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Health Insurance

HEALTH INSURANCE

  • Health Insurance Plan for AUD-Sponsored Students
  • Private health insurance covering care in the UAE is mandatory for all AUD-sponsored students.

HEALTH INSURANCE FORMS AND POLICIES
Name of Insurance: Qatar Insurance

  • Students Insurance Cards: The insurance will be linked to Emirates ID and no physical cards will be issued. Therefore, Emirates ID is mandatorily to be provided along with other mandatory requirements of DHA.
  • To download and see E-cards, students can download the application using their Emirates ID – It can be found in the FMC Mobile App.
  • Fee for Blood Test for visa visa is not covered by the insurance. Students sponsored by AUD must follow the pre-existing policy.
  • Telehealth Services offered by health facilities. Teleconsultation call: 04 328 7799 NOVITAS Jebel Ali or 04 5693389 NOVITAS International City.
  • Claims, reimbursement, and other concerns: Any claim issues, approvals, or pending requests, please refer to the FMC Medical Expenses Reimbursement Claim Form for further information refer to FMC Mobile App.
  • For cases assistance: contact the 24/7 insurance representative, Marlon and Dr. Hanna on 056-3985084 - 24/7 from 8:00 AM to 9:00 PM.
  • For medical emergencies, call the 24/7 Emergency Line on 600565691 24/7 24 hours.

Please refer to the link below for FMC Mobile App:
For Android users: https://play.google.com/store/apps/details?id=com.fmc.healthcare
For iOS users: https://apps.apple.com/ae/app/fmc-network/id1575177329

GENERAL BENEFITS – CAT A

Maximum plan benefit per year
(including any coinsurance and/or deductibles)

AED 250,000

Out-Patient

In-Patient

Area of Coverage

UAE for both elective & emergency treatments & cover is extended to Home Country (Excluding USA, Canada & Europe) for IP treatments only (elective & emergency) subject to prior approval

Provider Network

RN (Including Al Zahra Hospital & Medcare Hospital)

Pre-existing & Chronic conditions
(Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion period this must be covered up to the annual aggregate limit)

Covered up to AED 150,000/- Treatment for chronic and pre-existing conditions excluded for first 6 months of first scheme membership of an individual’s first scheme entered into UAE (Here “scheme’’ includes all schemes providing cover for medical expenses whether on a self-funded or insured basis). In all other cases, pre- existing conditions must be covered from date of enrolment.

Reimbursement Outside Network

Elective: 80% R&C of applicable network rates on reimbursement basis Emergency: 100% R&C of applicable network rates on reimbursement basis

Coverage Outside UAE within Territory of Cover
(If Applicable)

Coverage outside UAE within territory of cover is covered on 100% reimbursement basis based on UCR charges of UAE designated network rates or 100% incurred claims cost whichever is lower. Any Elective or Emergency IP treatment outside UAE whilst insured is on vacation or business trip is covered for maximum of 30 days, subject to prior approval.

IN CASE OF EMERGENCIES

  • During working hours: The AUD Health Center, located in Building A, room 116, is open weekdays (Monday-Friday), from 8:00 AM – 5:00 PM. Contact: 04-3183 200.
  • After working hours and during the weekend, contact the AUD Hotline: 04-3183 500, 555. Or, communicate with AUD Health Care providers through WhatsApp: 056-916 7761.

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