Ras Al-Khaimah National Insurance Co. (P.S.C) - EPB 2
Yearly Cover
AED 150,000.00
Deductible
10% Max AED 25 co-pay on out-patient consultation
Coverage
GCC
Chronic Conditions
Covered (waiting period of 6 months for new members, except emergency)
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered
Hospital Accomodation
Ward Room
Hospital Cash Benefit
Not Covered
Parent Accomodation
Up to AED 100 per night
Out-Patient
Vaccination
Covered for children up to 6 years as per DHA
Physiotherapy
Covered up to 8 sessions for out-patient treatment with pre-authorization
Scans
Covered; pre-authorization required for non-emergency CT scans, MRI & endoscopies
Health Checks
Diabetes screening as per DHA
Psychiatric Treatment
Not Covered
Alternative Medicine
Not Covered
Prescription Drugs
Not Covered
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Network
Network Coverage
15 Hospitals
265 Clinics
4 Laboratories
409 Pharmacies
2 Dentals
0 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
Covered 100% of emergency cost subject to network rates on reimbursement basis
Maternity
Pregnancy Cover
Covered 100% for out-patient maternity (maximum 8 visits to PHC & 3 ante-natal ultrasound scans) & in case of an emergency; up to AED 7,000 per normal delivery & AED 10,000 for medically necessary C-section, complications & medically necessary termination; covered with 10% co-pay and preauthorization
Newborn Baby Cover
Covered for 30 days from birth
Natal Complications
Up to AED 10,000 (combined limit with medically necessary C-section & termination) with pre-authorization & 10% co-pay
Dental
Dental Coverage
Not Covered