ASNIC | Al Sagr Insurance
Flexi Care Platinum GN+
The short version
NEXTCARE — GN+What Flexi Care Platinum GN+ does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,000,000
Medical network
NEXTCARE — GN+
Consultation
AED 50/-
Pharmacy
AED 15,000, no co-pay
What is good
Good to know
Get your price to download this plan's Table of Benefits and your quote.
Everything in the policy
Medical Network
NEXTCARE — GN+
Annual Limit per Person
AED 1,000,000
Area of Coverage
Worldwide Including USA & Canada
In-patient Services
Covered. Deductible for In-Patient Services: Nil
Out-patient Services
Covered
Hospital Accommodation
Private room
Consultation Deductible (Co-Pay)
AED 50/-
Diagnostics & Laboratory Services
Covered
Medicine Limit
GN Plus - Nil Co pay on medicines - Limit 15,000/-
Maternity
In-patient: Covered with deductible of AED 500/- Treatment outside Abu Dhabi & Al Ain limited AED 12,000/-(Delivery & baby charges). Out-patient: AED 50/-. Waiting period (row 32): the waiting period of 180 days applies to Inpatient treatment only for the following medical conditions; … All Delivery Cases(Maternity), this waiting period of 180 days shall not apply; if pre requisition of uninterrupted (pre-) coverage is fulfilled.
Abu Dhabi law excludes pregnancy and delivery cover for women enrolled as unmarried (Law 23/2005, Art. 13(5)).
Women and maternity on this plan
Married women pay an extra maternity premium on this plan; single women pay the standard price.
Get a quote to see the amount for your family.
Alternative Medicines
Homeopathy & Ayurveda: Limited to AED 2,500 per person per annum (Reimbursement basis only)
Physiotherapy
Covered
Psychiatric Treatment
Out Patient Covered up to Maximum AED 3,000/- per person per annum. In Patient Covered up to Maximum AED 10,000/- per person per annum
Home Nursing
Covered upto a limit of AED 7,500/- for a period not exceeding 30 days in aggregate. Immediately following Hospital discharge on the recommendation of a specialist and must be provided by a qualified nurse. All treatments under this benefit must be pre-authorized by us.
Routine Dental Benefits
Covered up to AED 3,000/- subject to 20% Co-pay. Inside the Network: Direct Billing, Outside the Network: Reimbursement
Routine Optical Benefits
Covered subject to 20% Co-pay and up to AED 1,500 in total and up the following sub-limits: AED 350 for Frames - one pair per year. AED 250 per pair per single vision lenses - once per year. AED 300 per pair per bifocal or tri-focal vision lenses - once per year. AED 350 for contact lenses per year
Pre-existing / Chronic Conditions
Covered. (Where any condition develops which becomes an emergency, the medically necessary expenses will be covered up to the annual aggregate limit.) As per DOH law waiting period for medical conditions as defined in the Health insurance law of Abu Dhabi; the waiting period of 180 days applies to Inpatient treatment only for the following medical conditions; Diabetes mellitus, Arterial diseases, COPD(Chronic Obstructive Pulmonary Disease),All cancers cases, Neurosurgery, Cerebro Vascular diseases, All Delivery Cases(Maternity), this waiting period of 180 days shall not apply; if pre requisition of uninterrupted (pre-) coverage is fulfilled.
Emergency Road Ambulance Services
Covered (inside the emirate of Abu Dhabi only)
Vaccination for Children (as per MOH, UAE)
Inside the Network: 100% Actual Cost. Outside Network: UCR Basis
Repatriation of Mortal Remains
Covered up to Maximum AED 20,000 per person per annum settled on Reimbursement basis with no co-pay
Within the Network (Direct Billing)
Direct Billing Basis
Outside the Network (Reimbursement)
Reimbursement Basis. Elective treatment outside the network: 20% Co-insurance subject to UCR Network Charges
Emergency Treatment
Emergency treatment Outside the Network within UAE or within geographical scope (Life threatening cases): Covered in full on Direct and or reimbursement basis
Air-Ticket for Insured Member
Covered Limit AED 5,000/-. Return Air Fare to Patient for Surgery in Home Country (if treatment is not available in the country of residence or the treatment expense is up to 50% of the cost in UAE ). Pre-approval from ASNIC required
Cancer Treatments
Covered
Cash indemnity for in-patient stays
Covered up to AED 300/- Per Day. When treatment is received as an In-Patient for an eligible Medical Condition in a Government Hospital, where no costs were incurred for accommodation and/or for treatment, then this benefit pays for a daily cash benefit for In-Patient stay more than 3 days.(Max 10 Nights) This benefit is not applicable for Accident & Emergency admissions.
Follow-up consultation co-pay (within 7 days)
Free follow up with the same doctor for the same ailment within seven days.
Elective Treatment
Elective Treatment Outside the Network within UAE / outside UAE within Geographical scope: 20% Co-insurance subject to UCR Network Charges (UCR charges are as per the discretion of the insurer) on Reimbursement.
Emergency dental (accidental damage)
Covered for Medical Emergency cases only
Hearing Emergencies
Covered for Medical Emergency cases only
New Born baby coverage
Covered till discharge.
Out Patient Surgery
Covered
Organ transplantation (recipient only)
Organ transplantation shall cover the organ transplantation as recipient excluding any cost related to donor, and excluding the acquisition and organ cost. Organs covered are: heart, lung, kidney, pancreas, liver, Allogeneic & autologous bone marrow.
Second Medical Opinion
This benefit gives members access through respective TPA mobile application to world renowned providers to re-evaluate their earlier diagnosis, medical history and treatment plan for non-emergency cases.
Vision Emergencies
Covered for Medical Emergency cases only
Only on this plan
Benefits this plan adds beyond the rows compared above.
Everyday care
Out-patient care you are likely to use in a normal year- Emergency dental (accidental damage)
- Covered for Medical Emergency cases only
- Hearing Emergencies
- Covered for Medical Emergency cases only
- Out Patient Surgery
- Covered
- Vision Emergencies
- Covered for Medical Emergency cases only
Cash back and waived fees
Money paid back to you, and charges this plan does not make- Air-Ticket for Insured Member
- Covered Limit AED 5,000/-. Return Air Fare to Patient for Surgery in Home Country (if treatment is not available in the country of residence or the treatment expense…
- Cash indemnity for in-patient stays
- Covered up to AED 300/- Per Day. When treatment is received as an In-Patient for an eligible Medical Condition in a Government Hospital, where no costs were incurred…
- Follow-up consultation co-pay (within 7 days)
- Free follow up with the same doctor for the same ailment within seven days.
Hospital and recovery
What the plan does around a hospital stay- Emergency Treatment
- Emergency treatment Outside the Network within UAE or within geographical scope (Life threatening cases): Covered in full on Direct and or reimbursement basis
- Cancer Treatments
- Covered
- Elective Treatment
- Elective Treatment Outside the Network within UAE / outside UAE within Geographical scope: 20% Co-insurance subject to UCR Network Charges (UCR charges are as per…
- New Born baby coverage
- Covered till discharge.
- Organ transplantation (recipient only)
- Organ transplantation shall cover the organ transplantation as recipient excluding any cost related to donor, and excluding the acquisition and organ cost.
- Second Medical Opinion
- This benefit gives members access through respective TPA mobile application to world renowned providers to re-evaluate their earlier diagnosis, medical history and…
- Congenital Conditions
- Covered (life threatening congenital conditions)
- Parent Accommodation for child under 18 years of age
- Covered upto AED 450/- Per Day
Other benefits
Named in this plan's document and not easily grouped- Immunomodulators and Immunotherapy Medications
- Covered. As per policy directive (PD 05/2018) and For medically necessary conditions only
Named exclusions
Written into this plan's own document, so you do not find out later- Reconstructive surgery
- Not Covered