Hanse Merkur (Emirates Insurance) - GlobalCare Prestige
Yearly Cover
AED 100,000,000.00
Deductible
20% co-pay with a maximum of AED 50 per OP consultation
Coverage
Worldwide ex-USA
Chronic Conditions
Covered
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room with pre-authorization; 50% co-pay if pre-authorization not taken
Hospital Cash Benefit
Up to AED 300 per night for a maximum of 28 nights
Parent Accomodation
Covered
Out-Patient
Vaccination
Covered for children up to age of 6 years as per MOH
Physiotherapy
Covered up to a maximum of 10 out-patient visit
Scans
Covered
Health Checks
Diabetes screening as per DHA; annual pap smear; wellness up to AED 1,800 (with vaccinations) for adults, with 10% co-pay
Psychiatric Treatment
Covered up to a maximum of 20 nights
Alternative Medicine
Up to AED 5,000 (combined limit with rehabilitation & preventive check up)
Prescription Drugs
Not Covered
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Network
Network Coverage
134 Hospitals
1298 Clinics
80 Laboratories
1706 Pharmacies
172 Dentals
212 Optics
Treatment Outside Area of Cover
Covered Worldwide for emergency treatment
Treatment Outside Network
100% of actual covered cost on reimbursement basis
Maternity
Pregnancy Cover
Up to AED 18,000 each for normal delivery, medically necessary C-section, complications & medically necessary termination; covered 100% for out-patient maternity treatment (8 visits to PHC, 3 ultra scans); Covered 100% for emergency treatment
Newborn Baby Cover
Covered for 30 days from birth
Natal Complications
Covered up to AED 18,000 (combined limit with delivery & medically necessary C-section)
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Covered if treated within 72 hours of an accident