Orient Insurance P.J.S.C - NEMED Enhanced
Yearly Cover
AED 150,000.00
Deductible
20% co-pay on all out-patient services; sub-limit of AED 50,000 for all out-patient benefits combined
Coverage
GCC
Chronic Conditions
Covered up to AED 10,000 (with pre-existing conditions) after 12 month waiting period
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered for in-patient treatment with pre-authorization
Hospital Accomodation
Semi-private Room with pre-authorization
Hospital Cash Benefit
Not Covered
Parent Accomodation
Up to AED 100 per night
Out-Patient
Vaccination
Covered for children up to 6 years with 20% co-pay
Physiotherapy
Covered up to 8 sessions for in-patient treatment & up to 6 sessions for out-patient with 20% co-pay; pre-authorization is required
Scans
Covered; MRI, CT & endoscopies with pre-authorization; 10% co-pay for out-patient treatment
Health Checks
Not Covered
Psychiatric Treatment
Not Covered
Alternative Medicine
Not Covered
Prescription Drugs
Not Covered
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Network
Network Coverage
17 Hospitals
541 Clinics
44 Laboratories
1241 Pharmacies
8 Dentals
5 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 10,000 for in-patient maternity) & up to AED 150,000 in case of an emergency; Covered with 10% co-pay & pre-authorization; covered after a waiting period of 12 months
Natal Complications
Up to AED 10,000 with 10% co-pay; pre-authorization required
Dental
Dental Coverage
Not Covered