# HAYAH - Health Protect International 1 - including USA & Canada **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/hayah-health-protect-international-1-including-usa-canada/ HAYAH Health Protect International 1 - including USA & Canada ensures health insurance coverage for families, encompassing a wide range of medical services such as maternity care, outpatient/inpatient services, diagnostics costs etc. HAYAH 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 NameHealth Protect International 1 - including USA & Canada Cover AmountAED 7,400,000 Pharmacy LimitUpto AED 1,000,000 TPANAS ## HAYAH - Health Protect International 1 - including USA & Canada Details Maternity Cover Waiting Period Option A): NIL days waiting period ; Option B): 280 days waiting period Maternity Up to USD 2,800 as per Dubai DHA minimum regulation - 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 with 20% coinsurance Repatriation of Mortal Remains to Home Country Covered up to Maximum USD 4,000 per person per annum on reimbursement basis. Physician Consultation 20% co-pay with a maximum of USD 13.5 Prescribed drugs and dressings 10% Copayment In-Patient Services Room Type Private Laboratory Tests Covered up to the AML Physiotherapy Treatment Covered 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 USD 2,500 outside UAE Hospital Accommodation and related Services Covered up to the AML Cash indemnity benefit 150 USD per night applicable to all inpatient hospitalizations that are not submitted to the Insurer Intensive care unit,Emergency Ward Services Covered up to the AML Network Comprehensive Network Other Services Alternative Medicine Covered up to USD 1,400 with 10% coinsurannce Home Nursing Capped to maximum 30 days Cancer Treatment Covered Local road and air ambulance services Covered ## HAYAH - Health Protect International 1 - including USA & Canada 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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