Family Medical Insurance
We appreciate that families have got different needs and different budgets. That is why we have devised four different packages for medical insurance of families. They are Diamond, Gold, Silver and Bronze.
What is covered?
All packages cover a wide range of benefits including:
- GP/Specialist consultation
- Medicine
- Laboratory
- X-Ray
- CT Scan
- MRI
- ICU
- Surgery
- Hospitalization
- Parent's accommodation to accompany hospitalized child
- Physiotherapy
- Ambulance
- Emergency dental Restricted to immediate pain relief following an accident
- Access to extensive network of clinics and hospitals
How can the benefits be accessed?
To avail the benefits within your selected network, you will be provided with a medical insurance card. When you visit a hospital or clinic within your network, you just need to present your card and pay your own share only. The balance will be settled directly by us. This facility is called direct billing.
The networks are very extensive and should cover all your desired medical centers. However in case you wish to visit a particular center out of your network, you can still enjoy your insurance. You just need to submit the receipts, diagnosis reports and invoices to our office. We will arrange reimbursement of your expenses as per your selected package.
Each claim is being assessed for approval by a team of professional physicians at Almadallah- a leading medical insurance administrator in the Emirates. This allows the claims to be evaluated independently and without any bias. Additionally you can follow up on status of your claims 24/7 through Almadallah call center.
More details on the packages
The table below shows details of cover and claim settlement for each package:
| Diamond | Gold | Silver | Bronze | |
| Annual coverage per person | AED 300,000 | AED 200,000 | AED 100,000 | AED 50,000 |
| Your payment to visit a doctor | AED 50 | AED 50 | AED 50 | AED 35 |
| Follow-up with your doctor within seven days | Free | Free | Free | Free |
| UAE Network | Almadallah
GN (Around 1700 centers) |
Almadallah
GN (Around 1700 centers) |
Almadallah
RN (More than 1400 centers) |
Almadallah
RN2 (More than 1200 centers) |
| Direct billing at Mediclinic and Al Zahra آ¹ | Provided | Provided With 10% coinsurance |
Not Applicable | Not Applicable |
| Cover outside UAE | Worldwide Excluding US, Canada and Occupied Palestine |
Worldwide Excluding US, Canada and Occupied Palestine |
Arab countries Indian subcontinent Iran and Philippines |
Arab countries Indian subcontinent Iran and Philippines |
| Hospitalization room type | Private room | Private room | Semi-private room | Shared room |
| Organ transplantآ² | Covered Up to AED 25,000 |
Covered Up to AED 10,000 |
Not covered | Not covered |
| Routine dentalآ³ | Covered AED 2,000 with 20% coinsurance |
Not covered | Not covered | Not covered |
| Repatriation of mortal remains | Covered Up to AED 25,000 |
Covered Up to AED 10,000 |
Covered Up to AED 5,000 |
Not covered |
| Physiotherapy | 14 sessions | 10 sessions | 10 sessions | 10 sessions |
| Parent inpatient accommodation to accompany an insured child below 15 | Covered AED 300 per night and AED 3000 per year |
Covered AED 250 per night and AED 3000 per year |
Covered AED 200 per night and AED 2000 per year |
Covered AED 200 per night and AED 2000 per year |
| Emergency ambulance | Covered In full |
Covered In full |
Covered AED 1,000 per person per trip |
Covered AED 500 per person per trip |
| Daily cover per person for ICU out of network | AED 2,000 | AED 1,500 | AED 1,000 | AED 750 |
| Daily cover per person for hospitalization out of network | AED 1,000 | AED 800 | AED 650 | AED 350 |
| SETTLEMENT OF CLAIMS | ||||
| UAE, Network | Direct billing | Direct billing | Direct billing | Direct billing |
| UAE, Governmental hospitals | Reimbursement Up to GN tariff rate |
Reimbursement Up to GN tariff rate |
Reimbursement Up to RN tariff rate |
Reimbursement Up to RN2 tariff rate |
| UAE, Non-network | Reimbursement Up to GN tariff rate with 20% coinsurance |
Reimbursement Up to GN tariff rate with 20% coinsurance |
Reimbursement Up to RN tariff rate with 20% coinsurance |
Reimbursement Up to RN2 tariff rate with 25% coinsurance |
| Out of UAE, Within coverage | Reimbursement Up to GN tariff rate with 20% coinsurance |
Reimbursement Up to GN tariff rate with 20% coinsurance |
Reimbursement Up to RN tariff rate with 20% coinsurance |
Reimbursement Up to RN2 tariff rate with 25% coinsurance |
| Diamond | Gold | Silver | Bronze | |
| Annual coverage per person | AED 300,000 | AED 200,000 | AED 100,000 | AED 50,000 |
| Your payment to visit a doctor | AED 50 | AED 50 | AED 50 | AED 35 |
| Follow-up with your doctor within seven days | Free | Free | Free | Free |
| UAE Network | Almadallah
GN (Around 1700 centers) |
Almadallah
GN (Around 1700 centers) |
Almadallah
RN (More than 1400 centers) |
Almadallah
RN2 (More than 1200 centers) |
| Direct billing at Mediclinic and Al Zahra آ¹ | Provided | Provided With 10% coinsurance |
Not Applicable | Not Applicable |
| Cover outside UAE | Worldwide Excluding US, Canada and Occupied Palestine |
Worldwide Excluding US, Canada and Occupied Palestine |
Arab countries Indian subcont inent Iran and Philippi nes |
Arab countries Indian subcont inent Iran and Philippi nes |
| Hospitalization room type | Private room | Private room | Semi-private room | Shared room |
| Organ transplantآ² | Covered Up to AED 25,000 |
Covered Up to AED 10,000 |
Not covered | Not covered |
| Routine dentalآ³ | Covered AED 2,000 with 20% coinsurance |
Not covered | Not covered | Not covered |
| Repatriation of mortal remains | Covered Up to AED 25,000 |
Covered Up to AED 10,000 |
Covered Up to AED 5,000 |
Not covered |
| Physiotherapy | 14 sessions | 10 sessions | 10 sessions | 10 sessions |
| Parent inpatient accommodation to accompany an insured child below 15 | Covered AED 300 per night and AED 3000 per year |
Covered AED 250 per night and AED 3000 per year |
Covered AED 200 per night and AED 2000 per year |
Covered AED 200 per night and AED 2000 per year |
| Emergency ambulance | Covered In full |
Covered In full |
Covered AED 1,000 per person per trip |
Covered AED 500 per person per trip |
| Daily cover per person for ICU out of network | AED 2,000 | AED 1,500 | AED 1,000 | AED 750 |
| Daily cover per person for hospitalization out of network | AED 1,000 | AED 800 | AED 650 | AED 350 |
| SETTLEMENT OF CLAIMS | ||||
| UAE, Network | Direct billing | Direct billing | Direct billing | Direct billing |
| UAE, Governmental hospitals | Reimbur sement Up to GN tariff rate |
Reimbur sement Up to GN tariff rate |
Reimbur sement Up to RN tariff rate |
Reimbur sement Up to RN2 tariff rate |
| UAE, Non-network | Reimbur sement Up to GN tariff rate with 20% coinsu rance |
Reimbur sement Up to GN tariff rate with 20% coinsu rance |
Reimbur sement Up to RN tariff rate with 20% coinsurance |
Reimbur sement Up to RN2 tariff rate with 25% coinsu rance |
| Out of UAE, Within coverage | Reimbur sement Up to GN tariff rate with 20% coinsu rance |
Reimbur sement Up to GN tariff rate with 20% coinsu rance |
Reimbur sement Up to RN tariff rate with 20% coinsurance |
Reimbur sement Up to RN2 tariff rate with 25% coinsu rance |
- (1) Should Mediclinic and Al Zahra groups remain in GN network
- (2) Cost of surgery, should the insured be recipient of the organ. Expenses of donor are excluded.
- (3) Includes RCT, Amalgam or composite filling, Extraction, X-Ray, Consultation and Medicine
Please note that in all above packages, treatment of pre-existing and chronic conditions, optical issues and maternity-related cares are not covered. These conditions can only be covered in group medical insurance.
To subscribe to one of our packages or simply to get a quote, click here.
