yourLife is our standard individual health plan, which offers all the benefits you’d expect – and many you might not. Routine check ups, mental health appointments and prescription costs are all included. We cover preventative care too, so our members don’t need to wait before seeking treatment. Please see below for the full table of benefits included in this plan.
Our PremierLife individual health plan delivers the most complete and benefit rich health protection imaginable. PremierLife is designed for expats that want enhanced coverage and access to the best care worldwide, while allowing the flexibility to choose where they want to receive treatment. Please see below for the full table of benefits included in this Premier plan.
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Policy year maximum plan benefit AED | AED 5,500,000 | AED 7,350,000 |
| Policy year maximum plan benefit $USD | $1,500,000 | $2,000,000 |
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Accommodation | Private room AED 200/$55 per day benefit | Private room AED 200/$55 per day benefit |
| Semi-private room hospital cash benefit | 100% | 90% US | 100% |
| Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment | 100% | 90% US | 100% |
| Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient | 100% | 90% US | 100% |
| Surgeons’ and anaesthetists’ fees | 100% | 90% US | 100% |
| Inpatient consultation by specialist | 100% | 90% US | 100% |
| Emergency room | 100% | 90% US | 100% |
| Pathology, radiology, and diagnostic tests | 100% | 90% US | 100% |
| MRI, CT and PET scans | 100% | 90% US | 100% |
| Private duty nursing (Policy year maximum) | AED 27,500 | $7,500 | AED 55,000 | $15,000 |
| Skilled nursing facility (Policy year maximum) | AED 27,500 | $7,500 | AED 55,000 | $15,000 |
| Home health care (Policy year maximum) | AED 27,500 | $7,500 | AED 55,000 | $15,000 |
| Hospice care services (Policy year maximum) | AED 36,500 | $10,000 | AED 75,000 | $20,000 |
| Emergency dental treatment (as a result of accident) | 100% | 90% US | 100% |
| Cancer treatment | 100% | 90% US | 100% |
| Child and companion accompaniment (Companion accommodation in same room due to inpatient medical necessity. Pre-approval is necessary.) | 100% | 100% |
| Prescribed hearing aids in the event of emergency treatment | 100% | 100% |
| Laser eye surgery and optical aids in the event of emergency treatment | 100% | 100% |
| MANAGED TRANSPLANT PROGRAMME | Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy. | Transplant must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy. |
| Organ transplants | AED 1,800,000 | $500,000 | AED 1,800,000 | $500,000 |
| Tissue transplants (as part of the overall organ max.) | AED 900,000 | $250,000 | AED 900,000 | $250,000 |
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Diabetes tests Aged 30 and onwards every 3 years, high risk individuals over 18, annually | 100% | 100% |
| Annual pap smear | 100% | 100% |
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| OPTION OP100 PremierLife and PremierFamily only | N/A | 100% |
| OPTION OP90 | 90% | 90% |
| OPTION OP80 yourLife and yourFamily only | 80% | N/A |
| Surgery as outpatient | 100% | 100% |
| Physician office visits and specialist fees | 100% | 100% |
| Diagnostic and therapeutic services (as outpatient) | 100% | 100% |
| Physical therapy (as outpatient) | 100% | max 30 visits | pre-authorisation required | 100% | max 50 visits | pre-authorisation required |
| Occupational therapy (as outpatient, per visit) | 100% | max 30 visits | pre-authorisation required | 100% | max 50 visits | pre-authorisation required |
| Chiropractic services Policy year maximum for chiropractic services Referral letter required from medical physician | 100% | AED 2,750 | $750 | 100% | AED 5,500 | $1500 |
| Complementary medicine Including TCM, bonesetting, acupuncture, herbal medicine, homeopathy and osteopathy | 100% | AED 1,800 | $500 | 100% | AED 5,500 | $1500 |
| Prescription programme | 100% | 100% |
| DENTAL | ||
| Routine dental | N/A | 100% | AED 5,500 | $1500 |
| Dental plan option available | Yes See dental options | Yes See dental options |
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Outpatient ante-natal services | 100% | 8 visits to PHC | 3 ultra scans | 100% | 8 visits to PHC | 3 ultra scans |
| Pregnancy normal delivery | 90% | AED 7,000 | $2,000 | 90% | AED 7,000 | $2,000 |
| Complicated pregnancy | 90% | AED 10,000 | $3,000 | 90% | AED 10,000 | $3,000 |
| Routine nursery, included under Maternity Benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge. | Routine nursery, included under Maternity Benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge. | |
| New born cover Included in New Born Cover are premature births, congenital conditions and birth anomalies. New Born Cover is only available for a covered pregnancy. | 30 days; neo-natal screening test AED 150,000 | $40,000 | 30 days; neo-natal screening test AED 150,000 | $40,000 |
| Emergency treatment | AED 150,000 | $40,000 | AED 150,000 | $40,000 |
| Essential vaccinations and inoculations as stipulated in DHA’s policies for children | 100% | 100% |
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| ADULTS | AED 1,800 | $500 | AED 2,700 | $750 |
| Routine physical exams in connection with overall health and wellbeing | 90% | 100% |
| Mammograms: ages 35-39 one baseline exam; ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline; age 50 and over one exam annually; any age whenever prescribed by a physician | 90% | 100% |
| Prostate cancer screening: one test per policy year for males age 50 or over | 90% | 100% |
| Immunizations and vaccinations | 90% | 100% |
| CHILD(REN) | N/A | |
| Maximum per policy year: birth to age 12 months | N/A | N/A |
| Maximum per policy year: 13 months and over | N/A | N/A |
| Routine medical | N/A | N/A |
| Child preventive care services | N/A | N/A |
| Hearing tests | N/A | N/A |
Six-month waiting period applies to all Wellness Benefits but waits are waived for policies that are paid annually. Overall policy year Wellness Benefit maximums apply to all routine and wellness benefits for adults and children.
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Vision care cover | 100% | 100% |
| Maximum per 24-month period Six month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually. | AED 1,100 | $300 | AED 1,100 | $300 |
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Medical evacuation and assistance | 100% | 100% |
| 24/7 Emergency medical assistance hotline | Yes | Yes |
| Repatriation of mortal remains | 100% | 100% |
| Family emergency travel | N/A | 100% | AED 18,500 | $5,000 |
| Repatriation accompaniment | N/A | 100% | AED 18,500 | $5,000 |
| Repatriation family accompaniment | N/A | N/A |
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Best possible outcome programme | N/A | Yes |
| A dedicated diagnosis verification and treatment planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome. | A dedicated diagnosis verification and treatment planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome. | |
| Advanced health screening programme | N/A | 100% |
| Ages 40-50 one high level physical examination every three years | N/A | AED 3,600 | $1,000 |
| Ages 50+ one high level physical examination every three years | N/A | AED 5,500 | $1,500 |
| Blood care programme | N/A | Yes |
| A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world. | A blood care programme that delivers screened blood, in an emergency, to its members in any part of the world. | |
| eHealth records account | YES | Yes |
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Policy year maximum for mental health benefits (inpatient and outpatient) | AED 92,000 | $25,000 | AED 92,000 | $25,000 |
| Policy year mental illness, maximum (out-of-hospital) 15 visits | AED 9,200 | $2,500 per policy year | AED 9,200 | $2,500 per policy year |
| Emergency treatment | AED 150,000 | $40,000 | AED 150,000 | $40,000 |
Elected co-pay option applies for all outpatient benefits in this section.
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Expatriate Assistance Programme | Yes | Yes |
Operated by Morneau Shepell, provides assistance with the following types of issues often faced by expatriates: how to cope with isolation and loneliness, adapt across cultures, identify and cope with culture shock, address the personal impact of the relocation, strengthen relationships, improve communication, work towards life goals, deal with stress, anxiety and depression, address alcohol and drug misuse, resolve marital and relationship difficulties, find solutions for work-related issues, access crisis and trauma support while on assignment, discover ways to improve your nutrition in your new environment, focus on your health with natural healing strategies.
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| HIV/AIDS treatment | Yes | Yes |
| Policy year maximum | AED 92,000 | $25,000 | AED 92,000 | $25,000 |
Elected co-pay option applies for all outpatient benefits in this section.
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Durable medical equipment | Yes | Yes |
| Policy year maximum | AED 55,000 | $15,000 | AED 75,000 | $20,000 |
Elected co-pay option applies for all outpatient benefits in this section.
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Chronic conditions | Yes | Yes |
Chronic conditions are treated like any other condition under the policy. Elected co-pay option applies for all outpatient benefits in this section.
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Policy year maximum plan benefit | AED 150,000 | $40,000 | AED 150,000 | $40,000 |
Pre-existing conditions must be declared upon enrolment to be covered. Pre-existing conditions excluded for first six months of plan membership (waiting period waived if coming from an existing DHA accredited EBP scheme).
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| Policy year maximum plan benefit | AED 150,000 | $40,000 | AED 150,000 | $40,000 |
Elected co-pay option applies for outpatient benefits in this section.
For Cover Region 1 – please note that benefits listed above are only applicable when using our UnitedHealthcare (UHC) Preferred Provider Network. The UHC Network is one of the largest in the US with over 650,000 medical providers. Benefits outside of network are reduced to 70% and co-insurance does not count toward out of pocket max.
Please note that Cover Region 1 is limited to 180 days in the US in any 12 month period. If you are returning to the US 12-month Bridge Cover is available for Cover Region 1 members only and request must be made prior to returning to the US Bridge Cover Premiums are 185% of standard published rates.
Cover Region 2 – does not include any cover for US and their territories.
Choice of three different network options. Each network is extensive with over 1,000 medical providers in the UAE.
Access to other MedNet networks within the Gulf region is included.
GOLD / SILVER PREMIUM / SILVER CLASSIC
Please note that you may go outside your chosen network on a ‘pay and claim’ basis. However, we may not be able to settle the claim in full where the cost is higher than what is ‘reasonable and customary’ for your chosen network level.
Dental Plan Option must be chosen on enrolment and requisite premium paid for Dental Option in order for dental/benefits to be applicable in this section.
| Table of benefits | yourLife | PremierLife |
|---|---|---|
| CLASS I EXPENSES Diagnostic – general preventive | Yes | Included under your Premier medical plan |
| CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery | AED 4,400 | $1,200 | AED 10,000 | $2,700 |
| CLASS III EXPENSES Restorative (major); prosthodontics – removable (installation); fixed bridge (installation). | AED 2,700 | $750 | AED 6,600 | $1,800 |
Orthodontic and Class III services are available after six months of continuous enrolment in the Dental Plan. Orthodontic services are only available for children under 18 years of age.
Elected co-pay option applies for all outpatient benefits in this section
A full list of all health providers on our international network.
Last revised: 04/2020A full list of all health providers within our network list within the UAE and Bahrain, Oman and Kuwait.
Last revised: 03/2020| General enquiries | For all general enquiries | integraglobal@dubins.ae |
|---|---|---|
| Quotes and proposals | For any requests for new business quotes and group renewal proposals | quotes-igplans@dubins.ae |
| Member care | For all member service queries and enquiries relating to individual plan renewals | member-care@dubins.ae |
Dubai Insurance Head Office
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Deira
PO Box 3027 Dubai
United Arab Emirates
UAE +971 4269 3030
UK (Int’l) +44 333 405 3003
US +1 888 753 1377 (US toll-free)