Yaqoot

Medical Network

NAS — RN

Annual Limit per Person

AED 500,000

Area of Coverage

Worldwide

In-patient Services

Covered

Out-patient Services

Covered

Hospital Accommodation

Private

Consultation Deductible (Co-Pay)

AED 50 deductible per consultation. Not applicable for follow-up within 7 days for the same treatment and with the same doctor.

Diagnostics & Laboratory Services

X-ray, MRI, CT-scan, ultrasound and endoscopy diagnostic services, covered without co-pay and up to the aggregate annual limit.

Medicine Limit

AED 7,500 with 20% Co-Pay

Maternity

In-patient maternity inside the Emirate of Abu Dhabi: covered up to the annual limit (in-patient and out-patient); delivery inside Abu Dhabi is subject to an AED 500 deductible as per HAAD law. Outside the Emirate of Abu Dhabi (within UAE): normal delivery up to AED 10,000, C-section and maternity complications up to AED 12,000, maternity-related medical emergency up to the annual limit. Out-patient maternity: covered up to the annual limit, subject to the consultation deductible. Strictly subject to the Medical Application Form (MAF): pregnancy at the time of application should be declared 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. 6-month waiting period for delivery on first membership, unless you show continuous cover

Alternative Medicines

AED 1,500

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 2,500 with 20% Co-Pay

Routine Optical Benefits

AED 1,250 with 20% Co-Pay

Pre-existing / Chronic Conditions

All pre-existing conditions must be declared in the Medical Application Form and are subject to medical underwriting; undeclared pre-existing conditions are not covered during the policy period and are underwritten at renewal. No waiting period applies if evidence of continuous prior individual cover is provided, otherwise a 6-month waiting period applies to in-patient treatment of diabetes, arterial disease, COPD, all cancers, neurosurgery, cerebrovascular disease and all deliveries.

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)

In countries where NAS is not present: reimbursement at 100% of actual costs (subject to being reasonable) or 100% of the network's usual and customary rates, whichever is less. In countries where NAS is present: reimbursement at 80% of actual costs or 80% of the usual and customary rates, whichever is less.

Cash indemnity for in-patient stays

Follow-up consultation co-pay (within 7 days)

Dental, hearing & vision aids, vision correction

Hearing Emergencies

Organ transplantation (recipient only)

Second Medical Opinion

Accompanying person accommodation

Vision Emergencies

Work Related Injuries and Illness