Morgan Price (National Takaful Company PSC - Watania) - Silver - Area 1 - No Opt & Den - AED 50 ded
Yearly Cover
AED 5,920,000.00
Deductible
20% co-pay with a maximum of AED 50
Coverage
Middle East & North Africa, South East Asia
Chronic Conditions
Covered up to AED 150,000 with 20% co-pay on in-patient treatment up to AED 500 per condition, maximum AED 1,000 per year (combined limit with pre-existing conditions); 6 month waiting period (excluding emergency treatment) for new members
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered with pre-authorization
Hospital Accomodation
Standard Single Room with pre-authorization; up to AED 1,850 outside the UAE
Hospital Cash Benefit
Up to AED 463 for a maximum of 10 nights
Parent Accomodation
Up to AED 100 per day with pre-authorization
Out-Patient
Vaccination
Covered for children up to age of 10 years on reimbursement basis & only in Government hospitals; up to AED 925 for travel vaccinations (with cancer & diabetes screening)
Physiotherapy
Covered in full for in-patient treatment with pre-authorization; up to 6 sessions per condition for out-patient treatment
Scans
Covered; pre-authorization required for in-patient treatment
Health Checks
Up to AED 925 for cancer screening & diabetes screening (with travel vaccinations)
Psychiatric Treatment
Up to AED 66,000 for in-patient treatment (maximum 30 nights); covered with a waiting period of 12 months & pre-authorization
Alternative Medicine
Up to AED 3,700
Prescription Drugs
Not Covered
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Network
Network Coverage
122 Hospitals
936 Clinics
70 Laboratories
1390 Pharmacies
67 Dentals
141 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
100% of covered cost subject to network rates and on reimbursement basis; American Hospital Group excluded completely
Maternity
Pregnancy Cover
Up to AED 25,900 for routine maternity & childbirth; covered in full for complications of pregnancy (including medically necessary C-section); covered with pre-authorization
Newborn Baby Cover
Covered for 30 days from birth; up to AED 740 for the initial paediatric check-up; premature baby cover for the first 2 months from birth
Natal Complications
Covered with pre-authorization
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Covered in full for in-patient treatment