QIC
Plan4
The short version
NAS — SRNWhat Plan4 does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,000,000
Medical network
NAS — SRN
Consultation
AED 50
Pharmacy
AED 6,000 with 15% 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
NAS — SRN
Annual Limit per Person
AED 1,000,000
Area of Coverage
Worldwide
In-patient Services
Covered
Out-patient Services
Covered
Hospital Accommodation
Private
Consultation Deductible (Co-Pay)
AED 50
Diagnostics & Laboratory Services
Covered with Nil Co-Pay
Medicine Limit
AED 6,000 with 15% Co-Pay
Maternity
Inside Abu Dhabi: in-patient and out-patient covered up to the annual limit, with an AED 500 deductible per delivery as required by HAAD. Elsewhere in the UAE: normal delivery up to AED 10,000, Caesarean section and complications up to AED 12,000, maternity emergencies up to the annual limit. Out-patient maternity is subject to the plan's consultation deductible. Strictly subject to the Medical Application Form (MAF). Any 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. 6-month waiting period for delivery on first membership, unless you show continuous cover
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.
Get a quote to see the amount for your family.
Alternative Medicines
Limited to AED 1,000 per person per annum
Physiotherapy
Covered
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 6,000/- per person per annum
Home Nursing
Covered (on reimbursement) up to Maximum AED 5,000 per person per annum
Routine Dental Benefits
AED 1,500 with 20% Co-Pay
Routine Optical Benefits
AED 1,000 with 20% Co-Pay
Pre-existing / Chronic Conditions
All pre-existing conditions should be declared in the Medical Application Form and is subject to medical underwriting. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. No waiting period applies if evidence of continuity(from any other individual plan- without any break is provided) of coverage is provided; otherwise a waiting period of 6 months applies to the first scheme membership on Inpatient treatment for the following medical conditions: Diabetes mellitus, Arterial diseases, COPD , All cancers cases, Neurosurgery, Cerebro Vascular diseases, All delivery cases (Maternity) 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 and refund the premium less paid claims Any form of Cancer shall fall within the definition of Chronic conditions. Waiting period of 6 months shall apply in line with regulatory mandates. If cancer or any other chronic condition manifested after the policy start date, a waiting period of 6 months from policy start date shall apply.
Emergency Road Ambulance Services
Covered
Vaccination for Children (as per MOH, UAE)
Inside Network: 100% Actual Cost. Outside Network : UCR Basis
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 coveredAir-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
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 AED 50 consultation deductible 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, Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth ,Soft-tissue injuries etc
Hearing Emergencies
Covered
New Born baby coverage
Coverage of a pregnant female is extended by the insurer to provide the same benefits for a new born child of that female for a period up to 30 days from its date of birth. This cover is provided regardless of whether or not the new born is eventually enrolled as a dependent member under the insurer’s policy. Cover for 30 days from birth.
Organ transplantation (recipient only)
Organ transplantation shall cover the organ transplantation as recipient excluding any cost related to donor, and excluding the acquisition and organ cost. Organs covered are: heart, lung, kidney, pancreas, liver, Allogeneic & autologous bone marrow.
Second Medical Opinion
This benefit gives members access through respective TPA mobile application to world renowned providers to re-evaluate their earlier diagnosis, medical history and treatment plan for non-emergency cases.
Accompanying person accommodation
Covered (Max upto AED 500 per night)
Vision Emergencies
Covered
Work Related Injuries and Illness
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- Dental, hearing & vision aids, vision correction
- Covered, Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth…
- Hearing Emergencies
- Covered
- Vision Emergencies
- Covered
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 AED 50 consultation deductible does not apply to a follow-up within 7 days for the same treatment with the same doctor.
Hospital and recovery
What the plan does around a hospital stay- New Born baby coverage
- Coverage of a pregnant female is extended by the insurer to provide the same benefits for a new born child of that female for a period up to 30 days from its date of…
- Organ transplantation (recipient only)
- Organ transplantation shall cover the organ transplantation as recipient excluding any cost related to donor, and excluding the acquisition and organ cost.
- Second Medical Opinion
- This benefit gives members access through respective TPA mobile application to world renowned providers to re-evaluate their earlier diagnosis, medical history and…
- Accompanying person accommodation
- Covered (Max upto AED 500 per night)
- Work Related Injuries and Illness
- Covered
- Parent Accommodation for child under 18 years of age
- Covered (Max upto AED 500 per night)
Named exclusions
Written into this plan's own document, so you do not find out later- Assist America
- Not Covered