Orient Health Insurance

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About Orient Health Insurance Dubai

Started in 1982. Orient Insurance Company is one of the leading players in the UAE insurance market. It is part of the renowned Al-Futtaim group with a strong financial base and a distinguished track record. Orient Insurance has a paid-up capital of about AED 500 million, the highest among insurance companies in the UAE. The company has its head office in Dubai, with branches in Abu Dhabi, Sharjah, Jebel Ali, Al Ain, Ras Al Khaimah, Oman, and Bahrain.

Orient Health Insurance has the largest team of qualified insurance executives in the region. A wide range of health insurance plans protects individuals and their family members from skyrocketing medical expenses. These plans provide global coverage to policyholders at competitive prices.

Orient Medical Insurance Plans in the UAE

Some of the major Orient Health Insurance Plans and their details are provided below:

EMed

This is an individual health plan that covers employees or domestic workers with a gross monthly salary of up to AED 4,000. The plan is fully compliant with the mandatory health insurance requirements applicable to Dubai visa holders.

DMed

This policy covers the non-working dependents and parents of employed individuals. It complies with the mandatory health insurance requirements for Dubai visa holders.

IMed

This medical insurance plan is designed for investors in the UAE.

NEMed

Orient Medical Insurance has a standard health plan for visa holders in the Northern Emirates region (Ajman, Fujairah, Ras Al-Khaimah, Sharjah, and Umm al-Quwain). It covers employees with a monthly salary of up to AED 15,000, along with their spouses and children.

Family Care Plan

A fixed sum assured covers more than one family member for a single annual premium. This plan provides protection for two or more family members in the event of hospitalisation or if any disease is diagnosed.

Health Plus

This plan offers international coverage to all family members for a single annual premium. It is administered by Nextcare. All the residents of the UAE are eligible for this plan.

What is Covered Under Orient Medical Insurance?

Orient Health Insurance UAE provides the following benefits to its policyholders under various plans.

1 - EMed

Hospital accommodation

Hospital services – Surgery, anaesthesia, pharmacy, laboratory, radiology, and theatre.

Network – Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services).

Pre-existing medical conditions covered after a waiting period of 6 months at the time of first membership.

Outpatient services – 20% co insurance payable by the insured

Geographical coverage – UAE and native country.

Annual medical limit – AED 150,000

Preventive Services, vaccines, and immunizations.

Maternity Benefits – Covered after a six-month waiting period from the date of the first membership.

Pharmacy – AED 1,500 per annum (including co-insurance of 30%)

2 - DMed

Annual Medical Limit – AED 150,000

Geographical Coverage – UAE and Home Country.

Network – Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services).

Pre-existing medical conditions covered after a waiting period of 6 months at the time of first membership.

Outpatient services – 20% co-insurance payable by the insured

Preventive Services, Vaccines, and Immunisations.

Maternity Benefits – Covered after a six-month waiting period from the date of the first membership.

Neonatal cover.

Outpatient Antenatal Cover.

Pharmacy – AED 1,500 per annum (including co-insurance of 30%).

3 - IMed

Annual Medical Limit – AED 150,000

Geographical Coverage – UAE and Home Country.

Network – Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services).

Pre-existing medical conditions covered after a waiting period of 6 months at the time of first membership.

Outpatient services – 20% co-insurance payable by the insured

Preventive Services, Vaccines, and Immunisations.

Maternity Benefits – Covered after a six-month waiting period from the date of the first membership.

Neonatal cover.

Outpatient Antenatal Cover.

Pharmacy – AED 1,500 per annum (including co-insurance of 30%).

4 - NEMed

Annual medical coverage – AED 75,000 (sub-limits apply).

Geographical coverage – UAE excluding Abu Dhabi.

Non-emergency treatment geographical coverage – Direct billing within the network; reimbursement covered outside the network for up to 75% of the network rates after reducing the original co-payments.

Emergency Treatment outside the network within the UAE till the patient is stable – covered for emergency medical treatments on a reimbursement basis at a 100% network tariff.

Network – Nextcare PCP (for outpatient clinic services); Nextcare RN3 (hospitals for inpatient and emergency services).

Pre-existing and chronic medical conditions.

Inpatient healthcare services – Accommodation, transportation, tests, diagnosis, surgeries, treatments, and physiotherapy sessions.

Outpatient healthcare services – Radiology, X-ray, MRI, CT scans, and endoscopies.

Pharmacy

Maternity services

Essential vaccines and immunizations.

Diagnostic and treatment for dental & gum ailments.

5 - Family Care Plan

Annual limit – Any of the following options – AED 1,000,000, AED 750,000, AED 500,000, AED 250,000, and AED 150,000.

Territorial coverage (outside the UAE) – Coverage outside the UAE is limited to up to 90 days per treatment.

Geographical coverage – Worldwide.

Applicable network – Gold/Silver, Premium/Silver, Classic/Emerald/Pearl/Silk Road/Green

Inpatient Benefits – Hospitalisation, intensive care unit, charges of consultants, surgeons, and anesthetists, ambulance services, room accommodation, physiotherapy, chemotherapy, radiation therapy, coronary artery disease treatment, and more.

Outpatient Benefits – Physician consultation, physiotherapy, diagnostics and lab tests, medication, outpatient surgery, day care treatment, work-related injuries, emergency dental treatment for accidental damages to the natural teeth.

Essential vaccines and immunisation.

Maternity Benefits – Both inpatient and outpatient coverage, including pre and post-natal treatments, natural birth, medically necessary C-section, complications, medically essential and legal terminations.

Alternative medicines – Osteopathy, Chiropractic, Acupuncture, Homeopathy, Ayurveda, and Herbal Treatment.

Dental benefit

Emergency treatment

Elective treatment

6 - Health Plus

Territorial coverage – Worldwide

Annual aggregate medical limit – AED 1,000,000

Medical Network – Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic – Al Zahra Hospital – Suleiman al Habib Group of providers/Nextcare RN/Nextcare RN2/Nextcare RN3 (Outpatient limited to the clinics only).

Room accommodation – Private/ Semi-private.

Home nursing post after inpatient treatment (covered under – Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic – Al Zahra Hospital – Suleiman al Habib Group of providers/Nextcare RN).

Emergency ambulance service.

Prescribed drugs and medication.

Pre-existing and medical conditions.

Essential vaccinations.

Physiotherapy

Psychiatric treatment.

Organ transplant

Second medical opinion (covered only under – Nextcare GN+/Nextcare GN/Nextcare GN-Excluding Mediclinic – Al Zahra Hospital – Suleiman al Habib Group of providers).

Maternity services – Both inpatient and outpatient services are covered.

Dental benefit

Neonatal care cover

Alternative medicines – Chiropractic, Homeopathy, Osteopathy, and Ayurveda.

What is Not Covered Under Orient Medical Insurance?

The general exclusions of Orient Health Insurance plans are listed below:

Medical services that are not deemed to be necessary.

Expenses related to dental treatment, dental prostheses, and orthodontic treatment.

Cosmetic healthcare services and treatment for obesity.

Healthcare services that are not performed by authorised service providers.

Healthcare for the sake of travelling.

Custodial care that includes (i) non-medical treatments and (ii) healthcare services that do not improve a patient’s medical condition.

Treatments and services arising as a result of professional sports activities.

Health services and expenses related to organ & tissue transplants.

Mental health diseases, unless it’s a case of medical emergency.

Any inpatient treatment that can be treated on an outpatient basis without adversely affecting the patient’s health.

Healthcare services for smoking cessation programs and treatment for nicotine addiction.

How to Buy Orient Health Insurance Online?

Step 1

Visit the official website of Prominent Insurance Brokers. Enter your details in the online get quote form.

Step 2

Once you provide all the required details in this form, click on the ‘Submit’ button.

Step 3

One of our executives will soon get in touch with you. You will be guided by our team to buy an Orient Medical insurance plan in the UAE. You can make the payment online.

You can also click on the WhatsApp icon on this page and chat with our team members. You will be guided step-by-step to buy the policy online.

Frequently Asked Questions on Orient Health Insurance

Yes. DMed is a plan offered by Orient Health Insurance that is specifically designed for non-working dependents of employees working in the UAE.

Pre-existing diseases and other chronic conditions are not covered by Orient Health Insurance UAE for the first six months. They are covered after this period.

Yes. Inpatient treatment typically requires prior approval from the insurance company. Cases of medical emergencies have to be notified to the insurer within 24 hours from the time of admission.

Disclaimer:

Orient Health Insurance plans may have limitations, exclusions, and other terms and conditions that may affect coverage. It is important to carefully review the policy wording before making any decision.