National Health Insurance Co (Daman) - Premier DNE
Yearly Cover
AED 20,000,000.00
Deductible
Nil Co-insurance
Coverage
Worldwide
Chronic Conditions
Covered
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Private Room (Standard Suite) with pre-authorization
Hospital Cash Benefit
Up to AED 500 per day (max 60 days) on reimbursement basis
Parent Accomodation
Up to AED 5000 per day with pre-authorization
Out-Patient
Vaccination
Covered for children up to 6 years as per DHA on reimbursement basis
Physiotherapy
Covered with pre-authorization
Scans
Covered; pre-authorization required for in-patient scans
Health Checks
Diabetes screening as per DHA & an annual check-up (maximum AED 2,000), on reimbursement basis; Covered with pre-authorization: annual breast cancer screening (females above 35); annual prostate cancer screening (males above 45); colorectal cancer screening once every 2 years for FIT & once every 10 years for colonoscopy (males & females above 50); annual health check-up for a claim free year on renewal of policy
Psychiatric Treatment
Up to AED 3,500 on reimbursement basis for out-patient treatment
Alternative Medicine
Up to AED 5,000 for alternative medicine & up to AED 220 per visit (maximum 18 sessions) for chiropractic treatment, on reimbursement basis
Prescription Drugs
Not Covered
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Network
Network Coverage
162 Hospitals
1147 Clinics
49 Laboratories
1118 Pharmacies
238 Dentals
0 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
100% of covered non-emergency cost subject to network rates on reimbursement basis; 100% of emergency cost on reimbursement basis
Maternity
Pregnancy Cover
Covered up to AED 75,000 for all maternity benefits; pre-authorization required for in-patient treatment
Newborn Baby Cover
Newborn care & newborn accommodation covered; birth defects & congenital conditions covered 100% within the UAE & up to AED 365,000 outside the UAE; pre-authorization required
Natal Complications
Covered up to AED 150,000; pre-authorization required for in-patient treatment
Dental
Dental Coverage
Up to AED 15,000 with 20% co-pay & pre-authorization (routine & major dental including orthodontic)
Accidental Damage to Teeth
Covered