Expacare Health Insurance

Medical insurance plans - Dubai Choices Plans:

These plans are suitable for individuals, families and SME’s

Compulsory Plan (Core, Cancer Treatment and Chronic Care)

1. In-patient and day-patient hospital services including diagnostics and physicians', specialists' and anesthetists' fees
2. Palliative care
3. Congenital cover
4. Emergency medical evacuation
5. Ambulance services
6. Rehabilitation facility as an alternative to post-acute care (maximum 14 days
7. Hospice care (maximum 6 weeks)
8. Repatriation of mortal remains or local burial costs
9. Dental treatment following an accident (within 3 months of accident)
10. Post-hospital out-patient treatment (follow up)
11. Out-patient surgery
12. In-patient psychiatric treatment
13. Parent accommodation (if treatment of child under 18 requires hospitalization)
14. Surgical/medical prosthesis and appliances
15. Mobility aid
16. CT, MRI and PET scans
17. Kidney dialysis
18. Organ donor costs

Flexible options that must be added to the compulsory plan highlighted above are as follows:

Option 1 – Dubai Maternity Module (1 of the 3 options below is compulsory in Dubai)

Dubai Module – Basic

1. Companion hospital accommodation
2. Maternity – in & out-patient
3. Newborn care
4. Vaccinations and inoculations for newborns and children
5. Preventative services
6. Emergency dental treatment
7. Hearing and optical

Dubai Module – Maternity 1

1. Companion hospital accommodation
2. Maternity – out-patient
3. Maternity care (routine)
4. Maternity care (with complications)
5. Maternity care (emergency surgery)
6. Newborn care
7. Vaccinations and inoculations for newborns and children
8. Preventative services
9. Emergency dental treatment
10. Hearing and optical

Dubai Module – Maternity 2

1. Companion hospital accommodation
2. Maternity – out-patient
3. Maternity care (routine)
4. Maternity care (with complications)
5. Maternity care (emergency surgery)
6. Newborn care
7. IVF (In vitro fertilisation) (50% co-pay and 2-year waiting period applies)
8. Vaccinations and inoculations for newborns and children
9. Preventative services
10. Emergency dental treatment
11. Hearing and optical

Option 2: Out-Patient Treatment (1 of the 2 options must be selected)

Out-Patient Extended

1. Overall maximum policy limit – USD 2,550,000
2. Out-patient option limit
3. Consultations and diagnostic services with doctors or specialists
4. Out-patient psychiatric treatment
5. Prescription drugs
6. Vaccinations
7. Hormone replacement therapy (HRT) for menopausal conditions
8. Physiotherapy
9. Occupational therapy
10. Complementary therapies
11. Traditional Chinese medicine and bone-setting
12. Developmental disorders (maximum 3 visits)

Advanced Out-Patient

1. Overall maximum policy limit – USD 8,500,000
2. Includes all the above plus:
3. HIV and AIDS treatment
4. Rehabilitation for alcohol and drug addiction (lifetime limit)

Option 3: Additional Benefits (All the below are optional)

Dental, Wellness, and Optical

1. Dental treatment (20% co-pay applicable)
2. Wellness benefit
3. Optical cover

For further information please refer to the brochures in the resources section, or contact us for more detailed information.