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
[emailprotected]
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 reimbursem*nt available, 100% reimbursem*nt in countries where NEXtCARE is not present, 80% reimbursem*nt 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 reimbursem*nt available within the network, 80% reimbursem*nt 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 [emailprotected].
Alternatively, visit the Orient Insurance web portal and make your claim online.
Before you make a claim, make sure you have:
- Registered for an Orient Insurance account
- Your policy details to hand, this includes your policy and membership numbers, as well as personal details
- Details about the health care provider you’ve seen, your claim reimbursem*nt form, your invoice and proof of payment, as well as the treatment, consultation or service you received
- Documents that support your claim. If you’re going to submit online they should be in an electronic format
- 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
Some of the Orient Insurance policies mention a ‘deductible’, what is this?
This is a term commonly used in the insurance business to mean the money that you (the insured person) pays before the insurance covers the rest of the cost of the procedure or medicine.
Will my health insurance cover accidental death?
You will need to take out accidental death insurance separate from your health insurance. Some accidental benefits do cover partial or complete disability, either permanent or temporary. However, some Orient Insurance health policies do cover repatriation from a foreign country, this is just to fly your body home.
What are preauthorization and direct payment?
Before you go to the doctor or hospital you should contact Orient Insurance to get your treatment approved or preauthorized. This way you will be sure you will you will be sure that your treatment is covered and the healthcare provider is part of the network of providers approved by the company.
Direct payment is when your insurance company directly pays your bills – this is especially important with larger bills for more expensive procedures or drugs. If you are having a smaller, more routine procedure, like having a dental check-up, you will usually pay the bill yourself and then claim the money back in a reimbursem*nt.
