Plan Name	Thiqa_UAE Nationals and those of similar status_Northern Emirates and Dubai Emirate
Benefit Per Insured	Policy period 12 months with no limitations as to time
Territorial Limit	Outside Abu Dhabi Emirate Medical emergencies only (Full coverage in the Abu Dhabi Emirate)
Network (Allowing free access at designated Providers)	Daman Network- Abu Dhabi

In-Patient & Day Treatment require pre-authorization in the Private sector only (Pre & Post In-Hospital Treatment Covered 100%)   Direct claims will not be reimbursed unless proven emergency cases.
Accommodation Type	Room with one bed (private)
Hospital Accommodation & Services	Covered at 100% No financial limitation
Consultant’s, Surgeon’s & Anesthetist’s Fees and other fees	Providers' contracted physician's fees are covered at 100 % as per DAMAN contract.
Home Nursing	Maximum limit of authorization is 60 days subject to extension. Home nursing as defined by international standard (Authorization is required)
Ambulance and evacuation   (in Medical Emergency only, subject to Standard Exclusions)	Covered at 100% (emergency evacuation while abroad is not covered )
Escort accommodation, parents or otherwise as determined by the treating doctor	Covered at 100%

Out-Patient Treatment
Diagnostic tests, X-rays and laboratories	Covered at 100%
MRI, CT, PET scan and other similar tests (Require an authorization in private network providers only)	Covered at 100% only if prescribed by a specialist
Pharmaceuticals	Covered at 50% in private providers (with possibility of dispensing medical prescriptions issued by private sector in pharmacies of “SEHA’ without 50% coinsurance)   (Long term medications to be dispensed, exceeding 90 days require an authorization in private network providers only)
Medical appliances and equipments (with an authorization in private network providers only)	Covered at 100% according to HAAD list of required items for approvals
Out-Patient psychiatric treatment (With pre-authorization in private network providers only )	Covered at 100%
Dietitian (With pre-authorization in private network providers only )	Covered at 100%
Physiotherapy (With pre-authorization in private network providers only)	Physiotherapy 100%

Emergency Treatment	Covered at 100 % within UAE territory (Private and public network providers)
Repatriation of Mortal Remains to the Country of Origin (Including family members)	Not covered

Maternity All In-Patient Maternity Treatments are subject to pre-authorization in Private Network providers only.
In-Patient Maternity	-     Covered at 100% -       Maternity complications are covered at 100% -       Congenital coverage 100% -       Birth Defects coverage 100%
Out-Patient Maternity	Covered at 100%

Dental	Covered at 50% in private providers (and 100% at “SEHA’ providers)   Bridge works, crowns, orthodontics, dentures, implants require an authorization in private Network providers only. Other dental services are covered 50%
Sterile services (Male and Female)	With a maximum of 3 attempts
Other Services	International Assistance in case of emergency is not available
Other Benefits	Rehabilitation of Non Excluded conditions is covered at 100% and requires an authorization (only in private sector) and will be given up to 90 days per policy per member resulting from recent acute condition and can be extended if necessary.   Any medical treatment or intervention essential for the status of the patient
Public Network providers	All treatment, medicine, medical equipment, including hospital in patient services, maternity, dental, home nursing and all services listed in the schedule of benefits and services in out patient clinics do not require preauthorization.