Orient Insurance Medical Insurance Review

• https://www.insuranceuae.com/

With more than 38 years experience in the UAE, Orient Insurance offers a wide selection of insurance products for both individuals and companies.

In addition to personal health insurance for individuals, their families and household staff, Orient Insurance also offers medical malpractise cover for doctors and hospitals. The company received an ‘A+’ ranking from the US-based insurance rating company AM Best and an ‘A Strong’ rating from Standard & Poor’s, the financial analysis company. Orient Insurance is the only company in the UAE to receive these high ratings. It also has an ISO 9001 Quality Management Certification.

Orient Insurance was founded in 1982 as a part of the Dubai-based conglomerate the Al-Futtaim Group. It is the largest insurance company in the UAE (by financial capital) and has branches in Jebel Ali, Abu Dhabi, Al Ain, Sharjah and Ras Al Khaimah in UAE, Muscat in Sultanate of Oman and in Bahrain.

Orient Insurance Medical Contact Details

Head Office

Orient Building

Al Badia Business Park

Dubai Festival City

P.O. Box 27966,

Dubai, UAE

Tel 971 4 2531300

Fax 971 4 2531500

[email protected]

Health line: 800 674368 (ORIENT)

Opening hours:

Sunday to Thursday 8:00am to 5:00pm

Jebel Ali

JAFZA View 19, Office No. LB190002, Ground Floor

Downtown Jebel Ali

P.O. Box 17292

Dubai, UAE

Tel 971 4 8847471

Fax 971 4 8847449

Opening Hours:

Sunday to Thursday 9:00am to 5:00pm

Sharjah

Jazeera Building 1

Office 301 & 302, 3rd Floor

Buhaira Corniche,Next to Canal Al Qasba, behind Hilton Hotel

P.O. Box 6654

Sharjah, UAE

Tel 971 6 5682045

Fax 971 6 5681334

Opening hours:

Sunday to Thursday 8:00am to 5:00pm

Ras Al Khaimah

Red Crescent Building

Office No: 401 & 402, 4th Floor

Al Jissir Road

P.O. Box 33217

Ras Al Khaimah, UAE

Tel 971 7 2260540

Fax 971 7 2264296

Opening hours:

Sunday to Thursday 8:00am to 5:00pm

Abu Dhabi

Business Avenue Tower

Office No: 102 & 103, First Floor

Salam Street

P.O. Box 37035

Abu Dhabi, UAE

Tel 971 2 6763222

Fax 971 2 6722236

Opening hours:

Sunday to Thursday 8:00am to 5:00pm

Al Ain

Meli Iran Building

Office No : 4, M2 Floor

Al Ain Main street, Near Clock Tower

P.O. Box 18800

Al Ain, UAE

Tel 971 3 7377012

Fax 971 3 7377013

Opening Hours:

Sunday to Thursday 8:00am  to 5:00pm

Why buy Orient Insurance

Orient Insurance offers two main health insurance plans for individuals and families, the Family Care plan and the Health Care plan and each have slightly different benefits for Abu Dhabi and Dubai. They also have EMed for low salary employees, DMed for non-working dependents, and IMed for investors.

The Family Care plan for Dubai has five different classes of coverage, each with a different aggregate limit, but sharing all the other benefits. Gold has an aggregate limit of AED 1 million, Silver Premium has a limit of 750,000, Silver Classic has a limit of 500,000, Green has a limit of 250,000 and Silk Road has a limit of 150,000. They all offer 90 days coverage outside the UAE per treatment, AED 150,000 for pre-declared medical conditions, a private room, intensive care, consultant’s fees, chemo and radio therapies etc, organ donation, ambulance services, AED 100 companion room and board expenses for beneficiary below 16-years, AED 7,500 repatriation of mortal remains, outpatient benefits include co-payment for consultation with a physician, diagnostics and laboratory tests, pharmaceuticals, physiotherapy, other benefits include daycare treatment, outpatient surgery, emergency mental health treatment, work related injuries, emergency dental treatment, new born baby coverage, diabetic screening, cancer and hepatitis C treatment for those enrolled on the patient support program, MedNet’s Global Emergency Assistance, AED 10,000 maternity benefit, AED 1,600 for alternative medical treatment, vaccination, up to AED 3,500 dental cover.

The Family Care plan for Abu Dhabi is virtually the same as in Dubai, except it has an annual aggregate limit of AED 1,000,000, and cancer and hepatitis C treatment are not covered.

There are five Health Plus plans for Dubai, they all offer worldwide coverage and have an annual aggregate limit of AED 1 million, cover 100% of intensive care, emergency ambulance cover, diagnostics subject to 10% copay, AED 150,000 for pre-existing and chronic conditions (subject to declaration), direct billing and reimbursement available, 100% reimbursement in countries where NEXtCARE is not present, 80% reimbursement in countries where NEXtCARE is present, vaccination for children, cancer and hepatitis C treatment, preventive services, emergency dental treatment and diagnostics, and organ transplant.

Health Plus for Dubai Plan 5 (the least cover) uses the NEXtCARE RN3 (outpatient treatment is restricted to clinics only) network, offers semi-private rooms, AED 150 companion room and board expenses for beneficiary below 18-years, AED 150 companion room and board expenses for beneficiary below 16-years, 10% deductible up to AED 15 for GP consultation, 20% up to AED 25 for specialists, AED 5,000 for prescribed medicines, AED 200 cash indemnity for inpatient hospitalizations, 8 annual physiotherapy sessions, inpatient maternity – AED 7,000 for normal delivery and AED 10,000 for a caesarian.

Health Plus for Dubai Plan 4 uses the NEXtCARE RN2 network, offers private rooms, AED 250 companion room and board expenses for beneficiary below 18-years, AED 250 companion room and board expenses for beneficiary below 16-years, AED 5,000, home nursing following inpatient treatment, 10% deductible up to AED 25 for GP consultation, 20% up to AED 60 for specialists, AED 5,000 for prescribed medicines, AED 250 cash indemnity for inpatient hospitalizations, 10 annual physiotherapy sessions, AED 1,500 outpatient psychiatric treatment and AED 6,000 for inpatient treatment, AED 10,000 for repatriation of mortal remains, AED 12,000 inpatient maternity, AED 1,500 dental benefit, AED 1,000 optical benefit, AED 1,000 alternative therapies.

Health Plus for Dubai Plan 3 uses the NEXtCARE RN network, offers private rooms, AED 350 companion room and board expenses for beneficiary below 18-years, AED 350 companion room and board expenses for beneficiary below 16-years, AED 5,000 for home nursing following inpatient treatment, 10% deductible up to AED 25 for GP consultation, 20% up to AED 60 for specialists, AED 5,000 for prescribed medicines, AED 7,500 prescribed medicines, AED 250 cash indemnity for inpatient hospitalizations, 15 annual physiotherapy sessions, AED 1,500 outpatient psychiatric treatment and AED 6,000 for inpatient treatment, AED 10,000 for repatriation of mortal remains, AED 12,000 inpatient maternity, AED 2,500 dental benefit, AED 1,250 optical benefit, AED 1,500 alternative therapies.

Health Plus for Dubai Plan 2 uses the NEXtCARE GN network, offers private rooms, AED 400 companion room and board expenses for beneficiary below 18-years, AED 400 companion room and board expenses for beneficiary below 16-years, AED 7,500 home nursing following inpatient treatment, 10% deductible up to AED 35 for GP consultation, 20% up to AED 75 for specialists, AED 10,000 for prescribed medicines, AED 350 cash indemnity for inpatient hospitalizations, 20 annual physiotherapy sessions, AED 3,000 outpatient psychiatric treatment and AED 10,000 for inpatient treatment, AED 15,000 for repatriation of mortal remains, second medical opinion, AED 20,000 inpatient maternity, AED 3,000 dental benefit, AED 1,500 optical benefit, AED 2,000 alternative therapies.

Health Plus for Dubai Plan 1 uses the NEXtCARE GN+ network, offers private rooms, AED 450 companion room and board expenses for beneficiary below 18-years, AED 450 companion room and board expenses for beneficiary below 16-years, AED 7,500 home nursing following inpatient treatment, 10% deductible up to AED 35 for GP consultation, 20% up to AED 75 for specialists, AED 10,000 for prescribed medicines, AED 350 cash indemnity for inpatient hospitalizations, 20 annual physiotherapy sessions, AED 3,000 outpatient psychiatric treatment and AED 10,000 for inpatient treatment, AED 20,000 for repatriation of mortal remains, second medical opinion, AED 20,000 inpatient maternity, AED 3,000 dental benefit, AED 1,500 optical benefit, AED 2,500 alternative therapies.

There are five Health Plus plans for Abu Dhabi and Al Ain, they all offer worldwide coverage and cover 100% of intensive care, emergency ambulance cover, have AED 50 deductible per consultation, diagnostics covered without copay, pre-existing and chronic conditions (subject to declaration) are covered up to your annual limit, direct billing and reimbursement available within the network, 80% reimbursement in countries where NEXtCARE is present, also included are vaccination for children, physiotherapy, emergency dental treatment and diagnostics, organ transplant, AED 500 deductible for maternity services inside Abu Dhabi and AED 10,000/12,000 in the other emirates, and a second medical opinion.

Health Plus for Abu Dhabi and Al Ain Plan 5 (the least cover) has an annual aggregate limit of AED 250,000 and uses the NEXtCARE RN3 network, offers semi-private rooms, AED 150 parent room and board expenses for beneficiary below 18-years, AED 150 companion room and board expenses for beneficiary, AED 5,000 for prescribed medicines, AED 200 cash indemnity for inpatient hospitalizations.

Health Plus for Abu Dhabi and Al Ain Plan 4 has an annual aggregate limit of AED 300,000 and uses the NEXtCARE RN2 network, offers private rooms, AED 250 parent room and board expenses for beneficiary below 18-years, AED 250 companion room and board expenses for beneficiary, AED 5,000 for home nursing following inpatient treatment, AED 5,000 for prescribed medicines, AED 250 cash indemnity for inpatient hospitalizations, AED 1,500 outpatient psychiatric treatment and AED 6,000 for inpatient treatment, AED 10,000 for repatriation of mortal remains, AED 1,500 dental benefit, AED 1,000 optical benefit, AED 1,000 alternative medicines.

Health Plus for Abu Dhabi and Al Ain Plan 3 has an annual aggregate limit of AED 500,000 and uses the NEXtCARE RN network, offers private rooms, AED 350 parent room and board expenses for beneficiary below 18-years, AED 350 companion room and board expenses for beneficiary, AED 5,000 for home nursing following inpatient treatment, AED 7,500 for prescribed medicines, AED 250 cash indemnity for inpatient hospitalizations, AED 1,500 outpatient psychiatric treatment and AED 6,000 for inpatient treatment, AED 10,000 for repatriation of mortal remains, AED 2,500 dental benefit, AED 1,250 optical benefit, AED 1,500 alternative medicines.

Health Plus for Abu Dhabi and Al Ain Plan 2 has an annual aggregate limit of AED 750,000 and uses the NEXtCARE GN network, offers private rooms, AED 400 parent room and board expenses for beneficiary below 18-years, AED 400 companion room and board expenses for beneficiary, AED 7,500 for home nursing following inpatient treatment, AED 10,000 for prescribed medicines, AED 300 cash indemnity for inpatient hospitalizations, AED 3,000 outpatient psychiatric treatment and AED 10,000 for inpatient treatment, AED 15,000 for repatriation of mortal remains, AED 3,000 dental benefit, AED 1,500 optical benefit, AED 2,000 alternative medicines.

Health Plus for Abu Dhabi and Al Ain Plan 1 has an annual aggregate limit of AED 1 million and uses the NEXtCARE GN+ network, offers private rooms, AED 450 parent room and board expenses for beneficiary below 18-years, AED 450 companion room and board expenses for beneficiary, AED 7,500 for home nursing following inpatient treatment, AED 15,000 for prescribed medicines, AED 300 cash indemnity for inpatient hospitalizations, AED 3,000 outpatient psychiatric treatment and AED 10,000 for inpatient treatment, AED 20,000 for repatriation of mortal remains, AED 3,000 dental benefit, AED 1,500 optical benefit, and AED 2,500 alternative medicines.

Value Added Extras

The Orient Insurance app (Apple and Android) allows you to view your policy summary, buy and renew your policy, find your local Orient branch, and find out about their network of healthcare providers.

Orient Insurance run online health insurance promotions with fantastic prizes, like a car.

Claims process

You can either phone the health switchboard number: 800 674368 or email [email protected].

Alternatively, visit the Orient Insurance web portal and make your claim online.

Before you make a claim, make sure you have:

1. Registered for an Orient Insurance account
2. Your policy details to hand, this includes your policy and membership numbers, as well as personal details
3. Details about the health care provider you’ve seen, your claim reimbursement form, your invoice and proof of payment, as well as the treatment, consultation or service you received
4. Documents that support your claim. If you’re going to submit online they should be in an electronic format
5. Your credit or debit card, or other preferred method of payment

If you have a complaint about your health insurance open a ticket on the Orient Insurance Medical Division web portal and the company will investigate as soon as possible.

FAQS