Al Sagr National Insurance
What Flexi Gold Option 2 does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 500,000
Medical network
NEXTCARE — RN
Consultation
AED 50/-
Pharmacy
Covered
Get your price to download this plan's Table of Benefits and your quote.
Medical Network
NEXTCARE — RNZulekha Hospital is subject to 15% co-insurance on outpatient services and their respective in-hospital pharmacies, except for consultation which is set at AED 50.
Annual Limit per Person
AED 500,000
Area of Coverage
Worldwide Including USA & Canada
In-patient Services
Covered. Deductible for In-Patient Services: NIL
Out-patient Services
Covered
Hospital Accommodation
Private Room
Consultation Deductible (Co-Pay)
AED 50/-
Diagnostics & Laboratory Services
Covered
Medicine Limit
Covered
Maternity
In-patient: 10% coinsurance payable by the insured Maximum benefit 10,000 AED per normal delivery, 10,000 AED for medically necessary C-section, complications and for medically necessary termination (All limits include coinsurance). Waiting Period: 9 Months waiting period applicable for all females regardless of spouse/Employee. where any conditions develops which becomes an emergency, the medically necessary expenses will be covered up to Max Limit AED 150,000/-PPPY. Out-patient: 10% Copay , Maximum 8 visits checks and tests in accordance with DHA Antenatal Care Protocols Waiting Period: 9 Months waiting period applicable for all females regardless of spouse/Employee.
Women and maternity on this plan
Women's premiums on this plan are higher than men's, whether or not they are married.
Get a quote to see the amount for your family.
Alternative Medicines
Not coveredPhysiotherapy
Covered up to 15 sessions per ailment/condition per person per year
Psychiatric Treatment
Not coveredHome Nursing
Covered up to a limit of AED 3,000/- for a period not exceeding 30 days in aggregate. Immediately following Hospital discharge on the recommendation of a specialist and must be provided by a qualified nurse. All treatments under this benefit must be pre-authorized by us.
Routine Dental Benefits
Covered up to a limit of AED 2,000/- with 20% co-ins(limit including co-ins) Direct billing only. ( under Network facilities )
Routine Optical Benefits
Covered up to a limit of AED 1000/- with 20% co-ins (limit including co-ins) Direct billing only. Under Network facilities, covered services includes: 1. Optical examination for errors of refraction. 2. One pair of prescribed lenses &/or contact lenses 3. Frames
Pre-existing / Chronic Conditions
All cases which is confirmed to be new episode with no pre-existing history for diseases defined as chronic by etiology, ASNIC would cover the acute episode IP treatment under the policy aggregate limit, and any subsequent chronic maintenance of this disease would be managed under the chronic sublimit Pre-existing Conditions(Covered after 1 Year) In patient : up to annual limit . Out-patient : up to Limit AED 5,000 Chronic Medical Conditions(Covered if not Pre-existing and sub -limited ) Up to AED 10,000
Emergency Road Ambulance Services
Limited to AED 500/-
Repatriation of Mortal Remains
Covered up to a limit of AED 7,500/-
Within the Network (Direct Billing)
Direct Billing Basis
Outside the Network (Reimbursement)
Reimbursement Basis. Elective treatment outside the network: 20% Co-insurance subject to UCR Network Charges
Emergency Treatment
Emergency treatment Outside the Network within UAE or within geographical scope (Life threatening cases): Covered in full on Direct and or reimbursement basis
Air-Ticket for Insured Member
AED 2,000 Insured patient only. Return Air Fare to Patient for Surgery in Home Country ( if treatment is not available in the country of residence or the treatment expense is up to 50% of the cost in UAE ). Pre-approval from ASNIC required
Cancer Treatments
Covered
Cash indemnity for in-patient stays
Covered up to AED 300/- per day. When treatment is received as an In-Patient for an eligible Medical Condition in a Government Hospital, where no costs were incurred for accommodation and/or for treatment, then this benefit pays for a daily cash benefit for In-Patient stay more than 3 days. This benefit is not applicable for Accident & Emergency admissions.
Follow-up consultation co-pay (within 7 days)
Free follow up with the same doctor for the same ailment within seven days.
Elective Treatment
Elective Treatment Outside the Network within UAE / outside UAE within Geographical scope: 20% Co-insurance subject to UCR Network Charges (UCR charges are as per the discretion of the insurer) on Reimbursement.
Emergency dental (accidental damage)
Covered in Full
Hearing Emergencies
Not coveredInfluenza Vaccine
Not coveredNew Born baby coverage
Not coveredOut Patient Surgery
Covered
Preventive services (members over 18)
Not coveredOrgan transplantation (recipient only)
Kidney transplant only. (Cost of organ is not covered) Hospital expenses covered up to AED 20,000/- only. Dialysis is not covered
Vision Emergencies
Not coveredBenefits this plan adds beyond the rows compared above.
