# Orient - Gold - Family Care **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/orient-gold-family-care/ Orient Gold - Family Care guarantees health insurance for you and your family, incorporating an extensive array of medical services, including but not limited to prescription drugs coverage, consultation costs, outpatient/inpatient services, and others. Orient Gold - Family Care is designed with flexibility and personalized options to perfectly align with your family's unique requirements and financial preferences. 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 NameGold - Family Care Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Orient - Gold - Family Care Details Maternity Cover 10% co-payment payable by the insured. Waiting Period Maternity any pregnancy, which arises within forty calendar days from the date of policy issuance, shall not be covered under this policy under any condition No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1. Chronic Condition All medical underwritten conditions will have no waiting period. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. 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 Direct access to hospital 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 Gold Other Services Radiology diagnostic Nil Co Insurance20% 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.)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 ## 200 Orient - Gold - Family Care Added Network Hospitals Search Plan Name Plan Name Type Type Name Address NMC Royal Womens -Abu Dhabi / MF3186 (Hospitals) Abu Dhabi - 02-5082000 Mediclinic Hospitals L.L.C. (Airport Road Hospital) / MF2270 , Remarks (Dental Is Covered Upto Green Network Only. // Dr. Marc Francis Sinclair (Consultant-Paediatric Orthopedic Surgeon) - Mediclinic Will Be Collecting Additional Payment Towards His Consultation Fee From The Patients Directly. This Extra Amount Is Not A Subject For Reimbursement And Mednet Will Only Pay The Agreed Consultant Rates With Mediclinic.) (Hospitals) Airport Road, Shk. Mohd Bin Butti Bldg. - 02-4944813 Magrabi Specialized Hospital- Branch (Hospitals) Al Khaleej Al Arabi Street, Al Mushrif - 02-4446565 Imperial College London Diabetes Centre (Hospitals) Al Khaleej Al Arabi Street, Embasies Area - 02-4040800 Cleveland Clinic Abu Dhabi LLC (Hospitals) Al Maqam Tower, Al Falah Street, Abu Dhabi Global Market Square, Al Maryah Island - 02-6590200 Magrabi Eye & Ear Center (Hospitals) Baniyas Street, Al Nakheel Tower - 02-6345000 Lifecare Hospital , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Baniyas Street, Wathba, Gate No. 6 Al Raha Village - 02-5856333 Danat Al Emarat Hospital For Women & Children LLC-Abu Dhabi-MF2278 (Hospitals) Ben Al Jesreen Street, Abu Dhabi Gate - 02-6149999 Health Shield Medical Center L.L.C. (Formerly Known As Emirates French Hospital) (Hospitals) Corniche Road, Corniche - 02-6265722 NMC Specialty Hospital (Hospitals) Electra Street, Al Kamal Towers - 02-6332255 \*Network lists are subject to change as per the discretion of the Insurer. 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