AMAN Insurance

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Mo’azara

Regional Coverage – Including treatment at standard facilities

The AMAN Healthcare Mo’azara Plan offers an adequate level of protection at competitive premium. This plan provides regional cover within the UAE and throughout the Middle East, India, Pakistan, Sri Lanka, Bangladesh and the Philippines with a coverage limit upto AED 100,000/- per person per policy year.

Within the UAE, plan members will be provided with AMAN Healthcare cards that will enable them cashless/direct settlement benefit within our extensive list of healthcare providers at standard facilities. Treatment outside the network within the UAE is also allowed but subject to an element of coinsurance.

Group schemes also have the option to buy Emergency Repatriation and Evacuation Service benefit which will provide for the transportation of the member to nearest medical facility where treatment can be availed.

Plan members will also have access to 24 hours/365 days telephone Helpline manned by professional medical staff (including help in obtaining Pre-authorization) from Neuron.

Contact with our technical team by email: info@aman.ae

Benefit Details


MO’AZARA
Geographical Scope	» 250,000 » 100,000
Accidental and Emergency Treatments outside the territory of cover	Covered as per below terms & conditions » Subject to reasonable and customary UAE rates » Claims documents to be submitted up to maximum of 60 days per policy year » Excluding USA and Canadar
In-Patient Charges » Prescribed Drugs & Dressings » Surgeon’s , Anesthetist’s and Physician’s fees	Full Refund
Hospital Accommodation Room & Board	Semi-Private
Intensive Care Unit	Covered
In-Patient cash benefit (Subject to maximum of 7 days per person per year if treatment is taken at selected list of hospitals)	Not Applicable
Parent Accommodation (Hospital accommodation in respect of a parent or legal guardian staying with an Insured Person who is under 18 years of age)	Covered
Home Nursing Care (Immediately following hospital discharge if recommended and subject to Pre-authorization)	Covered up to maximum 13 weeks
Pathology, X-rays, CT scans including MRI, Radiotherapy, Chemotherapy and Prescribed Physiotherapy	Covered (Subject to pre-authorization for specialized investigations and Physiotherapy treatment)
Out-Patient Charges » Prescribed Drugs & Dressings » Surgeon’s , Anesthetist’s and Physician’s fees » Out-Patient Surgical Procedure » Medical Practitioner fees including consultations, specialist fees and General Practitioner fees (subject to deductible if any)	Full Refund
Alternative Medicine Therapy including Chiropractic, Acupuncture, Ayurveda and Homeopathy (Subject to pre-authorization)	Not Applicable
Emergency Local Ambulance Charges	Up to maximum of AED 2,000 per trip
Organ Transplant (as recipient only)	Covered up to annual benefit limit
Pre-existing and Chronic Conditions (applicable for groups of 20 employees and above)	Covered up to annual benefit limit
Accidental Damage to Natural Teeth following an accident	Full Refund
Repatriation of mortal remains or local burial charges » Transportation of a body or ashes to the Country of Nationality or Country of Residence OR » Burial or cremation costs at the place of death	Covered up to AED10,000 per person
Emergency Medical Evacuation – Optional benefit subject to additional premium	Not Applicable
Additional Benefits (Optional)
Routine Dental Treatment (subject to coinsurance)	» 2,000 » 3,000 » 4,000 » 5,000
Pregnancy & Childbirth (subject to minimum of 20 eligible females in between age band of 18-45)	» 5,000 » 10,000 » 15,000
New Born Care (applicable only if Maternity benefit is opted)	Full Refund
Optical Benefit	» 1,000 » 1,500 » 2,000 » 2,500