Orient Health Insurance

Orient Health Insurance has a large team of skilled insurance professionals and has a variety of health insurance plans to financially protect people against serious illnesses. Orient Health Insurance plans in Dubai provide global coverage along with a variety of premium payment choices. The health insurance plans offered are - I-Med, Silk Road Family Care Plan A, Green - Family Care Plan A, Silver Classic Family Care Plan A, Silver Premium - Family Care Plan A, and Gold - Family Care Plan A. While the specifics of these plans vary, they all offer excellent coverage and make Orient Health Insurance a leading health insurance provider in the UAE. ...read more

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HEALTH INSURANCE
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The Orient Insurance PJSC Company was established in the year 1982 as a part of AI-Futtaim Group. The company has recorded the highest net profit among the other local insurance companies across the UAE consecutively for 2 years, 2010 & 2011. In this manner, the Orient Health Insurance Online Company is regarded as one of the leaders in the insurance market of the UAE.

Orient health insurance uae has the largest insurance qualified team in the whole region and it offers a number of health insurance uae plans to cover individuals against several critical illnesses. Orient health insurance plans in Dubai offer worldwide coverage with flexible options of premium payment.

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

Top Orient Health Insurance Plans

Listed below are the major Orient Health Insurance plans -

  • EMed - This health insurance plan covers domestic workers or employees with a gross monthly income of up to AED 4,000. It adheres to the compulsory medical insurance requirements applicable to Dubai Visa holders. 
  • DMed - This is an individual health insurance plan that is designed for non-working dependents or ageing parents. 
  • IMed - It is an individual health insurance plan designed to offer medical coverage to investors in the UAE.
  • NEMed - This individual health insurance plan is a standard package that covers visa holders in the Northern Emirates (including Ajman, Fujairah, Sharjah, Ras Al Khaimah, and Umm al Quwain). It covers employees with a monthly income of AED 15,000, spouses, and children. 
  • Family Care Plan - This Orient Health Insurance plan covers more than one family member for a fixed sum insured in lieu of an annual premium. The plan tends to cover two or more family members if they get hospitalised or are diagnosed with a disease. 
  • Health Plus - This is a traditional Orient Health Insurance plan that offers global coverage, covers all family members, and offers fixed medical benefit limits in lieu of an annual premium. Administered by Nextcare, this plan can be bought by UAE residents.

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What All is Covered Under Orient Health Insurance Plans?

Tabled below are the benefits covered under the Orient Health Insurance plans in the UAE -

Orient Health Insurance Plans

Benefits

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EMed

  • Hospital accommodation
  • Hospital services - Surgery, anaesthesia, pharmacy, laboratory, radiology, theatre
  • Network - Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services)
  • Pre-existing medical conditions covered after a waiting period of 6 months at the time of first membership
  • Outpatient services - 20% co-insurance payable by the insured
  • Geographical Coverage - UAE and Native Country
  • Annual Medical Limit - AED 150,000
  • Preventive Services, Vaccines, and Immunisations
  • Maternity Benefits - Covered after 6 months waiting period from the date of the first membership
  • Pharmacy - AED 1,500 per annum (including co-insurance of 30%)
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DMed

  • Annual Medical Limit - AED 150,000
  • Geographical Coverage - UAE and Home Country
  • Network - Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services)
  • Pre-existing medical conditions - covered after a waiting period of 6 months at the time of first membership
  • Outpatient services - 20% co-insurance payable by the insured
  • Preventive Services, Vaccines, and Immunisations
  • Maternity Benefits - Covered after 6 months waiting period from the date of the first membership
  • Neonatal cover
  • Outpatient Antenatal Cover
  • Pharmacy - AED 1,500 per annum (including co-insurance of 30%)
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IMed

  • Annual Medical Limit - AED 150,000
  • Geographical Coverage - UAE and Home Country
  • Network - Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services)
  • Pre-existing medical conditions - covered after a waiting period of 6 months at the time of first membership
  • Outpatient services - 20% co-insurance payable by the insured
  • Preventive Services, Vaccines, and Immunisations
  • Maternity Benefits - Covered after 6 months waiting period from the date of the first membership
  • Neonatal cover
  • Outpatient Antenatal Cover
  • Pharmacy - AED 1,500 per annum (including co-insurance of 30%)

NEMed

  • Annual Medical Coverage - AED 75,000 (sub-limits apply)
  • Geographical Coverage - UAE excluding Abu Dhabi
  • Non-emergency Treatment Geographical Coverage - Direct billing within the network; reimbursement covered outside the network for up to 75% of the network rates, after reducing the original co-payments 
  • Emergency Treatment outside the network within the UAE till the patient is stable - covered for emergency medical treatments on a reimbursement basis at a 100% network tariff
  • Network - Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services)
  • Pre-existing and chronic medical conditions
  • Inpatient healthcare services - Accommodation, transportation, tests, diagnosis, surgeries, treatments, and physiotherapy sessions
  • Outpatient healthcare services - Radiology, X-ray, MRI, CT scans, and endoscopies
  • Pharmacy
  • Maternity services
  • Essential vaccines and immunisations
  • Diagnostic and treatment for dental and gum ailments
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Family Care Plan

  • Annual Limit - Any of the following options - AED 1,000,000, AED 750,000, AED 500,000, AED 250,000, and AED 150,000
  • Territorial Coverage (outside the UAE) - Coverage outside the UAE is limited to up to 90 days per treatment
  • Geographical Coverage - Worldwide
  • Applicable Network - Gold/Silver Premium/Silver Classic/Emerald/Pearl/Silk Road/Green
  • Inpatient Benefits - Hospitalisation, intensive care unit, charges of consultants, surgeons, and anaesthetists, ambulance services, room accommodation, physiotherapy, chemotherapy, radiation therapy, coronary artery disease treatment, and more
  • Outpatient Benefits - Physician consultation, physiotherapy, diagnostics and lab tests, medication, outpatient surgery, day care treatment, work-related injuries, emergency dental treatment for accidental damages to the natural teeth
  • Essential Vaccines and Immunisation
  • Maternity Benefits - Both inpatient and outpatient coverage including pre and post-natal treatments, natural birth, medically necessary C-section, complications, medically essential and legal terminations
  • Alternative Medicines - Osteopathy, Chiropractic, Acupuncture, Homeopathy, Ayurveda, and Herbal Treatment
  • Dental benefit
  • Emergency treatment
  • Elective treatment
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Health Plus

  • Territorial Coverage - Worldwide
  • Annual Aggregate Medical Limit - AED 1,000,000
  • Medical Network - Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic - Al Zahra Hospital - Suleiman al Habib Group of providers/Nextcare RN/Nextcare RN2/Nextcare RN3 (Outpatient limited to the clinics only)
  • Room Accommodation - Private/ Semi-private
  • Home nursing post after inpatient treatment (covered under - Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic - Al Zahra Hospital - Suleiman al Habib Group of providers/Nextcare RN)
  • Emergency ambulance service 
  • Prescribed drugs and medication
  • Pre-existing and medical conditions
  • Essential Vaccinations 
  • Physiotherapy
  • Psychiatric treatment
  • Organ transplant
  • Second medical opinion (covered only under - Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic - Al Zahra Hospital - Suleiman al Habib Group of providers)
  • Maternity services - Both inpatient and outpatient services are covered
  • Dental benefit
  • Neonatal care cover 
  • Alternative Medicines - Chiropractic, Homeopathy, Osteopathy, Ayurveda
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Features & Benefits of Orient Health Insurance Dubai, UAE

Below specified are some of the common features & benefits of the plans offered by Orient health Insurance Dubai, UAE:

  • Critical Illness Coverage: The plans cover up to 37 critical illnesses.
  • Sum Assured: A lump sum amount is paid outpost 28 days of diagnosis of any critical illness covered under the plans offered by Orient Health 
  • Waiting Period: The policy has a waiting period of 90 days from the date of policy issuance.

The plans offered by the Orient Insurance Company under this category are as follows:

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Orient Care Plus

‘Orient Care Plus’ plan offered by Orient Insurance PJSC Company provides liquidity in order to meet the financial requirements during a medical crisis. It covers 37 critical illnesses by immediately paying out the amount upon diagnosis of the covered critical illness. The Orient Health Insurance Online Company offers Orient Care Plus Plan for 5 & 10 years only.

  • Minimum Sum Assured: 1,00,000 AED
  • Maximum Sum Assured: 1,000,000 AED

Listed of Covered Critical Illnesses under Orient Care Plus Plan

  • Heart Attack
  • Cancer
  • Kidney failure
  • Stroke
  • Coronary artery bypass surgery
  • Major Organ Transplant
  • Benign brain tumor
  • Loss of one limb & loss of one eye
  • HIV through blood transfusion
  • Meningitis
  • Poliomyelitis
  • Occupationally acquired HIV
  • Progressive supranuclear palsy
  • Aorta graft surgery
  • Heart valve surgery
  • Parkinson’s disease
  • Multiple sclerosis
  • Motor neuron disease]
  • Paralysis
  • Cardiomyopathy
  • Encephalitis
  • Aplastic anemia
  • Major head trauma
  • Systemic lupus erythematosus
  • Primary pulmonary hypertension
  • Blindness
  • Loss of Limbs
  • Coma
  • Loss of hearing
  • Severe burns
  • Loss of speech
  • End-stage lung disease
  • Terminal liver insufficiency
  • Progressive scleroderma
  • Creutzfeld Jacob disease
  • Severe myocarditis
  • Apallic syndrome
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Orient Health Insurance UAE Inclusions

  1. In-patient cover
  2. Out-patient cover
  3. Regional Cover
  4. Worldwide Cover
  5. Emergency Medical Evacuation
  6. Repatriation Cost Cover
  7. Repatriation
  8. Maternity benefits
  9. Preventive services, vaccines & immunizations

Orient Health Insurance UAE Exclusions

  • Healthcare services that are not necessary medically.
  • All medical expenses which are related to orthodontic treatments, dental treatment, & dental prostheses.
  • Private nursing care and home nursing.
  • Custodial care which include:
    • Non-medical treatment services.
    • Health-related services which do not result in an improvement in a medical condition of the patient.
  • Surgical & non-surgical treatment for obesity as well as any other weight control programs, supplies, & services.
  • Healthcare services which are not performed by ‘Authorized Healthcare Service Providers’.
  • Healthcare services for smoking cessation programs as well as the treatment of a patient who is addicted to nicotine.

Buy Orient Health Insurance For You & Your Family

How to Renew an Orient Health Insurance Plan?

To ensure uninterrupted coverage of your existing Orient health insurance plan, it is essential to renew your policy on time. If you have purchased your health insurance plan from Policybazaar.ae, you can renew the policy from your user dashboard. 

Here are the steps you need to perform to conveniently renew your health insurance plan from Policybazaar UAE -

Step 1: Log into your Policybazaar.ae account. 

Step 2: You will be directed to the user dashboard where you will be able to view your existing policies. You will also find a reminder to renew your Orient health insurance plan if the policy is in the grace period. 

Step 3: To renew the policy, fill in the form declaring your present medical condition and mentioning any new diagnosis. 

Step 4: After filling out the form, you will be navigated to our health insurance quotes page where you will find the plans from the best health insurance providers in the UAE including Orient Insurance. 

If you find your existing plan sufficient, you can proceed to make payment for the same. However, if you plan to upgrade your Orient individual health insurance plan, you can compare and choose from the available options. 

Step 5: Once you have decided, click on the premium amount tab. You will be directed to the policy application form where you need to provide all the essential information about your existing diseases and medical condition. Here, you can also opt for riders that will help you make your plan more inclusive.

Step 6: Select ‘Submit’ to make the renewal payment online.

Note - If you previously purchased a health insurance plan from another provider website but now wish to switch via Policybazaar.ae, simply follow the health insurance purchasing process on Policybazaar.ae as mentioned in the previous section. 

How to File a Claim for an Orient Health Insurance Plan?

The following are the steps to file a claim for an Orient medical insurance policy in the UAE -

  • Visit MyNextcare using the link https://mynextcarev2.nextcarehealth.com/Account/Index. To register for the first time, you should use your Emirates ID and date of birth. If you don’t have an Emirates ID handy, Orient Insurance will provide you with an e-card number to enable login. Once you register yourself you can access the website whenever required. 

In case of a medical emergency, log into the account. 

Visit the Submit New Claim tab and make sure that you have the following details handy -

  1. Details of the healthcare provider - name, service date, and the physician’s name
  2. All necessary backing documents including itemised bills, original receipts, and medical report

Fill in the claim form. Upload or capture images of all the necessary documents - itemised medical form signed by your doctor and stamped by the clinic or hospital. This form should have details about the history of your current illness, other medical histories, clinical history, and reports of prescribed medical tests and medication invoices. Once you fill out the form, click on the ‘Submit Claim’ tab. 

Submit the reimbursement form within 30 days from the date of treatment in or out of the UAE. You will receive reimbursement in up to 15 working days.

Orient Health Insurance FAQ's

What does Orient Insurance PJSC UAE cover?

Orient Health Insurance UAE covers in-patient as well as out-patient medical encounters, surgical procedures, tests, healthcare treatments, maternity services, medication to an annual aggregate limit of 150,000 AED.

Are dental services covered?

All medical expenses related to orthodontic treatments, dental treatment, & dental prostheses are excluded from the plans offered by Orient Health Insurance Dubai, UAE.

Is treatment for pre-existing & chronic conditions covered under this Orient Medical Insurance Dubai?

Treatment for pre-existing & chronic conditions excluded from this health insurance plan for the first 6 months but after that, they are included.

Are maternity services covered?

Yes, you can opt for both in-patient & out-patient maternity services with Orient Health Insurance Dubai, UAE. For in-patient, normal birth delivery of a maximum of 7000 AED, up to 10,000 AED for medically necessary C-section, complications & for medically necessary termination of pregnancy is included under this health insurance plan. For out-patient, all care offered by PHC obstetrician for low risk or specialist obstetrician for high-risk referrals initial investigations are covered under this medical insurance plan.

What exactly is ‘Coinsurance’? And how is it different from ‘deductible’?

Coinsurance is basically the amount that insured has to pay for every treatment, medication, prescription, consultation, service & test availed by him/her. Whereas, deductible, on the other hand, is the fixed amount that the insured person has to pay before the health insurance plan begins to pay for your healthcare. Once you pay the deductible, the health insurance company starts to pay for services & facilities you avail.

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