# Orient - E-Med **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/orient-e-med/ Safeguard your family's health with Orient E-Med, 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 Orient E-Med 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 NameE-Med Cover AmountAED 150,000 Pharmacy LimitUpto AED 2,500 TPANextcare ## Orient - E-Med Details Maternity Cover 10% co-payment payable by the insured.6 months ( any pregnancy, which arises within 6 months from policy inception will be at the discretion of the insurer)10% co-payment payable by the Policy Holder. 8 Check-ups + 3 ante-natal ultrasound scans are covered at the Primary Health Care Centre. (All Care provided by Primary Health care obstetrician for low risk or specialist obstetrician for high risk referrals.) Waiting Period Maternity 6 months waiting period applies -for first scheme membership -in case of new entrant to UAE and/ or no continuity of cover (COC ) provided. No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1. Chronic Condition Waiting period of 6 months Pre-existing diseases (PED) Covered only if declared on additional payment Additional Information No waiting period applies to the above cases upon payment of an additional premium, as per underwriting guidelines—coverage begins from Day 1. Also, for renewals, no waiting period is applicable. Hospital Access Referral procedure to be followed:- Customer has to visit GP, after GP refers then customer can visit the specialist in clinics. Dental and Gum Treatment Co-Payment 20% co-payment. Hearing and Vision Aids Co-Payment 20% co-payment. Coverage Type GP Clinic In-Patient Services Room Type In-patient services will be received in rooms of two or more beds Ambulance Service Ground transportation services in the UAE provided by an authorized party for medical emergencies. Companion Accomodation Maximum AED 100 per night. (The cost of accomodating a person accompanying an insured child up to the age of 16 years.)Maximum AED 100 per night. (The cost of accommodation of a person accompanying an in-patient in the same room in case of medical necessity at the recommendation of the treating doctor and after the prior approval of the insurance company providing coverage.) Pre-Existing and Chronic Conditions All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000/-, Undeclared pre-existing and Chronic conditions will not be covered during the policy periodAny new Chronic condition will have a waiting period of 12 months. Network Network - PCP C Other Services Radiology diagnostic 20% coinsurance payable by the insured (In Case of non-medical emergiencies, the insurance company's prior approval is required for MRI, CT scans and endoscopies.) Physiotherapy Treatment YES (Prior approval of the insurance company is required.)Maximum 6 sessions per year. Test, diagnosis, treatments related to surgeries in hospitals Prior approval required from the insurance compay / TPA. Emergency Treatment Approval required from the insurance company within 24 hours of admission to the authorized hospital. Healthcare services for emergency cases Prior approval required from the insurance company (Prior approval required from the insurance company Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion preriod this must be covered up to the annual aggregate limit.) Medication Co-Payment 30% co-payment (co-payment by the insured in respect of each and every prescription.) Limit AED 2500 Annually Description No cover for drugs and medicines in excess of the annual limit. Restricted to a list of formulary products where available at the physician and the pharmacist. Diagnostics (X-RAY, MRI, CT-SCAN) Covered up to 20% co-payment only in case of emergencies Psychiatry Not Covered Alternative medicine Not Covered Dental and gum treatment 30% copayment, coverage up to AED 500 Hearing and Vision Aid In case of emergency only. Physiotherapy Treatment Maximum 6 sessions per year. Region Coverage UAE & Home Country ## Orient - E-Med Added Network Hospitals Search Plan Name Plan Name Type Type Name Address Ahalia Hospital (PCP C - General Practitioner Only) (Hospitals) Ahalia Hospital, Hamdan Street, P.O. Box - 2419 - 26262666 Al Ahli Hospital Company LLC-Branch 1 (PCP C - General Practitioner Only) (Hospitals) Ahalia Hospital, Tariff Road , M-24, Mussafah, P.O. Box - 2419 - 28119119 Al Dhannah Hospital (Ex Al Ruwais Hospital - AUH) (PCP C - General Practitioner Only) (Hospitals) Abu Dhabi, Ruwais, Near Ruwais Mall - 8007267 Burjeel Farha Hospital L.L.C. Ex Medeor 24X7 International Hospital LLC (PCP C - General Practitioner Only) (Hospitals) Asharej Commercial Residential Center Opp line of Al Markhania Mall Bida Bin Ammar Aharej Al Ain - 7099000 Life Line Hospital Al Musafah L.L.C (ex- Lifeline Hospital - Day Care Surgery) (PCP C - General Practitioner Only) (Hospitals) Po Box No 92313,16Th, Street, Sanayya 7, Industrial Area, Musaffah, Abu Dhabi, United Arab Emirates (Uae) - 80055 Lifecare Hospital - LLC - AUH (PCP C - General Practitioner Only) (Hospitals) Near Al Raha Village, Mafraq,Baniyas - 80055 Lifecare Hospital Musaffah - Branch 1 (PCP C - General Practitioner Only) (Hospitals) M-24, Near Workers Village Opposite Adnoc Petrol Pump, Musaffah - 80055 LifeLine Hospital (PCP C - General Practitioner Only) (Hospitals) Al Marwa Tower, Electra Street Abu Dhabi - 80055 Specialized Medical Care Hospital (PCP C - General Practitioner Only) (Hospitals) Al Jahili Area, Near Transport Authority, Al Ain Abu Dhabi - 76552291 Ajman Specialty General Hospital (PCP C - General Practitioner Only) (Hospitals) New Vegetable Market, Hamedeya St., New Industrial Zone,Ajman - 7484999 \*Network lists are subject to change as per the discretion of the Insurer. 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