Health Insurance Plan

Benefits	Essential Plan	Enchanced Plan	Elite Plan
Health Insurance Fees	AED 480	AED 525	AED 630
Annual maximum limit person	AED 50,000 (max AED 15,000 per in-patient encounter	AED 75,000 (max AED 25,000 per in-patient encounter	AED 150,000 (max AED 50,000 per in-patient encounter
In-patient service at designated network hospital	Sublimit: AED 45,000 with no coinsurance	Sublimit: AED 65,000 with no coinsurance	Sublimit: AED 130,000 with no coinsurance
Out-patient service in network provider	Sublimit: AED 5,000	Sublimit: AED 10,000	Sublimit: AED 20,000
Pre-existing/chronic condition per person per year - limit for in patient	Not covered	Sublimit: AED 10,000	Sublimit: AED 25,000
Pre-existing/chronic condition per person per year - limit for out-patient	Not covered	Sublimit: AED 5,000	Sublimit: AED 10,000
Maternity	Not covered	Not covered	Covered
Physiotherapy	Covered upto 6 sessions per person per year with 20% coinsurance	Covered upto 6 sessions per person per year with 20% coinsurance	Covered upto 8 sessions per person per year with 20% coinsurance
Emergency outside network with in UAE till the patient is stabilised	Not covered	6 working days	9 working days
Waiting period/pre-existing & chronic ailments (in-patient & out-patient)	Not covered	12 months	12 months
Claim submission period	Within 30 days of availing the treatment	Within 45 days of availing the treatment	Within 45 days of availing the treatment