# Orient - Silk Road - Family Care **Published:** 2023-07-28 **Updated:** 2025-11-27 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/orient-silk-road-family-care/ **We are Rated:** 4.7/5 **Review Count:** 46,158 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Trusted Customers:** 2 Million+ **Insurance Partners:** 35+ **Policies Sold:** 1 Million+ With Orient Silk Road - Family Care, your family's health insurance needs are fully taken care of. This plan encompasses a broad spectrum of medical services, including psychiatry, alternative medicines, physiotherapy treatment, hearing and vision aids, doctor's consultations, and more. 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 NameSilk Road - Family Care Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Orient - Silk Road - 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 Referral procedure to be followed:- Direct access to specialist in the clinics 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 Specialist Clinic Out-Patient Services Description Out Patient treatment restricted to Clinics Only. From 10 PM to 8AM Out Patient treatments access is 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 Silk Road 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 Nil 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 ## 91 Orient - Silk Road - Family Care Added Network Hospitals Search Plan Name Plan Name Type Type Name Address Mediclinic Hospitals L.L.C. (Airport Road Hospital) / MF2270 (In Patient) , 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 Lifecare Hospital (Out Patient) , 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 Lifecare Hospital (In Patient) , 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 LLH Hospital L.L.C./MF1954 (Form Lifeline Hospital) (Out Patient) , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Electra Street, Al Marwa Building - 02-6335522 LLH Hospital L.L.C./MF1954 (Form Lifeline Hospital) (In Patient) , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Electra Street, Al Marwa Building - 02-6335522 Ahalia Hospital (In Patient) (Hospitals) Hamdan Street, Opposite Bank Of Baroda. - 02-6262666 Al Ahalia Hospital LLC - Musaffa Branch / MF3107 (In Patient) (Hospitals) Mussafah - 02-8119119 LLH Hospital Al Musaffah LLC (Out Patient) , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Mussafah, Ali Kahbous Al Zaabi - 02-5557711 LLH Hospital Al Musaffah LLC (In Patient) , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Mussafah, Ali Kahbous Al Zaabi - 02-5557711 Mediclinic Hospitals L.L.C. (Al Jowhara Hospital)/MF2984 (In Patient) , 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) Civic Center, Al Ain - 03-7051781 \*Network lists are subject to change as per the discretion of the Insurer. ### **Health Insurance Popular Searches** [Medical Insurance Dubai](https://www.policybazaar.ae/health-insurance/) | [Dubai Health Insurance Cost](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Health Insurance Plans for Family](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/) ### **Other Product Searches** [Car Insurance UAE](https://www.policybazaar.ae/car-insurance/) | [Car Insurance Companies in UAE](https://www.policybazaar.ae/car-insurance/articles/top-10-car-insurance-companies-in-dubai/) | [How to Check Car Insurance Status Online](https://www.policybazaar.ae/how-to-check-car-insurance-status-online-for-your-policy-ciart/) | [Group Health Insurance](https://www.policybazaar.ae/group-health-insurance-hic/) | [Home Insurance Dubai](https://www.policybazaar.ae/home-insurance/) | [Professional Indemnity Insurance](https://www.policybazaar.ae/business-insurance/professional-indemnity/) | [Workmen Compensation Insurance](https://www.policybazaar.ae/business-insurance/workers-compensation-insurance/) Other Orient Health Insurance Plans [Orient - 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