Orient Insurance
Plan 4
The short version
NAS — SRNWhat Plan 4 does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 300,000
Medical network
NAS — SRN
Consultation
Covered with AED 50 co-pay
Pharmacy
AED 5,000 with 20% 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 300,000
Area of Coverage
Worldwide
In-patient Services
Covered
Out-patient Services
Covered
Hospital Accommodation
Private
Consultation Deductible (Co-Pay)
Covered with AED 50 Co-Pay
Diagnostics & Laboratory Services
Covered without co-pay and up to the aggregate annual limit.
Medicine Limit
AED 5,000 with 20% Co-Pay
Maternity
In-patient maternity: inside Abu Dhabi covered up to the policy annual limit (in-patient and out-patient); delivery inside Abu Dhabi carries an AED 500 deductible as per DoH law. Outside Abu Dhabi (within UAE): normal delivery up to AED 10,000, C-Section and maternity complications up to AED 12,000, medical emergency related to maternity up to the annual limit. Out-patient maternity: covered up to the annual limit, subject to the plan's consultation deductible. Pregnancy at the time of application should be declared in the medical application form and is subject to medical underwriting; an undeclared pregnancy will not be covered during the policy period and will be underwritten at renewal if needed. 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
AED 1,000
Physiotherapy
Covered, subject to pre-approval.
Psychiatric Treatment
Out-patient covered up to AED 1,500 per person per annum; in-patient covered up to AED 6,000 per person per annum.
Home Nursing
AED 5,000
Routine Dental Benefits
AED 1,500 with 20% Co-Pay
Routine Optical Benefits
AED 1,000 with 20% Co-Pay
Pre-existing / Chronic Conditions
Covered up to the annual limit; all pre-existing conditions must be declared in the Medical Application Form and are subject to medical underwriting, with no waiting period if evidence of continuity of coverage is provided, otherwise a 6-month waiting period applies on first scheme membership to in-patient treatment for diabetes mellitus, arterial diseases, COPD, all cancers, neurosurgery, cerebro vascular diseases and all delivery cases.
Emergency Road Ambulance Services
Emergency road ambulance services to and from hospital by a registered ambulance services provider.
Vaccination for Children (as per MOH, UAE)
Vaccination for children as per MOH, UAE. Inside network: 100% of actual cost. Outside network: UCR basis.
Repatriation of Mortal Remains
AED 10,000
Within the Network (Direct Billing)
Direct billing available. Reimbursement is also possible but will be settled at 80% of the usual and customary rates of the selected Network.
Outside the Network (Reimbursement)
Outside the network in countries where NAS is not present: reimbursement at 100% of actual costs (subject to be reasonable) or 100% of the usual and customary rates of the network, whichever is less. In countries where NAS is present: reimbursement at 80% of actual costs (subject to be reasonable) or 80% of the usual and customary rates of the network, whichever is less.
Vitamins
Multivitamins, milk formulas and food supplements are excluded unless prescribed as replacement therapy for known vitamin deficiency conditions.
Cash indemnity for in-patient stays
Cash indemnity for in-patient treatment 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.
Follow-up consultation co-pay (within 7 days)
The consultation deductible does not apply to a follow-up within 7 days for the same treatment and with the same doctor.
Dental, hearing & vision aids, vision correction
Diagnostic and treatment services for dental and gum treatments, emergency cases only, are covered. 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 Emergencies
Hearing aids in emergency cases only are covered. Hearing emergencies include an object or insect in the ear, a ruptured eardrum and sudden hearing loss.
Hepatitis B Virus Screening and treatment
Not coveredHepatitis C Infection
Diagnosis and treatment of Hepatitis C is covered for members enrolled under the Patient Support Program. Viral hepatitis is otherwise excluded except for Hepatitis A and C.
Organ transplantation (recipient only)
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.
Second Medical Opinion
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.
Symptom Checker
Symptom checker is covered.
Accompanying person accommodation
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 Emergencies
Vision aids and vision correction by surgery or laser in emergency cases only are covered. 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.
Work Related Injuries and Illness
Healthcare services for work illnesses and injuries as per Federal Law No. 8 of 1980 concerning the Regulation of Work Relations, as amended, and applicable laws in this respect, 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.
- Dental, hearing & vision aids, vision correction
- Diagnostic and treatment services for dental and gum treatments, emergency cases only, are covered.
- Hearing Emergencies
- Hearing aids in emergency cases only are covered. Hearing emergencies include an object or insect in the ear, a ruptured eardrum and sudden hearing loss.
- Symptom Checker
- Symptom checker is covered.
- Vision Emergencies
- Vision aids and vision correction by surgery or laser in emergency cases only are covered. Vision emergencies include bleeding or discharge from or around the eye,…
Prevention & screening
Checks and vaccinations, before there is anything wrong- Hepatitis C Infection
- Diagnosis and treatment of Hepatitis C is covered for members enrolled under the Patient Support Program.
Cash back and waived fees
Money paid back to you, and charges this plan does not make- Cash indemnity for in-patient stays
- Cash indemnity for in-patient treatment is covered on reimbursement up to AED 250 per night, to a maximum of 10 nights.
- Follow-up consultation co-pay (within 7 days)
- The consultation deductible does not apply to a follow-up within 7 days for the same treatment and with the same doctor.
Hospital and recovery
What the plan does around a hospital stay- Organ transplantation (recipient only)
- Organ transplantation is covered for the recipient, excluding any cost related to the donor and excluding the acquisition and organ cost.
- Second Medical Opinion
- This benefit gives members access, through the NAS mobile application, to world renowned providers to re-evaluate their earlier diagnosis, medical history and…
- Accompanying person accommodation
- 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…
- Work Related Injuries and Illness
- Healthcare services for work illnesses and injuries as per Federal Law No. 8 of 1980 concerning the Regulation of Work Relations, as amended, and applicable laws in…
- Parent Accommodation for child under 18 years of age
- Covered up to AED 250 Parent accommodation for a child under 18 years of age is covered up to AED 250 per day.
Named exclusions
Written into this plan's own document, so you do not find out later- 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…
- Dialysis
- All chronic conditions requiring haemodialysis or peritoneal dialysis, and the related investigations, treatments or procedures, are excluded.