Plan 5 WN

Multivitamins and food supplements are excluded unless prescribed as replacement therapy for known vitamin deficiency conditions.

Covered as per DHA adult pneumococcal vaccination guidelines.

Cancer treatment - screening, healthcare services, investigations and treatments as per DHA guidelines. Covered as per the terms, conditions and exclusions of the programme defined by DHA.

Cash indemnity for in-patient hospitalisations not submitted to the insurance company is covered on reimbursement up to AED 250 per night, to a maximum of 10 nights. The claim must be submitted within 15 days after discharge from hospital with proof of hospitalisation including a discharge summary.

The consultation deductible does not apply to a follow-up within 7 days for the same treatment and with the same doctor.

Diagnostic and treatment services for dental and gum treatments, emergency cases only, covered subject to 20% coinsurance. A dental emergency is any injury to teeth or gums that can put you at risk of permanent damage, such as a chipped or broken tooth, a knocked-out tooth or soft-tissue injuries.

Hearing aids in emergency cases only, covered subject to 20% coinsurance. Hearing emergencies include an object or insect in the ear, a ruptured eardrum and sudden hearing loss.

Hepatitis B virus screening and treatment - screening, healthcare services, investigations and treatments as per DHA guidelines. Covered as per the terms, conditions and exclusions of the programme defined by DHA.

Hepatitis C virus screening and treatment - screening, healthcare services, investigations and treatments as per DHA guidelines. Covered as per the terms, conditions and exclusions of the programme defined by DHA.

Influenza vaccine covered once per annum on reimbursement only, limited to the cost of the vaccine and its administration.

Cover for 30 days from birth, including BCG, Hepatitis B and neo-natal screening tests (phenylketonuria (PKU), congenital hypothyroidism, sickle cell screening, congenital adrenal hyperplasia).

Preventive services as stipulated by DHA, to include initially diabetes screening. Covered as per DHA regulations.

Organ transplantation is covered for the recipient, excluding any cost related to the donor and excluding the acquisition and organ cost. Organs covered are heart, lung, kidney, pancreas, liver, and allogeneic and autologous bone marrow. Coverage is up to a limit of AED 100,000 with 20% coinsurance for out-patient.

This benefit gives members access, through the NAS mobile application, to world renowned providers to re-evaluate their earlier diagnosis, medical history and treatment plan for non-emergency cases.

Accommodation of an accompanying person in the same room is covered up to AED 250 per day, as per the recommendation of the attending physician and subject to prior approval.

Vision aids and vision correction by surgery or laser in emergency cases only, covered subject to 20% coinsurance. Vision emergencies include bleeding or discharge from or around the eye, double vision and total or partial loss of vision in one or both eyes.