Salama Islamic Arab Insurance Co. (P.S.C.) - Salama Basic Plan
Yearly Cover
AED 150,000.00
Deductible
20% co-insurance up to a maximum of AED 500 (maximum AED 1,000 per year) for in-patient treatments; 20% co-insurance on out-patient treatment
Coverage
GCC
Chronic Conditions
Covered; pre-authorization required for in-patient treatment; waiting period of 6 months for new members
Pre-Existing Conditions
Not Covered
In-Patient
Ambulance Coverage
Covered; pre-authorization required for in-patient treatment
Hospital Accomodation
Semi-private room
Hospital Cash Benefit
Not Covered
Parent Accomodation
Up to AED 100 per night with pre-authorization
Out-Patient
Vaccination
Covered for children up to 6 years with pre-authorization
Physiotherapy
Covered with pre-authorization; up to 6 sessions for out-patient treatment with 20% co-insurance
Scans
Covered; pre-authorization required for in-patient treatment
Health Checks
Diabetes screening covered once every year for members over 18 years
Psychiatric Treatment
Not Covered
Alternative Medicine
Not Covered
Prescription Drugs
Not Covered
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Network
Network Coverage
30 Hospitals
221 Clinics
10 Laboratories
639 Pharmacies
0 Dentals
0 Optics
Treatment Outside Area of Cover
Not Covered
Treatment Outside Network
Not covered
Maternity
Pregnancy Cover
Covered with 10% co-insurance; up to AED 7,000 for normal delivery and up to AED 10,000 for medically essential C-section & complications; preauthorization required for in-patient treatment; covered 100% for out-patient treatment
Newborn Baby Cover
Covered for 30 days from birth
Natal Complications
Covered up to AED 10,000 (combined limit with caeserean) with 10% co-insurance and pre-authorization
Dental
Dental Coverage
Not Covered
Accidental Damage to Teeth
Not Covered