DIC Senior Citizen Health Insurance

Dubai Insurance Company (DIC) boasts a distinguished history as the inaugural local insurance provider of the UAE. Over the years, DIC (also referred to as DIN) has established itself as a pillar of excellence in serving its clients.

Notably, the company has expanded its offerings to include specialised insurance solutions, specifically tailored for senior citizens. These DIC senior citizen health insurance plans are designed to address the unique healthcare requirements of the elderly population, ensuring they receive comprehensive coverage for medical services such as regular check-ups, hospitalisation, and critical care.

In this article, we will take a closer look at DIC senior citizen health insurance plans and understand their features, inclusions, and other relevant aspects.

DIC Senior Citizen Health Insurance Plans

Here’s a brief overview of the DIC health insurance plans available for senior citizens -

Plan	Details
Dubai Care N5	This comprehensive health plan offers coverage of up to AED 1,000,000 and a range of valuable benefits like easy access to hospitals through a streamlined referral process For out-patient services, it covers newborns, laboratory tests, dental care, vaccinations, and physician consultations In-patient services include coverage for a private room along with ambulance service for emergencies and full coverage for emergency treatments
MEDNET Silk Road	MEDNET Silk Road offers a comprehensive healthcare plan of coverage up to AED 1,000,000 with various features and waiting periods There is a waiting period for maternity coverage within the first forty calendar days from the policy's start date Pre-existing conditions must be declared on the Medical Application Form, with no waiting period for medically underwritten conditions although undeclared pre-existing conditions will not be covered during the policy period The plan provides direct access to specialists in clinics for hospital access, with its out-patient cover including coverage for newborns, laboratory tests, alternative medicine, and so forth
MEDNET Pearl	This plan, with coverage of AED 1,000,000, allows direct hospital access and covers various out-patient services, including newborn care, laboratory tests, dental treatment, and physiotherapy treatment In-patient services include private room accommodation, ambulance service in medical emergencies followed by admission, and full coverage for emergency treatment Pre-existing and chronic conditions should be declared. All the declared ones are covered with a sub-limit of AED 150,000, subject to medical underwriting.
MEDNET Emerald	Total coverage of AED 1,000,000 with comprehensive maternity coverage that includes coverage for medical emergencies related to maternity No waiting period for medical underwritten conditions Coverage for diagnostics, alternative medicine, vaccination coverage, emergency treatment, worldwide coverage
Dubai Care N3	Worldwide coverage of AED 1,000,000 with benefits like hospital cover, out-patient services, in-patient services, pre-existing and chronic conditions, diagnostics, dental and gum treatment, and so forth
MEDNET Green	Worldwide coverage of AED 1,000,000 with benefits like direct hospital access, physiotherapy, out-patient services, in-patient services such as ambulances, pre-existing and chronic conditions, diagnostics, dental and gum treatment, and more
Dubai Care N2	Worldwide coverage of AED 1,000,000 with benefits like direct hospital access physiotherapy, alternative medicine, out-patient services, diagnostics, in-patient services, pre-existing and chronic conditions, dental and gum treatment, and so on
MEDNET Silver Classic	Global coverage of up to AED 1,000,000 is provided along with a wide range of benefits like direct access to hospitals, physiotherapy, out-patient and in-patient services, emergency treatment, coverage for pre-existing and chronic conditions, diagnostics, dental and gum treatments, and more
Dubai Care Exclusive N2	You can enjoy access to worldwide coverage with a limit of AED 1,000,000 Coverage provided for direct hospital access, physiotherapy, dental and gum treatment, in-patient services, alternative medicine, coverage for pre-existing and chronic conditions, diagnostics, out-patient services like newborn cover and lab tests, and more
MEDNET Silver Premium	With a global coverage limit of AED 1,000,000, you can enjoy an array of benefits including direct hospital access, coverage for pre-existing and chronic conditions, diagnostics, dental and gum treatment, physiotherapy, out-patient services, and in-patient services, among others
Dubai Care N1	With a coverage limit of AED 1,000,000 (around the world), you can access a host of benefits such as direct hospital access, coverage for pre-existing and chronic conditions, diagnostics, dental and gum treatment, physiotherapy, alternative medicine, out-patient services, and in-patient services, and so forth
MEDNET Gold	You get covered worldwide with an annual limit of up to AED 1,000,000 in benefits This includes access to hospitals, coverage for pre-existing and chronic conditions, diagnostics, dental and gum treatment, physiotherapy, out-patient services, alternative medicine, in-patient services, and more

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DIC - Dubai Care Exclusive N2

Eligibility Criteria for DIC Senior Citizen Health Insurance

You can buy DIC senior citizen health insurance if you fulfil the following eligibility requirement -

Category	Eligibility Criteria
Maximum Entry Age	99 years

Inclusions of DIC Senior Citizen Health Insurance

Listed below are the general inclusions of DIC senior citizen health insurance -

In-patient services such as ambulance, emergency treatment, and more
Hospital accommodation
Parent accommodation
X-rays, CT scans, MRI, and more
Pre-existing and chronic conditions
Lab tests
Physiotherapy

Exclusions of DIC Senior Citizen Health Insurance

The general exclusions of DIC senior citizen health insurance are as follows -

Injuries or conditions as a result of wars
Psychiatry
Cosmetic procedures
Self-inflicted injuries
Treatment for infertility

Let’s go through some frequently asked questions related to DIC senior citizen health insurance -

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FAQ's

Ans: Several factors affect health insurance premiums such as your age, medical history, policy duration, type of occupation or job, body mass index (BMI), type of chosen plan, whether you smoke or not, and so on.

Ans: While health insurance plans can certainly be cancelled, the refund and terms will depend on the terms and conditions of your policy.

Ans: Although the exclusions of health insurance vary from one plan to another, most health insurance plans don’t cover cosmetic treatments, undeclared pre-existing conditions, services or treatments not deemed medically necessary, infertility treatments, illnesses related to alcohol and drugs, supplements, and so on.

Ans: For non-network claims, you must notify the insurer of all medical emergencies within 48 hours. In the case of a network provider, the provider will contact the insurer.

Ans: To obtain reimbursement, you must submit a completed reimbursement claim form along with paid invoices and all relevant reports.

Ans: Your insurance coverage will cease only if your visa is cancelled.

Ans: Coverage is in effect only until the policy's expiry date.

Ans: Home country treatment can be arranged in accordance with the policy's terms and conditions.