QIC
What ECARE Classic 2 — SI 500,000 does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 500,000
Medical network
ECARE — Ecare Classic
Consultation
20% max AED 25
Pharmacy
AED 10,000 with 10% co-pay
Get your price to download this plan's Table of Benefits and your quote.
Medical Network
ECARE — Ecare Classic
Annual Limit per Person
AED 500,000
Area of Coverage
UAE and home country (in-patient only in ISC and SEA, excluding China, Japan, Hong Kong, Taiwan, Thailand and Singapore), subject to prior approval and UAE network rates
In-patient Services
Covered
Out-patient Services
Covered
Consultation Deductible (Co-Pay)
20% co-insurance per consultation, capped at AED 25
Diagnostics & Laboratory Services
Covered with 10% Co-Pay
Medicine Limit
AED 10,000 with 10% Co-Pay
Maternity
In-patient up to AED 10,000 per normal delivery and AED 10,000 for medically necessary Caesarean section, complications or termination, with 10% co-insurance. Out-patient ante-natal 8 visits and 3 ultrasound scans with 10% co-insurance. All limits include co-insurance. Out-patient ante-natal services require prior approval from the insurance company; in-patient maternity services require prior approval from the insurance company or within 24 hours of emergency treatment. Where any condition becomes life-threatening to the mother or the newborn, the medically necessary expenses are covered up to the annual aggregate limit.
Women and maternity on this plan
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.
Routine Dental Benefits
AED 500 with 30% Co-Pay
Routine Optical Benefits
Not coveredPre-existing / Chronic Conditions
Covered up to AED 150,000 per member per year. No waiting period if continuity of coverage is evidenced; otherwise a 6 month waiting period applies to the first scheme membership
Specialist access
Direct specialist access; no GP referral is required. Out-patient access is restricted to clinics.
Within the Network (Direct Billing)
Covered in network with free access
Outside the Network (Reimbursement)
Reimbursement at 100% of covered cost in SEA, 80% elsewhere within the territorial scope
Emergency Treatment
Emergency treatment is covered at 100% of the actual covered cost, both within the network and outside the network.
Elective Treatment
Elective treatment within the network (free access) is covered; outside the UAE it is covered up to a maximum of 100% of UAE applicable network rates. Reimbursement outside the network: in South East Asia, 100% of the actual covered cost, capped at 100% of UAE applicable network rates; elsewhere within the territorial scope of cover, 80% of the actual covered cost, capped at 80% of UAE applicable network rates.
Health check up
An annual health check-up is covered once a year at selected network clinics, with a deductible of AED 150, subject to prior approval from the insurer or eCare.
New Born baby coverage
New born cover: the cover of a pregnant female is extended to give the same benefits to her new born child for 30 days from the date of birth, whether or not the baby is later enrolled as a dependent member. It includes BCG, Hepatitis B and neo-natal screening tests (phenylketonuria (PKU), congenital hypothyroidism, sickle cell screening and congenital adrenal hyperplasia).
Benefits this plan adds beyond the rows compared above.
