# Union - Essential Benefit Plan **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/union-essential-benefit-plan/ Union Essential Benefit Plan ensures health insurance coverage for families, encompassing a wide range of medical services such as maternity care, outpatient/inpatient services, diagnostics costs etc. Union offers flexibility and customizable features to tailor-fit your families’ needs and your budget. 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 NameEssential Benefit Plan Cover AmountAED 150,000 Pharmacy LimitUpto AED 1,500 TPANextcare ## Union - Essential Benefit Plan Details Maternity Cover Out-patient Maternity Services Where any condition develops which becomes an emergency, the medically necessary expenses will be covered up to the annual aggregate limit subject to declaration.Requires prior approval from the insurance company.10% co-payment payable by the Policy Holder. 8 Check-ups + 3 ante-natal ultrasound scans are covered at the Primary Health Care Centre. (All Care provided by PHC obstetrician for low risk or specialist obstetrician for high risk referrals.) In-patient Maternity Services 10% co-payment payable by the insured.Maximum benefit AED 7,000 per normal delivery, AED 10,000 for medically necessary C-section, complications and for medically necessary termination (All limits include co-payment). New Born Cover Cover from 30 days from birth BCD, Hepatitis B and neo-natal screening test. Dental and Gum Treatment Co-Payment 20% co-payment. Covered In case of emergency only. Hearing and Vision Aids Co-Payment 20% co-payment. Covered In case of emergency only. Coverage Type GP Clinic Out-Patient Services Co-Payment - This is what you'll pay your health provider when claiming with this policy 20% co-payment upto AED 500. Aggregate Co-payment upto AED 1000 (Services are provided in authorized out-patient clinics of hospitals, clinics and health centers) In-Patient Services Co-Payment - This is what you'll pay your health provider when claiming with this policy for hospitalization 20% copayment upto AED 500. Aggregate Co-payment upto AED 1000 (In-patient treatment at authorized hospitals) Room Type Semi-Private Toom Ambulance Service Ground transportation services in the UAE provided by an authorized party for medical emergencies. Companion Accomodation Maximum AED 100 per night. (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 United Arab Emirates. Coverage Extended to South East Asia only for Inpatient Treatments as per 100% UAE customary ratesInsurance Coverage is only for Dubai visa holders. Pre-Existing and Chronic Conditions Waiting Period 6 Months (Treatment for chronic and pre-existing conditions excluded for first 6 months of first scheme membership. After 6 months covered to the annual policy limit subject to declaration) Network IRIS - Edge NetworkIRIS - Edge Network Other Services Laboratory Tests Radiology diagnostic In Case of non-medical emergiencies, the insurance company's prior approval is required for MRI, CT scans and endoscopies. Physiotherapy Treatment 20% co-payment.Prior approval of the insurance company is required.Maximum 6 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 30% co-payment (co-payment by the insured in respect of each and every prescription.) Limit AED 1,500 Annually 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. Essential Vaccines & Preventive Services Co-Payment Covered ## Union - Essential Benefit Plan Added Network Hospitals Search Plan Name Plan Name Type Type Name Address National Hospital - AUH (PCP - General Practitioner Only) (Hospitals) P.O.Box 30666, Najda, Eldorado Cinema, Electra Street, Najda Area - 26711000 Bareen International Hospital (PCP - General Practitioner Only) (Hospitals) Near Fatema Bent Mubark Mousque, Hamdan Street, Muroor Road, Mohammad Bin Zayed Area - 25545555 New Medical Centre Specialty Hospital Llc (Ex Nmc Specialty Hospital L.L.C Al Ain) (PCP - General Practitioner Only) (Hospitals) Opp. Police Head Quarter, Near Zayed School - 37555999 Millennium Hospital Llc (PCP - General Practitioner Only) (Hospitals) C 175, ME 9, Shabiyah 9, Mussafah, Abu Dhabi - 26113333 Al Salama One Day Surgery Center - Auh (PCP - General Practitioner Only) (Hospitals) Al Salama One Day Surgery Center Bldg, Opposite Al Roashid Mosque, Sector-7, Baniyas East, Abu Dhabi - 25047900 Specialized Medical Care Hospital (PCP - General Practitioner Only) (Hospitals) Al Jahili Area, Near Transport Authority, Al Ain Abu Dhabi - 37552291 Ajman Specialty General Hospital (PCP - General Practitioner Only) (Hospitals) New Vegetable Market, Hamedeya St., New Industrial Zone,Ajman - 67484999 Thumbay University Hospital Complex - L.L.C. (PCP - General Practitioner Only) (Hospitals) Thumbay University Hospital, Behind Sheikh Khalifa Hospital, University Street, Al Jurf - 67431333 Amina Hospital (PCP - General Practitioner Only) (Hospitals) Amina Hospital Building, Behind Dreamsea Discount Centre, Shaik Rashid Bin Humeed Street, Al Quds, Ajman - 67114444 Aster Cedars Hospital Jebel Ali ( Excedar Jebel Ali International Hospital - Dxb (PCP - General Practitioner Only) (Hospitals) Dugas Road, Jebel Ali 1, P. O. Box 17666, Jebel Ali, Dubai, Uae - 44400500 \*Network lists are subject to change as per the discretion of the Insurer. 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