Cigna (Zurich Insurance ME) - Healthguard Regional - 20% Max AED 100 co-pay with HC
Yearly Cover
AED 2,750,000.00
Deductible
20% Max AED 100 co-pay on all out-patient services
Coverage
Middle East & North Africa, South East Asia
Chronic Conditions
Covered; pre-authorization required for in-patient treatment (insurer will reduce the amount by 20% if prior approval is not obtained)
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Local road 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 400 per night (maximum 30 nights) with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Parent Accomodation
Up to AED 500 per night with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained)
Out-Patient
Vaccination
Covered 100% for children up to 17 years & up to AED 2,000 for adult vaccinations, with 20% (max AED 100) co-pay
Physiotherapy
Covered with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained); maximum 15 visits for out-patient treatment with 20% (max AED 100) co-pay
Scans
Covered with pre-authorization (insurer will reduce the amount by 20% if prior approval is not obtained); 20% (max AED 100) co-pay on out-patient treatment; covered up to AED 2,750 for genetic cancer screening, allergy testing & bone dentistometry
Health Checks
Diabetes screening as per DHA; up to AED 9,000 for well child tests; up to AED 9,000 for annual routine tests (eye & hearing) for children up to 15 years; 20% (max AED 100) co-pay; up to AED 1,500 for enhanced adult physical examination
Psychiatric Treatment
Covered 100% for emergency treatment & up to AED 5,500 for non-emergency treatment; 20% (max AED 100) co-insurance for out-patient 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 100% for osteopathy & chiropractic treatment (maximum 10 visits combined); up to AED 3,500 for acupuncture and up to AED 3,500 for ayurveda, homeopathy & chinese medicine; 20% (max AED 100) co-pay
Prescription Drugs
Not Covered
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Network
Network Coverage
145 Hospitals
1334 Clinics
81 Laboratories
1658 Pharmacies
167 Dentals
203 Optics
Treatment Outside Area of Cover
Covered for emergency treatment up to AED 180,000
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 8 visits to obstetrician); up to AED 7,000 for normal delivery or medically necessary C-section; up to AED 10,000 for caeserean (non life-threatening); covered with 10% co-insurance; 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 up to AED 150,000 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 up to AED 10,000 (combined limit with caeserean) 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
Up to AED 4,500 for preventive, routine and major restorative treatment with pre-authorization; 20% co-insurance with waiting period of 12 months for major restorative dental treatment (50% co-insurance if treatment is taken before completion of waiting period)
Accidental Damage to Teeth
Covered for emergency treatment