Health Perfect Plan benefits at a glance…
BenefitsINTERNATIONAL REGIONAL LOCAL
Health Perfect 1
Health Perfect 2
Health Perfect 3
Health Perfect 4
Health Perfect 5
Health Perfect 6
Health Perfect 7
Area of cover Worldwide Worldwide Excluding USA
A.G.C.C: Arabian Gulf Co-operationCouncil member countries being Saudi Arabia, Kuwait, Bahrain, Qatar, UAE, Oman and Jordan, plus Iran, Lebanon, Syria, Egypt, Tunisia, Morocco, Algeria, India, Pakistan, Sri Lanka, Bangladesh, Korea, the Philippines,
Indonesia, Nepal & Bhutan
UAE plus any one of India, Pakistan, Sri Lanka, Bangladesh, the Philippines, Nepal & Bhutan
being your home country
Yearly Maximum Dhs 10,000,000 Dhs 7,500,000 Dhs 5,000,000 Dhs 2,500,000 Dhs 1,000,000 Dhs 500,000 Dhs 250,000
Outside area of cover Not required for worldwide cover
Worldwide, Up to Dhs 750,000
Worldwide, Up to Dhs 500,000
Worldwide, Up to Dhs 250,000
Worldwide, Up to Dhs 100,000
Worldwide, Up to Dhs 50,000 No benefit
Daily accommodation charges Included
Parent accommodation Dhs 1,000 per night Dhs 500 per night
Companion accommodation in case of critical illness or in case of medical necessity at the recommendation of treating doctor with Prior Approval
Dhs 100 per night
Cash benefit Dhs 1,000 per night Dhs 500 per night
In-patient Direct Billing Included
Applicable inpatient direct billing network
STAR Plus & International Directory of Hospitals
STAR & International Directory of Hospitals Diamond
GP and Specialistconsultation charges Included
Courses of physiotherapy Included
Complementary therapy up to (Includes courses of chiropractic treatment and osteopathy/alternativetreatment)
Dhs 5,000in aggregate
Dhs 4,000 in aggregate
No benefitDhs 3,000
in aggregateNo benefit
Out-patient Co-insurance (applicable on all out-patient services)
Nil 10% 10% 10% 10% 10% 10%
Out-patient direct billing (only available within the A.G.C.C.) Included
Applicable outpatient direct billing network STAR Plus STAR Diamond Crystal
Health screen Dhs 3,000 Dhs 1,000 No benefit Dhs 500 No benefit
Pre-existing conditions (including pre-existing chronic conditions) - Within UAE (overall limit inclusive of outside UAE shall not exceed Dhs 150,000)
Dhs 150,000
Pre-existing conditions (including pre-existing chronic conditions) - Outside UAE restricted to
Dhs 5,000 Dhs 5,000 Dhs 5,000 Dhs 2,500 Dhs 2,500 Dhs 2,500 Dhs 1,500
Note- Total limit for pre-existing conditions would in no case exceed Dhs 150,000 - both within UAE and outside UAE inclusive.
BenefitsINTERNATIONAL REGIONAL LOCAL
Health Perfect 1
Health Perfect 2
Health Perfect 3
Health Perfect 4
Health Perfect 5
Health Perfect 6
Health Perfect 7
Pharmacy for Pre-existing conditions (including pre-existing chronic conditions)
Dhs 5,000 Dhs 5,000 Dhs 5,000 Dhs 2,500 Dhs 2,500 Dhs 2,500 Dhs 1,500
Pharmacy for Non Pre-existing conditions Dhs 100,000 Dhs 60,000 Dhs 40,000 Dhs 25,000 Dhs 15,000 Dhs 10,000 Dhs 5,000
Oral and maxillofacial surgery Included
Nursing at home Included
Ambulance transport Included
International Emergency Medical Assistance Included No benefit
Psychiatric treatment
Dhs 15,000(A co-insuranceof 30% appliesto this benefit)
Dhs 10,000 (A coinsuranceof 30% appliesto this benefit)
Dhs 10,000(A coinsuranceof 30% appliesto this benefit)
Dhs 5,000 (A coinsuranceof 30% appliesto this benefit)
Dhs 5,000 (A coinsuranceof 30% appliesto this benefit)
Dhs 5,000 (A coinsuranceof 30% appliesto this benefit)
Dhs 5,000(A coinsuranceof 30% appliesto this benefit)
Accidental damage to teeth Included
Pre and post-natal complications Included
Out-Patient Maternity Included
In-Patient Maternity Normal Pregnancy, Childbirth (Delivery) and medically necessary Caesarean section
Dhs 50,000 Dhs 40,000 Dhs 25,000 Dhs 25,000 Dhs 15,000 Dhs 15,000 Dhs 10,000
Vaccinations for childrenup to 6 years old Included as per MOH list
Routine Dental Care
Dhs 5,000,9 month
waiting period.A co-insurance of20% applies to
this benefit.
Dhs 4,000,9 month
waiting period.A coinsuranceof 20% appliesto this benefit.
No benefit
Dhs 3,000,9 month
waiting period.A coinsuranceof 20% appliesto this benefit.
No benefit
Ancillary equipment Dhs 1,000 Dhs 500 Dhs 500 Dhs 500 Dhs 500 No benefit
Wellbeing Included No benefit
Personal Accident Dhs 150,000 Dhs 125,000 Dhs 100,000 Dhs 75,000 Dhs 50,000 Dhs 40,000 Dhs 25,000
Preventive Services (as perDHA protocol)/Diabetes
Every 3 years from age of 30.High risk individual annual from age of 18
Preventive Services (as perDHA protocol)/Papanicolaou Every 3 years from becoming sexually active
Diagnostic and treatment services for dental and Gum treatment in emergency
Included
Hearing and vision aids and vision correction by surgeries and laser in emergency
Included
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