Gulf Insurance Group (Gulf) B.S.C Closed - Smart Health Gold
Yearly Cover
AED 500,000.00
Deductible
10% co-pay on all out-patient services
Coverage
GCC
Chronic Conditions
Covered up to AED 150,000 within the UAE (with pre-existing conditions), and up to AED 2,500 outside the UAE
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room with pre-authorization
Hospital Cash Benefit
Up to AED 500 per night
Parent Accomodation
Up to AED 500 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 500
Psychiatric Treatment
Up to AED 5,000 with 30% co-pay
Alternative Medicine
Up to AED 3,000
Prescription Drugs
Not Covered
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Network
Network Coverage
115 Hospitals
634 Clinics
40 Laboratories
1517 Pharmacies
86 Dentals
202 Optics
Treatment Outside Area of Cover
Up to AED 50,000 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 15,000 for normal delivery and medically necessary c-section
Natal Complications
Covered
Dental
Dental Coverage
Up to AED 1,000 with 20% co-pay
Accidental Damage to Teeth
Covered with pre-authorization