NextCare Call Centre — questions about your cover
04-270-8800
Overview
Maximum per year
150,000 AED
Coverage area
UAE + Home country (inpatient only)
Pre-existing conditions
Excluded first 6 months
Outpatient (Clinics)
You pay
20% coinsurance
Lab tests
Covered
MRI / CT / Endoscopy
Prior approval needed
You must see a GP first. Specialists require a GP referral — without one, the insurer won't pay.
Annual limit
2,500 AED
You pay per prescription
30%
No cover for drugs above the annual limit. Only formulary (approved) products are covered.
Sessions per year
6 maximum
You pay per session
20%
Prior approval
Required
Inpatient (Hospital)
You pay
20% coinsurance
Cap per visit
500 AED max
Annual cap
1,000 AED max
Room type
Shared (2+ beds)
GP referral required. Emergency admission must be notified to insurance within 24 hours. Prior approval required for surgeries.
Ambulance (ground, UAE)
Covered
Notification
Within 24 hours
Specialist Services
Dental (severe only)
500 AED limit · 30% copay
Mental health (outpatient)
800 AED limit · 30% copay
Dialysis
60,000 AED limit · 20% copay
Organ transplant
100,000 AED limit · 20% copay
Repatriation of remains
5,000 AED limit
Maternity
Waiting period
6 months
You pay
10% coinsurance
Maximum benefit
10,000 AED
Ante-natal visits
8 visits + 3 ultrasounds
Newborn cover
30 days from birth
Prior approval required. Covers normal delivery and medically necessary C-section.
Not Covered
Cosmetic surgery • Weight loss surgery • IVF / fertility •
Vision correction / laser • Hearing aids • Alternative medicine •
Orthodontics • Sleep disorders • Contraception •
Non-formulary drugs • Sports injuries (professional) •
Work injuries (covered by employer) • Road traffic accidents
Dental and vision are emergency-only (20% coinsurance). For the full exclusion list, contact NextCare at 04-270-8800.
Orient Insurance PJSC · Policy EMed PCP/RN3
Ref: IMOPS01052025