When you are finally thinking of protecting your health and well-being, having the right insurance is really important. Whether you need hospitalisation, maternity care, or preventive services, Orient Insurance offers comprehensive coverage tailored to meet your healthcare needs. But what exactly does Orient Insurance cover? This guide breaks it down into simple terms so you know exactly what to expect before buying this insurance.
About Orient Insurance
Established as one of the leading insurance providers in the UAE, Orient Insurance has built a reputation for delivering reliable, customer-focused solutions and affordable health insurance in Dubai and the UAE. With a wide range of plans, they cater to individuals, families, and businesses, providing access to quality medical care. Their plans are designed to offer flexibility, extensive network coverage, and a strong focus on both inpatient and outpatient benefits.
Now, let’s dive into the details of what Orient Insurance covers and how it can support you in your health journey.
What does Orient Insurance cover?
Considered one of the best health insurance in Dubai and the UAE, Orient provides a wide range of benefits designed to cater to individuals and families in Dubai. Below, we’ve broken down the primary covers that you should be aware of:
1. In-patient benefits
Inpatient benefits include treatments that require hospitalisation. Here’s what’s covered:
| In-patient benefits | Details |
| Hospital room | Private room for comfortable treatment |
| Surgery and specialist fees | Covers expenses for consultants, surgeons, and anaesthetists |
| Therapies | Includes chemotherapy, physiotherapy, and radiation therapy |
| ICU and emergency care | Covers critical care units and emergency treatments |
| Organ transplants | Covers recipient costs (donor expenses excluded) |
| Ambulance services | Provides emergency transportation to hospitals |
Additional Highlight: Companion costs for children under 16 are covered up to AED 100 per night.
2. Out-patient benefits
Outpatient services don’t require an overnight hospital stay and include:
| Benefit | Details |
| Consultations | Physician visits with a copayment based on your plan |
| Diagnostics and lab tests | Essential tests prescribed by your doctor |
| Pharmaceuticals | Medicines are covered with a small copayment |
| Physiotherapy | Up to 15 sessions per year (requires prior approval) |
3. Maternity benefits
Orient Insurance ensures comprehensive care for expectant mothers:
| Benefit | Details |
| Normal delivery | Covered up to AED 10,000 |
| Caesarean section | Medically necessary procedures covered up to AED 10,000 |
| Emergency maternity care | Covered up to AED 150,000 for emergencies |
| Prenatal screenings | Essential tests and ultrasounds as per DHA guidelines |
4. Dental benefits
Good oral health is crucial, and Orient Insurance includes:
| Benefit | Details |
| Consultations and examinations | Visits to dentists |
| Fillings and extractions | Covers amalgam, composite, and other fillings |
| Root canal treatments | Available when necessary |
| Scaling and polishing | Routine cleaning is covered |
5. Preventive and wellness care
Preventive services aim to maintain good health:
| Benefit | Details |
| Vaccinations | Covered as per the UAE Ministry of Health schedule |
| Diabetes screening | Annual fasting blood sugar tests |
| Cancer screening | Available for eligible members under specific programs |
6. Emergency coverage
Orient Insurance offers robust support during emergencies:
| Benefit | Details |
| Global emergency assistance | Includes medical evacuation and repatriation |
| Emergency dental care | Covers accidental damage to natural teeth |
| Mental health treatment | Covered during emergencies |
7. Alternative medicine
For those who prefer alternative treatments, Orient Insurance includes:
| Benefit | Details |
| Acupuncture, Ayurveda, and Homeopathy | Covered up to AED 1,600 annually (reimbursement basis) |
8. Newborn baby coverage
Babies are covered from birth under the mother’s insurance card for the first 30 days. Additional coverage can be added with approval.
| Benefit | Details |
| Newborn coverage | Babies covered under the mother’s card for the first 30 days |
| Additional coverage | Can be added with approval |
Why should you choose Orient Insurance?
Here are the three main reasons why you should opt for Orient insurance if you are a resident or an expat:
- Flexible plans: Annual limits ranging from AED 150,000 to AED 1,000,000.
- Worldwide coverage: Ideal for frequent travellers.
- Customised options: Choose from Gold, Silver, or Silk Road networks.
Bottom line?
Orient Insurance provides diverse and comprehensive health insurance coverage in Dubai and the UAE, making it a reliable choice for individuals and families. You can also explore plans from leading providers through reputable and reliable local brokers like InsuranceMarket.ae, where you can compare options, get expert advice, and choose the best policy for you and your family.
Get a quote today or contact an expert to start your journey toward better health coverage!
Frequently Asked Questions (FAQs):
1. What is the annual limit for Orient Insurance?
Depending on the plan, the annual aggregate limit ranges from AED 150,000 to AED 1,000,000.
2. Does Orient Insurance cover pre-existing conditions?
Yes, declared pre-existing conditions are covered up to AED 150,000.
3. Are maternity services included?
Maternity coverage includes pre- and post-natal care, normal deliveries, and C-sections.
