The policy covers medical expenses due to both inpatient and outpatient treatment due to both accident and sickness.

The types of medical expenses generally covered are:
Room Charges
Operation Theatre Charges
Diagnostics / Laboratory
Consultants Fees / Specialists Fees
Drugs & Medicines

Other Points:
The Policy has an overall limit and sub-limit for outpatient and some of the benefits.
The Geographical area for which cover is needed is another important point.
Normally cover is granted for UAE without any restriction and native country for emergency during business visit and vacation. Variations of geographical area covered is possible depending upon client requirement.

Cover for Dental Treatment is available only for accidents – Dental treatment due to sickness is an optional cover available at additional premium.

Cover for maternity is an optional cover available at additional premium.
There are two types of claim settlement either direct billing with network of hospitals or on reimbursement basis.

Exclusions:
The most significant is pre-existing ailments – but for large groups cover against pre-existing diseases is possible.

There are a number of other exclusions like chronic conditions, alternative systems of medicine etc.

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