DRAGON OIL TAILORED PLAN

All benefits are per insured person, per annum.

Coverage 1. Worldwide excluding USA

2. Worldwide including USA

Full Room on Board :Private Room

Employees Location Worldwide Excluding USA (Optional for USA)

Overall Annual Maximum USD 272,330.00

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BENEFIT DETAILS BENEFIT LIMIT
PAYMENT INSURANCE

OUT-PATIENT TREATMENT

Advanced imaging, X-ray and diagnostic tests Paid in full No No

Examination, diagnosis, surgical operations and

treatment services in clinics and health centres by Paid in full subject to any co-insurance No 10%
general practitioners/family doctor and consultants

Pathology services Paid in full subject to any co-insurance No 10%

Costs for treatment by therapists, complementary

medicine practitioners (Ayurveda, Homeopathy,
acupuncture..etc....) and qualified nurses 40 visits each insurance period No 10%
(excluding physiotherapy)

Physiotherapy treatment services 40 visits each insurance period, Paid in full No No

PREVENTIVE SERVICES:

Essential vaccinations and inoculations for

newborns and children. Paid in full No No

Wellness - mammogram, cervical smear test,

prostate cancer screening or colon cancer Paid in full No No
screening (excluding employees)

Full Health Screening (excluding employees) Paid in full No No

Diabetes Screening including initial diabetes

screening, Fasting Blood Sugar and HbA1c Every 3 years from age 30.
tests are covered once a policy year for eligible No No
High risk individual annually from age 18
members. (excluding employees)

Young childcare - up to and including age 6 years Paid in full No No

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IN-PATIENT AND DAY CASE TREATMENT

In-patient and day-case healthcare services Paid in full No No

Advanced imaging, tests, diagnosis and treatments Paid in full No No

Emergency medical services Paid in full No No

Transportation services for medical emergency

conditions by an authorised party Paid in full No No

Accommodation for a person accompanying an

insured child up to 18 years of age Paid in full No No

Accommodation of an accompanying person in

the same room in cases of critical conditions and Maximum 27 USD per night No No
at the recommendation of an attending physician

FURTHER TREATMENT

Pre-existing conditions Paid in full No No

Cancer treatment Paid in full No No

Congenital diseases if life threatening / emergency Paid in full No No

Dental treatment
90% preventive treatment USD 2,723 per person per annum subject to
No 10%
90% routine treatment any co-insurance
90% major restorative or orthodontic treatment

Diagnostic tests and treatment services for dental

and gums for emergency dental treatment only Covered -Direct Billing No No

HIV/AIDS drug therapy including ART USD 1,360 per person per annum No No

Healthcare services for senile dementia and

Paid in full No No
Alzheimer's disease

Healthline Services Paid in full No No

Hearing aids, vision aids, and vision correction

by surgeries, and laser for emergency medical Paid in full No No
conditions only

Hepatitis and associated complications Paid in full No No

Home nursing after in-patient treatment Paid in full No No

Hospice and palliative care Paid in full No No

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Covered up to USD 55 per day of

hospitalisation if In-patient treatment
In-patient cash benefit No No
not claimed where treatment taken in
Government Hospitals

Kidney dialysis Paid in full No No

We pay up to USD 6,500 each insurance

Local Air ambulance No No
period

Local Road ambulance Paid in full No No

Evacuation & Repatriation Covered including accompanying person No No

Accidental damage to natural teeth following an

Paid in full No No
accident

Emergency Dental treatment Paid in full No No

Natural Disasters & Road traffic accident Paid in full No No

Work related injuries Paid in full No No

Deviated nasal septum Paid in full No No

Second Opinion Paid in full No No

Sports Injuries Paid in full No No

Emergency treatment outside area of cover Paid in full No No

MATERNITY SERVICES:

Out-patient antenatal services Covered up to the annual limit No No

In-patient and day-case – Normal maternity and

Covered up to USD 4,080 per person No No
Childbirth

Covered under annual aggregate limit for

In-patient and day-case maternity complications No No
inpatient treatment

Cover for 30 days from birth. BCG, Hepatitis B

and neo-natal screening tests (Phenylketonuria
Neonatal / Newborn Cover No No
(PKU), Congenital Hypothyroidism, sickle cell
screening, congenital adrenal hyperplasia)

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MENTAL HEALTH CONDITIONS:

Acute conditions - Out-patient and In-patient /

Paid in full No No
day-case treatment

Chronic conditions - Out-patient treatment Paid in full No No

Chronic conditions - In-patient and day-case

Paid in full No No
treatment

OPTICAL:

Optical treatment Covered up to USD 260 each insurance period No No

PROSTHESES AND CONSUMED MEDICAL EQUIPMENTS:

Prosthetic devices Paid in full No No

Prosthetic implants and appliances Paid in full No No

Rehabilitation (out-patient and in-patient / day-

30 days each insurance period No No
case treatment)

Transplant services :Health services and associated

expenses for organ and tissue transplants where Paid in full No No
you are a recipient only

For further information or to receive a personal

quotation, please contact your usual adviser
109073 - Dragon Oil - Nov23