| Benefit |
MediSelect |
MediElite |
| Aggregate Maximum Sum Insured per Period of Insurance |
Dhs 3,000,000 |
Dhs 7,500,000 |
| Area of Cover |
Worldwide excluding the U.S. & Canada |
Worldwide |
| Accident Treatment |
60 days per period of insurance for accident treatment |
Not applicable |
| COINSURANCE |
| Treatment in U.A.E. |
PPO provider - 100% of eligible expenses. Non-PPO - 80% of eligible expenses |
PPO provider - 100% of eligible expenses. Non-PPO - 80% of eligible expenses |
| Treatment outside U.A.E. Excluding U.S./Canada |
100% of eligible expenses |
100% of eligible expenses |
| Treatment in U.S./Canada |
Accident treatment only - 80% of eligible expenses |
PPO provider - 100% of eligible expenses. Non-PPO - 80% of eligible expenses |
| PRE-EXISTING & CHRONIC CONDITIONS |
| Pre-existing Conditions |
12 month look back / covered up to Dhs 150,000 per period of insurance |
12 month look back / covered up to Dhs 250,000 per period of insurance |
| IN-PATIENT & DAY-PATIENT TREATMENT |
| Treatment Obtained in U.A.E. Government Hospital |
Full cover |
Full cover |
| In-patient Hospital Accommodation & Theatre |
Full cover |
Full cover |
| Day-patient Surgical Care |
Full cover |
Full cover |
| Parent Accommodation |
Up to Dhs 250 per day to a maximum of 30 days |
Up to Dhs 500 per day to a maximum of 30 days |
| Hospital Cash Benefit |
350 Dhs per day to a maximum of 30 days |
500 Dhs per day to a maximum of 30 days |
| OUT-PATIENT TREATMENT |
| Physician Consultation, Treatment & Referrals |
Full cover with a Dhs 50 excess. Options Nil, Dhs 25 or Dhs 50 |
Full cover with a Dhs 50 excess. Options Nil, Dhs 25 or Dhs 50 |
| Prescribed Drugs, Medicines, Dressings & Durable Medical Equipment |
Full cover |
Full cover |
| Diagnostic Tests & Procedures |
Full cover |
Full cover |
| WELLNESS & ADDITIONAL BENEFITS |
| Wellness & Health Check - Medical Check-up, Cervical Smear, Mammogram, Prostate Cancer Test |
Up to Dhs 500 with nil excess |
Up to Dhs 750 with nil excess |
| Child Wellness includes Vaccination Up to Age 18 as Routine in Location of Covered Person |
Up to Dhs 1,000 |
Up to Dhs 2,000 |
| Physiotherapy |
Full cover |
Full cover |
| Rehabilitation |
Full cover up to 90 days per period of insurance |
Full cover up to 180 days per period of insurance |
| Extended Care Facility |
Full cover up to 6 months |
Full cover up to 6 months |
| Hospice Care |
Full cover up to 6 months |
Full cover up to 6 months |
| Psychiatric Treatment |
Up to Dhs 10,000 per period of insurance |
Up to Dhs 18,000 per period of insurance |
| Emergency Local Ambulance |
Full cover |
Full cover |
| Home Nursing Care - Primary care services of a registered nurse in the insured person's home immediately after, or instead of, in-patient/day-patient treatment |
Up to Dhs 500 per visit to a maximum of 45 visits per period of insurance |
Up to Dhs 500 per visit to a maximum of 45 visits per period of insurance |
| Complementary Medical Treatment: Acupuncture, Chiropractic Therapy, Osteopathy Herbal Therapy, Homeopathy and Ayurvedic
|
Up to Dhs 5,000 per period of insurance 18 month lifetime limit |
Up to Dhs 18,000 per period of insurance 18 month lifetime limit |
| Emergency evacuation & transportation to nearest medical facility, home country or country of choice within your area of cover
|
Full cover |
Full cover |
| Repatriation of Mortal Remains
|
Up to Dhs 15,000 |
Up to Dhs 20,000 |
| Accidental Death
|
Up to Dhs 75,000 |
Up to Dhs 100,000 |
| Permanent Total Disability due to Accident
|
Up to Dhs 75,000 |
Up to Dhs 100,000 |
| Organ Transplant
|
Up to Dhs 100,000 per period of insurance |
Up to Dhs 200,000 per period of insurance |
| Prosthetic Devices
|
Up to Dhs 1,500 per period of insurance |
Up to Dhs 2,500 per period of insurance |
| Second Surgical Opinion
|
Full cover |
Full cover |
| Airfare (Economy Ticket - to a maximum of Dhs 2,500)
|
Treatment plus airfare must total less than 35% of U.A.E. customary charges |
Treatment plus airfare must total less than 35% of U.A.E. customary charges |
| 24 Hour Emergency Helpline
|
Included |
Included |
| RIDER 2 - AVAILABLE ONLY TO NON-RESIDENTS OF ABU DHABI |
| Normal pregnancy & delivery including medically necessary C-section & complications |
For cover inside U.A.E. - Full cover up to plan maximum. For cover outside U.A.E. - Up to Dhs 15,000 per pregnancy |
For cover inside U.A.E. - Full cover up to plan maximum. For cover outside U.A.E. - Up to Dhs 18,000 per pregnancy |
| Newborn hospital accommodation, examination including non-hereditary birth defects & congenital abnormalities |
Up to Dhs 75,000 per pregnancy - Congenital abnormalities subject to sub-limit of Dhs 25,000 per pregnancy (must enroll with parents within 31 days) |
Up to Dhs100,000 per pregnancy - Congenital abnormalities subject to sub-limit of Dhs 30,000 per pregnancy (must enroll with parents within 31 days) |
| RIDER 1 - HAAD RIDER - COMPULSORY FOR ALL RESIDENTS OF ABU DHABI |
| Cover for Pre-existing Conditions |
For cover inside U.A.E. - Full cover. For cover outside U.A.E. - Limited to Dhs 150,000 per period of insurance |
For cover inside U.A.E. - Full cover. For cover outside U.A.E. - Limited to Dhs 250,000 per period of insurance |
| Cover for Maternity - available to married females ages 16-45 following a 180 day waiting period of continuous cover |
| Normal pregnancy & delivery including medically necessary C-section & complications |
For cover inside U.A.E. - Full cover up to plan maximum. For cover outside U.A.E. - Up to Dhs 15,000 per pregnancy |
For cover inside U.A.E. - Full cover up to plan maximum. For cover outside U.A.E. - Up to Dhs 18,000 per pregnancy |
| Newborn hospital accommodation, examination including non-hereditary birth defects & congenital abnormalities |
Up to Dhs 75,000 per pregnancy - Congenital abnormalities subject to sub-limit of Dhs 25,000 per pregnancy (must enroll with parents within 31 days) |
Up to Dhs100,000 per pregnancy - Congenital abnormalities subject to sub-limit of Dhs 30,000 per pregnancy (must enroll with parents within 31 days) |