Basic Medical Insurance covers:

• Inpatient Services: Coverage for hospitalization, including room charges, nursing care, and surgical procedures.
• Outpatient Services: Coverage for doctor's consultations, diagnostic tests, and prescription medications.
• Emergency Care: Coverage for emergency medical treatment, including ambulance services.
• Maternity Services: Basic coverage for maternity-related expenses, including prenatal care and childbirth.
• Preventive Services: Coverage for essential preventive measures, vaccinations, and wellness check-ups.

Additional Coverage: Some policies might offer optional extensions for dental care, optical services, and specialist consultations for specific medical conditions.

This policy does not cover any loss resulting from interruption of or interference with the business attributable to the following causes : Exclusions might involve:

• Cosmetic Procedures: Non-essential cosmetic surgeries or treatments are typically excluded.
• Pre-existing Conditions: Some policies may have exclusions for pre- existing medical conditions during the initial waiting period.
• High-End Treatments: High-cost or experimental treatments might not be covered by basic insurance.

The period of insurance for Basic Medical Insurance typically spans one year, with the option for renewal annually.

Basic Medical Insurance doesn't have a fixed sum insured; it covers medical expenses up to the policy's coverage limits. 

• Basic Coverage: While Basic Medical Insurance provides essential coverage, it may have limitations in terms of the range of medical services covered.
• Additional Coverage: Individuals seeking more comprehensive coverage may consider upgrading to a higher-tier health insurance plan.
• Access to Providers: Policyholders should review the list of network providers to ensure they have convenient access to medical facilities and professionals.
• Renewal: Regular renewal of the policy is important to ensure continued coverage and access to medical services.
• Regulatory Compliance: Basic Medical Insurance is a mandatory requirement for all eligible residents in the UAE, including those in the lower salary bracket.

Basic Medical Insurance for Domestic Workers covers:

• Inpatient Services: Coverage for hospitalization expenses, including room charges, surgical procedures, and nursing care.
• Outpatient Services: Coverage for doctor's consultations, diagnostic tests, prescription medications, and specialist visits.
• Emergency Care: Coverage for emergency medical treatment, ambulance services, and urgent care.
• Maternity Services: Basic coverage for prenatal care, childbirth, and related medical expenses.
• Preventive Services: Coverage for essential preventive measures, vaccinations, and wellness check-ups.

Extensions can include:

• Additional Benefits: Some policies might offer optional extensions such as dental coverage, optical services, or coverage for specific medical conditions.
• Enhanced Maternity Coverage: Optional maternity extensions can provide increased coverage for maternity-related expenses.

Exclusions might involve:

• Cosmetic Procedures: Non-essential cosmetic surgeries or treatments are generally excluded.
• Pre-existing Conditions: Certain policies might exclude coverage for pre-existing medical conditions during a waiting period.
• High-End Treatments: Experimental treatments or high-cost procedures may not be covered under the basic insurance plan.

The period of insurance for Basic Medical Insurance for Domestic Workers typically spans one year, with the option for annual renewal.

Basic Medical Insurance for Domestic Workers doesn't have a fixed sum insured; it covers medical expenses up to the policy's specified limits. 

Employer Responsibility: Employers are required by law to provide Basic Medical Insurance for Domestic Workers and should ensure timely renewals.

• Policy Details: Employers should review the policy details to understand coverage limits, exclusions, and any additional benefits.
• Emergency Numbers: Employers should provide domestic workers with emergency contact numbers and information about how to access medical care.
• Communication: Clear communication with domestic workers about their healthcare coverage and procedures is important to ensure they receive appropriate medical care.
• Regulatory Compliance: Providing medical insurance for domestic workers is a mandatory requirement in the UAE to safeguard their health and well-being.

Basic Medical Insurance for Investors and Partners covers:

• Inpatient Services: Coverage for hospitalization expenses, including room charges, surgical procedures, and nursing care.
• Outpatient Services: Coverage for doctor's consultations, diagnostic tests, prescription medications, and specialist visits.
• Emergency Care: Coverage for emergency medical treatment, ambulance services, and urgent care.
• Maternity Services: Basic coverage for prenatal care, childbirth, and related medical expenses.
• Preventive Services: Coverage for essential preventive measures, vaccinations, and wellness check-ups.

Extensions can include:

• Additional Benefits: Some policies might offer optional extensions such as dental coverage, optical services, or coverage for specific medical conditions.
• provide increased coverage for maternity-related expenses.

Exclusions might involve:

• Cosmetic Procedures: Non-essential cosmetic surgeries or treatments are generally excluded.
• Pre-existing Conditions: Certain policies might exclude coverage for pre-existing medical conditions during a waiting period.
• High-End Treatments: Experimental treatments or high-cost procedures may not be covered under the basic insurance plan.

The period of insurance for Basic Medical Insurance for Investors and Partners typically spans one year, with the option for annual renewal.

Basic Medical Insurance for Investors and Partners doesn't have a fixed sum insured; it covers medical expenses up to the policy's specified limits. 

• Business Requirements: Basic Medical Insurance is often a requirement for certain business activities involving investors and partners in the UAE.
• Policy Details: Businesses should review the policy details to understand coverage limits, exclusions, and any additional benefits.
• Emergency Numbers: Businesses should ensure that investors and partners have access to emergency contact numbers and information about how to access medical care.
• Communication: Clear communication with investors and partners about their healthcare coverage and procedures is important to ensure they receive appropriate medical care.
• Regulatory Compliance: Providing medical insurance for investors and partners aligns with UAE regulations and promotes the well-being of key contributors to the business landscape.

Basic Medical Insurance for Non-working Dependents and Parents covers:

• Inpatient Services: Coverage for hospitalization expenses, including room charges, surgical procedures, and nursing care.
• Outpatient Services: Coverage for doctor's consultations, diagnostic tests, prescription medications, and specialist visits.
• Emergency Care: Coverage for emergency medical treatment, ambulance services, and urgent care.
• Maternity Services: Basic coverage for prenatal care, childbirth, and related medical expenses.
• Preventive Services: Coverage for essential preventive measures, vaccinations, and wellness check-ups.

Extensions can include:

• Additional Benefits: Some policies might offer optional extensions such as dental coverage, optical services, or coverage for specific medical conditions.
• Enhanced Maternity Coverage: Optional maternity extensions can provide increased coverage for maternity-related expenses.

Exclusions might involve:   

• Cosmetic Procedures: Non-essential cosmetic surgeries or treatments are generally excluded.
• Pre-existing Conditions: Certain policies might exclude coverage for pre-existing medical conditions during a waiting period.
• High-End Treatments: Experimental treatments or high-cost procedures may not be covered under the basic insurance plan.
• Loss of or damage to machinery or mechanical installations which are not listed in the list of plant & machinery insured

The period of insurance for Basic Medical Insurance for Non-working Dependents and Parents typically spans one year, with the option for annual renewal.

Basic Medical Insurance for Non-working Dependents and Parents doesn't have a fixed sum insured; it covers medical expenses up to the policy's specified limits.  

• Sponsor Responsibility: Visa sponsors are required to provide Basic Medical Insurance for Non-working Dependents and Parents, ensuring their well-being and healthcare coverage.
• Policy Details: Sponsors should review the policy details to understand coverage limits, exclusions, and any additional benefits.
• Emergency Numbers: Sponsors should ensure that dependents and parents have access to emergency contact numbers and information about how to access medical care.
• Communication: Clear communication with dependents and parents about their healthcare coverage and procedures is important to ensure they receive appropriate medical care.
• Regulatory Compliance: Providing medical insurance for non-working dependents and parents is a requirement in the UAE to safeguard their health and well-being.

Family Medical Insurance covers:

• Inpatient Services: Coverage for hospitalization expenses, including room charges, surgeries, and nursing care.
• Outpatient Services: Coverage for doctor's consultations, diagnostic tests, prescription medications, and specialist visits.
• Emergency Care: Coverage for emergency medical treatment, ambulance services, and urgent care.
• Maternity Services: Coverage for prenatal care, childbirth, and related medical expenses.
• Paediatric Care: Coverage for children's medical needs, including vaccinations, check-ups, and treatments.
• Preventive Services: Coverage for preventive measures, wellness check-ups, and health screenings.
• Chronic Conditions: Coverage for managing chronic illnesses and ongoing medical needs.
• Dental and Optical Care: Some plans may offer optional extensions for dental and optical services.

Extensions can include:

• Enhanced Maternity Coverage: Optional maternity extensions can provide increased coverage for maternity-related expenses.
• Additional Paediatric Coverage: Extensions for specialized paediatric care and treatments.
• Wellness Programs: Optional extensions for wellness programs, fitness memberships, and health coaching.

Exclusions might involve:

• Cosmetic Procedures: Non-essential cosmetic surgeries or treatments are generally excluded.
• Pre-existing Conditions: Certain policies might exclude coverage for pre-existing medical conditions during a waiting period.
• High-End or Experimental Treatments: Some advanced or experimental treatments may not be covered.

The period of insurance for Family Medical Insurance typically spans one year, with the option for annual renewal.

Family Medical Insurance doesn't have a fixed sum insured

• Policy Comparison: Families should compare different insurance providers and policy options to find the plan that best aligns with their family's healthcare needs and preferences.
• Coverage Limits: Understanding coverage limits and policy terms helps manage expectations about the extent of coverage for various family members.
• Network Providers: Reviewing the list of network hospitals and medical providers ensures convenient access to medical facilities.
• Renewal: Regular renewal of the policy is essential to maintain continuous coverage and access to medical services for the entire family.
• Regulatory Compliance: Providing medical insurance for families fulfills the UAE's requirement for healthcare coverage, ensuring the well- being of all family members.

Extensions can include:

• Enhanced Maternity Coverage: Optional maternity extensions can provide increased coverage for maternity-related expenses.
• Additional Specialty Care: Extensions for specific medical conditions or treatments, such as physiotherapy or mental health services.

Exclusions might involve:

• Cosmetic Procedures: Non-essential cosmetic surgeries or treatments are generally excluded.
• Pre-existing Conditions: Certain policies might exclude coverage for pre-existing medical conditions during a waiting period.
• High-End or Experimental Treatments: Some advanced or experimental treatments may not be covered.

The period of insurance for Conventional Medical Insurance Plans typically spans one year, with the option for annual renewal.

Conventional Medical Insurance Plans don't have a fixed sum insured; they cover medical expenses up to the policy's specified limits. You are obliged to keep complete records i.e. inventories, production and balance sheets, for the three preceding years shall be held in safe keeping.
Contribution condition – If at the time any claim arises under the Policy there is any other insurance covering the same loss, damage or liability, we shall not be liable to pay or contribute more than its rateable proportion of any claim for such loss, damage or liability.

• Policy Comparison: Individuals should compare different insurance providers and policy options to find the plan that best aligns with their healthcare needs and preferences.
• Coverage Limits: Understanding coverage limits and policy terms helps manage expectations about the extent of coverage.
• Network Providers: Reviewing the list of network hospitals and medical providers ensures convenient access to medical facilities.
• Renewal: Regular renewal of the policy is essential to maintain continuous coverage and access to medical services.
• Regulatory Compliance: Medical insurance is a requirement for all individuals residing in the UAE, aligning with the country's commitment to providing accessible healthcare.

International Medical Insurance Plans cover:

• Global Coverage: Coverage for medical services both within the UAE and abroad, ensuring individuals can seek medical care in different countries.
• Inpatient Services: Coverage for hospitalization expenses, including room charges, surgeries, and nursing care.
• Outpatient Services: Coverage for doctor's consultations, diagnostic tests, prescription medications, and specialist visits.
• Emergency Care: Coverage for emergency medical treatment, ambulance services, and urgent care.
• Maternity Services: Coverage for prenatal care, childbirth, and related medical expenses.
• Preventive Services: Coverage for preventive measures, vaccinations, wellness check-ups, and health screenings.
• Chronic Conditions: Coverage for managing chronic illnesses and ongoing medical needs.
• Medications: Coverage for prescription medications and necessary treatments.
• Dental and Optical Care: Some plans may offer optional extensions for dental and optical services.

Extensions can include:

• Enhanced Maternity Coverage: Optional maternity extensions can provide increased coverage for maternity-related expenses.
• Additional Specialty Care: Extensions for specific medical conditions or treatments, such as physiotherapy or mental health services.

Exclusions might involve:

• Cosmetic Procedures: Non-essential cosmetic surgeries or treatments are generally excluded.
• Pre-existing Conditions: Certain policies might exclude coverage for pre-existing medical conditions during a waiting period.
• High-End or Experimental Treatments: Some advanced or experimental treatments may not be covered.

The period of insurance for International Medical Insurance Plans typically spans one year, with the option for annual renewal.

International Medical Insurance Plans don't have a fixed sum insured; they cover medical expenses up to the policy's specified limits.  

• Policy Comparison: Individuals should compare different insurance providers and policy options to find the international plan that best aligns with their healthcare needs and travel habits.
• Coverage Limits: Understanding coverage limits and policy terms helps manage expectations about the extent of coverage, especially when seeking medical care abroad.
• Network Providers: Reviewing the list of global network hospitals and medical providers ensures convenient access to medical facilities while traveling.
• Renewal: Regular renewal of the policy is essential to maintain continuous coverage and access to medical services both within the UAE and internationally.
• Regulatory Compliance: International Medical Insurance Plans fulfill the UAE's requirement for medical insurance, while also offering enhanced coverage for global healthcare needs.