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General Description
Medical Insurance- Individual & Group
offers a wide selection of covers to suit individual requirements. Apart from its own plans, it also offers the top of the range cover from International Health Insurance danmark, one of the most reputed companies in this field in the world.

The salient features of its plans are:

1) Both inpatient & outpatient treatment can be covered. There is also an option to cover inpatient treatment only.

2) Geographical Areas include the following:
a) UAE only.

b) Worldwide excluding USA/Canada/Japan.
c) Worldwide.

3) Flexible limits to suit individual requirements:
a) UAE Plan : DH.50,000/DH.100,000.
b) Worldwide Excluding USA/Canada : US$ 50,000/US$ 250,000.
c) Worldwide : US$ 150,000/US$ 250,000.

4) Option to choose a deductible from DH.50/- to DH.1,000/- per claim.
Main Exclusions are :
1) Maternity
2) Dental Treatment
3) Pre-existing conditions.

The salient features of IHI danmark’s International Health and Hospital Plan are as under:
1. Worldwide cover: there is no limit on the time you can spend abroad
2. You can choose any place of treatment.
3. No restrictions on occupation, hobbies, pursuit of sports, even if conducted on a professional level.
4. Children under 10 years of age are included free of charge under a parent′s policy.
5. Guaranteed lifetime renewability once accepted.
6. Own 24- hour Emergency Service.
7. Guaranteed direct payment to hospitals when IHI is notified in advance, or when informed of an emergency hospita1isation.

Hospital Plan -generally 100% cover (with limits on some benefits)

· Annual Maximum Cover: US$ 1,500,000
· In-patient treatment
· Organ Transplants
· Outpatient treatment in a hospital or clinic
· Local transport by ambulance
· Rehabilitation
· Home Nursing
· Childbirth
· Emergency dental treatment

Any of the following modules can be added on to the Hospital Plan,

1 -Non-hospitalisation benefits - annual maximum cover $35,000
2 -Medicine & Appliances - 100% cover, limits on some benefits
3 -Medical Evacuation - 100% cover
4a or 4b -Dental & Optical Cover - annual maximum cover $5,000 or $7,500

All of the plans are available without a deductible, or you can choose either a $400 or $1,600 annual deductible per person on the following plans:

· Hospital Plan

1 - Non-hospitalisation benefits
2 - Medicine & Appliances

(last updated: 21-June-2002)

The documentation was gathered with the best efforts of researchers and scholars, in neutral and scientific spirit. We welcome all clarifications, corrections and improvements for best services. A Concept Team makes every effort to ensure, but cannot guarantee, the accuracy at all times of this information. Hyperlinks to or from other websites imply neither responsibility for, nor approval of, the information contained in those websites by A Concept.
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