S. No.

Benefits

Aggregate Limit
Under the terms and conditions of the plan,
we will pay necessary, customary and
reasonable expenses up to an overall
maximum, per insured member per year.

Area of Cover

Eligibility

Network

5
6

Age Limit
Deductible for Out-Patient Services
Treatment Outside the Network

If treatment is taken outside the network for

eligible medical condition covered under the
policy, reimbursement would be allowed
subject to 20% Co-insurance based on Usual,
Customary and Reasonable ( UCR ) Network
Charges.
( UCR charges are as per the discretion of the
insurer )

Claims Settlement Basis

( as per Usual, Customary and Reasonable

Charges of the Network in UAE ).

Flexi Plus Platinum

Flexi Plus Diamond

AED 1,500,000/=

AED 750,000/=

UAE, GCC, ME, SEA

including Indian Subcontinent
All UAE residents
All UAE residents
(UAE Nationals &
(UAE Nationals &
Expatriates having a Valid Expatriates having a Valid
Residence Visa)
Residence Visa)
Worldwide excluding USA
& Canada

Flexi Plus - Gold Flexi Plus - Silver

AED 250,000/=

AED 150,000/=

UAE, GCC, ME, SEA

including Indian Subcontinent
All UAE residents
(UAE Nationals &
Expatriates having a
Valid Residence Visa)

UAE, GCC, ME, SEA

including Indian Subcontinent
All UAE residents
(UAE Nationals &
Expatriates having a Valid
Residence Visa)

GN + AH

GN

RN

RN2

Treatment in
American Hospital *15% Co
Insurance in Op only

Treatmant in Mediclinic Group &

Al Zahra Group *15% Co
Insurance in Op only

Treatment in
Zulekha Hospital *15% Co
Insurance in Op only

Treatment in
Zulekha Hospital *15% Co
Insurance in Op only

0 to 70 Years

0 to 70 Years

0 to 70 Years

0 to 70 Years

AED 50/=

AED 50/=

AED 50/=

AED 50/=

20% Co-insurance subject

to UCR Network Charges

20% Co-insurance subject

to UCR Network Charges

Treatment out-side the

Network is not allowed
and will not be
reimbursed.

Treatment out-side the

Network is not allowed
and will not be
reimbursed.

Within the Network

on Direct Billing Basis

Within the Network

on Direct Billing Basis

Within the Network

on Direct Billing Basis

Within the Network

on Direct Billing Basis

Outside the Network on

Reimbursement Basis

Outside the Network on

Reimbursement Basis

Outside the Network on

Reimbursement Basis
( if eligible )

Outside the Network on

Reimbursement Basis
( if eligible )

*15% Co Insurance in Op only ( All Op except Consultations)

In-Patient Treatment
a

Accidents and emergencies, intensive care

and theatre costs

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Hospital Accommodation ( Room Charges )

Private Room
Covered

Private Room
Covered

Private Room
Covered up to
AED 750/= per day

Semi - Private Room

Covered up to
AED 450/= per day

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered in Full

c
d
e
f

g
h
i
j

Nursing Fees, medical expenses and ancillary

charges
Surgeons', consultants, anaesthetist',
specialists' , General Practitioners' fees
Prescribed Medicine and drugs
Reconstructive surgery following an accident
or following surgery for an eligible medical
condition
Prostheses: artificial body parts surgically
implated to form permanent parts of an
insured member's body
MRI, PET, CT Scans
X-Rays, Pathology, diagnostic tests and
procedures
Oncology tests, drugs and consultants' fees
including cover for chemotherapy and
radiotheraphy
Physiotherapy recommended / referred by a
General Practitioner or a Specialist,

Parent accommodation
l

Hospital accomodation cost in respect of a

parent or legal guardian staying with an Insured
member who is under 18 years of age and is
admitted to a Hospital as an In-Patient.

Covered up to
AED 200/= per day

Covered up to
AED 200/= per day

Covered up to
AED 200/= per day

Covered up to
AED 200/= per day

Covered in Full

Covered in Full

Covered in Full

Covered in Full

Covered up to
AED 300/= per day

Covered up to
AED 300/= per day

Covered up to
AED 200/= per day

Covered up to
AED 200/= per day

NIL

NIL

NIL

NIL

Accidental Damage to Teeth

m

Treatment recevied in an Emergency room in a

Hospital within 48 hours of incurring Accidental
damage caused to sound, natural teeth as a
result of an Accident.

Hospital Cash Benefit

When treatment received as an In-Patient for

an eligible Medical Condition in a Government
Hospital, where the no costs were incurred for
accommodation and/or for treatment, then this
benefit pays for a daily cash benefit for InPatient stay more than 3 day.
This benefit is not applicable for Accident &
Emergency admissions.

Deductible for ( In-Patient Services )

o

( Applicable if treatment is taken in a facility

in-side/outside the Network of providers )

Out-Patient & Day-care

Treatment
Deductible for ( Out-Patient Services )
p

r
s

u
v
w
x

( Applicable if treatment is taken in a facility

inside/outside the Network of providers )

Primary Consultation and treatment to

include General Practitioners' fees,
prescribed medicines, drugs and dressings
X-ray, pathology, diagnostic tests and
procedures
Specialist or Consultant fees for consultation
with prescribed medicines, drugs and
dressings
Physiotherapy recommended / referred by a
General Practitioner or a Specialist,
Oncology tests, drugs and consultants' fees
including cover for chemotherapy and
radiotheraphy
MRI, PET, CT Scans
Out-Patient Surgical Operations
Post - Hospitalization Treatment

AED 50/= Per Visit

AED 50/= Per Visit

AED 50/= Per Visit

AED 50/= Per Visit

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered

Covered
Covered
Covered

Covered
Covered
Covered

Covered
Covered
Covered

Covered
Covered
Covered

Up to AED 25,000

Up to AED 15,000

Up to AED 10,000

Up to AED 5,000

In patient : upto annual

limit .
Out patient : upto Limit
AED 15,000

In patient : upto annual

limit .
Out patient : upto Limit
AED 10,000

In patient : upto annual

limit .
Out patient : upto Limit
AED 5,000

In patient : upto annual

limit .
Out patient : upto Limit
AED 3,000

Limited to AED 1,000/=

Limited to AED 750/=

Limited to AED 500/=

Limited to AED 250/=

Covered upto a limit of

AED 15,000/=

Covered upto a limit of

AED 10,000/=

Covered upto a limit of

AED 7,500/=

Covered upto a limit of

AED 5,000/=

Covered up to a limit of
AED 25,000/=

Covered up to a limit of
AED 15,000/=

Covered up to a limit of
AED 10,000/=

Not Covered

Covered upto a limit of

AED 4,000/=

Covered upto a limit of

AED 2,500/=

Covered upto a limit of

AED 1,000/=

Chronic Medical Conditions

y
Covered if not Pre-existing and sub -limited
Pre-existing Conditions
z

Covered after 2 years of continuous cover

with ASNIC
Emergency Local Ambulance

aa

Cost of road ambulance transport required

due to an emergency or medical necessity to
the nearest available and appropriate local
hospital.
Repatriation of Mortal Remains

In the event of death, the cost of preparation

and air transportation of the body, mortal
remains or the ashes of an insured person,
ab
from the place of death to the home country
or the preparation and local burial or
cremation of the mortal remains of the
insured person, who dies outside the home
country.
Maternity Benefit
ac
(with 12 months waiting period )
Nursing at Home

Covered upto a limit of

Immediately following Hospital discharge on
AED 5,000/=
ad
the recommendation of a specialist and
must be provided by a qualified nurse. All for a period not exceed 30
treatments under this benefit must be predays in aggregate.
authorized by us.

for a period not exceed 30

days in aggregate.

for a period not exceed for a period not exceed 30

30 days in aggregate.
days in aggregate.

Reconstructive Surgery

ae

Reconstructive surgery following an Accident

or following surgery for an eligible medical
conditions, which is not pre-existing and the
incident has not occurred prior to
commencing this cover under the policy.
Renal Disorder
( Kidney Transplant Only )

af

(Cost of organ not Covered)

Hospital Expense for person donating an

Organ for Transplant ( Kidney )

Covered in Full

Covered in Full

Hospital Expenses
Covered.

Hospital Expenses Covered.

Dialysis ( pre & post )

operative covered.

Dialysis ( pre & post )

operative covered.

Covered in Full

Covered in Full

Hospital Expenses
Covered upto AED
20,000/= only

Hospital Expenses
Covered upto AED
15,000/= Only

Dialysis not covered

Dialysis not covered

Covered Up to AED
15,000/=

Covered Up to AED
10,000/=

Not Covered

Not Covered

Covered up to a limit of
AED 2,000/= with AED
100/= as deductible

Not Covered

Not Covered

Not Covered

Covered up to a limit of
AED 200/= for a pair of
lenses

Not Covered

Not Covered

Not Covered

Covered up to a limit of
AED 10,000/= after 2
years of Continuous cover
with ASNIC

Covered up to a limit of
AED 6,000/= after 2 years
of Continuous cover with
ASNIC

Not Covered

Not Covered

Not Covered

Not Covered

Not Covered

Not Covered

Not Covered

Not Covered

Dental Cover

ag

Below dental procedures excluding any

surgeries.
Root Canal, Fillings, Extractions, Antibiotics
for Infection of Gums Consultation and Xray.
Optical Cover

ah
Cover for a pair of lenses only.
Optical Cover Extension
ai

Surgery for Cataract

Eligibility : only after a continuous cover
with ASNIC for 2 years

Available from 3rd Year of Available from 3rd Year of

insurance cover for female insurance cover for female
aj
Annual Breast Screening
members above the age of members above the age of
35 years and within our
35 years and within our
Network
Network
Available from 3rd Year of Available from 3rd Year of
insurance cover for Male
insurance cover for Male
ak
Annual Prostate Screening
members above the age of members above the age of
45 years and within our
45 years and within our
Network
Network
AED 2,000/=
AED 2,000/=
Return Air Fare to Patient for Surgery in
Plus
Plus
Home Country
al
AED 2,000/= for
None
( if treatment is not available in the country of
accompanying Family
for Accompanying Family
residence or the treatment expense is up to 50%
of the cost in UAE ).
Member
Member

Exclusions

Standard Individual Policy Exclusions would apply.

LIMITED PERIOD
EXCLUSIONS
Limited Period Exclusions
applicable for first 2 years of being covered
with ASNIC
x

Applicable to all categories Applicable to all categories

( Health services of the following conditions
/ illness / ailments ) are not covered for the
first 2 years of commencing the policy for
all insured members

a.1

Cataracts

a.2

Prostatic Hypertrophy Tumors/Benign

a.3

Hysterectomy for Menorrhagia or

Fibromyoma

a.4

Hernia and Hydrocele

a.5

Varicose Viens and Varicocele

a.6

Piles, Fistula in anus, Fissure

Surgeries for : Sinusitis and related

Disorders
Arthritis, Gout, Rheumatism and Spinal Disc
a.8
Disorders.
Joint Replacement, unless arising out of
a.9
accidents

a.7

a.10

Stone in urinary and biliary systems

a.11

Dilatations & Currettage

a.12

Skin and all internal tumors / cysts/

nodules / polyps of any kind, including
breast lumps, adenoids and hemorrhoids

a.13

dialysis required for chronic renal failure

a.14

surgery on Tonsils, adenoids and sinuses

a.15

Gastric and deodenal ulcers

a.16

Circumcision, unless necessary for the

treatment of a disease not othersise
excluded or required as a result of
accidental bodily injury

Not Covered for first 2

Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years

Not Covered for first 2 Years

Not Covered for first 2 Years
Not Covered for first 2 Years
Not Covered for first 2 Years
Not Covered for first 2 Years
Not Covered for first 2 Years
Not Covered for first 2 Years
Not Covered for first 2 Years
Not Covered for first 2 Years
Not Covered for first 2 Years
Not Covered for first 2 Years

Applicable to all
categories

Applicable to all categories

Not Covered for first 2

Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years

Not Covered for first 2

Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years
Not Covered for first 2
Years

Not Covered for first 2

Years

Not Covered for first 2 Years

Not Covered for first 2

Years

Not Covered for first 2

Years

Not Covered for first 2

Years
Not Covered for first 2
Years
Not Covered for first 2
Years

Not Covered for first 2

Years
Not Covered for first 2
Not Covered for first 2 Years
Years
Not Covered for first 2
Not Covered for first 2 Years
Years

Not Covered for first 2

Years
Not Covered for first 2
Years
Not Covered for first 2
Years

Not Covered for first 2

Years

Not Covered for first 2 Years

Not Covered for first 2

Years

Not Covered for first 2

Years

Not Covered for first 2 Years