Effective Fall 2008, Private Health Insurance covering care in the UAE is mandatory to all AUD students.
In order to meet this requirement by enrolling in the AUD-sponsored health insurance plan, students are charged a non-refundable AED 1,000 fee on their Fall semester bill covering the period September 1 through August 31.Students with valid current health insurance covering all of UAE may waive this fee (please see below).

• Students must collect their Insurance Cards from the Finance Department one week after Drop/Add period.
• Medical visits and procedures will be reimbursed through medical claim forms.
• Students permanently dismissed or graduating from AUD, before Spring semester, have the choice to apply for a refund after returning the card to the Finance Department.
• Students joining within the academic year will be charged on pro-rata basis. The amount will be determined by the Insurance Company.
• Fee for Blood Test for visa is not covered by the insurance. Students sponsored by AUD have to follow the pre-existing policy.

For details and full information about the insurance: Networks, Benefits, Conditions and Exceptions.

BENEFITS	DETAILS
Insured	M/S. AMERICAN UNIVERSITY DUBAI - STUDENTS
Persons Covered	Compulsory for all Students of AUD
Limit (per person per year)	AED 200,000
Sublimits Outside Network	• Doctor’s consultation: Dhs. 300 • Daily room and board: Dhs. 800
Geographical Area	UAE only
Network	Nextcare - GN
Deductible and Co-Insurance
Deductible (each and every claim)	In Patient - NIL	Out Patient - AED 75
Co-insurance outside APN - emergency	In Patient - NIL (subject to network rating)	Out Patient - NIL(subject to network rating)
Co-insurance outside APN - Non- emergency	In Patient - 20% (with prior approval from Medgulf & subject to network rating)	Out Patient - 20% (subject to network rating)
Free Follow up Consultation within 7 days.
Direct Settlement	Available when using the Medical card issued for In & Out- patient treatment inside UAE limited to the list of Nextcare providers attached. (Outside APN the claims will be settled on Cash -reimbursement basis)
Physiotherapy sessions per person per year	If following surgery/accident - Full cover	Otherwise - 15
Deletions	Cancellation of member will be based on Pro-rata basis for those with total claims amount less than 75% of the premium amount
	No refund applicable for deletion of members who have claims equal or above 75% of the premium
Cancellation Clause	If the policyholder requests the cancellation, the premium refund due will be calculated on short period rates. No refund is due in respect to any member who (a) did not return his card, or (b) previously claimed under the policy.

Student joining beginning of	Charges
Fall Semester (covering September 1st, 2011 – August 31st, 2012)	AED 1,000
Spring Semester (covering January 9th, 2012 – August 31st, 2012)	AED    750
Summer I Semester (covering May 6th, 2012 – August 31st, 2012)	AED    450
Summer II Semester (covering July 1st, 2012 – August 31st, 2012)	AED    300

For this fee to be waived, students are required to provide evidence of currently valid private health insurance covering care in the UAE (Original Insurance Card, and the completed waiver form) to the Finance Office. Deadline to do so is the last day of the Fall semester Drop/Add (see AUD Academic Calendar).

Failure to provide this evidence before the deadline will result in cancellation of the option to waive the health insurance coverage and associated fee.

Please find below the contacts of the staff in charge of the "AUD Student Insurance Plan" at

Mr. Omar Rifi
Tel: 04 – 295 04 99
Fax: 04 – 295 04 88
Mobile: 050 - 580 27 97
Email: o.rifi@abradley.ae