Medical Insurance

• Visits to medical facilities under the relevant network when ill with /without deductibles as chosen on the plan.
• Diagnostic and Laboratory costs associated covered up to the limits available under the policy with the applicable co-payment.
• Pharmaceutical costs associated covered up to the limits available under the policy with the applicable co-payment.

When hospitalization is required, admission in hospitals is covered for further treatment of illnesses. Treatment can be availed on cashless basis when chosen to be availed within the chosen network in UAE. For hospital coverage outside of UAE that is informed to us 2-3 weeks ahead, we work with our healthcare partners in listed countries and cities to ensure this remains a hassle-free experience. All charges associated with the medically necessary treatment would be covered as per the terms and conditions of the policy.

There are other enhanced covers that can be opted for (in flexibile plans) in addition to the basic cover . These include:

• Dental treatment
• Optical
• Wellness Benefit
• Alternative medicine such as Ayurvedic, Homeopathy, Chiropractic treatments.

What may not be covered?

• Waiting periods – certain medical conditions can be covered only after the expiry of a certain period of time under the policy. This will be based upon the plan chosen. 
• Policy deductibles – a portion of the claim amount that is to be borne by the Insured will not be covered for reimbursement settlements.
• Exclusions – these conditions cannot be covered and are predefined as non-covered items.

To ensure we offer you an optimum cover for your needs it is strongly suggested that you declare any health condition that you may have been treated in the past for or currently taking treatment.

Our international health insurance plans are DHA compliant (approved by DHA) and are designed and developed by Expacare Limited. To know more click the below link.