# Orient - Emerald **Published:** 2023-08-03 **Updated:** 2025-09-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/orient-emerald/ Safeguard your family's health with Orient Emerald, 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 Emerald 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 NameEmerald Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Orient - Emerald Details Maternity Cover 10% co-payment payable by the insured. Waiting Period Maternity Maternity Waiting Period 40 days No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1. Chronic Condition New chronic condition will be covered from Day One Pre-existing diseases (PED) 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. Dental and Gum Treatment Co-Payment 20% Copay Covered with sub-limit of AED 3500 Hearing and Vision Aids Co-Payment 20% co-payment. Coverage Type Full Access In-Patient Services Room Type Private Room Ambulance Service Ground transportation services in the UAE provided by an authorized party for medical emergencies. Companion Accomodation Covered (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.) Territorial Scope Of Coverage Coverage Worldwide 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 period Network MEDNET Emerald Other Services Radiology diagnostic Nil Co Insurance10% Co Insurance Physiotherapy Treatment Prior approval of the insurance company is required.Maximum 15 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 0% co-payment (co-payment by the insured in respect of each and every prescription.)10% co-payment (co-payment by the insured in respect of each and every prescription.)20% co-payment (co-payment by the insured in respect of each and every prescription.) Limit upto Policy annual limit 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) Nil co-paymentCovered with 10% CopayCovered with 20% Copay Psychiatry Not Covered Alternative medicine Covered up to AED 1,600/- PMPY Dental and gum treatment 20% Copay Covered with sub-limit of AED 3500 Hearing and Vision Aid In case of emergency only Physiotherapy Treatment Maximum 15 sessions per year. Region Coverage \- Where this policy is applicable Worldwide ## 59 Orient - Emerald Added Network Hospitals Search Plan Name Plan Name Type Type Name Address LIFECARE HOSPITAL (Hospitals) BANIYAS STREET, WATHBA, GATE NO. 6 AL RAHA VILLAGE - 02-5856333 NMC SPECIALTY HOSPITAL (Hospitals) ELECTRA STREET, AL KAMAL TOWERS - 02-6332255 LLH HOSPITAL L.L.C./MF1954 (FORM LIFELINE HOSPITAL) (Hospitals) ELECTRA STREET, AL MARWA BUILDING - 02-6335522 AHALIA HOSPITAL (Hospitals) HAMDAN STREET, OPPOSITE BANK OF BARODA. - 02-6262666 AL AHALIA HOSPITAL LLC - MUSAFFA BRANCH / MF3107 (Hospitals) MUSSAFAH - 02-8119119 LLH HOSPITAL AL MUSAFFAH LLC (Hospitals) MUSSAFAH, ALI KAHBOUS AL ZAABI - 02-5557711 ALMAZROUI MEDICAL CENTER ONE DAY SURGERY LLC-MF1327- ABU DHABI (Hospitals) NAJDA STREET,AL MAZROUI BUILDING,ABU DHABI - 02-6723232 BURJEEL FARHA HOSPITAL L.L.C. (formerly MEDEOR 24X7 INTERNATIONAL HOSPITAL L.L.C.) (Hospitals) ASHAREJ COMMERICAL RESIDENTIAL CENTER, BIDA BIN AMMAR, ASHAREJ, AL AIN CITY - 03-7099000 HEART BEAT MEDICAL CENTER ONE DAY SURGERY L.L.C., AL MUSHARRAF (CONSULTANT MEDICAL CENTER) (Hospitals) SHEIKH RASHID BIN SAEED ST MUSHARRAF AREA, ABU DHABI. - 02-4449494 SPECIALISED MEDICAL CARE HOSPITAL (Hospitals) AL JAHLI STREET, NEAR AL AIN MUESUM - 03-7552291 \*Network lists are subject to change as per the discretion of the Insurer. 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