MEDICAL

SCHEMES

TYPE PRODUCT

INDIVIDUAL / FAMILY Family Care / Individual Dependents

SME 5 – 150 Members

BIG GROUP 150 above Members

EBP SCHEMES DHA Basic & Enhanced Products

 TPA - OPTIONS

• MEDNET
• NAS
• ENET
 Family Care - MedNet
• Individual Policy
• Plan applicable for full family members
• Annual Benefit Limit per person AED 1,000,000/-
• Geographical Scope of Coverage - World wide
• 5 Network options available
• All pre -existing medical conditions should be declared on the Medical Application
Form and is subject to medical underwriting
• All declared Pre-existing and Chronic conditions are covered with a sub limit of
AED 150,000/-
• Undeclared preexisting conditions will not be covered during the policy period and
will be underwritten at renewal.
 Family Care – Indicative Terms (DXB)
INDICATIVE INDIVIDUAL CONTRIBUTION RATES - NON AUH - Effective June 01, 2017

PLAN : DAT - FAMILYCARE (WORLD-WIDE) ANNUAL LIMIT : AED 1,000,000/- DEDUCTIBLE - 20% MAX AED 50/-and 10% Copay all other OP services

GOLD SILVER PREMIUM SILVER CLASSIC GREEN SILK ROAD

AGE BAND
MALE FEMALE MALE FEMALE MALE FEMALE MALE FEMALE MALE FEMALE

[0-15] 8,713.15 8,713.15 6,428.27 6,428.27 5,224.85 5,224.85 4,108.17 4,108.17 3,799.18 3,799.18

[16-20] 9,119.71 9,119.71 6,739.96 6,739.96 5,447.11 5,447.11 4,306.04 4,306.04 3,997.05 3,997.05

[21-25] 9,198.31 10,312.29 6,794.18 7,599.18 5,490.48 6,127.42 4,338.56 4,823.73 4,026.87 4,471.37

[26-30] 9,556.07 13,280.17 7,059.80 9,707.85 5,693.76 7,840.40 4,501.19 6,089.47 4,178.64 5,604.31

[31-35] 11,298.88 14,860.33 8,301.16 10,838.09 6,696.62 8,751.10 5,246.55 6,769.79 4,848.13 6,216.88

[36-40] 13,456.35 15,242.52 9,840.67 11,128.13 7,940.67 8,965.20 6,170.78 6,948.67 5,680.20 6,390.33

[41-45] 15,838.79 17,329.51 11,556.36 12,664.89 9,304.00 10,136.11 7,211.58 7,897.31 6,628.85 7,290.18

[46-50] 19,565.58 21,246.04 14,258.62 15,537.92 11,426.26 12,353.22 8,854.08 9,659.07 8,149.38 8,943.52

[51-55] 24,940.31 29,984.37 18,232.08 22,015.79 14,451.07 17,259.04 11,307.00 13,665.04 10,480.33 12,770.62

[56-60] 31,827.42 37,470.49 23,265.28 27,479.95 18,356.75 21,506.24 14,386.00 17,004.26 13,358.77 15,887.58

[61-65] 38,809.44 42,647.37 28,339.17 31,228.44 22,324.77 24,457.86 17,478.58 19,280.98 16,226.38 17,985.42

[66-99] 46,019.09 46,019.09 33,646.11 33,646.11 26,390.36 26,390.36 20,741.89 20,741.89 19,310.80 19,310.80
Family Care – Indicative Terms (AUH)
INDICATIVE INDIVIDUAL CONTRIBUTION RATES - AUH - Effective June 01, 2017
PLAN : DAT - FAMILYCARE (WORLD-WIDE) ANNUAL LIMIT : AED 1,000,000/- DEDUCTIBLE - AED 50/- 10% copay on PH

SILVER PREMIUM SILVER CLASSIC GREEN

AGE BAND
MALE FEMALE MALE FEMALE MALE FEMALE

[0-15] 7,035.27 7,035.27 5,641.17 5,641.17 4,499.02 4,499.02

[16-20] 7,456.07 7,456.07 5,941.22 5,941.22 4,766.13 4,766.13

[21-25] 7,507.56 8,405.38 5,984.58 6,685.77 4,795.94 5,341.26

[26-30] 7,825.49 10,621.27 6,224.06 8,467.59 4,990.02 6,676.15

[31-35] 9,146.13 11,833.49 7,277.59 9,434.38 5,788.37 7,412.17

[36-40] 10,781.58 12,206.04 8,586.86 9,704.60 6,774.53 7,642.26

[41-45] 12,677.51 14,048.43 10,076.88 11,092.60 7,932.15 8,785.11

[46-50] 15,735.40 17,421.78 12,442.53 13,662.60 9,801.11 10,862.35

[51-55] 20,531.02 25,328.19 16,051.82 19,579.97 12,777.26 15,775.49

[56-60] 26,384.15 31,650.06 20,531.17 24,428.86 16,377.60 19,662.07

[61-65] 32,181.82 35,871.76 25,005.91 27,708.02 19,933.93 22,243.45

[66-99] 38,504.79 38,504.79 29,789.90 29,789.90 23,841.79 23,841.79

 SME – MedNet (Guardian MED)
• Group Policy
• Minimum group size is 5 employees
• Maximum membership allowed is 150
• Group consists 20 employees or less required to fill up MAF
• Above 21 employee groups, please refer to DAT UW team.
• Geographical Scope of Coverage - 5 Options
• 5 Network options available
• All declared Pre-existing and Chronic conditions are covered with a sub limit of
AED 150,000/-
• Undeclared preexisting conditions will not be covered during the policy period and
will be underwritten at renewal.
 EBP – Basic & Enhanced
• Group Policy
• Maximum membership allowed is 250 (* Above 250 claims report required)
• Plan applicable for employees and dependents
• Above 250 member group, refer to DAT team with DHA claims report
• Geographical Scope of Coverage - UAE + Home country* (SEA* for IP only)
• 3 TPA options available (Mednet / Nas / Enet)
• Existing pregnancies to be declared at inception and contribution subject to
change
• No maximum salary for NLSB
• Plans are not applicable for AUH & AL AIN visa holders
• Options available with OP access to hospital as well as direct specialist access with
referral from GP (ENET)
• For bigger groups, we can provide Cedars Hospital or Belhoul European Hospital or
Central Private Hospital in OP with Enet 1
• Dental Benefit – 50% discount at selected network clinics (Enet)
Mednet – EBP Schemes
FOR LSB MEMBERS ONLY Below 4k (below rates are indicative only) ( Age 0 – 80)

0 As per attached TOB = (UAE + Home Country): AED 525/-PMPY

PEC-NIL waiting period, with 20% copayment on consultation, diagnostic tests, physiotherapy. 30% copayment on
1
pharmacy. Pharmacy limit- 5000  AED 620 /-PMPY
2 PEC-NIL waiting period ,10% copay on all OP with 2500/-pharmacy limit:  AED 756/-PMPY
3 PEC-NIL waiting period ,10% copay on all OP with 3000/-pharmacy limit: AED 768/-PMPY
4 PEC-NIL waiting period ,10% copay on all OP with 5000/-pharmacy limit: AED 780/-PMPY

FOR NON LSB MEMBERS above 4000 salary (below rates are indicative only) ( Age 0 – 80)
PEC-NIL waiting period, with 20% copayment on consultation, diagnostic tests, physiotherapy. 30% copayment on
1
pharmacy. Pharmacy limit- 5000  AED 744 /-PMPY
2 PEC-NIL waiting period ,10% copay on all OP with 2500/-pharmacy limit:  AED 907/-PMPY
3 PEC-NIL waiting period ,10% copay on all OP with 3000/-pharmacy limit: AED 921/-PMPY

4 PEC-NIL waiting period ,10% copay on all OP with 5000/-pharmacy limit: AED 936/-PMPY
Mednet – EBP Schemes
FOR Partners  (below rates are indicative only) ( Age 0 – 65)
PEC-NIL waiting period, with 20% copayment on consultation, diagnostic tests, physiotherapy. 30% copayment on
1
pharmacy. Pharmacy limit- 5000  AED 1042 /-PMPY
2 PEC-NIL waiting period ,10% copay on all OP with 2500/-pharmacy limit:  AED 1270 /-PMPY
3 PEC-NIL waiting period ,10% copay on all OP with 3000/-pharmacy limit: AED 1290/-PMPY

4 PEC-NIL waiting period ,10% copay on all OP with 5000/-pharmacy limit: AED 1310/-PMPY

Above 65 years AED 7345/- PMPY

MAF required above 80 only
Mednet – EBP Schemes

FOR DEPENDENTS ( SPOUSE & CHILDREN)*

Age Band Male Female
0-18                 1,138                     1,138
19-45                 2,012                     2,347
46-60                 3,062                     3,062
61+                 6,376                     6,376

* Legal Dependents: Unmarried Children who are under 18 year old, or below 25 years if still a full time university
student and the Spouse(s) of an Insured UAE resident.

FOR ELDERLY DEPENDENTS (PARENTS)

Age Band Male Female

Parents sponsored by an UAE Resident                 6,376                 6,376

Cover for members above 80 years of age is subject to medical underwriting, and benefits shall be based on the
assessment of Medical Application Form
 NAS – EBP Schemes (LSB)
Plan Salary Band Network PREXISTING IP OP Benefit Contribution per member
EBP BASIC <4K NAS 6 20% Copay Max 500 Basic DHA 525
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 1500 700
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 3000 738
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 5000 763
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 10000 869
EBP ENHANCED <4K NAS 0 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 1500 688
EBP ENHANCED <4K NAS 0 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 3000 725
EBP ENHANCED <4K NAS 0 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 5000 750
EBP ENHANCED <4K NAS 0 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 10000 856
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 1500 650
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 3000 688
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 5000 719
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 10000 819
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 1500 675
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 3000 713
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 5000 738
EBP ENHANCED <4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 10000 838
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 1500 675
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 3000 713
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 5000 738
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 10000 844
EBP ENHANCED <4K NAS 6 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 1500 663
EBP ENHANCED <4K NAS 6 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 3000 700
EBP ENHANCED <4K NAS 6 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 5000 725
EBP ENHANCED <4K NAS 6 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 10000 831
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 1500 625
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 3000 663
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 5000 694
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 10000 794
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 1500 650
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 3000 688
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 5000 713
EBP ENHANCED <4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 10000 813
NAS – EBP Schemes (NLSB)

Plan Salary Band Network PREXISTING IP OP Benefit Contribution per member

EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 1500 823
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 3000 860
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 5000 891
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 10000 991
EBP ENHANCED >4K NAS 0 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 1500 810
EBP ENHANCED >4K NAS 0 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 3000 848
EBP ENHANCED >4K NAS 0 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 5000 873
EBP ENHANCED >4K NAS 0 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 10000 979
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 1500 773
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 3000 810
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 5000 841
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 10000 941
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 1500 798
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 3000 835
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 5000 860
EBP ENHANCED >4K NAS 0 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 10000 960
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 1500 794
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 3000 831
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 5000 863
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & No Copay on other OP services, Pharmacy limit 10000 963
EBP ENHANCED >4K NAS 6 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 1500 781
EBP ENHANCED >4K NAS 6 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 3000 819
EBP ENHANCED >4K NAS 6 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 5000 844
EBP ENHANCED >4K NAS 6 Nil Copayment 10% Copayment on all OP services + Pharmacy up to 10000 950
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 1500 744
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 3000 781
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 5000 813
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 20% Copay on other OP services, Pharmacy limit 10000 913
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 1500 769
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 3000 806
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 5000 831
EBP ENHANCED >4K NAS 6 Nil Copayment 20% Max AED 25/- on consultation & 10% Copay on other OP services, Pharmacy limit 10000 931
NAS – Dependents

Age band Contribution / PMPY

Child Dependents ( 0- 17) 596.00
Females 18-45 Dependents 1,548.00
Females 46-60 Dependents 1,310.00
Males 18-60 Dependents 1,191.00
Members (61+) 3,334.00

• Legal Dependents: Unmarried Children who are under 18 year old, or below 25 years if still a full time
university student and the Spouse(s) of an Insured UAE resident.
• Members above 65 required to fill MAF and contribution subject to change
E net – EBP Schemes (LSB & NLSB)

Network Name Description

Enet 1 OP access to clinics only
Enet 2 OP access to clinics + 6 Hospitals
Enet Plus OP access to clinics + 11 Hospitals
E net – EBP Schemes (LSB & NLSB)

Options WP Consultation IP OP Pharmacy Phy. Limit Network LSB HSB

Option 1 YES 20% 20% 20% 30% 1500 ENET -1 525 N/A
Option 2 YES 20% 20% 20% 30% 1500 ENET -1 N/A 832
Option 3 YES 20% max 25 0% 0% 0% 1500 ENET -2 594 911
Option 4 YES 10% 0% 10% 10% 1500 ENET -2 563 879
Option 5 YES 20% 0% 20% 20% 1500 ENET -2 531 848
Option 6 NO 20% max 25 0% 0% 0% 1500 ENET -2 643 927
Option 7 NO 10% 0% 10% 10% 1500 ENET -2 611 896
Option 8 NO 20% 0% 20% 20% 1500 ENET -2 580 864
Option 9 YES 20% max 25 0% 0% 0% 5000 ENET -2 719 982
Option 10 YES 10% 0% 10% 10% 5000 ENET -2 669 932
Option 11 YES 20% 0% 20% 20% 5000 ENET -2 625 888
Option 12 NO 20% max 25 0% 0% 0% 5000 ENET -2 768 1052
Option 13 NO 10% 0% 10% 10% 5000 ENET -2 705 989
Option 14 NO 20% 0% 20% 20% 5000 ENET -2 674 958
Option 15 YES 20% max 25 0% 0% 0% 3000 ENET -2 656 920
Option 16 YES 10% 0% 10% 10% 3000 ENET -2 625 888
Option 17 YES 20% 0% 20% 20% 3000 ENET -2 594 857
Option 18 NO 20% max 25 0% 0% 0% 3000 ENET -2 674 958
Option 19 NO 10% 0% 10% 10% 3000 ENET -2 643 927
Option 20 NO 20% 0% 20% 20% 3000 ENET -2 611 896
E net – EBP Schemes (LSB & NLSB)

Enet Plus (LSB) Enet Plus (HSB)

Product Consultation IP, OP & Pharmacy Limit (Direct Access to (Direct Access to
Pharmacy
Specialist) Specialist)
ENET PLUS PLAN 1 20% Max 25 AED 0% 5000 1135 1575
ENET PLUS PLAN 2 20% Max 25 AED 0% 7500 1180 1624
ENET PLUS PLAN 3 20% Max 25 AED 0% 10000 1363 1830

 Less than 10 Employees - Subject to Individual Underwriting.

 Minimum 5 employees required
E net – EBP Schemes (LSB & NLSB)
OP Access to Hospitals ( Enet 2)
CEDARS Jebele Ali Hospital – Dubai
Belhoul European Hospital – Dubai
Central Private Hospital – Sharjah
Al Saha Wa Al Shifa Hospital – Sharjah
Emirates European Hospital – Sharjah
Al Sharq Hospital – Fujairah
OP Access to Hospitals ( Enet Plus)
CEDARS Jebele Ali Hospital – Dubai
Belhoul European Hospital – Dubai
NMC Specialty Hospital – Dubai
NMC Hospital Deira – Dubai
NMC Hospital DIP – Dubai
Central Private Hospital – Sharjah
Al Saha Wa Al Shifa Hospital – Sharjah
Emirates European Hospital – Sharjah
Al Sharq Hospital – Fujairah
Al Oraibi Hospital – RAK
Al Zahrawi Hospital – RAK
THANK YOU