Orient Insurance
Pearl
The short version
MEDNET — PearlWhat Pearl does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,000,000
Medical network
MEDNET — Pearl
Consultation
Covered with AED 50 co-pay
Pharmacy
Covered with 10% co-pay
What is good
Good to know
Get your price to download this plan's Table of Benefits and your quote.
Everything in the policy
Medical Network
MEDNET — Pearl
Annual Limit per Person
AED 1,000,000
Area of Coverage
Worldwide. Coverage outside the UAE is limited to 90 days per treatment, and a single holiday or business trip may not exceed 90 days.
In-patient Services
Covered up to the relevant annual benefit limit per person per policy year, with pre-approval. Includes hospital accommodation and related services, intensive care and coronary artery disease treatment, consultant, surgeon and anaesthetist fees, therapies including physiotherapy, chemotherapy and radiation therapy, recipient organ transplantation excluding donor charges, and use of hospital medical equipment.
Out-patient Services
Covered - physician consultation, diagnostics and laboratory tests, pharmaceuticals, and physiotherapy (physiotherapy requires pre-authorization). Each is subject to the copayment chosen in the application. The approval protocol for free access at network providers follows HAAD guidelines.
Hospital Accommodation
Private Room
Consultation Deductible (Co-Pay)
Deductible of AED 50 per consultation
Diagnostics & Laboratory Services
Covered with 10% Co-Pay
Medicine Limit
Covered with 10% Co-Pay
Maternity
Inpatient and outpatient cover for pre and post-natal treatment, normal delivery, medically necessary Caesarean section, maternity complications, and medically necessary legal terminations. Inside Abu Dhabi: combined in-patient and out-patient limit up to the annual benefit limit of the policy, with an AED 500 delivery deductible as per HAAD. Outside Abu Dhabi: combined in-patient and out-patient limit of AED 10,000. In-patient maternity is subject to prior approval.
Abu Dhabi law excludes pregnancy and delivery cover for women enrolled as unmarried (Law 23/2005, Art. 13(5)).
Women and maternity on this plan
Married women pay an extra maternity premium on this plan; single women pay the standard price.
Women's premiums on this plan are higher than men's, whether or not they are married.
Get a quote to see the amount for your family.
Alternative Medicines
AED 1,600
Physiotherapy
Requires pre-authorization. With 10% Co-Pay
Psychiatric Treatment
Not coveredRoutine Dental Benefits
AED 3,500 with 20% Co-Pay
Routine Optical Benefits
Not coveredPre-existing / Chronic Conditions
All declared pre-existing and chronic conditions are covered with a sub-limit of AED 250,000, subject to declaration in the Medical Application Form and medical underwriting; any undeclared pre-existing condition makes the policy subject to re-underwriting.
Emergency Road Ambulance Services
Covered in a medical emergency only, and if followed by admission.
Vaccination for Children (as per MOH, UAE)
Vaccination covered as per the MOH schedule, requiring pre-authorization. Covered on both free access and reimbursement basis; reimbursement claims are settled at 100% of actual covered cost, subject to a maximum of 100% of applicable network rates. Free access is available only within the specific MedNet Vaccination Network. Herpes Zoster (shingles) and influenza vaccines are not covered.
Repatriation of Mortal Remains
AED 7,500
Within the Network (Direct Billing)
Free access (network): covered if the chosen provider is available in the selected network. Emergency treatment is paid at 100% of actual covered cost.
Outside the Network (Reimbursement)
Elective treatment reimbursed in SEA at 100% of actual covered cost, subject to a maximum of 100% of UAE applicable network rates. Reimbursement elsewhere within the territorial scope of cover at 80% of actual covered cost, subject to a maximum of 80% of UAE applicable network rates. Emergency treatment is reimbursed at 100% of actual covered cost.
Assist America
MedNet's global emergency assistance through Assist America, with no financial limitation under this benefit: worldwide emergency medical evacuation, worldwide hospital admission assistance, repatriation of mortal remains to the home country from anywhere in the world including the country of residence, medical consultation, evaluation, referral and monitoring, care of minor children and compassionate visit.
Vitamins
Multivitamins, milk formulas and food supplements are excluded unless prescribed as replacement therapy for known vitamin deficiency conditions.
Emergency Treatment
Emergency treatment is settled at 100% of actual covered cost, both on Free Access (network) and on reimbursement (non-network).
Cancer Treatments
Not coveredCoverage Criteria for Treatment outside UAE
Coverage outside the UAE is limited to 90 days per treatment. A single holiday or business trip may not exceed 90 days.
Day care Treatment
Day care treatment is covered.
Elective Treatment
Elective treatment on Free Access (network) is covered if the chosen provider is available in the selected network. On reimbursement (non-network): in South East Asia, 100% of actual covered cost subject to a maximum of 100% of UAE applicable network rates; elsewhere within the territorial scope of cover, 80% of actual covered cost subject to a maximum of 80% of UAE applicable network rates.
Emergency dental (accidental damage)
Treatment required within three months following accidental damage to sound natural teeth caused by violent external means is covered when given by a physician, dentist or dental surgeon. No treatment is covered after 3 months of the accident. Damage caused by consuming food or drink, or foreign bodies in food or drink, is not covered.
Emergency Mental health Treatments
Emergency mental health treatments are covered.
Hearing Emergencies
Hearing aids are covered only in cases of medical emergencies.
Hepatitis B Virus Screening and treatment
Not coveredHepatitis C Infection
Not coveredInfluenza Vaccine
Not coveredIntensive care & coronary artery disease
Intensive care unit and coronary artery disease treatment is covered, up to the annual benefit limit and with pre-approval.
New Born baby coverage
Babies born inside and outside the UAE are covered from date of birth under the mother's card for the first 30 days from date of birth, up to the annual benefit limit. Newborns are added to the principal policy only on the policyholder's request and are subject to medical underwriting. Coverage is in line with HAAD benefit guidelines.
Out Patient Surgery
Out-patient surgery is covered.
Preventive services (members over 18)
Not coveredOrgan transplantation (recipient only)
Recipient organ transplantation service is covered, excluding any charges related to the donor.
Accompanying person accommodation
The cost of accommodation of a person accompanying a beneficiary below 16 years of age in the same room is covered up to a maximum of AED 100 per night, where medically necessary, recommended by the treating doctor and pre-approved.
Vision Emergencies
Vision aids and vision correction by surgery or laser are covered only in cases of medical emergencies.
Work Related Injuries and Illness
Work related injuries are covered.
Only on this plan
Benefits this plan adds beyond the rows compared above.
Everyday care
Out-patient care you are likely to use in a normal year- Vitamins
- Multivitamins, milk formulas and food supplements are excluded unless prescribed as replacement therapy for known vitamin deficiency conditions.
- Emergency dental (accidental damage)
- Treatment required within three months following accidental damage to sound natural teeth caused by violent external means is covered when given by a physician,…
- Emergency Mental health Treatments
- Emergency mental health treatments are covered.
- Hearing Emergencies
- Hearing aids are covered only in cases of medical emergencies.
- Out Patient Surgery
- Out-patient surgery is covered.
- Vision Emergencies
- Vision aids and vision correction by surgery or laser are covered only in cases of medical emergencies.
Hospital and recovery
What the plan does around a hospital stay- Assist America
- MedNet's global emergency assistance through Assist America, with no financial limitation under this benefit: worldwide emergency medical evacuation, worldwide…
- Emergency Treatment
- Emergency treatment is settled at 100% of actual covered cost, both on Free Access (network) and on reimbursement (non-network).
- Coverage Criteria for Treatment outside UAE
- Coverage outside the UAE is limited to 90 days per treatment. A single holiday or business trip may not exceed 90 days.
- Day care Treatment
- Day care treatment is covered.
- Elective Treatment
- Elective treatment on Free Access (network) is covered if the chosen provider is available in the selected network.
- Intensive care & coronary artery disease
- Intensive care unit and coronary artery disease treatment is covered, up to the annual benefit limit and with pre-approval.
- New Born baby coverage
- Babies born inside and outside the UAE are covered from date of birth under the mother's card for the first 30 days from date of birth, up to the annual benefit…
- Organ transplantation (recipient only)
- Recipient organ transplantation service is covered, excluding any charges related to the donor.
- Accompanying person accommodation
- The cost of accommodation of a person accompanying a beneficiary below 16 years of age in the same room is covered up to a maximum of AED 100 per night, where…
- Work Related Injuries and Illness
- Work related injuries are covered.
- Companion Room & Board (beneficiary under 16)
- Companion room and board expenses for a beneficiary below 16 years of age are covered.
Named exclusions
Written into this plan's own document, so you do not find out later- Cancer Treatments
- Cancer treatment - screening, healthcare services, investigations and treatments under the 'Patient Support Program' - is not covered.
- Hepatitis B Virus Screening and treatment
- Healthcare services, investigations and treatments related to viral hepatitis and associated complications are excluded except for treatment and services related to…
- Hepatitis C Infection
- Screening, healthcare services, investigations and treatments related to viral hepatitis and associated complications related to Hepatitis C are not covered.
- Influenza Vaccine
- The influenza vaccine is not covered.
- Preventive services (members over 18)
- Preventive services for members over 18 years of age are not covered.
- Dialysis
- All chronic conditions requiring haemodialysis or peritoneal dialysis, and the related investigations, treatments or procedures, are excluded.
- Herpes Zoster (Shingles) Vaccine
- The Herpes Zoster (shingles) vaccine is not covered.