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HIMAYA

Regional Coverage - Including treatment at premier facilities

The AMAN Healthcare Himaya Plan offers a comprehensive and yet very economical package primarily intended for senior and Middle Management executives. This plan provides cover within the UAE and throughout the Middle East, India, Pakistan, Sri Lanka, Bangladesh and the Philippines upto a limit of AED 250,000/- per person per policy year.

Within the UAE, plan members will be provided with AMAN Healthcare cards that will enable them cashless/direct settlement benefit within our extensive list of healthcare providers including premier facilities. Treatment outside the network within the UAE is also allowed but subject to an element of coinsurance.

In addition, members who are on vacations or on business trips out of the geographical area of cover (excluding USA/Canada) and may need emergency medical assistance may utilize healthcare providers by contacting Cega; our International Medical Assistance Company. However, this benefit is limited to maximum 30 days in a policy year and is subject to coinsurance and as per scale of compensation commensurate to similar medical services within the UAE.

Group schemes also have the option to buy Emergency Repatriation and Evacuation Service benefit which will provide for the transportation of the member to nearest medical facility where treatment can be availed.

Dental and Maternity benefits (for groups only) can be included as optional additions to this plan. The Plan is flexible and can be modified to suit the specific needs of the clients.

Plan members will also have access to 24 hours/365 days telephone Helpline manned by professional medical staff (including help in obtaining Pre-authorization) from Neuron.

Contact with our technical team by email: info@aman.ae

 

Benefit Details

BENEFITS HIMAYA
Geographical Scope  Regional (UAE, Middle East, Indian Sub Continent & Philippines)
 Maximum Annual Limit per Person » 500,000
» 250,000
» 200,000
 Accidental and Emergency Treatments outside the territory of cover  Covered as per below terms & conditions
» Subject to reasonable and customary UAE rates
» Claims documents to be submitted up to maximum of 60 days per policy year
» Excluding USA and Canadar
In-Patient Charges
» Prescribed Drugs & Dressings
» Surgeon’s , Anesthetist’s and Physician’s fees
Full Refund
Hospital Accommodation Room & Board  Private
Intensive Care Unit  Covered
In-Patient cash benefit (Subject to maximum of 7 days per person per year if treatment is taken at selected list of hospitals) AED 100 per night
 Parent Accommodation (Hospital accommodation in respect of a parent or legal guardian staying with an Insured Person who is under 18 years of age) Covered
Home Nursing Care (Immediately following hospital discharge if recommended and subject to Pre-authorization) Covered up to maximum 13 weeks
Pathology, X-rays, CT scans including MRI, Radiotherapy, Chemotherapy and Prescribed Physiotherapy Covered (Subject to pre-authorization for specialized investigations and Physiotherapy treatment)
Out-Patient Charges
» Prescribed Drugs & Dressings
» Surgeon’s , Anesthetist’s and Physician’s fees
» Out-Patient Surgical Procedure
» Medical Practitioner fees including consultations, specialist fees and General Practitioner fees (subject to deductible if any)
Full Refund
Alternative Medicine Therapy including Chiropractic, Acupuncture, Ayurveda and Homeopathy (Subject to pre-authorization) Covered up to maximum of AED 2,000 per year
Emergency Local Ambulance Charges Up to maximum of AED 1,000 per trip
Organ Transplant (as recipient only) Covered up to annual benefit limit
Pre-existing and Chronic Conditions (applicable for groups of 20 employees and above) Covered up to annual benefit limit
Accidental Damage to Natural Teeth following an accident Full Refund
Repatriation of mortal remains or local burial charges
» Transportation of a body or ashes to the Country of Nationality or Country of Residence OR
» Burial or cremation costs at the place of death
Covered up to AED10,000 per person
Emergency Medical Evacuation - Optional benefit subject to additional premium $ 1,000,000
Additional Benefits (Optional)
Routine Dental Treatment (subject to coinsurance) » 2,000
» 3,000
» 4,000
» 5,000
Pregnancy & Childbirth (subject to minimum of 20 eligible females in between age band of 18-45)
» 5,000
» 10,000
» 15,000
New Born Care (applicable only if Maternity benefit is opted) Full Refund
Optical Benefit
» 1,000
» 1,500
» 2,000
» 2,500

 

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