# Orient - Pearl - Family Care **Published:** 2023-08-03 **Updated:** 2025-11-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/orient-pearl-family-care/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Trusted Customers:** 2 Million+ **Insurance Partners:** 35+ **Policies Sold:** 1 Million+ Your family's health is paramount, and Orient Pearl - Family Care offers the ideal health insurance coverage to prove it. This Orient Pearl - Family Care includes a plethora of medical services, such as maternity care, critical illness cover, dental and gum treatment, hearing and vision aids, and more. You can also make changes in your plan by including riders/ add-ons to make it more beneficial for your family. 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 NamePearl - Family Care Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Orient - Pearl - Family Care 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 Pearl Other Services Radiology diagnostic Nil 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 ## 43 Orient - Pearl - Family Care 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 LLH HOSPITAL L.L.C./MF1954 (FORM LIFELINE HOSPITAL) (Hospitals) ELECTRA STREET, AL MARWA BUILDING - 02-6335522 LLH HOSPITAL AL MUSAFFAH LLC (Hospitals) MUSSAFAH, ALI KAHBOUS AL ZAABI - 02-5557711 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 SPECIALISED MEDICAL CARE HOSPITAL (Hospitals) AL JAHLI STREET, NEAR AL AIN MUESUM - 03-7552291 MEDEOR 24X7 HOSPITAL LLC (Hospitals) MUROOR ROAD, OPP EMPOST, MADINAT ZAYED AREA - 02-6900600 LIFECARE HOSPITAL LLC-BRANCH 1-LIFELINE GROUP/MF2420 (Hospitals) MUSAFFAH - 02-5566666 PHOENIX HOSPITAL LLC (prev. AL BUSTAN SPECIALTY HOSPITAL AUH AHALIA GROUP) (Hospitals) PLOT 1 SHABIA 10 MUSSAFAH - 02-6151515 AMINA HOSPITAL LLC (Excluding Dr. Naim Satme and Dr. Sohair Mohammed El Ameen Ibrahim Ali) (Hospitals) NEAR EMIRATES NBD BANK, AL QUDS STREET - 06-7114444 SHEIKH KHALIFA GENERAL HOSPITAL AJMAN (Hospitals) AL JURF -UNIVERSITY STREET - 06-7117081 \*Network lists are subject to change as per the discretion of the Insurer. 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