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

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AED 1 million Health cover starting @4/Day

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Self Only
Both Self and Family
Family without Self
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Worldwide Coverage
21+ Insurers to Select From
Claim Assistance
<span>Cover Up to 37 Critical Illnesses</span>
Cover Up to 37 Critical Illnesses
<span>Covid-19 Covered</span>
Covid-19 Covered
<span>Claim Assistance</span>
Claim Assistance
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
any pregnancy, which arises within forty calendar days from the date of policy issuance, shall not be covered under this policy under any condition
Chronic Condition Waiting Period
All medical underwritten conditions will have no waiting period. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal.
Pre-existing diseases (PED)
Covered only if declared on additional payment
Hospital Access
Direct access to hospital
Coverage Type
Clinic + Hospital 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/-
Pre-Existing and Chronic Conditions
All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000
Network
MEDNET Pearl
Essential Vaccines & Preventive Services
Vaccine
As per DHA guidelines Covered once per annum on direct billing at designated clinics only. (For Dubai members)
Diagnostics (X-RAY, MRI, CT-SCAN)
Covered with 0% co-pay per invoiceCovered with 10% co-pay per invoiceCovered with 20% co-pay per invoice
Psychiatry
Not Covered
Alternative medicine
Covered on reimbursement up to AED 1600
Dental and gum treatment
Covered
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 - Pearl Added Network Hospitals

Name
Address
No Network Hospital is available at this Location.

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