WorldCare

WorldCare Advance

WorldCare Advance covers you for in-patient, day-patient and out-patient treatment including GP and specialist appointments, physiotherapy and alternative therapies.

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

WorldCare Advance is suitable for people who want all-round medical care.

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

Dubai Health Authority (DHA) Mandatory requirements Benefit

This Plan provides coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services inclusive of Emergency services within the United Arab Emirates:

(i) Pre-existing Conditions including maintenance of Chronic Medical Conditions.

(ii) Examinations, diagnostic and Treatment services (including cost of medicine) received in clinics and health centers that are provided by general Medical Practitioners and Specialists. Follow up visits are exempted from fees if made within a week from the date of the first examination.

(iii) Laboratory tests, Xñray diagnostic services, diagnostic procedures including MRI, CT scans and endoscopies.

(iv) Out-Patient physiotherapy - Maximum 10 sessions per year.

(v) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 (AED 100) per night.

(vi) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities covered up to a limit of USD 28 (AED 100).

(vii) Adult Pneumococcal Conjugate Vaccine as per DHA Adult Pneumococcal Vaccination guidelines.

(viii) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

(ix) Medically Necessary costs incurred during normal Pregnancy and childbirth, including the delivery costs, pre and post natal check-ups. Cover includes examinations, diagnostic and Treatment, and follow up visits for Pregnancy and gynaecology services provided by general Medical Practitioners and Specialists (subject to referral by the general Medical Practitioner) and received in authorised health centers and clinics.

• Cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low-risk patients or Specialist obstetrician for high-risk patients referrals.
• Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include: FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high-risk patients GTT and Hepatitis C.
• The cost of three antenatal ultrasound scans.
• In-Patient maternity is limited to a maximum of USD 2,750 for normal Pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.

(x) Cover is provided for a New Born baby of an Insured Person for a period of 30 days from birth within the existing aggregate limit of the Mother. This includes BCG, Hepatitis B and neo-natal screening tests (Phenylketonuria (PKU), Congenital Hypothyroidism, sickle cell screening, congenital adrenal hyperplasia).

(xi) Psychiatry and Mental Health: Outpatient counselling covered up to USD 218 (AED 800) per year subject to a 30% coinsurance payable by the insured per visit.

(xii) Influenza Vaccine covered once a year. Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

(xiii) Organ transplantation: Coverage up to limit of USD 27,226 (AED 100,000) for recipient only. 20% coinsurance payable by the insured per visit for outpatient visits.

(xiv) Dialysis: Covered to a limit of USD 16,336 (AED 60,000). 20% coinsurance payable by the insured per visit for outpatient visits.

(xv) Dental Benefits: Dental consultation, extraction, fillings, root canal treatment, scaling, x-rays, antibiotics and prophylaxis covered up to USD 137 (AED 500). 30% coinsurance payable by the insured per visit for outpatient visits. No coinsurance applicable if a follow-up visit is made within 7 days.

(xvi) Repatriation costs for the transport of mortal remains to the country of origin: Coverage up to limit of USD 1,362 (AED 5,000)

(xvii) Hearing and vision aids, and vision correction by surgeries and laser: Excluded healthcare services except in cases of medical emergencies. Subject to 20% coinsurance.

No maternity Waiting Period applies on the Dubai Health Authority (DHA) Mandatory requirements Benefit.

For maternity Benefit outside the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

**Note: Above mentioned benefits are the minimum required DHA benefits however if client has opted for the upgraded plan (enhanced benefits) he/she will avail the benefits under the enhanced coverage.

BASMAH Initiative:

Dubai Health Authority (DHA), as part of UAE 2021 vision and in alignment with Dubai Standards of Care has launched a Cancer Patient Support Program (Cancer PSP) and a Hepatitis C Patient Support Program (HCV PSP).

Screening, healthcare services, investigations and Treatments related to and associated complications related to Cancer shall be extended to the fund ONLY for members enrolled under the Patient Support Program (PSP) as per terms and conditions of the Program.

Screening, healthcare services, investigations and Treatments related to viral hepatitis and associated complications related to Hepatitis C shall be available ONLY for members enrolled under the Patient Support Program (PSP) as per terms and conditions of the Program.

WorldCare Excel

WorldCare Excel covers you for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance.

It also includes routine and complex dental care after a nine-month wait period.

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

Dubai Health Authority (DHA) Mandatory requirements Benefit

This Plan provides coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services inclusive of Emergency services within the United Arab Emirates:

(i) Pre-existing Conditions including maintenance of Chronic Medical Conditions.

(ii) Examinations, diagnostic and Treatment services (including cost of medicine) received in clinics and health centers that are provided by general Medical Practitioners and Specialists. Follow up visits are exempted from fees if made within a week from the date of the first examination.

(iii) Laboratory tests, Xñray diagnostic services, diagnostic procedures including MRI, CT scans and endoscopies.

(iv) Out-Patient physiotherapy - Maximum 10 sessions per year.

(v) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 (AED 100) per night.

(vi) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities covered up to a limit of USD 28 (AED 100).

(vii) Adult Pneumococcal Conjugate Vaccine as per DHA Adult Pneumococcal Vaccination guidelines.

(viii) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

(ix) Medically Necessary costs incurred during normal Pregnancy and childbirth, including the delivery costs, pre and post natal check-ups. Cover includes examinations, diagnostic and Treatment, and follow up visits for Pregnancy and gynaecology services provided by general Medical Practitioners and Specialists (subject to referral by the general Medical Practitioner) and received in authorised health centers and clinics.

• Cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low-risk patients or Specialist obstetrician for high-risk patients referrals.
• Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include: FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high-risk patients GTT and Hepatitis C.
• The cost of three antenatal ultrasound scans.
• In-Patient maternity is limited to a maximum of USD 2,750 for normal Pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.

(x) Cover is provided for a New Born baby of an Insured Person for a period of 30 days from birth within the existing aggregate limit of the Mother. This includes BCG, Hepatitis B and neo-natal screening tests (Phenylketonuria (PKU), Congenital Hypothyroidism, sickle cell screening, congenital adrenal hyperplasia).

(xi) Psychiatry and Mental Health: Outpatient counselling covered up to USD 218 (AED 800) per year subject to a 30% coinsurance payable by the insured per visit.

(xii) Influenza Vaccine covered once a year. Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

(xiii) Organ transplantation: Coverage up to limit of USD 27,226 (AED 100,000) for recipient only. 20% coinsurance payable by the insured per visit for outpatient visits.

(xiv) Dialysis: Covered to a limit of USD 16,336 (AED 60,000). 20% coinsurance payable by the insured per visit for outpatient visits.

(xv) Dental Benefits: Dental consultation, extraction, fillings, root canal treatment, scaling, x-rays, antibiotics and prophylaxis covered up to USD 137 (AED 500). 30% coinsurance payable by the insured per visit for outpatient visits. No coinsurance applicable if a follow-up visit is made within 7 days.

(xvi) Repatriation costs for the transport of mortal remains to the country of origin: Coverage up to limit of USD 1,362 (AED 5,000)

(xvii) Hearing and vision aids, and vision correction by surgeries and laser: Excluded healthcare services except in cases of medical emergencies. Subject to 20% coinsurance.

No maternity Waiting Period applies on the Dubai Health Authority (DHA) Mandatory requirements Benefit.

For maternity Benefit outside the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

**Note: Above mentioned benefits are the minimum required DHA benefits however if client has opted for the upgraded plan (enhanced benefits) he/she will avail the benefits under the enhanced coverage.

BASMAH Initiative:

Dubai Health Authority (DHA), as part of UAE 2021 vision and in alignment with Dubai Standards of Care has launched a Cancer Patient Support Program (Cancer PSP) and a Hepatitis C Patient Support Program (HCV PSP).

Screening, healthcare services, investigations and Treatments related to and associated complications related to Cancer shall be extended to the fund ONLY for members enrolled under the Patient Support Program (PSP) as per terms and conditions of the Program.

Screening, healthcare services, investigations and Treatments related to viral hepatitis and associated complications related to Hepatitis C shall be available ONLY for members enrolled under the Patient Support Program (PSP) as per terms and conditions of the Program.

WorldCare Apex

WorldCare Apex is our most comprehensive plan with very high benefit limits. It includes in-patient, day-patient and out-patient treatment, at higher levels than WorldCare Excel, as well as routine maternity care after a 12-month waiting period.

It is suitable for those people who want the highest level of cover and perhaps starting to plan a family.

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

Dubai Health Authority (DHA) Mandatory requirements Benefit

This Plan provides coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services inclusive of Emergency services within the United Arab Emirates:

(i) Pre-existing Conditions including maintenance of Chronic Medical Conditions.

(ii) Examinations, diagnostic and Treatment services (including cost of medicine) received in clinics and health centers that are provided by general Medical Practitioners and Specialists. Follow up visits are exempted from fees if made within a week from the date of the first examination.

(iii) Laboratory tests, Xñray diagnostic services, diagnostic procedures including MRI, CT scans and endoscopies.

(iv) Out-Patient physiotherapy - Maximum 10 sessions per year.

(v) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 (AED 100) per night.

(vi) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities covered up to a limit of USD 28 (AED 100).

(vii) Adult Pneumococcal Conjugate Vaccine as per DHA Adult Pneumococcal Vaccination guidelines.

(viii) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

(ix) Cover is provided for a New Born baby of an Insured Person for a period of 30 days from birth within the existing aggregate limit of the Mother. This includes BCG, Hepatitis B and neo-natal screening tests (Phenylketonuria (PKU), Congenital Hypothyroidism, sickle cell screening, congenital adrenal hyperplasia).

(x) Psychiatry and Mental Health: Outpatient counselling covered up to USD 218 (AED 800) per year subject to a 30% coinsurance payable by the insured per visit.

(xi) Influenza Vaccine covered once a year. Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

(xii) Organ transplantation: Coverage up to limit of USD 27,226 (AED 100,000) for recipient only. 20% coinsurance payable by the insured per visit for outpatient visits.

(xiii) Dialysis: Covered to a limit of USD 16,336 (AED 60,000). 20% coinsurance payable by the insured per visit for outpatient visits.

(xiv) Dental Benefits: Dental consultation, extraction, fillings, root canal treatment, scaling, x-rays, antibiotics and prophylaxis covered up to USD 137 (AED 500). 30% coinsurance payable by the insured per visit for outpatient visits. No coinsurance applicable if a follow-up visit is made within 7 days.

(xv) Repatriation costs for the transport of mortal remains to the country of origin: Coverage up to limit of USD 1,362 (AED 5,000)

(xvi) Hearing and vision aids, and vision correction by surgeries and laser: Excluded healthcare services except in cases of medical emergencies. Subject to 20% coinsurance.

No maternity Waiting Period applies on the Dubai Health Authority (DHA) Mandatory requirements Benefit.

For maternity Benefit outside the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

**Note: Above mentioned benefits are the minimum required DHA benefits however if client has opted for the upgraded plan (enhanced benefits) he/she will avail the benefits under the enhanced coverage.

BASMAH Initiative:

Dubai Health Authority (DHA), as part of UAE 2021 vision and in alignment with Dubai Standards of Care has launched a Cancer Patient Support Program (Cancer PSP) and a Hepatitis C Patient Support Program (HCV PSP).

Screening, healthcare services, investigations and Treatments related to and associated complications related to Cancer shall be extended to the fund ONLY for members enrolled under the Patient Support Program (PSP) as per terms and conditions of the Program.

Screening, healthcare services, investigations and Treatments related to viral hepatitis and associated complications related to Hepatitis C shall be available ONLY for members enrolled under the Patient Support Program (PSP) as per terms and conditions of the Program.

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.