| BENEFITS |
SANAD |
| Geographical Scope |
U A E Only |
| Maximum Annual Limit per Person |
» 100,000
» 75,000
» 50,000 |
| 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 |
Semi-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) |
Not Applicable |
| 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) |
Not Applicable |
| Emergency Local Ambulance Charges |
Up to maximum of AED 500 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 |
Not Applicable |
| 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 |
