Gulf Insurance Group (Gulf) B.S.C Closed - Smart Health Global
Yearly Cover
AED 7,500,000.00
Deductible
10% co-pay on all out-patient services
Coverage
Worldwide ex-USA
Chronic Conditions
Covered (up to AED 5,000 outside the UAE with pre-existing conditions)
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room with pre-authorization
Hospital Cash Benefit
Up to AED 1,000 per night
Parent Accomodation
Up to AED 1,000 per night
Out-Patient
Vaccination
Covered for children up to age of 6 years
Physiotherapy
Covered; covered for a maximum of 5 out-patient visit with pre-authorization
Scans
Covered; MRI, CT, PET scans & Gait scans covered with preauthorization; 10% copay on out-patient treatment
Health Checks
Up to AED 3,000
Psychiatric Treatment
Up to AED 15,000 with 30% co-pay
Alternative Medicine
Up to AED 5,000
Prescription Drugs
Not Covered
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Network
Network Coverage
143 Hospitals
857 Clinics
46 Laboratories
1517 Pharmacies
114 Dentals
202 Optics
Treatment Outside Area of Cover
Up to AED 750,000 worldwide
Treatment Outside Network
Covered subject to network rates with direct billing where possible
Maternity
Pregnancy Cover
Covered with 10% co-pay on out-patient maternity treatment; up to AED 25,000 for normal delivery and medically necessary c-section; preauthorization required for in-patient treatment
Natal Complications
Covered
Dental
Dental Coverage
Up to AED 4,000 with 20% co-pay
Accidental Damage to Teeth
Covered with pre-authorization