Aman Health Insurance

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Aman Health Insurance

Overview

AMAN has been an active provider of Medical schemes offering amazing coverage within an affordable and reasonable cost. The covers offered under Aman Health Insurance can be customized to suit the needs of any organization.

It considers the necessary factors involved in good health insurance. This includes admission at best hospitals, quick claim settlements, clearly set out broad coverage, and medical centers and clinics. The Aman Medical Insurance works towards meeting these needs and seeks to respond to the requirements of the policyholders.

Features and Benefits of Aman Health Insurance

Written below are a few features and benefits of Aman Health Insurance Dubai.

Settlement Benefit

The members of the plan are given Aman Healthcare cards. These cards enable them the benefit of direct/cashless settlement within the extensive list of selected healthcare providers.

Geographical Scope

The members can avail healthcare services beyond the UAE with Aman Health Insurance. However, these services can be availed within the geographic scope of the coverage.

Treatment from Other Healthcare Providers

Any treatment availed from healthcare providers outside the network within the UAE is subjected to the element of coinsurance or pre-authorization (in case of Sanad Plan).

Telephone Helpline

The policyholder has a 24/7 access to the telephone helpline handled by professional medical staff from Neuron.

Types of Aman Health Insurance

Written below are the types of Aman Health Insurance.

Al Shamel

The Al Shamel Plan is designed keeping in mind the executives of Senior Management. The plan offers a comprehensive worldwide coverage (excluding Canada/USA) with a maximum limit of 1,000,000 AED per person in each policy year.

Wiqaya

The Wiqaya Plan by Aman Healthcare is designed for those companies who want to offer worldwide coverage (excluding Canada/USA) to their executives. This coverage is both affordable and comprehensive. This plan provides cover with a maximum limit of 500,000 AED per person in each policy year.

Himaya

The Himaya Plan provides a comprehensive yet economical package mainly designed for middle and senior management executives. This plan offers coverage within UAE as well as across the Middle East, Pakistan, India, Bangladesh, Philippines, and Sri Lanka. This plan provides coverage with a maximum limit of 250,000 AED per person in each policy year.

Mo’azara

Mo’azara Plan by Aman Healthcare provides sufficient protection at a competitive premium. This plan offers a regional coverage within UAE and across the Middle East, Pakistan, India, Bangladesh, Philippines, and Sri Lanka. This plan provides coverage with a maximum limit of 100,000 AED per person in each policy year.

Sanad

The Sanad Plan is designed particularly for providing comprehensive medical benefits through a network of limited healthcare providers. It is suitable for employers with a huge workforce. The plan offers cover only in the UAE with the premium kept minimum. The Sanad plan can be combined with any other plan so as to avail balanced and comprehensive health protection for all the employees. This plan provides coverage with a maximum limit of 50,000 AED per person in each policy year.

Aman Health Insurance Inclusions

Listed below are a few inclusions in the Aman Health Insurance.

Type Inclusions
        Al Shamel Emergency and Accidental Treatments beyond the cover territory
Private Hospital Accommodation Board and Room
Full Refund on In-patient Charges including dressings and prescribed drugs and fees of the physician, anesthetist, and surgeon
100 AED per night in-patient benefit of cash
Coverage of Parent/Guardian Accommodation (in case the insured is below 18 years old)
Home Nursing Care after discharge from hospital (up to 13 weeks coverage)
Full Refund on Out-patient charges including:
  • Dressings and prescribed drugs
  • Fees of physician, anesthetist, and surgeon
  • Surgical procedure
  • Fees of medical practitioner
Chronic and Pre-existing conditions covered up to the limit of annual benefit (applicable for the groups of  20 employees and more)
             Wiqaya Emergency and Accidental Treatments beyond the cover territory
Private Hospital Accommodation Board and Room
Full Refund on In-patient Charges including dressings and prescribed drugs and fees of the physician, anesthetist, and surgeon
Coverage for Intensive Care Unit
100 AED per night in-patient benefit of cash
Coverage of Parent/Guardian Accommodation (in case the insured is below 18 years old)
Home Nursing Care after discharge from hospital (up to 13 weeks coverage)
X-rays, pathology, CT scans along with MRI, chemotherapy, radiotherapy, and prescribed physiotherapy covered
Full Refund on Out-patient charges including:
  • Dressings and prescribed drugs
  • Fees of physician, anesthetist, and surgeon
  • Surgical procedure
  • Fees of medical practitioner
           Himaya Emergency and Accidental Treatments beyond the cover territory
Private Hospital Accommodation Board and Room
Full Refund on In-patient Charges including dressings and prescribed drugs and fees of physician, anesthetist, and surgeon
Coverage for Intensive Care Unit
100 AED per night in-patient benefit of cash
Coverage of Parent/Guardian Accommodation (in case the insured is below 18 years old)
Home Nursing Care after discharge from hospital (up to 13 weeks coverage)
X-rays, pathology, CT scans along with MRI, chemotherapy, radiotherapy, and prescribed physiotherapy covered
Full Refund on Out-patient charges including:
  • Dressings and prescribed drugs
  • Fees of physician, anesthetist, and surgeon
  • Surgical procedure
  • Fees of medical practitioner
         Mo’azara Emergency and Accidental Treatments beyond the cover territory
Semi-private Hospital Accommodation Board and Room
Full Refund on In-patient Charges including dressings and prescribed drugs and fees of physician, anesthetist, and surgeon
Coverage for Intensive Care Unit
Coverage of Parent/Guardian Accommodation (in case the insured is below 18 years old)
Home Nursing Care after discharge from hospital (up to 13 weeks coverage)
X-rays, pathology, CT scans along with MRI, chemotherapy, radiotherapy, and prescribed physiotherapy covered
Full Refund on Out-patient charges including:
  • Dressings and prescribed drugs
  • Fees of physician, anesthetist, and surgeon
  • Surgical procedure
  • Fees of medical practitioner
           Sanad Emergency and Accidental Treatments beyond the cover territory
Semi-private Hospital Accommodation Board and Room
Full Refund on In-patient Charges including dressings and prescribed drugs and fees of physician, anesthetist, and surgeon
Coverage for Intensive Care Unit
Coverage of Parent/Guardian Accommodation (in case the insured is below 18 years old)
Home Nursing Care after discharge from hospital (up to 13 weeks coverage)
X-rays, pathology, CT scans along with MRI, chemotherapy, radiotherapy, and prescribed physiotherapy covered
Full Refund on Out-patient charges including:
  • Dressings and prescribed drugs
  • Fees of physician, anesthetist, and surgeon
  • Surgical procedure
  • Fees of medical practitioner
Chronic and Pre-existing conditions covered up to the limit of annual benefit (applicable for the groups of  20 employees and more)

Frequently Asked Questions

Q1. Are there any additional benefits included in the Aman Healthcare Services?

Ans: Yes. The dental, maternity (only for groups), and optical benefits can be availed as optional additions on this plan.

Q2. Can I go for treatments at healthcare providers beyond the network in the UAE?

Ans: Yes. You can go for treatments outside the network of healthcare providers in the UAE. However, this is subjected to the element of coinsurance or pre-authorization.

Q3. How can I avail a direct or cashless settlement benefit within the UAE?

Ans: You can avail a direct or cashless settlement benefit within the network of selected healthcare providers in UAE through Aman Healthcare Cards.

Q4. Are the plans under Aman Medical Insurance flexible?

Ans: Yes. The plans under this medical insurance are flexible and can be modified as per suitability to the needs of the policyholder.  

Q5. Can I avail medical services outside the UAE?

Ans: Yes. You can avail medical services beyond UAE, however, within the geographical scope of the coverage.

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