Plans for individuals

residing in the UAE

yourLife

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.

PremierLife

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

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%

Want more comprehensive maternity cover?

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.

Cover Region 1 – Worldwide including US and their territories.

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 – Worldwide but excluding US and their territories.

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

Option must be chosen on enrolment and requisite premium paid in order for benefits to be applicable in this section. In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.

Table of benefits	yourLife	PremierLife
Policy year maximum plan benefit	N/A	AED 365,000 \| $100,000
Loss of life	100%	100%
Loss of sight of both eyes	100%	100%
Loss of both hands or arms	100%	100%
Loss of both feet or both legs	100%	100%
Loss of one arm and one leg	100%	100%
Loss of sight of one eye	50%	50%
Loss of one foot or one leg	50%	50%
Loss of one hand or arm	50%	50%

N.B. Benefits cannot exceed two times annual salary. See rate sheet for benefit sums available.

Downloads

Marketing brochures Table of benefits Policy wording and summary Forms Guides UAE MedNet Direct Billing Network

Individual enrolments	For all queries related to individual enrolments and dependent additions	enrol-igplans@salama.ae
Group enrolments, new joiners and cancellations	For all queries related to group enrolment, new joiners or cancellations	groupenrol-igplans@salama.ae
Quotes and proposals	For any requests for new business quotes and group renewal proposals	groupquotes-igplans@salama.ae
Group billing	For all queries relating to group billing	groupbilling-igplans@salama.ae
Member care	For all member service queries and enquiries relating to individual plan renewals	member-care@salama.ae

Plans for individuals

residing in the UAE

yourLife

PremierLife

Table of benefits

Cover Region 1 – Worldwide including US and their territories.

Cover Region 2 – Worldwide but excluding US and their territories.

Downloads

Key contacts for UAE

SALAMA-Islamic Arab Insurance Co. (PSC)