QIC
Plan3
The short version
NAS — RNWhat Plan3 does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,500,000
Medical network
NAS — RN
Consultation
Covered
Pharmacy
AED 8,500 with no co-pay
What is good
Good to know
Nothing we would flag on this plan — but read the Table of Benefits before you buy.
Get your price to download this plan's Table of Benefits and your quote.
Everything in the policy
Medical Network
NAS — RN
Annual Limit per Person
AED 1,500,000
Area of Coverage
Worldwide
In-patient Services
Covered
Out-patient Services
Covered
Hospital Accommodation
Private
Consultation Deductible (Co-Pay)
10% up to AED 25 for General Practitioners, 20% up to AED 60 for Specialists
Diagnostics & Laboratory Services
Covered with Nil Co-Pay
Medicine Limit
AED 8,500 with Nil Co-Pay
Maternity
In-patient up to AED 12,500 with 10% Co-Pay; if a condition develops into an emergency, the medically necessary expenses are covered up to the annual limit. Out-patient 10% Co-Pay, 12 visits and 8 ante-natal ultrasound scans. Strictly subject to declaration on the Medical Application Form: pregnancy at the time of application should be declared every year and is subject to medical underwriting, and an undeclared pregnancy will not be covered during the policy period and will be underwritten at renewal if needed. An undeclared pregnancy, known or unknown to the insured at the time of buying the policy, is considered pre-existing, and all pregnancy-related out-patient and in-patient claims are subject to a charge of additional annual premium or cancellation of the policy with recovery of all claims already settled.
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.
Alternative Medicines
Limited to AED 1,500 per person per annum
Physiotherapy
8 sessions per member per year
Psychiatric Treatment
Out Patient Covered up to Maximum AED 1,500/- per person per annum subject to 20% copay. IN Patient Covered up to Maximum AED 10,000/- per person per annum
Home Nursing
Covered (on reimbursement) up to Maximum AED 5,000 per person per annum
Routine Dental Benefits
AED 2,500 with 20% Co-Pay
Routine Optical Benefits
AED 1,250 with 20% Co-Pay
Pre-existing / Chronic Conditions
• All pre-existing medical conditions should be declared in the Medical Application Form and is subject to medical underwriting. • All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000/- • Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. All adverse findings on health declarations would be priced on each case basis. In case of misrepresentation insurer reserves the right to cancel the policy
Emergency Road Ambulance Services
Covered
Vaccination for Children (as per MOH, UAE)
Inside Network: 100% of Actual Cost. Outside Network : Covered on Network UCR Rates
Repatriation of Mortal Remains
Covered up to Maximum AED 10,000 per person per annum settled on Reimbursement basis with no co-pay
Within the Network (Direct Billing)
Direct Billing
Outside the Network (Reimbursement)
Reimbursement at 80% of usual and customary rates (100% in countries where the TPA is not present)
Assist America
Not coveredAdult Pneumococcal Conjugate Vaccine
As per DHA Adult Pneumococcal accination guidelines
Air-Ticket for Insured Member
Limited to AED 2,500 per person per annum subject to the following conditions 1) Covered once per policy year 2)Cost of treatment should be 30% lower than UAE treatment rates 3) Covered for Patient only
Cancer Treatments
Covered as per terms, conditions and exclusions of the program defined by DHA (To be followed as per the guidelines laid out under Basmah program)
Cash indemnity for in-patient stays
Covered on Reimbursement up to AED 250 per night and a maximum of 10 nights. The Cash Indemnity claim must be submitted within 15 days after discharge from the hospital with a proof of hospitalization including a discharge summary.
Follow-up consultation co-pay (within 7 days)
The consultation deductible (10% up to AED 25 for general practitioners and 20% up to AED 60 for specialists) does not apply to a follow-up within 7 days for the same treatment with the same doctor.
Dental, hearing & vision aids, vision correction
Covered subject to 20% coinsurance
Hearing Emergencies
Covered subject to 20% coinsurance
Hepatitis B Virus Screening and treatment
Covered as per terms, conditions and exclusions of the program defined by DHA (To be followed as per the guidelines laid out under Basmah program)
Hepatitis C Infection
Covered as per terms, conditions and exclusions of the program defined by DHA (To be followed as per the guidelines laid out under Basmah program)
Influenza Vaccine
Covered once Per Annum
New Born baby coverage
New born cover is included under in-patient maternity services.
Preventive services (members over 18)
Frequency restricted to: Diabetes: • Every 3 years from age 30 • High risk individuals annually from age 18
Organ transplantation (recipient only)
Coverage upto limit of AED 100,000/-. Coverage for Recipients only Outpatient: 20% co-insurance payable by the insured per visit
Second Medical Opinion
Not coveredAccompanying person accommodation
Covered (Max upto AED 550 per night)
Vision Emergencies
Covered subject to 20% coinsurance
Work Related Injuries and Illness
Not coveredOnly 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- Dental, hearing & vision aids, vision correction
- Covered subject to 20% coinsurance
- Hearing Emergencies
- Covered subject to 20% coinsurance
- Vision Emergencies
- Covered subject to 20% coinsurance
- Disease Management Programs
- Covered as per terms, conditions and exclusions of the program defined by DHA
Prevention & screening
Checks and vaccinations, before there is anything wrong- Adult Pneumococcal Conjugate Vaccine
- As per DHA Adult Pneumococcal accination guidelines
- Hepatitis B Virus Screening and treatment
- Covered as per terms, conditions and exclusions of the program defined by DHA (To be followed as per the guidelines laid out under Basmah program)
- Hepatitis C Infection
- Covered as per terms, conditions and exclusions of the program defined by DHA (To be followed as per the guidelines laid out under Basmah program)
- Influenza Vaccine
- Covered once Per Annum
- Preventive services (members over 18)
- Frequency restricted to: Diabetes: • Every 3 years from age 30 • High risk individuals annually from age 18
- Herpes Zoster (Shingles) Vaccine
- As per DHA guidelines
Cash back and waived fees
Money paid back to you, and charges this plan does not make- Air-Ticket for Insured Member
- Limited to AED 2,500 per person per annum subject to the following conditions 1) Covered once per policy year 2)Cost of treatment should be 30% lower than UAE…
- Cash indemnity for in-patient stays
- Covered on Reimbursement up to AED 250 per night and a maximum of 10 nights. The Cash Indemnity claim must be submitted within 15 days after discharge from the…
- Follow-up consultation co-pay (within 7 days)
- The consultation deductible (10% up to AED 25 for general practitioners and 20% up to AED 60 for specialists) does not apply to a follow-up within 7 days for the…
Hospital and recovery
What the plan does around a hospital stay- Cancer Treatments
- Covered as per terms, conditions and exclusions of the program defined by DHA (To be followed as per the guidelines laid out under Basmah program)
- New Born baby coverage
- New born cover is included under in-patient maternity services.
- Organ transplantation (recipient only)
- Coverage upto limit of AED 100,000/-. Coverage for Recipients only Outpatient: 20% co-insurance payable by the insured per visit
- Accompanying person accommodation
- Covered (Max upto AED 550 per night)
- Dialysis
- Covered to a limit of AED 60,000/- Outpatient: 20% coinsurance payable by the insured per visit
- Parent Accommodation for child under 18 years of age
- Covered (Max upto AED 550 per night)
Named exclusions
Written into this plan's own document, so you do not find out later- Assist America
- Not Covered
- Second Medical Opinion
- Not Covered
- Work Related Injuries and Illness
- Not Covered