# HAYAH - Health Protect Restricted **Published:** 2023-08-03 **Updated:** 2025-09-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/hayah-health-protect-restricted/ Safeguard your family's health with HAYAH Health Protect Restricted, a health insurance package that covers an extensive range of medical services, encompassing maternity care, medication, pre-existing and chronic conditions, diagnostics costs, and much more. This highly customizable HAYAH Health Protect Restricted is designed to adapt to your family's specific needs and health conditions. 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 Restricted Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPANAS ## HAYAH - Health Protect Restricted Details Maternity Cover Waiting Period Option A): NIL days waiting period ; Option B): 280 days waiting period Maternity Up to AED 12,500 - 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 10 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 6 sessions per year Pre-existing conditions Covered up to AED 150,000, Treatment for chronic and pre-existing conditions: excluded for first 6 months of first scheme membership included thereafter. This requirement is waived if there is an emergency case where the cover is up to AML Hospital Accommodation and related Services Covered up to the AML Cash indemnity benefit Not Covered Intensive care unit,Emergency Ward Services Covered up to the AML Network Restricted Other Services Alternative Medicine Covered up to AED 2,500 with 10% coinsurannce Home Nursing Not Covered Cancer Treatment Covered Local road and air ambulance services Covered ## HAYAH - Health Protect Restricted 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. Other HAYAH Health Insurance Plans [HAYAH - Health Protect Comprehensive](https://www.policybazaar.ae/health-insurance/hayah-health-protect-comprehensive/) [HAYAH - Health Protect General +](https://www.policybazaar.ae/health-insurance/hayah-health-protect-general/) [HAYAH - Health Protect International 1 - excluding USA & Canada](https://www.policybazaar.ae/health-insurance/hayah-health-protect-international-1-excluding-usa-canada/) [HAYAH - Health Protect International 1 - including USA & Canada](https://www.policybazaar.ae/health-insurance/hayah-health-protect-international-1-including-usa-canada/) [HAYAH - Health Protect International 2 - excluding USA & Canada](https://www.policybazaar.ae/health-insurance/hayah-health-protect-international-2-excluding-usa-canada/) [HAYAH - Health Protect International 2 - including USA & Canada](https://www.policybazaar.ae/health-insurance/hayah-health-protect-international-2-including-usa-canada/) Best Hospitals in UAE [Al Garhoud Private Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-garhoud-private-hospital/) [Al Khaleej Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-khaleej-hospital/) [Al Mafraq Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-mafraq-hospital-abu-dhabi/) [Al Noor Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-noor-hospital-abu-dhabi/) [Al Qassimi Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-qassimi-hospital/) [Al Rahba Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-rahba-hospital-abu-dhabi/) [Al Wasl Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-wasl-hospital/) [American Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/american-hospital-dubai/) [Aster Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/aster-hospital-dubai/) [Aster Hospital Mankhool](https://www.policybazaar.ae/health-insurance/hospitals/aster-hospital-mankhool/) [Cleveland Clinic Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/cleveland-clinic-abu-dhabi/) [Dubai Hospital](https://www.policybazaar.ae/health-insurance/hospitals/dubai-hospital/) [Kings College Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/kings-college-hospital-dubai/) [Lifeline Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/lifeline-hospital-dubai/) [Lifeline Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/lifeline-hospital-sharjah/) [Medeor Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/medeor-hospital-sharjah/) [NMC Specialty Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/nmc-specialty-hospital-dubai/) [Oasis Hospital](https://www.policybazaar.ae/health-insurance/hospitals/oasis-hospital/) [Rashid Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/rashid-hospital-dubai/) [Saudi German Hospital Ajman](https://www.policybazaar.ae/health-insurance/hospitals/saudi-german-hospital-ajman/) [Saudi German Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/saudi-german-hospital-dubai/) [Sheikh Khalifa Medical City](https://www.policybazaar.ae/health-insurance/hospitals/sheikh-khalifa-medical-city/) [Thumbay Hospital Ajman](https://www.policybazaar.ae/health-insurance/hospitals/thumbay-hospital-ajman/) [University Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/university-hospital-sharjah/) [Zulekha Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/zulekha-hospital-dubai/) ### **Health Insurance Popular Searches** [Health Insurance](https://www.policybazaar.ae/health-insurance/) | [Health Insurance Cost in Dubai](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/) | [Dental Insurance](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) | [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) | [Health Insurance Abu Dhabi](https://www.policybazaar.ae/health-insurance-abu-dhabi/) | [Medical Insurance Sharjah](https://www.policybazaar.ae/health-insurance/health-insurance-in-sharjah/) | [How to check Medical Insurance status with Emirates ID](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Best Medical Insurance in UAE](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | [Health Insurance for Parents](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) | [Maternity Insurance UAE](https://www.policybazaar.ae/health-insurance/articles/maternity-insurance-in-uae/)