Here's how it works. Non-network access is always subject to the terms and conditions of your policy. You will have to pay the whole cost of the treatment and then apply for reimbursement. Your claim shall be settled as per the terms and conditions of your policy, after applying any non-network deductibles.
In the case of elective hospitalization, you need to make sure that you inform us before you get admitted.
If the procedures or investigations during any outpatient visit in a non-network hospitalisation might exceed AED 500, you will need to get the necessary prior approval from us.
In case of emergencies, please call our helpline as soon as possible for all required details.
That usually depends on the type of network cover allotted to you. It will be mentioned on your OIC Health card. Based on this, you can access the full list of healthcare providers through the OIC website - https://medicalnetwork.tameen.ae/ or with the insurance coordinator / HR dept. of your company.
The coinsurance or co-pay is the percentage or amount you will need to pay the hospital or healthcare provider for all services that are covered under your policy. In your case, you will need to pay 20% of the total bill from your side.
No, you don't. As it says, the deductible/co-pay is applicable only for consultation. Hence you need to pay the mentioned amount only for that service. You don't need to pay anything from your side for any of the other covered services.
You should be fine even if you don't have your physical medical card with you. Healthcare providers across the UAE have access to our online platform where they can validate your insurance details using your Emirates ID or your eCard that's available on the OICare portal and myOIC mobile app (available on Google PlayStore and Apple App Store). For your ease, we advise you to download and save the eCards to your mobile phones.
International direct billing is managed by our network partner MSH International. They too can validate your eligibility with your eCard.
Don't worry, it's a quick and easy process. To register on OICare, please click here. You will need to enter your email address, UAE registered mobile number, date of birth, Emirates ID or medical insurance card number to register.
Your medical insurance card number was shared as part of the onboarding email sent to you from email@example.com. If you are unable to find it, kindly contact your HR or insurance coordinator. Alternatively, you can call us on our toll-free number 800 4746 and get your card number after verifying your identity. Kindly keep your passport copy handy before making the call, as the executive may request for these details to validate your identity.