Al Sagr Health Insurance Plans

Medical Coverage - Up to AED 150,000

Pharmacy Limit - Up to AED 1,500

Plan Details - Here are the salient features of this Al Sagr health insurance plan:

• Geographical Coverage - UAE only
• Maternity Cover - Outpatient services (subject to 10% co-insurance) and inpatient services (up to AED 7,000 for every normal delivery, up to AED 10,000 for every medically essential C-section, complications and medically essential termination)
• Newborn Cover - From 30 days from the day of birth against Hepatitis B and neonatal care tests
• Outpatient Services - AED 50 per consultation (subject to 20% co-insurance)
• Inpatient Services - Semi-private room (up to AED 450 a day), ambulance service, and attendee accommodation
• Pre-existing Medical Conditions - Subject to a waiting period of 6 months for the first scheme membership. After that, only declared pre-existing medical conditions are covered.
• Network - Outpatient Services: Nextcare - PCP; Inpatient and Emergency Services: Nextcare - RN3
• Other Services - Lab tests, physiotherapy, emergency treatment, radiology diagnostics, and more
• Essential Vaccines and Preventive Services

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Medical Coverage - Up to AED 150,000

Pharmacy Limit - Up to AED 2,000

Plan Details - Key features of this Al Sagr health insurance plan are:

• Geographical Coverage - UAE, India, and the Philippines
• Maternity Cover - Outpatient services (subject to 10% co-insurance) and inpatient services (up to AED 7,000 for every normal delivery, up to AED 10,000 for every medically essential C-section, complications and medically essential termination); waiting period of 9 months for non-working, married females
• Outpatient Services - AED 50 per consultation (subject to 20% co-insurance)
• Inpatient Services - Semi-private room (up to AED 450 a day), ambulance service, attendee accommodation (up to AED 200 per night)
• Pre-existing Medical Conditions - Subject to a waiting period of 6 months for the first scheme membership. After that, only declared pre-existing medical conditions are covered as per the annual limit.
• Network - Nextcare - RN3
• Other Services - Physiotherapy, lab tests, radiology diagnostics, emergency treatment, diagnosis and treatment related to the surgeries in hospitals
• Dental and Gum Treatment - Emergency cases only
• Hearing and Vision Aids - Emergency cases only

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Medical Coverage - Up to AED 150,000

Pharmacy Limit - Up to the Medical Cover Limit

Plan Details - Here are the main features of this Al Sagr Health Insurance Plan:

• Maternity Cover - Outpatient services (subject to 10% co-insurance) and inpatient services (up to AED 7,000 for every normal delivery, up to AED 10,000 for every medically essential C-section, complications and medically essential termination); waiting period of 9 months for non-working, married females
• Outpatient Services - AED 50 per consultation (subject to 20% co-insurance)
• Inpatient Services - Semi-private room (up to AED 450 a day), ambulance service, and attendee accommodation (up to AED 200 per night)
• Pre-existing Medical Conditions - Subject to a waiting period of 6 months for the first scheme membership - afterwards, only the declared pre-existing medical conditions are covered as per the annual limit
• Network - Outpatient Services: Nextcare - RN2 Zulekha Hospital; Inpatient Services: Nextcare - RN2
• Other Services - Physiotherapy, lab tests, radiology diagnostics, emergency treatment, diagnosis, and treatment related to the surgeries in hospitals
• Dental and Gum Treatment - Emergency cases only
• Hearing and Vision Aids - Emergency cases only
• Geographical Coverage - UAE, Middle-East, GCC, and Southeast Asia (including India)

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Medical Coverage - Up AED 250,000

Pharmacy Limit - Up to the Medical Cover Limit

Plan Details -

• Geographical Coverage - UAE, Southeast Asia (including India), GCC, and the ME
• Network - Nextcare RN
• Maternity Cover - Outpatient Services (subject to a 9 months waiting period for non-working females without continuity coverage); inpatient services (up to AED 7,000 for every normal delivery, up to AED 10,000 for every medically essential C-section, complications, and medically essential termination)
• Newborn Cover - Covered from 30 days of birth for Hepatitis B and neonatal screening test
• Dental and Gum Treatment - Only in case of emergencies
• Hearing and Vision Aids - Only in case of emergencies
• Outpatient Services - Up to AED 50 or subject to 20% co-insurance (whichever is lower); 15% co-payment for Zulekha Hospital and Al Zahraa Hospital
• Inpatient Services - Private room accommodation, ambulance service, and attendee accommodation (up to AED 200 every night)
• Other Services - Lab tests, radiology diagnostics, emergency treatment, physiotherapy, diagnosis and treatments for surgeries in the hospital
• Essential Immunisation Services

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Medical Coverage - Up to AED 500,000

Pharmacy Limit - Up to the Medical Cover Limit

Plan Details - Key features of this Al Sagr health insurance plan are:

• Geographical Coverage - Worldwide excluding the USA and Canada
• Network - Nextcare GN
• Maternity Cover - Outpatient Services (non-working, married women who are confirmed to be pregnant will be subject to a waiting period of 9 months, coverage for up to 8 visits examinations and tests as per the DHA Antenatal Care guidelines); inpatient services (AED 10,000 for every normal delivery and AED 15,000 for every medically essential C-section, pregnancy complications, and medically essential termination)
• Newborn Cover - Covered for 30 days from the date of birth against Hepatitis B, congenital adrenal hyperplasia, PKU, and more)
• Inpatient Services - Private room accommodation; surgeon’s, GP’s, specialist’s fees; medical expenses and nursing fees; prescribed medication and drugs; X-rays, diagnostic tests, pathology, oncology tests, drugs and consultant’s charges, MRI, PET, and CT Scans; ground transportation services; hospital cash benefit; attendee accommodation
• Outpatient Services - Up to AED 50 or subjected to 20% co-insurance (whatever is lower); 20% co-insurance for all outpatient services at Saudi German Hospital, Al Zahra Hospital, Mediclinic Group
• Other Services - Lab tests, radiology diagnostics, physiotherapy, and emergency treatment
• Mandatory Immunisations and Vaccines

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Medical Coverage - Up to AED 1,000,000

Pharmacy Limit - Up to the Medical Cover Limit

Plan Details -

• Geographical Coverage - Worldwide
• Network - Nextcare-GN with American Hospital
• Maternity Cover - Outpatient Services (non-working, married women who are confirmed to be pregnant will be subject to a waiting period of 9 months, coverage for up to 8 visits examinations and tests as per the DHA Antenatal Care guidelines); inpatient services (AED 15,000 for every normal delivery and AED 20,000 for every medically essential C-section, pregnancy complications, and medically essential termination)
• Newborn Cover - Covered for 30 days from the date of birth
• Dental and Gum Treatment - Covered in emergency cases only
• Hearing and Vision Aids - Covered in emergency cases only
• Inpatient Services - Private room accommodation; surgeon’s, GP’s, specialist’s fees; medical expenses and nursing fees; prescribed medication and drugs; X-rays, diagnostic tests, pathology, oncology tests, drugs and consultant’s charges, MRI, PET, and CT Scans; ground transportation services; hospital cash benefit; attendee accommodation
• Outpatient Services - Up to AED 50 or subject to 20% co-insurance (whichever is lower); 20% co-insurance for all outpatient services at Saudi German Hospital, Al Zahra Hospital, Mediclinic Group
• Other Services - Lab tests, radiology diagnostics, physiotherapy, and emergency treatment
• Mandatory Immunisations and Vaccines

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