DIC - Pearl

Secure your family's well-being with DIC Pearl, an exclusive health insurance package covering a diverse range of health services, such as critical illness cover, dental and gum treatment, pre-existing and chronic conditions, psychiatry and beyond. This highly flexible DIC Pearl can be customized to perfectly meeting your preferences. ...read more

Worldwide Coverage

Wide Choices

Expert Advice

Plan Summary

Plan NamePearl

Cover AmountAED 1,000,000

Pharmacy LimitUpto AED 1,000,000

TPAMEDNET

DIC - Pearl 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 Waiting Period

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 Waiting Period

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 0% co-pay per invoiceCovered with 10% co-pay per invoice Covered with 20% 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.

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)

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/-