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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

General coverHospitalisation benefitsPreventative benefitsOutpatient benefitsMaternity and newborn coverWellness and routine servicesVision care coverEmergency, repatriation and ambulance servicesMedical concierge servicesMental health benefitsExpatriate assistance programmeHIV/AIDS treatmentDurable medical equipmentChronic conditionsPre-existing conditionsCongenital conditionsGeographical cover region optionsDirect billing network optionsDental plan option features
Table of benefitsyourLifePremierLife
Policy year maximum plan benefit AEDAED 5,500,000
AED 7,350,000
Policy year maximum plan benefit $USD$1,500,000 $2,000,000
Table of benefitsyourLifePremierLife
AccommodationPrivate room AED 200/$55 per day benefit Private room AED 200/$55 per day benefit
Semi-private room hospital cash benefit100% | 90% US100%
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment 100% | 90% US100%
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient100% | 90% US100%
Surgeons’ and anaesthetists’ fees100% | 90% US100%
Inpatient consultation by specialist 100% | 90% US100%
Emergency room100% | 90% US100%
Pathology, radiology, and diagnostic tests 100% | 90% US100%
MRI, CT and PET scans100% | 90% US100%
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 | $10,000AED 75,000 | $20,000
Emergency dental treatment (as a result of accident)100% | 90% US100%
Cancer treatment100% | 90% US100%
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 PROGRAMMETransplant 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 transplantsAED 1,800,000 | $500,000AED 1,800,000 | $500,000
Tissue transplants (as part of the overall organ max.)AED 900,000 | $250,000AED 900,000 | $250,000
Table of benefitsyourLifePremierLife
Diabetes tests
Aged 30 and onwards every 3 years, high risk individuals over 18, annually
100%100%
Annual pap smear100%100%
Table of benefitsyourLifePremierLife
OPTION OP100
PremierLife and PremierFamily only
N/A100%
OPTION OP9090%90%
OPTION OP80
yourLife and yourFamily only
80%N/A
Surgery as outpatient100%100%
Physician office visits and specialist fees100%100%
Diagnostic and therapeutic services
(as outpatient)
100%100%
Physical therapy
(as outpatient)
100% | max 30 visits | pre-authorisation required100% | max 50 visits | pre-authorisation required
Occupational therapy
(as outpatient, per visit)
100% | max 30 visits | pre-authorisation required100% | max 50 visits | pre-authorisation required
Chiropractic services
Policy year maximum for chiropractic services
Referral letter required from medical physician
100% | AED 2,750 | $750100% | AED 5,500 | $1500
Complementary medicine
Including TCM, bonesetting, acupuncture,
herbal medicine, homeopathy and osteopathy
100% | AED 1,800 | $500100% | AED 5,500 | $1500
Prescription programme100%100%
DENTAL
Routine dentalN/A100% | AED 5,500 | $1500
Dental plan option availableYes
See dental options
Yes
See dental options
Table of benefitsyourLifePremierLife
Outpatient ante-natal services100% | 8 visits to PHC | 3 ultra scans 100% | 8 visits to PHC | 3 ultra scans
Pregnancy normal delivery90% | AED 7,000 | $2,00090% | AED 7,000 | $2,000
Complicated pregnancy90% | 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 treatmentAED 150,000 | $40,000AED 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 benefitsyourLifePremierLife
ADULTSAED 1,800 | $500AED 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 physician90%100%
Prostate cancer screening: one test per policy year for males age 50 or over90%100%
Immunizations and vaccinations90%100%
CHILD(REN)N/A
Maximum per policy year: birth to age 12 monthsN/AN/A
Maximum per policy year: 13 months and overN/AN/A
Routine medicalN/AN/A
Child preventive care servicesN/AN/A
Hearing testsN/AN/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 benefitsyourLifePremierLife
Vision care cover100%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 | $300AED 1,100 | $300
Table of benefitsyourLifePremierLife
Medical evacuation and assistance100%100%
24/7 Emergency medical assistance hotlineYesYes
Repatriation of mortal remains100%100%
Family emergency travelN/A100% | AED 18,500 | $5,000
Repatriation accompanimentN/A100% | AED 18,500 | $5,000
Repatriation family accompanimentN/AN/A
Table of benefitsyourLifePremierLife
Best possible outcome programmeN/AYes
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 programmeN/A100%
Ages 40-50 one high level physical examination every three yearsN/AAED 3,600 | $1,000
Ages 50+ one high level physical examination every three yearsN/AAED 5,500 | $1,500
Blood care programmeN/AYes
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 accountYESYes
Table of benefitsyourLifePremierLife
Policy year maximum for mental health benefits (inpatient and outpatient)AED 92,000 | $25,000AED 92,000 | $25,000
Policy year mental illness, maximum
(out-of-hospital) 15 visits
AED 9,200 | $2,500 per policy yearAED 9,200 | $2,500 per policy year
Emergency treatmentAED 150,000 | $40,000AED 150,000 | $40,000

Elected co-pay option applies for all outpatient benefits in this section.

Table of benefitsyourLifePremierLife
Expatriate Assistance ProgrammeYesYes

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 benefitsyourLifePremierLife
HIV/AIDS treatmentYesYes
Policy year maximumAED 92,000 | $25,000AED 92,000 | $25,000

Elected co-pay option applies for all outpatient benefits in this section.

Table of benefitsyourLifePremierLife
Durable medical equipmentYesYes
Policy year maximumAED 55,000 | $15,000AED 75,000 | $20,000

Elected co-pay option applies for all outpatient benefits in this section.

Table of benefitsyourLifePremierLife
Chronic conditionsYesYes

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 benefitsyourLifePremierLife
Policy year maximum plan benefitAED 150,000 | $40,000AED 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 benefitsyourLifePremierLife
Policy year maximum plan benefitAED 150,000 | $40,000AED 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 benefitsyourLifePremierLife
CLASS I EXPENSES
Diagnostic – general preventive
YesIncluded under your Premier medical plan
CLASS II EXPENSES
Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
AED 4,400 | $1,200AED 10,000 | $2,700
CLASS III EXPENSES
Restorative (major); prosthodontics –
removable (installation); fixed bridge
(installation).
AED 2,700 | $750AED 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

Downloads

Marketing brochuresTable of benefitsPolicy wording and summaryFormsGuidesUAE MedNet Direct Billing Network
United Arab Emirates (UAE)

International network list (IG00421)

International network list

A full list of all health providers on our international network.

8th April 2020Last revised: 04/2020
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United Arab Emirates (UAE)

Mednet Direct Billing List for the UAE (IG00269)

Mednet Direct Billing List for the UAE

A full list of all health providers within our network list within the UAE and Bahrain, Oman and Kuwait.

2nd October 2017Last revised: 03/2020
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Key contacts for UAE

General enquiriesFor all general enquiriesintegraglobal@dubins.ae
Quotes and proposalsFor any requests for new business quotes and group renewal proposalsquotes-igplans@dubins.ae
Member careFor all member service queries and enquiries relating to individual plan renewalsmember-care@dubins.ae

Dubai Insurance Co (P.S.C.)

Dubai Insurance Head Office
Al Riqqa Road
Deira
PO Box 3027 Dubai
United Arab Emirates

UAE +971 4269 3030 Ext 230
UK (Int’l) +44 333 405 3003
US +1 888 753 1377 (US toll-free)

Integra Global Health Deutschland GmbH, Bahnhofstrasse 81, 82166, Gräfelfing, Germany. Versicherungsvertreter mit Erlaubnis nach § 34d Abs. 1 GWO Reg.-Nr. D-VWTV-OIPY1-28 Amtsgericht Munich HRB246266. Geschäftsführer Philip Catterton & Paul Matthews. Integra Global und MarineSure sind Handelsnamen der Integra Global Health Deutschland GmbH. Impressum
Integra Global Health Deutschland GmbH, Bahnhofstrasse 81, 82166 Gräfelfing, Germany. A Registered Insurance Intermediary authorised acc. to § 34 d para. 1 GWO [German Trade Regulation] with reg. no.: D-VWTV-OIPY1-28. Court of registration: Munich HRB246266. Managing Directors: Philip Catterton & Paul Matthews. Integra Global and MarineSure are trading names of Integra Global Health Deutschland GmbH. Legal notice
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