An outstanding health plan that gives you easy access to fantastic health services on your terms. And at a premium that lets you spend your money on the activities you like to do best.
Choose the right health plan that fits your protection needs and your pocket book.
All plans offer excellent comprehensive protection.
We give you loads of choice so that you can design Access Health to your personal needs . You have the choice of different co-pays for physician consultation fees, diagnostics and lab fees and prescriptions. That’s a lot of fine-tuning.
Accessible services at your convenience. Apps that allow you to access services on your time.
Each plan option has a rich choice of three network options. Giving you unmatched choice to design your own health plan.
Worldwide international cover is standard. You not only have great cover in the UAE, but back home, and even when you are traveling abroad on business or holiday.
Our 24/7 assistance gives you round the clock protection in the UAE as well as abroad.
Built-in well-being and mental health services to keep you on top of your game.
Annual Limit
Access Health Benefit Plus 500
AED 500,000
Access Health Benefit Plus 750
AED 750,000
Access Health Benefit Plus 1000
AED 1,000,000
Georgaphical Scope for Elective and Emergency
Worldwide
Coverage Criteria outside UAE
Coverage outside UAE is limited to 90 days per treatment. A single holiday or business trip must not exceed 90 days
Aplicable Network for Access Health BenefitsPlus 500
Silk Road, Emerald, Green
Aplicable Network for Access Health BenefitsPlus 750
Emerald, Green, Silver Classic
Aplicable Network for Access Health BenefitsPlus 1000
Silver Classic, Silver Premium, Gold
Underwriting Terms and Conditions for Pre-Existing and Chronic Conditions
All pre existing conditions should be declared on the medical application form and is subject to medical underwriting. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at policy renewal.
Hospitalization Class
Private Room
Hospital Accommodation and related Services
Covered
Intensive care unit and coronary artery disease treatment
Covered
Consultant’s, Surgeon’s and Anaesthetist's Fees
Covered
Various therapies including physiotherapy, chemotherapy, radiation therapy etc
Covered
Recipient Organ transplantation service, excluding any charges related to Donor
Covered
Use of hospital medical equipments (e.g. heart and lung support systems etc.)
Covered
Ambulance Services (in Medical Emergency only and if followed by admission)
Covered
Companion Room & Board expenses for Beneficiary below 16 years of age
The cost of accommodation of a person accompanying a beneficiary below 16 years of age in the same room in cases of medical necessity at the recommendation of the treating doctor and with prior approval
Covered up to Maximum ot AED 100 Per night
Repatriation costs (Inside UAE) for the transport of mortal remains to the country of origin
Covered up to AED7,500
Physician Consultation
20% to AED 50 or 20% to AED 75
Diagnostics and Laboratory Tests
Covered with Co Pay Options of: 0%, 10%, 20%
Pharmaceuticals
Covered with Co Pay Options of: 0%, 10%, 20%, 30%
Physiotherapy (Require pre-authorization)
Covered 15 Sessions per person per year
Day care Treatment
Covered
Out-patient Surgery
Covered
Emergency Mental Health Treatments
Covered
Work Related Injuries
Covered
Road Traffic Accident
Covered
Emergency Dental treatment for accidental damage to natural teeth
Under this benefit the treatment required within three months following accidental damage to sound natural teeth caused by a violent external means when the treatment is given by a Physician, dentist or dental surgeon is covered.
*No treatment will be covered after 3 months of the accident.
**Treatment required as the result of the consumption of food or drink or any foreign bodies contained in such food or drink is not covered.
New Born Baby Coverage
Babies born inside and out-side UAE - New born expenses are covered from Date of Birth under the mother’s card for the first 30 days from date of birth up to annual benefit limit
New born babies will be added to the principle policy only if requested by the policy holder and is subject to Medical underwriting.
Coverage for new born are in line with DHA benefit guidelines.
Companion Room & Board expenses for Beneficiary below 16 years of age
The cost of accommodation of a person accompanying a beneficiary below 16 years of age in the same room in cases of medical necessity at the recommendation of the treating doctor and with prior approval
Covered up to Maximum ot AED 100 Per night
Preventive services covered for members over 18 years of age
*Prior Approval is required for Free Access facility(Non AUH)
Diabetic Screening: Fasting Blood Sugar and HBA1C tests are covered once a policy year for eligible members
Patient Support and HPV Programme
Screening, healthcare services, investigations and treatments only for members who are enrolled under "Patient Support Program" only
Hepatitis B and C Virus Infection:
Screening, healthcare services, investigations and treatments related to viral Hepatitis and associated complications related to Hepatitis C shall only be for members enrolled under Patient Support Program.
Covered as per terms, conditions and exclusions of the program defined by DHA
Hearing and vision aids, and vision correction by surgeries and laser
Covered in cases of medical emergencies
MedNet’s Global Emergency Assistance services coverage through Assist America
- No Financial limitations applicable under this benefit
- Worldwide Emergency Medical Evacuation
- Worldwide Hospital Admission Assistance
- Repatriation of mortal remains to home country from anywhere in the world, including country of residence
- Medical Consultation, Evaluation, Referral & Monitoring
- Care of minor children & Compassionate visit
*For detailed information please refer Assist America Table of Benefit
Inpatient and Outpatient Cover includes:
1. Pre & Post natal treatments
2. Normal delivery
3. Medically necessary Caesarean Section
4. Maternity related Complications
5. Medically necessary legal terminations
* In-patient maternity treatment are subject to prior approval
Normal Delivery expenses are covered up to a sub limit of AED 10,000
Medically necessary Caesarean Section and complication expenses are covered up to a sub limit of AED 10,000
Any Medical Emergency expenses related to Maternity will be covered up to a sub-limit of AED 150,000
Out Patient eligible Maternity expenses are covered up to Annual limit
10% co-payment applicable on all Maternity treatments, including out-patient Maternity consultation (no Deductible applies)
The following screening tests are covered as per DHA Antenatal care protocol:
FBC and Platelets; Blood group, Rhesus status and antibodies; VDRL; MSU & urinalysis; Rubella serology; HIV; Hepatitis C offered to high risk patients; GTT, if high risk; FBS, Random blood sugar OR HbA1C; Ultrasonography: 3 scans
Alternative Medicine Benefit covers: Osteopathy, Chiropractic, Homeopathy, Acupuncture, Ayurveda and Herbal Treatments
Covered up to AED 1,600/- PMPY
**Only on reimbursement basis
Influenza Vaccine
Covered - Once per Annum
**Only on reimbursement basis
Vaccination Covered as per MOH schedule (Requires Pre-Authorization)
Covered both on *Free Access and reimbursement basis
Reimbursements claims are settled at 100% of actual covered cost subject to maximum of 100% of Applicable Network rates
*Free Access facility is available only within specific MedNet Vaccination Network
Health at Hand
Schedule a consultation 7 days a week
Cashless consultations with no co-payments
Prescribed medicine delivered to your door
Sick notes
E-referral to a specialist
Covered
Wysa helps you maintain your mental well-being and improve your emotional resilience in a self-help context.
Access to over 150 personalised resources
Coaching Session including AI Chatbot (5 sessions included/ top up sessions available
In App session management, Video Calls, session history
Wysa Premium
Operated by Assist America
Medical Evacuation and Assistance
Covered
24/7 Emergency Medical Assistance Hotline
Covered
Repatriation of Mortal Remains to Home Country
Covered
Repatriation and Accompaniment (outside UAE)
Covered up to AED 9,200
All services below provided by Assist America.
Please refer to the specific Terms and Conditions for Assist America at the end of this document.
Compassionate Visit
Arrangement and payment of roundtrip transportation for family member or a friend to join a member who is traveling alone and expected to be hospitalised for more than 5 days
Covered
Care of Minor Children
If an injured member has minor children left unattended, we will pay for them to return home to a family member, or will arrange childcare locally at home.
Covered
Lost Luggage or Document Assistance
We will help members locate lost luggage, documents or personal belongings.
Covered
Interpreter and Legal Referrals
We will refer members to interpreters and/or legal personnel, as necessary
Covered
Emergency Message Transmission
We will receive and transmit authorised emergency messages for members.
Covered
Free Access
- Covered with pre-authorization only
- Co-payment 20% applicable
'Reimbursement* - Additional 20% co-payment applicable over free access
Covered with Annual Limit of AED 3500
Dental Consultation
Covered
Tooth Extraction
- Simple Extraction
- Surgical Extraction
Covered
Scale and Polishing
Covered
Tooth Filling
- Amalgam filling
- Composite filling
- Glass Ionomer filling
Covered
Root Canal Treatment (R.C.T)
Covered
Crown
Covered if followed by root canal treatment
X-Ray
- Intra Oral { Bite wing/ Periapical / Occlusal}
- Extra Oral { Panoramic X-ray & Tomograms}
Covered
Medications
Antibiotics; Analgesics; Antacids; Enzyme preparations ( Edema reductions); Vitamins ( only with antibiotics)
Covered
Medications exclusion:
Mouthwash; Tooth Pastes; Denture cleaning agents; Desensitizing agents; Anti septic
Not Covered
Anaesthesia
- L. Anaesthesia; - G. Anaesthesia
Local Covered General Not Covered
Orthodontics
Not Covered
- Except For Scaling and Polishing, all other services are covered if medical necessity is established.
Annual Limit
Access Health Benefit Plus 500
AED 500,000
Access Health Benefit Plus 750
AED 750,000
Access Health Benefit Plus 1000
AED 1,000,000
Georgaphical Scope for Elective and Emergency
Worldwide
Coverage Criteria outside UAE
Coverage outside UAE is limited to 90 days per treatment. A single holiday or business trip must not exceed 90 days
Aplicable Network for Access Health BenefitsPlus 500
Silk Road, Emerald, Green
Aplicable Network for Access Health BenefitsPlus 750
Emerald, Green, Silver Classic
Aplicable Network for Access Health BenefitsPlus 1000
Silver Classic, Silver Premium, Gold
Underwriting Terms and Conditions for Pre-Existing and Chronic Conditions
All pre existing conditions should be declared on the medical application form and is subject to medical underwriting. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at policy renewal.
Hospitalization Class
Private Room
Hospital Accommodation and related Services
Covered
Intensive care unit and coronary artery disease treatment
Covered
Consultant’s, Surgeon’s and Anaesthetist's Fees
Covered
Various therapies including physiotherapy, chemotherapy, radiation therapy etc
Covered
Recipient Organ transplantation service, excluding any charges related to Donor
Covered
Use of hospital medical equipments (e.g. heart and lung support systems etc.)
Covered
Ambulance Services (in Medical Emergency only and if followed by admission)
Covered
Companion Room & Board expenses for Beneficiary below 16 years of age
The cost of accommodation of a person accompanying a beneficiary below 16 years of age in the same room in cases of medical necessity at the recommendation of the treating doctor and with prior approval
Covered up to Maximum ot AED 100 Per night
Repatriation costs (Inside UAE) for the transport of mortal remains to the country of origin
Covered up to AED7,500
Physician Consultation
AED 25 or AED 50 per Visit
Diagnostics and Laboratory Tests
CCovered with 0% Co-Pay
Pharmaceuticals
Covered with Co Pay Options of: 0%, 10%, 20%, 30%
Physiotherapy (Require pre-authorization)
Covered in Full
Day care Treatment
Covered
Out-patient Surgery
Covered
Emergency Mental Health Treatments
Covered
Work Related Injuries
Covered
Road Traffic Accident
Covered
Emergency Dental treatment for accidental damage to natural teeth
Under this benefit the treatment required within three months following accidental damage to sound natural teeth caused by a violent external means when the treatment is given by a Physician, dentist or dental surgeon is covered.
*No treatment will be covered after 3 months of the accident.
**Treatment required as the result of the consumption of food or drink or any foreign bodies contained in such food or drink is not covered.
New Born Baby Coverage
Babies born inside and out-side UAE - New born expenses are covered from Date of Birth under the mother’s card for the first 30 days from date of birth up to annual benefit limit
New born babies will be added to the principle policy only if requested by the policy holder and is subject to Medical underwriting.
Coverage for new born are in line with HAAD benefit guidelines.
Hearing and vision aids, and vision correction by surgeries and laser
Covered in cases of medical emergencies
MedNet’s Global Emergency Assistance services coverage through Assist America
- No Financial limitations applicable under this benefit
- Worldwide Emergency Medical Evacuation
- Worldwide Hospital Admission Assistance
- Repatriation of mortal remains to home country from anywhere in the world, including country of residence
- Medical Consultation, Evaluation, Referral & Monitoring
- Care of minor children & Compassionate visit
*For detailed information please refer Assist America Table of Benefit
Inpatient and Outpatient Cover includes:
1. Pre & Post natal treatments
2. Normal delivery
3. Medically necessary Caesarean Section
4. Maternity related Complications
5. Medically necessary legal terminations
* In-patient maternity treatment are subject to prior approval
Inside Abu Dhabi- Combined In-patient outpatient limit up to the Annual Benefit limit of the policy.
- For Delivery Inside Abu Dhabi a Deductible of AED 500/- is applicable as per HAAD.
- Outside Abu Dhabi - Combine Inpatient and Outpatient Limie of AED 10,000/- applicable.
- Same Out Patient Deductible as per the selected Plan will be applicable for Maternity Consultations also.
Alternative Medicine Benefit covers: Osteopathy, Chiropractic, Homeopathy, Acupuncture, Ayurveda and Herbal Treatments
Covered up to AED 1,600/- PMPY
**Only on reimbursement basis
Influenza Vaccine
Covered - Once per Annum
**Only on reimbursement basis
Vaccination Covered as per MOH schedule (Requires Pre-Authorization)
Covered both on *Free Access and reimbursement basis
Reimbursements claims are settled at 100% of actual covered cost subject to maximum of 100% of Applicable Network rates
*Free Access facility is available only within specific MedNet Vaccination Network
Health at Hand
Schedule a consultation 7 days a week
Cashless consultations with no co-payments
Prescribed medicine delivered to your door
Sick notes
E-referral to a specialist
Covered
Wysa helps you maintain your mental well-being and improve your emotional resilience in a self-help context.
Access to over 150 personalised resources
Coaching Session including AI Chatbot (5 sessions included/ top up sessions available
In App session management, Video Calls, session history
Wysa Premium
Operated by Assist America
Medical Evacuation and Assistance
Covered
24/7 Emergency Medical Assistance Hotline
Covered
Repatriation of Mortal Remains to Home Country
Covered
Repatriation and Accompaniment (outside UAE)
Covered up to AED 9,200
All services below provided by Assist America.
Please refer to the specific Terms and Conditions for Assist America at the end of this document.
Compassionate Visit
Arrangement and payment of roundtrip transportation for family member or a friend to join a member who is traveling alone and expected to be hospitalised for more than 5 days
Covered
Care of Minor Children
If an injured member has minor children left unattended, we will pay for them to return home to a family member, or will arrange childcare locally at home.
Covered
Lost Luggage or Document Assistance
We will help members locate lost luggage, documents or personal belongings.
Covered
Interpreter and Legal Referrals
We will refer members to interpreters and/or legal personnel, as necessary
Covered
Emergency Message Transmission
We will receive and transmit authorised emergency messages for members.
Covered
Free Access
- Covered with pre-authorization only
- Co-payment 20% applicable
'Reimbursement* - Additional 20% co-payment applicable over free access
Covered with Annual Limit of AED 3500
Dental Consultation
Covered
Tooth Extraction
- Simple Extraction
- Surgical Extraction
Covered
Scale and Polishing
Covered
Tooth Filling
- Amalgam filling
- Composite filling
- Glass Ionomer filling
Covered
Root Canal Treatment (R.C.T)
Covered
Crown
Covered if followed by root canal treatment
X-Ray
- Intra Oral { Bite wing/ Periapical / Occlusal}
- Extra Oral { Panoramic X-ray & Tomograms}
Covered
Medications
Antibiotics; Analgesics; Antacids; Enzyme preparations ( Edema reductions); Vitamins ( only with antibiotics)
Covered
Medications exclusion:
Mouthwash; Tooth Pastes; Denture cleaning agents; Desensitizing agents; Anti septic
Not Covered
Anaesthesia
- L. Anaesthesia; - G. Anaesthesia
Local Covered General Not Covered
Orthodontics
Not Covered
- Except For Scaling and Polishing, all other services are covered if medical necessity is established.
| Sales Brochure for Access Health plans in Abu Dhabi and Al Ain | |
| AH-sales-brochure-AbuDhabi_09May23.pdf | Download |
| Sales Brochure for Access Health plans in the Dubai and the Northern Emirates | |
| AH-sales-brochure-Dubai_09May23.pdf | Download |
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