non-emergency treatment (insurer will reduce the amount by 20% if prior approval is not obtained)
Alternative Medicine
Covered
Prescription Drugs
Not Covered
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Network
Network Coverage
144 Hospitals
1334 Clinics
81 Laboratories
1658 Pharmacies
167 Dentals
203 Optics
Treatment Outside Area of Cover
Covered for emergency treatment up to AED 500,000
Treatment Outside Network
100% of covered non-emergency costs (80% within the UAE) subject to network rates on reimbursement basis; 100% of emergency costs on reimbursement basis
Maternity
Pregnancy Cover
Covered 100% for out-patient maternity (maximum 12 visits to obstetrician); up to AED 51,500 for normal delivery or up to AED 73,500 for medically necessary C-section; covered with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained); waiting period of 12 months for treatment outside the UAE
Newborn Baby Cover
Covered for 30 days from birth (including congenital or other defects) with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Natal Complications
Covered with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained); waiting period of 12 months for treatment outside the UAE
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Covered for emergency treatment