Health Plans for Individuals. International Private Medical Insurance for Individuals & Families in Dubai

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1 Health Plans for Individuals International Private Medical Insurance for Individuals & Families in Dubai

2 International healthcare with a difference The Elite plans are designed for residents of Dubai who require access to the best private healthcare in the UAE, the Middle East, and around the world. A world of protection from an insurer with people who care Redefining health insurance in Dubai With an Elite plan, you ll experience a difference from dealing with other health insurers. We won t frustrate you with a myriad of options when you call us. You ll get through to one of our insurance professionals who will treat you with respect and care. You ll find our claims process straightforward and painless, and your personal claims experience will not affect your renewal premium. This is the Global Plans difference. 2 Global insurance for expatriates and international citizens 3

3 The people behind your health plan Dubai Insurance Company The insurer of the Elite plans, with a distinct brand of customer care and efficient service. Neuron Our medical network partner in the UAE, providing you with fast, cashless access to the best medical facilities in the region. We are Dubai Insurance Company, and we are here to give you the highest standards of service and care, whenever you need it. To bring you our health plans, we are working with specialist international insurance provider, William Russell Limited. William Russell is highly regarded by insurance professionals and expatriate communities around the world. They are renowned for providing health insurance of the highest quality and customer care with a personal touch. Combining our own expertise and knowledge of healthcare in Dubai with William Russell s experience in international insurance, we have created the Elite plan range for residents of Dubai. Our Global Plans Team at Dubai Insurance Company provides the same high degree of customer service for which the William Russell brand is known. You will have swift access to healthcare at hospitals, clinics, and pharmacies within Neuron s extensive network of medical providers. Neuron are available around the clock to assist you in locating appropriate medical care when you need it. William Russell The designers of the Elite plans and the inspiration for our comprehensive benefits and customer experience with a personal touch. 4 Global insurance for expatriates and international citizens 5

4 Health cover for life overseas The Elite plans cover you anywhere in the world, so you will be protected even when you travel outside Dubai. Since treatment in the USA is particularly expensive, we have made USA cover optional, so you don t have to pay for cover you don t need. Comprehensive cover The Elite plans offer wide-ranging cover for medical treatment, with plenty of benefits and features that set us apart from other providers. Emergency medical evacuation cover and 24/7 medical assistance All Elite plan customers can rely on our 24/7 medical assistance helpline for immediate help at any time, from any location. If medically necessary, an air ambulance will be sent to transport you to a hospital in another country where you can get the care you need. Innovative plans Each year brings advances in diagnosing and treating serious medical conditions, and to ensure that our plans keep pace with scientific advances, we are constantly reviewing and improving the benefits we offer. Taking care of our cancer patients Treatment for cancer is covered in full, and we now cover genome testing of malignant tumours so that cancer treatment can be more targeted, improving outcomes. To give our cancer patients some extra support, we provide additional benefits such as cover for dietician consultations, counselling upon first being diagnosed with cancer, and benefit towards a wig if treatment results in hair loss. Helping you look after your health We believe that prevention is better than cure. That s why our Silver and Gold plans each provide a generous annual benefit to cover health checks for illnesses that concern you. Vaccinations and eye examinations are also included in this benefit. Cover for long-term conditions You won t have to worry about limitations on your cover if you are diagnosed with an illness which is chronic or long-term. The Elite plans cover long-term medical conditions such as diabetes and hypertension. Generous maternity benefits Our Gold plan includes AED55,050 for routine maternity care costs, and full cover for complications of pregnancy, including childbirth when it requires an emergency surgical procedure. Cover for terrorist attacks Provided you are an innocent bystander, and you are not in a location that the British Foreign & Commonwealth Office has advised its citizens to leave, you ll be covered in the event of a terrorist attack. We look after you throughout your life We ll continue to offer you renewal for as long as you want cover. We will never refuse cover just because you make a claim, and your personal claims experience will not affect your renewal premium. The security behind your cover The Global Health plans are issued and insured by Dubai Insurance Company, Dubai s oldest insurer and a respected corporate presence in the Middle East. 30-day money back guarantee If you re unhappy with anything at all, we ll refund your premium under our 30-day money back guarantee, provided you have not made a claim. 6 Global insurance for expatriates and international citizens 7

5 Our most popular plan, Elite Silver provides cover for: Everyday healthcare, including visits to the doctor, prescribed drugs, and specialist visits, treatments and tests (including MRI and CAT scans). Treatment you receive when you are admitted to hospital, and post-hospital follow-up consultations and tests. Treatment for cancer, including genome testing of malignant tumours. Organ, bone marrow and tissue transplants, including donor costs. Reconstructive surgery. Elite Silver $2,500,00 or AED9,175,000 Long-term conditions such as diabetes and asthma. Well-being benefits including vaccinations and the preventive health checks of your choice. Physiotherapy. Routine maternity care, childbirth, and complications of pregnancy. The benefits of Elite at a glance Designed to meet the needs of residents of Dubai who require worldwide access to healthcare, the Elite plans offer comprehensive health insurance that doesn t stop when you cross a border. An optional dental plan covering routine and complex dental treatment. International benefits such as emergency medical evacuation, 24/7 emergency medical assistance, and cover for compassionate home travel. Elite Gold provides all the cover of the Silver plan, plus: Elite Gold $4,500,00 or AED16,515,000 Increased cover for routine maternity care, and full cover for complications of pregnancy. AED367,000 of cover for newborn babies in the first 90 days of their life. Extended duration of cover for rehabilitation treatment following in-patient medical treatment. Higher cover for treatment arising from HIV & AIDS. Enhanced well-being benefit. Cover up to 18 months for hormone replacement therapy. Routine dental benefits as standard, including screening, root canal treatment, and preventive scaling, polishing and sealing. An optional dental plan covering complex dental treatment. For full details of all our plans, please visit us online or consult the Elite Plan Agreement. 8 Global insurance for expatriates and international citizens 9

6 The Elite Table of Benefits Elite Silver Elite Gold ANNUAL BENEFIT LIMIT The overall maximum limit that each insured person can claim during any one period of cover. $2,500,000 or AED9,175,000 $4,500,000 or AED16,515,000 COVER WHEN YOU ARE ADMITTED TO HOSPITAL Hospital accommodation and treatment costs (as an in-patient or day-patient). Full cover Full cover Parent accommodation charges. Full cover Full cover Accommodation of an accompanying person. Full cover Full cover Hospital cash benefit. Per night: $80 or AED294 Per night: $250 or AED918 Road ambulance. Full cover Full cover IF YOU ARE DIAGNOSED WITH CANCER Cancer treatment (including chemotherapy and radiotherapy, and out-patient consultations, tests, and scans). Full cover Full cover Genome sequencing & tests of cancerous tumours. Up to $2,000 or AED7,340 Up to $2,000 or AED7,340 Wigs. Lifetime limit $150 or AED551 Lifetime limit $150 or AED551 Counselling. Lifetime limit $500 or AED1,835 Lifetime limit $500 or AED1,835 Dietician. Lifetime limit $100 or AED367 Lifetime limit $100 or AED367 IF YOU NEED RECONSTRUCTIVE SURGERY Surgery to restore your appearance after an accident, or after surgery for breast cancer. Full cover Full cover IF YOU NEED A TRANSPLANT FOR AN ORGAN, BONE MARROW OR TISSUE Costs incurred whilst hospitalised, and all related out-patient treatment required prior to and after the transplant. Full cover Full cover Donor costs. Up to $25,000 or AED91,750 per transplant Up to $25,000 or AED91,750 per transplant IF YOU NEED KIDNEY DIALYSIS Short-term kidney dialysis of up to 4 weeks. Full cover Full cover IF YOU NEED PSYCHIATRIC CARE Lifetime limit for all psychiatric treatment. $75,000 or AED275,250 $100,000 or AED367,000 In-patient and day-patient psychiatric treatment. Full cover Full cover Out-patient psychiatric treatment. Full cover Full cover COVER FOR EVERYDAY MEDICAL CARE Emergency ward treatment. Full cover Full cover Out-patient surgical procedures. Full cover Full cover GP and specialist consultations. Full cover Full cover Advanced diagnostic tests, such as MRI, CAT (CT), and PET scans. Full cover Full cover Treatment by a chiropractor, osteopath, chiropodist, podiatrist, homeopath or acupuncturist. Full cover up to 10 sessions Full cover up to 15 sessions Hormone replacement therapy for loss of ovarian function before age 40, prescribed by a medical doctor. Cover up to 12 months from the date of diagnosis Cover up to 18 months from the date of diagnosis Traditional Chinese medicine. Up to $50 or AED183 per session up to 10 sessions Up to $50 or AED183 per session up to 15 sessions Physiotherapy. Full cover Full cover WELL-BEING BENEFITS Preventive health checks. Up to $300 or AED1,101 Up to $550 or AED2,019 Well-child benefit. Up to $150 or AED551 Up to $250 or AED918 IF YOU NEED TREATMENT FOR HIV AND/OR AIDS Treatment for up to 5 years. Up to $75,000 or AED275,250 Up to $100,000 or AED367,000 KEY FULL COVER WITHIN ANNUAL PLAN BENEFIT LIMIT PARTIAL OR LIMITED COVER 10 Global insurance for expatriates and international citizens 11

7 IF YOU NEED REHABILITATION TREATMENT Elite Silver Elite Gold In-patient rehabilitation carried out in a recognised rehabilitation hospital or unit, following treatment covered by your plan. Cover up to 15 days per medical condition Cover up to 30 days per medical condition IF YOU NEED HOME NURSING Cover for up to 12 weeks per medical condition per period of cover. Full cover Full cover IF YOU NEED HOSPICE & PALLIATIVE CARE The palliative care of a medical condition covered by your plan. Lifetime limit $50,000 or AED183,500 Lifetime limit $100,000 or AED367,000 IF YOU NEED MEDICAL AIDS & DEVICES Supplying, fitting or hiring instruments, apparatuses or devices. Up to $500 or AED1,835 per medical condition Up to $1,000 or AED3,670 per medical condition IF YOU NEED PROSTHESES Surgically implanted artificial body parts needed as a vital part of an operation. Full cover Full cover Prosthetic devices. Per device: $1,000 or AED3,670 Per device: $1,500 or AED5,505 IF YOU NEED TREATMENT FOR PREGNANCY & CHILDBIRTH In-patient and day-patient complications of pregnancy. Up to $40,872 or AED150,000 Full cover Childbirth necessitating an emergency surgical procedure. Up to $2,725 or AED10,000 Full cover Routine maternity care and childbirth. Up to $2,725 or AED10,000 per pregnancy Up to $15,000 or AED55,050 per pregnancy Cover for newborn babies. Up to $40,872 or AED150,000 per pregnancy Up to $100,000 or AED367,000 per pregnancy IF YOU NEED COVER FOR DENTAL CARE In-patient emergency restorative dental treatment. Full cover Full cover Out-patient emergency dental treatment. Up to $40,872 or AED150,000 Up to $40,872 or AED150,000 Routine dental treatment. Complex dental treatment. IF YOU NEED EMERGENCY EVACUATION Only covered if you have selected the Optional dental benefit Only covered if you have selected the Optional dental benefit Up to $1,500 or AED5,505 Only covered if you have selected the Optional dental benefit Emergency evacuation, return economy airfare & travelling expenses of a companion. Full cover Full cover Accommodation expenses of a companion (up to 15 nights). Per night: $96 or AED352 Per night: $250 or AED918 Compassionate home travel. Full cover Full cover Repatriation of mortal remains. Full cover Full cover Burial or cremation. Up to $1,600 or AED5,872 Up to $1,600 or AED5,872 OPTIONAL repatriation benefit (covers the cost of your repatriation to the UAE or your country of nationality, once the emergency medical condition for which you have been evacuated has stabilised). IF YOU NEED TREATMENT FOR A CONGENITAL ABNORMALITY Only covered if you have selected the optional repatriation benefit Only covered if you have selected the Optional emergency evacuation benefit Treatment for a congenital abnormality discovered after the start of your plan. Lifetime limit $40,000 or AED146,800 Lifetime limit $80,000 or AED293,600 IF YOU HAVE A CHRONIC CONDITION Acute flare-ups. Full cover Full cover Regular monitoring & maintenance (consultations, tests & prescribed medication required to monitor & maintain the stability of a chronic condition). Full cover Full cover The limits above are annual unless stated otherwise. For full details on all our plans, please consult the plan agreement. 12 Global insurance for expatriates and international citizens 13

8 Your medical network in Dubai Access to hospitals Through our partnership with Neuron, you will have access to the best hospitals and medical facilities in the UAE and throughout the Gulf region. Straightforward claims process Your Elite plan membership card gives you access to hospitals and clinics within your network. Simply present your card, and the clinic will know to send your bills direct to Neuron for settlement. If you ever need to pay and then claim, Neuron will settle your claim within 7 working days. Making a claim outside the UAE Outside of the UAE you are able to choose where in the world to have your medical treatment. Since treatment in the USA is particularly expensive, we have made USA cover optional, so you don t have to pay for cover you don t need. If you need emergency medical assistance and/or you need to be admitted to hospital, simply call the 24-hour emergency number on your card. Our Assistance Service will make all of the necessary arrangements to have you admitted to hospital. Our sustainable pricing policy With the introduction of new, costly drug therapies and treatments, medical treatment costs around the world are rising. It is inevitable that insurance premiums have to rise to keep pace. At Dubai Insurance Company, we are committed to keeping your future premium increases as reasonable as possible. We are proud to be a provider whose premium increases over the past few years have been more gradual than most. In addition, your personal claims experience will not affect your future renewal premiums. Optional plans available with your Elite plan For little extra cost you can buy a Global Travel plan which will cover your baggage and personal effects during holidays and business trips, and give you valuable cover if you are forced to cancel or curtail a trip. You can also buy a Global Accident plan, which pays a lump-sum benefit if you are killed in an accident, or you suffer a permanent disability as the result of an accident. Adding life insurance and income protection insurance For comprehensive life insurance, we offer our Global Life plan, designed with expatriate life and international living in mind. If you wish to insure your income against the possibility of your inability to work due to illness or injury, our Global Income Protection plan will do just that. It will pay you a replacement income whilst you are too sick to work. Apply today Your health is precious. Don t wait until it s too late to get the cover you and your family need. Simply download and complete an application form from our website and it to We will normally get back to you within 24 hours, and, as soon as you have paid your premium, your cover will commence. We are here to assist you through the application process, so please don t hesitate to contact us if you have any questions at all. We make it easy for you to claim for healthcare while you are living and working in the UAE. Thanks to our partnership with Neuron, you will have access to the best healthcare in the region. Outside the UAE, you can choose where in the world to seek your medical treatment. 14 Global insurance for expatriates and international citizens 15

9 We re here to help Dubai Insurance Company s Global Plans Team is the leading provider of international health, life and income protection insurance in the UAE. We have developed a range of world-class insurance products, each designed to provide protection for expatriate life and international living in Dubai and beyond. As the oldest insurer in Dubai, we are renowned for our fairness, honesty and outstanding personal service. We insure customers across the region, protecting expatriates and their families, international citizens, global corporations and SME businesses, and high-net-worth individuals. For more information call us on or visit Global Plans Team Dubai Insurance Company, PO Box 3027 Dubai, UAE F: E: The Global plans are designed by William Russell Ltd., and issued and insured by Dubai Insurance Company psc., who are licensed by the UAE Insurance Authority, registration number 4. DIC/2016/ind_health_brochure/v1

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