Family Medical Insurance

Insurance for Families

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:

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 NEXtCARE- 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 NEXtCARE call center which can speak 14 languages.

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 NEXtCARE GN
(Around 1700 centers)
NEXtCARE GN
(Around 1700 centers)
NEXtCARE RN
(More than 1400 centers)
NEXtCARE 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 NEXtCARE GN
(Around 1700 centers)
NEXtCARE GN
(Around 1700 centers)
NEXtCARE RN
(More than 1400 centers)
NEXtCARE 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.

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