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yourLife

yourLife is an international health plan designed with just you in mind. A health plan that accompanies you wherever you go and protects you in all phases of your life.

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Policy year maximum plan benefit

$1,500,000 AED5,500,000 £
Accommodation
Accommodation
Private room
Semi-private room hospital cash benefit per day benefit
Semi-private room hospital cash benefit per day benefit
$55 AED 200
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
Inpatient treatment, daypatient, operating theatre and recovery room, prescribed medicines, drugs and dressing for inpatient or daypatient treatment
100% / 90% US
Intensive care unit
Intensive care unit
100% / 90% US
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient
Inpatient ancillary services including physical and occupational therapy as daypatient or inpatient
100% / 90% US
Surgeons' and anaesthetists' fees
Surgeons' and anaesthetists' fees
100% / 90% US
Inpatient consultation by specialist
Inpatient consultation by specialist
100% / 90% US
Emergency room
Emergency room
100% / 90% US
Pathology, radiology, and diagnostic tests
Pathology, radiology, and diagnostic tests
100% / 90% US
MRI, CT and PET scans
MRI, CT and PET scans
100% / 90% US
Private duty nursing (Policy year maximum)
Private duty nursing (Policy year maximum)
$7,500 AED 27,500 £5,000 €6,000
Skilled nursing facility (Policy year maximum)
Skilled nursing facility (Policy year maximum)
$7,500 AED 27,500 £5,000 €6,000
Home health care (Policy year maximum)
Home health care (Policy year maximum)
$7,500 AED 27,500 £5,000 €6,000
Hospice care services (Policy year maximum)
Hospice care services (Policy year maximum)
$10,000 AED 36,500 £6,500 €8,000
Emergency dental treatment (as a result of accident)
Emergency dental treatment (as a result of accident)
100% / 90% US
Cancer treatment
Cancer treatment
100% / 90% US
Child and companion accompaniment
Companion accommodation in same room due to inpatient medical necessity. Pre-approval is necessary.
Child and companion accompaniment
100%
Prescribed hearing aids in the event of emergency treatment
Prescribed hearing aids in the event of emergency treatment
100%
Laser eye surgery and optical aids in the event of emergency treatment
Laser eye surgery and optical aids in the event of emergency treatment
100%
MANAGED TRANSPLANT PROGRAMME
Transplant(s) must be pre-certified and approved by us. Failure to comply will result in treatment not being covered by your policy.
MANAGED TRANSPLANT PROGRAMME
Organ transplants maximum lifetime
Organ transplants maximum lifetime
$500,000 AED 1,800,000 £300,000 €400,000
Tissue transplants (as part of the overall organ max.)
Tissue transplants (as part of the overall organ max.)
$250,000 AED 900,000 £150,000 €200,000
Diabetes tests - aged 30 and onwards every three years, high risk individuals over 18, annually
Diabetes tests - aged 30 and onwards every three years, high risk individuals over 18, annually
100%
Annual pap smear
Annual pap smear
100%
OPTION OP100
PremierLife and PremierFamily only
OPTION OP100
N/A
OPTION OP90
OPTION OP90
90%
OPTION OP80
OPTION OP80
80%
Surgery as outpatient
Surgery as outpatient
100%
Physician office visits and specialist fees
Physician office visits and specialist fees
100%
Diagnostic and therapeutic services (as outpatient)
Diagnostic and therapeutic services (as outpatient)
100%
Physical therapy (as outpatient)
Physical therapy (as outpatient)
£50 €60 100%, max 30 visits pre-authorisation required
Occupational therapy (as outpatient, per visit)
Occupational therapy (as outpatient, per visit)
£50 €60 100%, max 30 visits pre-authorisation required
Chiropractic services
Referral letter required from medical physician.
Chiropractic services
$750 AED 2,750 £500 €600 100%, policy year maximum for chiropractic services
Complementary medicine
Including TCM, Bonesetting, Acupuncture, Herbal Medicine, Homeopathy & Osteopathy.
Complementary medicine
$500 AED 1,800 £350 €400 100%
PRESCRIPTION PROGRAMME
PRESCRIPTION PROGRAMME
100%
Routine dental
Routine dental
N/A
Diagnostic and preventive dental
Diagnostic and preventive dental
N/A
Dental plan option available
Dental plan option available
YES - see dental options
Outpatient antenatal services
Outpatient antenatal services
100% eight visits to PHC three ultra scans
Pregnancy normal delivery
Pregnancy normal delivery
$2,000 AED 7,000 90%
Complicated pregnancy
Routine nursery, included under Maternity Benefits as any other treatment including room and board, physician charges and circumcision for males prior to discharge.
Complicated pregnancy
$3,000 AED 10,000 90%
Newborn cover
Included in Newborn Cover are premature births, congenital conditions and birth anomalies. Newborn Cover is only available for a covered pregnancy.
Newborn cover
$40,000 AED 150,000 30 days; neonatal screening test
Emergency treatment
Emergency treatment
$40,000 AED 150,000
Essential vaccinations and inoculations as stipulated in DHA’s policies for children
Essential vaccinations and inoculations as stipulated in DHA’s policies for children
100%
Adults
Six-month waiting period applies to all Wellness Benefits but waits are waived for policies that are paid annually. Overall policy year Wellness Benefit maximums apply to all routine and wellness benefits for adults and children.
Adults
$500 AED 1,800 £300 €400
Routine physical exams in connection with overall health and wellbeing
Routine physical exams in connection with overall health and wellbeing
90%
Mammograms
Ages 35-39 one baseline exam Ages 40-49 one exam every one or two years for asymptomatic women, but no sooner than two years after baseline Age 50 & over one exam annually Any age whenever prescribed by a physician.
Mammograms
90%
Prostate cancer screening
One test per policy year for males age 50 or over.
Prostate cancer screening
90%
Immunisations and vaccinations
Immunisations and vaccinations
90%
CHILD(REN)
Six-month waiting period applies to all Wellness Benefits but waits are waived for policies that are paid annually. Overall policy year Wellness Benefit maximums apply to all routine and wellness benefits for adults and children.
CHILD(REN)
Maximum per policy year - birth to age 12 months
Maximum per policy year - birth to age 12 months
N/A
Maximum per policy year - 13 months and over
Maximum per policy year - 13 months and over
N/A
Routine medical
Routine medical
N/A
Child preventive care services
Child preventive care services
N/A
Hearing tests
Hearing tests
N/A
Maximum per 24 month period
Six month waiting period applies to Vision Care Cover but waits are waived for policies that are paid annually.
Maximum per 24 month period
$300 AED 1,100 £225 €275 - 100%
Medical evacuation and assistance
Medical evacuation and assistance
100%
24/7 Emergency medical assistance hotline
24/7 Emergency medical assistance hotline
YES
Repatriation of mortal remains
Repatriation of mortal remains
100%
Family emergency travel
Family emergency travel
N/A
Repatriation accompaniment
Repatriation accompaniment
N/A
Repatriation family accompaniment
Repatriation family accompaniment
N/A
Best possible outcome programme
A dedicated diagnosis verification and treatment planning care management programme. In the event that you are diagnosed with a specified critical illness, the programme provides access to an appropriate specialist who will remotely review your medical reports to confirm your diagnosis and advise, in conjunction with your treating physician on your treatment options, to provide the best outcome.
Best possible outcome programme
N/A
Advanced health screening programme
Advanced health screening programme
N/A
Ages 40-50 one high level physical examination every three years
Ages 40-50 one high level physical examination every three years
N/A
Ages 50+ one high level physical examination every three years
Ages 50+ one high level physical examination every three years
N/A
eHealth records account
eHealth records account
YES
Elected co-pay option applies for all outpatient benefits in this section.
Elected co-pay option applies for all outpatient benefits in this section.
£15,000 €20,000
Policy year maximum for mental health benefits (inpatient and outpatient)
Policy year maximum for mental health benefits (inpatient and outpatient)
$25,000 AED 92,000 £1,500 €2,000
Policy year mental illness, maximum (out-of-hospital) 15 visits per policy year
Policy year mental illness, maximum (out-of-hospital) 15 visits per policy year
$2,500 AED 9,200
Emergency treatment
Emergency treatment
$40,000 AED 150,000
Operated by Morneau Shepell, provides assistance with the types of issues often faced by expatriates.
How to cope with isolation and loneliness, adapt across cultures, identify and cope with culture shock, address the personal impact of the relocation, strengthen relationships, improve communication, work towards life goals, deal with stress, anxiety and depression, address alcohol and drug misuse, resolve marital and relationship difficulties, find solutions for work-related issues, access crisis and trauma support while on assignment, discover ways to improve your nutrition in your new environment, focus on your health with natural healing strategies.
Operated by Morneau Shepell, provides assistance with the types of issues often faced by expatriates.
YES
N/A - available as an optional benefit
Policy year maximum
Elected co-pay option applies for all outpatient benefits in this section.
Policy year maximum
$25,000 AED 92,000 £15,000 €20,000
Policy year maximum
Elected co-pay option applies for all outpatient benefits in this section.
Policy year maximum
$15,000 AED 55,000 £10,000 €12,000
Yes
Yes
Chronic conditions are treated like any other condition under the policy. Elected co-pay option applies for all outpatient benefits in this section.
Policy year maximum plan benefit
Pre-existing conditions must be declared upon enrolment to be covered. Pre-existing conditions excluded for first six months of plan membership (waiting period waived if coming from an existing DHA accredited EBP scheme).
Policy year maximum plan benefit
$40,000 AED 150,000 £3,000 €4,000
Policy year maximum plan benefit
Elected co-pay option applies for outpatient benefits in this section.
Policy year maximum plan benefit
$40,000 AED 150,000 £650 €750
Cover Region 1 – Worldwide including US and their territories.
Cover Region 1 – Worldwide including US and their territories.
For Cover Region 1 – please note that benefits listed above are only applicable when using our First Health Network. The First Health Network is one of the largest networks in the US with over one million health care professional service locations. Our network covers over 98% of the US population who are within 10 miles of a participating network physician and within 20 miles of a participating network hospital. Benefits outside of network are reduced to 70% and co-insurance does not count toward out of pocket max. Please note that Cover Region 1 is limited to 180 days in the US in any 12 month period. If you are returning to the US 12-month Bridge Cover is available for Cover Region 1 members only and request must be made prior to returning to the US Bridge Cover Premiums are 185% of standard published rates.
Cover Region 2 – Worldwide but excluding US and their territories.
Cover Region 2 – Worldwide but excluding US and their territories.
Cover Region 2 – does not include any cover for US and their territories.
Choice of three different network options. Each network is extensive with over 1,000 medical providers in the UAE. Access to other MedNet networks within the Gulf region is included.
Choice of three different network options. Each network is extensive with over 1,000 medical providers in the UAE. Access to other MedNet networks within the Gulf region is included.
GOLD / SILVER PREMIUM / SILVER CLASSIC - Please note that you may go outside your chosen network on a ‘pay and claim’ basis. However, we may not be able to settle the claim in full where the cost is higher than what is ‘reasonable and customary’ for your chosen network level.
CLASS I EXPENSES Diagnostic – general preventive
Dental Plan Option must be chosen on enrolment and requisite premium paid for Dental Option in order for dental benefits to be applicable in this section. Elected co-pay option applies for all outpatient benefits in this section.
CLASS I EXPENSES Diagnostic – general preventive
Yes
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
Dental Plan Option must be chosen on enrolment and requisite premium paid for Dental Option in order for dental benefits to be applicable in this section. Elected co-pay option applies for all outpatient benefits in this section.
CLASS II EXPENSES Restorative (basic); endodontics; periodontics; prosthodontics – removable (maintenance); fixed bridge (maintenance); oral surgery
$1,200 AED 4,400
CLASS III EXPENSES Restorative (major); prosthodontics – removable (installation); fixed bridge (installation). Orthodontic and Class III services are available after six months of continuous enrolment in the Dental Plan.
Dental Plan Option must be chosen on enrolment and requisite premium paid for Dental Option in order for dental benefits to be applicable in this section. Elected co-pay option applies for all outpatient benefits in this section.
CLASS III EXPENSES Restorative (major); prosthodontics – removable (installation); fixed bridge (installation). Orthodontic and Class III services are available after six months of continuous enrolment in the Dental Plan.
$750 AED 2,700
Option must be chosen on enrolment and requisite premium paid in order for benefits to be applicable in this section.
N.B. Benefits cannot exceed two times annual salary.
Option must be chosen on enrolment and requisite premium paid in order for benefits to be applicable in this section.
In the event of an accidental death or dismemberment of the primary insured the insurer pays a lump sum benefit equal to the principal sum subject to a maximum benefit multiplied by a percentage as shown below.
Loss of life
Loss of life
100%
Loss of sight of both eyes
Loss of sight of both eyes
100%
Loss of both hands or arms
Loss of both hands or arms
100%
Loss of both feet or both legs
Loss of both feet or both legs
100%
Loss of one arm and one leg
Loss of one arm and one leg
100%
Loss of sight of one eye
Loss of sight of one eye
50%
Loss of one foot or one leg
Loss of one foot or one leg
50%
Loss of one hand or arm
Loss of one hand or arm
50%