Insurance House
What Plan 5 RN3 does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,000,000
Medical network
NEXTCARE — RN3
Consultation
AED 50 in Abu Dhabi
Pharmacy
Covered with no co-pay
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.
Medical Network
NEXTCARE — RN3
Annual Limit per Person
AED 1,000,000
Area of Coverage
Worldwide, for elective and emergency treatment. Cover outside the UAE is limited to 90 days per treatment; a single holiday or business trip may not exceed 90 days.
In-patient Services
Covered up to the relevant annual benefit limit per person, per policy year, with pre-approval.
Out-patient Services
Covered
Hospital Accommodation
Private Room
Consultation Deductible (Co-Pay)
In Abu Dhabi: an AED 50 deductible. Outside Abu Dhabi: a 20% co-pay up to AED 50.
Diagnostics & Laboratory Services
Covered with Nil Co-Pay
Medicine Limit
Covered with Nil Co-Pay
Maternity
In-patient and out-patient cover for pre and post-natal treatment, normal delivery, medically necessary Caesarean section, maternity complications and medically necessary legal terminations. Inside Abu Dhabi: a combined in-patient and out-patient limit up to the annual benefit limit of the policy, with an AED 500 deductible on delivery as required by HAAD. Outside Abu Dhabi: a combined in-patient and out-patient limit of AED 10,000. The same out-patient deductible as the selected plan applies to maternity consultations. In-patient maternity treatment is subject to prior approval.
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 1,600
Physiotherapy
In Abu Dhabi: no capping. Outside Abu Dhabi: capped to 15 sessions per member. Requires pre-authorisation.
Psychiatric Treatment
Emergency mental health treatments are covered. Otherwise, in-patient and out-patient treatment of mental health diseases is excluded unless the condition is a transient mental disorder or an acute reaction to stress (DOH exclusions printed in this Table of Benefits).
Routine Dental Benefits
AED 3,500 with 20% Co-Pay
Routine Optical Benefits
Covered only in cases of medical emergencies up to ABL
Pre-existing / Chronic Conditions
All pre-existing medical conditions must be declared on the medical application form and are subject to medical underwriting. All declared pre-existing and chronic conditions are covered with a sub-limit of AED 250,000. For any undeclared pre-existing condition the policy is subject to re-underwriting before the cover can be used.
Emergency Road Ambulance Services
Covered in a medical emergency only, and if followed by admission.
Vaccination for Children (as per MOH, UAE)
Covered as per the MOH schedule, and requires pre-authorisation. Covered on both a free-access and a reimbursement basis; reimbursement claims are settled at 100% of actual covered cost, subject to a maximum of 100% of applicable network rates. Free access is available only within the specific MedNet Vaccination Network.
Repatriation of Mortal Remains
AED 7,500
Within the Network (Direct Billing)
Free access within the network.
Outside the Network (Reimbursement)
Reimbursement outside the network. The plan's Table of Benefits prints no reimbursement rate.
Emergency Treatment
Free access within the network; reimbursement outside the network.
Coverage Criteria for Treatment outside UAE
Cover outside the UAE is limited to 90 days per treatment. A single holiday or business trip may not exceed 90 days.
Day care Treatment
Covered
Dental, hearing & vision aids, vision correction
Emergency dental treatment for accidental damage to sound natural teeth caused by violent external means is covered when required within three months of the accident; no treatment is covered after 3 months. Treatment required as a result of consuming food or drink, or any foreign body contained in them, is not covered.
Elective Treatment
Free access within the network; reimbursement outside the network.
Emergency dental (accidental damage)
Treatment required within three months following accidental damage to sound natural teeth caused by violent external means, when given by a physician, dentist or dental surgeon. No treatment is covered after 3 months of the accident. Treatment required as a result of consuming food or drink, or any foreign body contained in them, is not covered.
Emergency Mental health Treatments
Covered
Health check up
Covered up to AED 500.
Hearing Emergencies
Covered only in cases of medical emergencies up to ABL
Intensive care & coronary artery disease
Covered
New Born baby coverage
Babies born inside and outside the UAE: new-born expenses are covered from the date of birth under the mother's card for the first 30 days, up to the annual benefit limit. New-born babies are added to the principal policy only on the policyholder's request and subject to medical underwriting. Cover is in line with HAAD benefit guidelines.
Out Patient Surgery
Covered
Preventive services (members over 18)
Not coveredOrgan transplantation (recipient only)
Covered as the recipient, excluding any charges related to the donor.
Accompanying person accommodation
Covered up to a maximum of AED 100 per night, for a person accompanying a beneficiary below 16 years of age in the same room, in cases of medical necessity at the recommendation of the treating doctor and with prior approval.
Vision Emergencies
Covered only in cases of medical emergencies up to ABL
Work Related Injuries and Illness
Covered
Benefits this plan adds beyond the rows compared above.
