# DIC - Dubai Care Exclusive N2 **Published:** 2023-08-03 **Updated:** 2025-09-05 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/dic-dubai-care-exclusive-n2/ DIC Dubai Care Exclusive N2 ensures health insurance coverage for families, encompassing a wide range of medical services such as maternity care, outpatient/inpatient services, diagnostics costs etc. DIC offers flexibility and customizable features to tailor-fit your families’ needs and your budget. Regulatory credentials Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))** DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries) Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf) Information on this page is for general guidance only - not personalised financial or medical advice. Plan Summary Plan NameDubai Care Exclusive N2 Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPADubai Care ## DIC - Dubai Care Exclusive N2 Details Maternity Cover Normal delivery and caesarean section expenses are covered up to AED 10,000 Maternity Cover Normal Delivery expenses are covered up to a sub limit of AED 10,000/- , Medically necessary Caesarean Section and complication expenses are covered up to a sub limit of AED 10,000/- , Any Medical Emergency expenses related to Maternity will be covered up to a sublimit of AED 150,000/- , Out Patient eligible Maternity expenses are covered up to Annual limit - 10% co-payment applicable on all Maternity treatments, including out- patient Maternity consultation (no Deductible applies)The following screening tests are covered as per DHA Antenatal care protocol: o FBC and Platelets o Blood group, Rhesus status and antibodies o VDRL o MSU & urinalysis o Rubella serology o HIV o Hepatitis C offered to high risk patients o GTT, if high risk o FBS, Random blood sugar OR HbA1C o Ultrasonography: 3 scans Waiting Period Maternity Maternity Waiting Period - 40 days No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1. Chronic Condition New chronic condition will be covered from Day One Pre-existing diseases (PED) Covered only if declared on additional payment Additional Information No waiting period applies to the above cases upon payment of an additional premium, as per underwriting guidelines—coverage begins from Day 1. Also, for renewals, no waiting period is applicable. Hospital Access Direct access to hospital Coverage Type Full Access Out-Patient Services New Born Cover As per DHA benefit guidelines. Laboratory Tests Covered with 20% co-pay per invoiceCovered with 10% co-pay per invoiceCovered with 0% co-pay per invoice Physiotherapy Treatment Physiotherapy( Subject to Prior Approval) :-Covered up to 15 sessions/ Per member Per year - 20% Co-payment Dental Covered with pre-authorization only – Co payment 20% applicable 'Reimbursement\* - Additional 20% co-payment applicable over free access \*No reimbursement for Silk Road NW inside UAE. Alternative Medicine Covered up to AED 1,600/- PMPY Vaccinations (Adults) Covered both on Free Access & reimbursement basis Physician Consultation Covered with Co-pay of 20% max 50 per consultation In-Patient Services New Born Cover Babies born inside and out-side UAE - New born expenses are covered from Date of Birth under the mother’s card for the first 30days from date of birth upto Annual Benefit Limit of mother. New born babies will be added to the principle policy only if requested by the policy holder and is subject to Medical underwriting. Coverage for new born are in line with DHA benefit guidelines. Room Type Private Room Ambulance Service Covered ((in Medical Emergency only and if followed by admission) Emergency Treatment 100% of Actual Covered Cost Pre-existing conditions All pre-existing medical conditions should be declared in the Medical Application Form and is subject to medical underwriting. All medical underwritten conditions will have no waiting period. All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000/- Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. All adverse findings on health declarations would be priced on each case basis. In case of misrepresentation insurer reserves the right to cancel the policy. Parent Accommodation for child under 18 years For children upto 16 Years of Age - Covered maximum up to 100 AED per night Repatriation costs for the transport of mortal remains to the country of origin Covered up to AED 7,500/- Pre-Existing and Chronic Conditions All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000 Network Dubai Care Essential Vaccines & Preventive Services Alternative Medicine Diabetic Screening: Fasting Blood Sugar and HBA1C tests are covered once a policy year for eligible members Diagnostics (X-RAY, MRI, CT-SCAN) Covered with 10% co-pay per invoiceCovered with 20% co-pay per invoiceCovered with 0% co-pay per invoice Psychiatry Not Covered Alternative medicine Covered on reimbursement up to AED 1600 Dental and gum treatment Covered with 20% co pay up to AED 3500 Hearing and Vision Aid Covered only in cases of medical emergencies Physiotherapy Treatment Covered up to 15 sessions per member per year Region Coverage Worldwide ## DIC - Dubai Care Exclusive N2 Added Network Hospitals Search Plan Name Plan Name Type Type Name Address No Network Hospital is available at this Location. \*Network lists are subject to change as per the discretion of the Insurer. 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