Health Perfect Plan benefits at a glance

Benefits

Area of cover

INTERNATIONAL
Health
Perfect 1

Health
Perfect 2

Worldwide

REGIONAL
Health
Perfect 3

LOCAL

Health
Health
Health
Health
Perfect 4
Perfect 5
Perfect 6
Perfect 7
A.G.C.C: Arabian Gulf Co-operation
Council member countries being Saudi
plus any one of India,
Arabia, Kuwait, Bahrain, Qatar, UAE, UAE
Oman and Jordan, plus Iran, Lebanon, Pakistan, Sri Lanka, Bangladesh,
Syria, Egypt, Tunisia, Morocco, the Philippines, Nepal & Bhutan
being your home country
Algeria, India, Pakistan, Sri Lanka,
Bangladesh, Korea, the Philippines,
Indonesia, Nepal & Bhutan

Worldwide Excluding USA

Yearly Maximum

Dhs 10,000,000 Dhs 7,500,000

Outside area of cover

Not required for Worldwide, Up to Worldwide, Up to Worldwide, Up to Worldwide, Up to Worldwide, Up to

worldwide cover
Dhs 750,000
Dhs 500,000
Dhs 250,000
Dhs 100,000
Dhs 50,000

Dhs 5,000,000

Daily accommodation charges

Dhs 1,000 per night

Companion accommodation
in case of critical illness or in
case of medical necessity at
the recommendation of treating
doctor with Prior Approval

Included
STAR Plus & International
Directory of Hospitals

STAR & International Directory of Hospitals

Included

Courses of physiotherapy

Included
Dhs 5,000
in aggregate

Dhs 4,000 in
aggregate

No benefit

Dhs 3,000
in aggregate

Nil

10%

10%

10%

Diamond

No benefit

10%

10%

10%

STAR

Diamond

Crystal

Dhs 500

No benefit

Included
STAR Plus
Dhs 3,000

Dhs 1,000

No benefit

Pre-existing conditions
(including pre-existing chronic
conditions) - Within UAE (overall
limit inclusive of outside UAE
shall not exceed Dhs 150,000)
Pre-existing conditions
(including pre-existing chronic
conditions) - Outside UAE
restricted to

No benefit

Dhs 500 per night

GP and Specialist
consultation charges

Health screen

Dhs 250,000

Dhs 500 per night

Dhs 1,000 per night

In-patient Direct Billing

Applicable outpatient direct

billing network

Dhs 500,000

Dhs 100 per night

Cash benefit

Complementary therapy
up to (Includes courses of
chiropractic treatment and
osteopathy/alternative
treatment)
Out-patient Co-insurance
(applicable on all out-patient
services)
Out-patient direct billing (only
available within the A.G.C.C.)

Dhs 1,000,000

Included

Parent accommodation

Applicable inpatient direct

billing network

Dhs 2,500,000

Dhs 150,000

Dhs 5,000

Dhs 5,000

Dhs 5,000

Dhs 2,500

Note- Total limit for pre-existing conditions would in no case exceed Dhs 150,000 - both within UAE and outside UAE inclusive.

Dhs 2,500

Dhs 2,500

Dhs 1,500

Benefits
Pharmacy for Pre-existing
conditions (including preexisting chronic conditions)
Pharmacy for Non Pre-existing
conditions

INTERNATIONAL

REGIONAL

Health
Perfect 2

Health
Perfect 3

Health
Perfect 4

Health
Perfect 5

Health
Perfect 6

Health
Perfect 7

Dhs 5,000

Dhs 5,000

Dhs 5,000

Dhs 2,500

Dhs 2,500

Dhs 2,500

Dhs 1,500

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
Psychiatric treatment

Included
Dhs 15,000
(A co-insurance
of 30% applies
to this benefit)

Dhs 10,000
(A coinsurance
of 30% applies
to this benefit)

Dhs 10,000
(A coinsurance
of 30% applies
to this benefit)

No benefit

Dhs 5,000
(A coinsurance
of 30% applies
to 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

Vaccinations for children

up to 6 years old

Dhs 25,000

Dhs 5,000
(A coinsurance
of 30% applies
to this benefit)

Dhs 5,000
(A coinsurance
of 30% applies
to this benefit)

Dhs 5,000
(A coinsurance
of 30% applies
to this benefit)

Dhs 15,000

Dhs 15,000

Dhs 10,000

Included as per MOH list

Routine Dental Care

Dhs 5,000,
9 month
waiting period.
A co-insurance of
20% applies to
this benefit.

Dhs 4,000,
9 month
waiting period.
A coinsurance
of 20% applies
to this benefit.

No benefit

Dhs 3,000,
9 month
waiting period.
A coinsurance
of 20% applies
to this benefit.

Ancillary equipment

Dhs 1,000

Dhs 500

Dhs 500

Dhs 500

Wellbeing
Personal Accident

LOCAL

Health
Perfect 1

No benefit

Dhs 500

Included
Dhs 150,000

Dhs 125,000

No benefit
No benefit

Dhs 100,000

Dhs 75,000

Dhs 50,000

Preventive Services (as per

DHA protocol)/Diabetes

Every 3 years from age of 30.

High risk individual annual from age of 18

Preventive Services (as per

DHA 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

Dhs 40,000

Dhs 25,000