Gulf Insurance Group (Gulf) B.S.C Closed - Smart Health Gold - AUH
Yearly Cover
AED 500,000.00
Deductible
AED 50 deductible on all out-patient services
Coverage
GCC
Chronic Conditions
Covered up to AED 250,000 within the Emirate of Abu Dhabi (up to AED 2,500 outside the Emirate of Abu Dhabi 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 500 per night
Parent Accomodation
Up to AED 500 per night
Out-Patient
Vaccination
Covered up to AED 1,000 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; AED 50 deductible 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 AED 50 deductible on out-patient maternity treatment; up to AED 250,000 for normal delivery within the Emirate of Abu Dhabi; up to AED 15,000 for normal delivery and medically necessary c-section outside the Emirate of Abh Dhabi (covered after a waiting period of 12 months); preauthorization required for in-patient treatment
Natal Complications
Covered; waiting period of 12 months outside the Emirate of Abu Dhabi
Dental
Dental Coverage
Up to AED 1,000 with 20% co-pay
Accidental Damage to Teeth
Covered with pre-authorization