# HAYAH - Health Protect General + **Published:** 2023-08-03 **Updated:** 2025-09-05 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/hayah-health-protect-general/ Your family's health is paramount, and HAYAH Health Protect General + offers the ideal health insurance coverage to prove it. This HAYAH Health Protect General + includes a plethora of medical services, such as maternity care, critical illness cover, dental and gum treatment, hearing and vision aids, and more. You can also make changes in your plan by including riders/ add-ons to make it more beneficial for your family. 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 NameHealth Protect General + Cover AmountAED 2,500,000 Pharmacy LimitUpto AED 1,000,000 TPANAS ## HAYAH - Health Protect General + Details Maternity Cover Waiting Period Option A): NIL days waiting period ; Option B): 280 days waiting period Maternity Up to AED 20,000 - Inclusive of Antenatal & Inpatient services for all married female employees or spouses. Inpatient services cover normal delivery, medically necessary Csection & and medically necessary termination Hearing and Vision Aids Hearing and vision aids, and vision correction by surgeries and laser Covered up to the AML In case of emergency only Coverage Type Full Access Out-Patient Services Out-patient Maternity Services Covered Laboratory Tests 10% Copayment Physiotherapy Treatment Covered up to 20 Sessions PMPA & subject to 20% coinsurance Repatriation of Mortal Remains to Home Country Covered up to Maximum AED 10,000 per person per annum on reimbursement basis. Physician Consultation 20% co-pay with a maximum of AED 50 Prescribed drugs and dressings 10% Copayment In-Patient Services Room Type Private Laboratory Tests Covered up to the AML Physiotherapy Treatment Maximum of 10 sessions per year Pre-existing conditions Covered up to Plan AML ,Treatment for chronic and pre-existing conditions: o excluded for first 6 months of first scheme membership, included thereafter Combined Limit AED 2,500 outside UAE Hospital Accommodation and related Services Covered up to the AML Cash indemnity benefit AED 250 per night applicable to all inpatient hospitalizations that are not submitted to the Insurance Company Intensive care unit,Emergency Ward Services Covered up to the AML Network General+ Network Other Services Alternative Medicine Covered up to AED 3,000 with 10% coinsurannce Home Nursing Covered up to maximum AED 3,000 per person per annum subject to prior apporval. Cancer Treatment Covered Local road and air ambulance services Covered ## HAYAH - Health Protect General + 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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