Al Sagr Health Insurance

Al Sagr National Insurance Company or ASNIC works towards offering the most cost-effective services to their customers. It involves the benefit of professional management of the services it offers.

With expertise in the field of health insurance, the ASNIC has carefully designed a host of Al Sagr Health Insurance plans. These ASNIC health insurance products are suitable for groups as well as individuals.

The family and individual plans provide a variety of compliant products that include enhancing comprehensive, basic coverage. This coverage depends upon the visa type of the member. These insurance plans offer unique benefits that suit all the needs of the policyholder.

Top Al Sagr Health Insurance Plans in the UAE

Here are the best Al Sagr Health Insurance Plans in Dubai, UAE:

Plan Name	Medical Cover (AED)	Pharmacy Limit	Price
Steel	1,50,000	Upto AED 1,500
Bronze	1,50,000	Upto AED 2,000
Silver	1,50,000	Upto Medical Cover
Gold	2,50,000	Upto Medical Cover
Diamond	5,00,000	Upto Medical Cover
Platinum	10,00,000	Upto Medical Cover
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Features of Steel Insurance Plan

1) Maternity Cover

(a) Outpatient Maternity Services 

• Prior approval from the insurance provider required
• 9 months waiting period for non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 for each normal delivery and AED 10,000 for medically mandatory C-section and related complications

(c) New Born Cover – Provided 30 days from the date of birth

2) Outpatient Services – 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultations (whichever is less)

3) Inpatient Services – 

(a) Room Type – Semi-private room for up to AED 450 per day

(b) Ambulance Service

(c) Companion Accommodation - up to AED 200 per night stay

4) Territorial Coverage – UAE

5) Network Name –

(a) Outpatient Services – NEXTCARE-PCP

(b) Inpatient and Emergency Services – NEXTCARE-RN3

6) Other Services –

• Laboratory Test 
• Radiology Diagnostics
• Physiotherapy
• Tests, treatments, and diagnoses associated with surgeries in the hospital
• Healthcare services for emergency cases
• Emergency treatment 
• Essential vaccines and preventive services

Features of Bronze Insurance Plan

1) Maternity Cover

(a) Outpatient Maternity Services 

• Provided after prior approval from the insurance provider
• 9 months waiting period applicable for non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 for each normal delivery and AED 10,000 for medically necessary C-section and related complications

(c) New Born Cover – Covered from 30 days from the date of birth

2) Dental and Gum Treatment – Emergency treatment to save or eliminate the danger to life (subject to 20% co-insurance)

3) Hearing and Vision Aids - Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

4) Outpatient Services – 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultations (whichever is less)

5) Inpatient Services – 

• Room Type – Semi-private room for up to AED 450 per day
• Ambulance Service
• Companion Accommodation - up to AED 200 per night stay provided

6) Pre-existing and Chronic Conditions – Waiting period of 6 months

7) Network – 

• Outpatient Services – NEXTCARE-RN3
• Inpatient Services – NEXTCARE-RN3

8) Other Services –

• Laboratory Test 
• Radiology Diagnostics
• Physiotherapy
• Treatments, tests, and diagnoses related to surgeries in the hospital
• Healthcare services for emergency cases
• Emergency treatment 
• Essential vaccines and preventive services

Features for Silver 

1) Maternity Cover

(a) Outpatient Maternity Services 

• Prior approval from the insurance provider needed
• A waiting period of 9 months would apply in the case of non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 for each normal delivery and up to AED 10,000 for medically mandatory C-section and related complications

(c) New Born Cover – Covered from 30 days from the date of birth

2) Dental and Gum Treatment – Emergency treatment to save or eliminate the danger to life (subject to 20% co-insurance)

3) Hearing and Vision Aids - Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

4) Outpatient Services – 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultations (the lesser of the two)

5) Inpatient Services – 

• Room Type – Semi-private room for up to AED 450 per day
• Ambulance Service
• Companion Accommodation up to AED 200 per night stay

6) Pre-existing and Chronic Conditions – Waiting period of 6 months

7) Network – 

• Outpatient Services – NEXTCARE-RN3
• Inpatient Services – NEXTCARE-RN3

8) Other Services –

• Laboratory Test 
• Radiology Diagnostics
• Physiotherapy
• Tests, diagnoses, and treatments concerning surgeries in the hospital
• Healthcare services for emergency cases
• Emergency treatment 
• Essential vaccines and preventive services

Features of Gold Plan –

1) Maternity Cover

(a) Outpatient Maternity Services 

• Requires prior approval from the insurance provider
• 9 months waiting period for non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 for every normal delivery and AED 10,000 for medically mandatory C-section and associated complications

(c) New Born Cover – Covered from 30 days from the date of birth

2) New Born Cover – Covered from 30 days from the date of birth

3) Dental and Gum Treatment – Emergency treatment to save or eliminate the danger to life (subject to 20% co-insurance)

4) Hearing and Vision Aids - Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

5) Outpatient Services – 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultations (whichever of the two is less)

6) Inpatient Services – 

• Room Type – Private Room
• Ambulance Service
• Companion Accommodation up to AED 200 per night stay

7) re-existing and Chronic Conditions – Waiting period of 6 months

8) Network – 

• Outpatient Services – NEXTCARE-RN
• Inpatient Services – NEXTCARE-RN

9) Other Services –- 

• Laboratory Test 
• Radiology Diagnostics
• Physiotherapy – maximum 7 sessions per year
• Tests, treatments, and diagnoses associated with surgeries in the hospital
• Healthcare services for emergency cases
• Emergency treatment 
• Essential vaccines and preventive services

Features of Diamond Insurance Plan

1) Coverage Area – Worldwide (except the USA and Canada)

2) Maternity Cover

(a) Outpatient Maternity Services 

• Prior approval from the insurance provider mandatory 
• 9 months’ waiting period for non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 7,000 provided for each normal delivery and AED 10,000 for medically mandatory C-section and related complications

(c) New Born Cover – Covered from 30 days from the date of birth

3) Dental and Gum Treatment – Emergency treatment to save or eliminate the danger to life (subject to 20% co-insurance)

4) Hearing and Vision Aids - Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

5) Outpatient Services – 20% co-insurance upon outpatient consultation, AED 50 on all outpatient consultation (whichever is less)

6) Inpatient Services – 

• Room Type – Private Room
• Ambulance Service
• Companion Accommodation up to AED 200 per night stay

7) Pre-existing and Chronic Conditions – Waiting period of 6 months

8) Network – 

• Outpatient Services – NEXTCARE-RN
• Inpatient Services – NEXTCARE-RN

9) Other Services –

• Laboratory Test 
• Radiology Diagnostics
• Physiotherapy – only up to 7 sessions per year
• Diagnoses, treatments, and tests associated with surgeries in hospitals
• Healthcare services for emergency cases
• Emergency treatment 
• Essential vaccines and preventive services

Features of Platinum Plan –

1) Coverage Area – Worldwide 

2) Maternity Cover

(a) Outpatient Maternity Services 

• Prior approval from the insurance provider necessary
• Waiting period of 9 months applying in the case of non-working married women

(b) Inpatient Maternity Services – Benefit of up to AED 15,000 for each normal delivery and AED 20,000 for medically mandatory C-section and related complications

(c) New Born Cover – Covered from 30 days from the date of birth

3) Dental and Gum Treatment – Emergency treatment necessary to save a life (subject to 20% co-insurance)

4) Hearing and Vision Aids - Emergency treatment to protect or eliminate the danger to life (subject to 20% co-insurance)

5) Outpatient Services – 20% co-insurance as per outpatient consultation, AED 50 on all outpatient consultation (whichever is less) – a 10% co-insurance would apply for the American hospital

6) Inpatient Services – 

• Room Type – Private Room
• Ambulance Service
• Companion Accommodation up to AED 200 per night stay

7) Pre-existing and Chronic Conditions – Waiting period of 6 months

8) Network – 

• Outpatient Services – NEXTCARE-GN
• Inpatient Services – NEXTCARE-GN

9) Other Services –

• Laboratory Test 
• Radiology Diagnostics
• Physiotherapy – at most 7 sessions per year (requires prior approval of the insurance company)
• Tests, treatments, and diagnoses associated with surgeries in the hospital (approval needed from the insurance company or TPA)
• Healthcare services for emergency cases
• Emergency treatment (requires approval from the insurance provider within 24 hours of hospitalisation in a network hospital)
• Essential vaccines and preventive services

Network Hospital

Al Sagr Insurance Network Hospital List is primarily managed by two networks, NEXTCARE RN and NEXTCARE GN. The Gold plan is managed by NEXTCARE RN list of the provider network, the Silver and Bronze plans are managed by NEXTCARE RN2, and the Platinum and Diamond plans are managed by NEXTCARE GN.

Types of Al Sagr Health Insurance

Following are the types of Al Sagr Health Insurance Dubai Plans.

1. Abu Dhabi Health Plans (for those members who are based in Al Ain and Abu Dhabi)
2. Dubai Health Plans (for Visa holders of Dubai, based in the Emirate of Dubai)
3. North Emirates Health Plans (for the Visa holders of North Emirates)

Al Sagr Health Insurance Inclusions

Following are some of the inclusions on this Al Sagr Medical Insurance as classified under the benefits they offer.

Category	Inclusions
Out-Patient Benefits	Consultation charges for specialists as well as general practitioners Physiotherapy Cost of radiology services and prescribed laboratory Expenses on prescribed medications through licensed pharmacies
In-Patient Benefits	Charges incurred on hospitalization (accommodation & other services in the hospital) Fees charged by the doctor Medications (prescribed) Other medical costs including the Operation Theater
Additional Benefits	Optical Benefits Dental Benefits Many more additional benefits
Free of Cost Built-in Benefits	Second Medical Consultation or Opinion International Assistance

Note: The Al Sagr Health Insurance Policy includes a variety of comprehensive covers. The covers not included in this policy are the exclusions of the policy.

Al Sagr Health Insurance FAQ's

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