Orient Insurance P.J.S.C - Family Care - Silk Road - 10% co-pay
Yearly Cover
AED 1,000,000.00
Deductible
10% co-pay on all out-patient services
Coverage
Worldwide
Chronic Conditions
Covered up to AED 150,000 (with pre-existing conditions)
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered for in-patient treatment with pre-authorization
Hospital Accomodation
Private Room with pre-authorization
Hospital Cash Benefit
Not Covered
Parent Accomodation
Covered with pre-authorization
Out-Patient
Vaccination
Covered for children up to 6 years with 10% co-pay & pre-authorization
Physiotherapy
Covered with pre-authorization; up to 15 sessions with 10% co-pay for out-patient treatment
Scans
Covered; pre-authorization required for in-patient treatment & out-patient CT & MRI scans; 10% co-pay for out-patient treatment
Health Checks
Diabetes screening covered once every year for members over 18 years with 10% co-pay
Psychiatric Treatment
Not Covered
Alternative Medicine
Up to AED 1,600 on reimbursement basis with 10% co-pay
Prescription Drugs
Not Covered
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Network
Network Coverage
47 Hospitals
594 Clinics
30 Laboratories
1721 Pharmacies
11 Dentals
0 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
Elective treatment in the UAE is not covered; for countries outside the UAE, 80% of elective treatment covered (100% for South-East Asia) subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered with 10% co-pay on out-patient maternity treatment; up to AED 10,000 for normal delivery and up to AED 10,000 for medically essential C-section & complications; preauthorization required for in-patient treatment
Newborn Baby Cover
Covered; baby born outside UAE covered after acquiring UAE residency status
Natal Complications
Covered with 10% co-pay; pre-authorization required for inpatient treatment
Dental
Dental Coverage
Up to AED 3,500 with pre-authorization & 20% co-pay on direct billing (additional 20% co-payment on reimbursement); dental not covered on reimbursement basis in the UAE
Accidental Damage to Teeth
Covered if treated within 3 months with 10% co-pay