HAYAH Insurance Company P.J.S.C. - Hayah Tier 5
Yearly Cover
AED 2,000,000.00
Deductible
20% co-pay or AED 50 per OP consultation
Coverage
Worldwide ex-USA
Chronic Conditions
Up to AED 150,000 (with pre-existing conditions); Covered after 6 month waiting period for new members
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room
Hospital Cash Benefit
Up to AED 250 per night for a maximum of 10 days
Parent Accomodation
Up to AED 100 per day
Out-Patient
Vaccination
Covered for children up to age of 6 years as per MOH
Physiotherapy
Covered up to a maximum of 20 out-patient visit with 20% co-insurance
Scans
Covered with 10% co-insurance
Health Checks
Preventive services for diabetic screening covered once in 3 years from age 30 & for high risk individuals once a year from age 21
Psychiatric Treatment
Covered up to AED 2,000 with 20% co-insurance
Alternative Medicine
Covered up to AED 2,000 for Osteopathy, Chiropractic, Homeopathy, Accupuncture, Acupressure, Ayurveda and Herbal Treatment with 10% co-insurance
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
100% of covered cost subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered up to AED 15,000 with 10% co-insurance; emergency treatment is covered up to AED 150,000; covered after a waiting period of 40 days
Newborn Baby Cover
Covered for 30 days from birth
Natal Complications
Covered
Dental
Dental Coverage
Up to AED 3,000 with 20% co-insurance
Accidental Damage to Teeth
Not Covered