Dubai Insurance Company (DIC) boasts a distinguished history as the inaugural local insurance provider of the UAE. Over the years, DIC (also referred to as DIN) has established itself as a pillar of excellence in serving its clients.
Notably, the company has expanded its offerings to include specialised insurance solutions, specifically tailored for senior citizens. These DIC senior citizen health insurance plans are designed to address the unique healthcare requirements of the elderly population, ensuring they receive comprehensive coverage for medical services such as regular check-ups, hospitalisation, and critical care.
In this article, we will take a closer look at DIC senior citizen health insurance plans and understand their features, inclusions, and other relevant aspects.
DIC Senior Citizen Health Insurance Plans
Here’s a brief overview of the DIC health insurance plans available for senior citizens -
Plan
Details
Dubai Care N5
This comprehensive health plan offers coverage of up to AED 1,000,000 and a range of valuable benefits like easy access to hospitals through a streamlined referral process
For out-patient services, it covers newborns, laboratory tests, dental care, vaccinations, and physician consultations
In-patient services include coverage for a private room along with ambulance service for emergencies and full coverage for emergency treatments
MEDNET Silk Road
MEDNET Silk Road offers a comprehensive healthcare plan of coverage up to AED 1,000,000 with various features and waiting periods
There is a waiting period for maternity coverage within the first forty calendar days from the policy's start date
Pre-existing conditions must be declared on the Medical Application Form, with no waiting period for medically underwritten conditions although undeclared pre-existing conditions will not be covered during the policy period
The plan provides direct access to specialists in clinics for hospital access, with its out-patient cover including coverage for newborns, laboratory tests, alternative medicine, and so forth
MEDNET Pearl
This plan, with coverage of AED 1,000,000, allows direct hospital access and covers various out-patient services, including newborn care, laboratory tests, dental treatment, and physiotherapy treatment
In-patient services include private room accommodation, ambulance service in medical emergencies followed by admission, and full coverage for emergency treatment
Pre-existing and chronic conditions should be declared. All the declared ones are covered with a sub-limit of AED 150,000, subject to medical underwriting.
MEDNET Emerald
Total coverage of AED 1,000,000 with comprehensive maternity coverage that includes coverage for medical emergencies related to maternity
No waiting period for medical underwritten conditions
Coverage for diagnostics, alternative medicine, vaccination coverage, emergency treatment, worldwide coverage
Dubai Care N3
Worldwide coverage of AED 1,000,000 with benefits like hospital cover, out-patient services, in-patient services, pre-existing and chronic conditions, diagnostics, dental and gum treatment, and so forth
MEDNET Green
Worldwide coverage of AED 1,000,000 with benefits like direct hospital access, physiotherapy, out-patient services, in-patient services such as ambulances, pre-existing and chronic conditions, diagnostics, dental and gum treatment, and more
Dubai Care N2
Worldwide coverage of AED 1,000,000 with benefits like direct hospital access physiotherapy, alternative medicine, out-patient services, diagnostics, in-patient services, pre-existing and chronic conditions, dental and gum treatment, and so on
MEDNET Silver Classic
Global coverage of up to AED 1,000,000 is provided along with a wide range of benefits like direct access to hospitals, physiotherapy, out-patient and in-patient services, emergency treatment, coverage for pre-existing and chronic conditions, diagnostics, dental and gum treatments, and more
Dubai Care Exclusive N2
You can enjoy access to worldwide coverage with a limit of AED 1,000,000
Coverage provided for direct hospital access, physiotherapy, dental and gum treatment, in-patient services, alternative medicine, coverage for pre-existing and chronic conditions, diagnostics, out-patient services like newborn cover and lab tests, and more
MEDNET Silver Premium
With a global coverage limit of AED 1,000,000, you can enjoy an array of benefits including direct hospital access, coverage for pre-existing and chronic conditions, diagnostics, dental and gum treatment, physiotherapy, out-patient services, and in-patient services, among others
Dubai Care N1
With a coverage limit of AED 1,000,000 (around the world), you can access a host of benefits such as direct hospital access, coverage for pre-existing and chronic conditions, diagnostics, dental and gum treatment, physiotherapy, alternative medicine, out-patient services, and in-patient services, and so forth
MEDNET Gold
You get covered worldwide with an annual limit of up to AED 1,000,000 in benefits
This includes access to hospitals, coverage for pre-existing and chronic conditions, diagnostics, dental and gum treatment, physiotherapy, out-patient services, alternative medicine, in-patient services, and more
Q1. Which factors influence DIC health insurance premiums?
Ans: Several factors affect health insurance premiums such as your age, medical history, policy duration, type of occupation or job, body mass index (BMI), type of chosen plan, whether you smoke or not, and so on.
Q2. Can I cancel my insurance policy and is there any refund?
Ans: While health insurance plans can certainly be cancelled, the refund and terms will depend on the terms and conditions of your policy.
Q3. What medical expenses are not covered by health insurance?
Ans: Although the exclusions of health insurance vary from one plan to another, most health insurance plans don’t cover cosmetic treatments, undeclared pre-existing conditions, services or treatments not deemed medically necessary, infertility treatments, illnesses related to alcohol and drugs, supplements, and so on.
Q4. How can I receive reimbursement for my medical emergency claims?
Ans: For non-network claims, you must notify the insurer of all medical emergencies within 48 hours. In the case of a network provider, the provider will contact the insurer.
Q5. What documents are required for reimbursement?
Ans: To obtain reimbursement, you must submit a completed reimbursement claim form along with paid invoices and all relevant reports.
Q6. Will my insurance coverage end if my Emirates ID expires?
Ans: Your insurance coverage will cease only if your visa is cancelled.
Q7. Will I have coverage if I face an emergency on the policy's expiry date?
Ans: Coverage is in effect only until the policy's expiry date.
Q8. Am I eligible for insurance coverage in my home country?
Ans: Home country treatment can be arranged in accordance with the policy's terms and conditions.
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Both Self and Family
Family without Self
Domestic Workers
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