# Sukoon - Max **Published:** 2023-08-03 **Updated:** 2025-09-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/sukoon-max/ Your family's health is paramount, and Sukoon Max offers the ideal health insurance coverage to prove it. This Sukoon Max 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 NameMax Cover AmountAED 500,000 Pharmacy LimitUpto AED 1,000,000 TPASukoon ## Sukoon - Max Details Maternity Cover Covered Co-Payment NilPost Natal Consultation Deductible/Coinsurance - 10% , Post Natal Investigations Coinsurance - 10%, Post Natal Procedures Coinsurance - 10% Maternity Cover Birth Defects, Genetic Disorders & Congenital Conditions - Not Covered Out-patient Maternity Services With 10% co-insurance In-patient Maternity Services Covered for Ante/Post-Natal Consultation, Ante/Post-Natal InvestigationsMaternity complications (Life threatening maternity complications are covered up to indemnity limit) - Coverage upto 15,000, Normal Delivery - Coverage upto 15,000, Medically necessary C - Coverage upto 15,000, Legal Abortion/Miscarriage - Coverage upto 15,000 Waiting Period Maternity any pregnancy, which arises within 6 months from the date of this application, 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 With COC nil waiting period, without COC 6 months waiting period 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 Coverage Type Full Access Out-Patient Services Laboratory Tests Covered Pharmacy Limit Prescribed Pharmaceuticals (Pre-approval is required for long term medication above 30 days) - Covered, ONLY Formulary products(Generic Medication) - Not Covered, Vitamins prescribed as replacement therapy for known vitamin deficiency conditions up to prescribed pharmaceutical limit only. - Covered Consultant’s, Surgeon’s and Anaesthetist's Fees Covered In-Patient Services Co-Payment Consultation Deductible/Coinsurance - 10%, Outpatient procedures - 10%, Physiotherapy - 10% Room Type Private Laboratory Tests Covered Pre-existing conditions Covered up to 150,000 Outside UAE and Inside UAE (subject to exclusions) Hospital Accommodation and related Services Accommodation Costs for one parent staying with a child up to the age of 18 years. - 500 Per day, Accommodation Costs for one accompanying family member in case of critical medical conditions.\* Subject to treating doctor recommendation - 100 Per Day, Daycare treatment including out-patient minor surgeries > 6 hours stay - Covered Intensive care unit and coronary artery disease treatment Internal Prosthetic devices implanted during covered surgeries. - Covered, External Prosthetic devices and medical equipment - Not Covered Pre-Existing and Chronic Conditions Covered up to 150,000 per person per year Network Signature+Medcare Other Services Co-Payment Prescribed Pharmaceuticals - 10% and Maximum out of pocket limit - Not Applicable, Post-Natal Prescribed Pharmaceuticals - 10% and Maximum out of pocket limit - Not Applicable New Born Cover A New born delivered in UAE is covered up to 30 days as part of the mother’s insurance and shall share the same indemnity limit. Continuity of cover is subject to scheme opted for allows dependents, addition notification within 30 days and the newborn added to the policy. "If the scheme allows dependents addition, then 1. HAAD: A New born will be enrolled to the scheme from date of birth subject to the notification within 30 days from that date. 2. DHA: A New born will be enrolled to the scheme from date of birth subject to the notification within 7 days from that date. 3. When a baby is born outside UAE, he/she will be enrolled to the scheme only following their entry to the UAE, with a valid entry permit and entry stamp." Ambulance Service Covered Laboratory Tests 10% co-insurance for Laboratory and 10% for Radiology Physiotherapy Treatment Covered up to 10 sessionsImmunotherapy & Immunomodulators - Covered if medically necessary Emergency Treatment Hepatitis A - Covered, Hormone replacement therapy. (Excluding growth hormone and excluded medical conditions) - Covered Psychiatric Treatment Covered up to 7500 per person per year with 30% Coinsurance Home Nursing Covered up to 15,000 per person per year Cancer Treatment As Per DHA for breast, colorectal or cervical cancer Airfare Ticket Covered (limited to geographical area specified) Routine Health Checkup Covered up to 500 per person per year Repatriation of Mortal Remains to Home Country Activated at 0 Kilometers Preventive services Diabetes screening is covered along with Basmah Initiative and Adult Pneumococcal Conjugate Vaccine HCV Hepatitis C Virus Infection Covered Work Related Injuries Not Covered Elective Treatment Covered Accidental Injuries Recreational non-hazardous sports activities (professional and hazardous sports activities even if recreational are not covered) - CoveredDeath due to Accident (Subject to terms & Conditions) - Covered Upto 100,000 AED, Permanent Total Disability due to Accident (Subject to terms & Conditions) - 100,000 AED Circumcision Not Covered Assist America Package Emergency Medical Evacuation - Activated at 120 Kms., Medical Repatriation- Activated at 120 Kms., Second Medical Opinion - Covered Medication Alternative Medicine Enhanced Alternative Medicine - Covered up to 3,000 per person per year Diagnostics (X-RAY, MRI, CT-SCAN) Covered Psychiatry Covered up to 7,500 per person per year with 30% Coinsurance Alternative medicine Enhanced Alternative Medicine – Services To be performed only by a licensed practitioner :- Covered up to 3,000 per person per year Dental and gum treatment Covered Hearing and Vision Aid Covered only in cases of medical emergencies Physiotherapy Treatment Covered up to 10 sessions Region Coverage Worldwide excluding USA and Canada ## Sukoon - Max Added Network Hospitals Search Plan Name Plan Name Type Type Name Address No Network Hospital is available at this Location. \*Network lists are subject to change as per the discretion of the Insurer. 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