Dubai National Insurance & Reinsurance Co P.S.C. (DNIRC) - Family Care Gold
Yearly Cover
AED 1,000,000.00
Deductible
20% co-pay with a maximum of AED 50 per OP consultation
Coverage
Worldwide
Chronic Conditions
Covered up to AED 150,000 (with pre-existing conditions)
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered for in-patient treatment with pre-authorization
Hospital Accomodation
Private Room with pre-authorization
Hospital Cash Benefit
Not Covered
Parent Accomodation
Covered with pre-authorization
Out-Patient
Vaccination
Covered for children up to 6 years with pre-authorization
Physiotherapy
Covered with pre-authorization; up to 15 sessions for out-patient treatment
Scans
Covered; pre-authorization required for in-patient treatment
Health Checks
Diabetes screening covered once every year for members over 18 years
Psychiatric Treatment
Not Covered
Alternative Medicine
Up to AED 1,600 on reimbursement basis
Prescription Drugs
Not Covered
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Network
Network Coverage
156 Hospitals
1089 Clinics
66 Laboratories
1799 Pharmacies
16 Dentals
0 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
For elective treatment 80% of covered cost (100% for South-East Asia) subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered with 10% co-pay on out-patient maternity treatment; up to AED 10,000 for normal delivery and up to AED 10,000 for medically essential C-section & complications; preauthorization required for in-patient treatment
Newborn Baby Cover
Covered up to AED 150,000 for 30 days from birth; preauthorization required for in-patient treatment
Natal Complications
Covered with 10% co-pay; pre-authorization required for inpatient treatment
Dental
Dental Coverage
Up to AED 3,500 with pre-authorization & 20% co-pay on direct billing (additional 20% co-payment on reimbursement)
Accidental Damage to Teeth
Covered if treated within 3 months