covers your employees for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance.
It also includes routine and complex dental care after a nine-month wait period.
For additional flexibility, it is possible to add routine maternity care and wellness benefits as additional options.
A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.
To further reduce premiums, there are out-patient per visit excess and co-insurance on out-patient additional options. Co-Insurance Out-Patient Treatment is not available to Insured Persons with residence visas in the Emirate of Abu Dhabi.
For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:
Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 2
For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:
i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.
ii) Medically Necessary costs incurred during normal Pregnancy and childbirth, including pre and post-natal check-ups subject to Pre-authorisation
- A cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low-risk patients and a specialist obstetrician for high-risk patients.
- Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high-risk patients GTT and Hepatitis C.
- In-Patient maternity is limited to a maximum of USD 1,950 for normal pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.
- The cost of three antenatal ultrasound scans.
iii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.
iv) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.
v) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.
Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates. For maternity Benefit outside of the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.