Premium International Health Insurance for You & Your FamilyDubai Health Authority (DHA) Compliant

Health Insurance Made EasyDesigned and Reinsured by

Individual / Familes

1 - 9 People

Available in the GCC through:

GlobalCare health insurance plans are designed and reinsured by HanseMerkur, one of Germany’s oldest and most renowned insurers and a name synonymous with quality and the highest standards of service and customer satisfaction.

We aim to deliver clarity and transparency, with benefits and terms that are easy to understand, giving you the confidence of knowing exactly what is covered and the peace of mind that you can utilise and access exactly what you paid for.

Our individual products are tailored to meet the specific needs of today’s expatriate and their family. The level of cover and benefits are flexible, with simple options, enabling the customisation of plans to best suit your needs at a price that is right for you.

One thing however is constant, regardless of which plan and options you select, and that is our commitment and drive to deliver quality, excellence and the highest levels of service and customer satisfaction.

Experience You Can Trust

Designed Around You

We recognise that everyone is different, so our plans are customisable to suit your specific needs and budget.

1) Choose Your Plan

Choose between the Select or Prestige Plan, for which the benefits that differ are marked with a * symbol on the following 2 pages.

You can check which providers are available in the various Networks* by visiting: www.intl-globalcare.com

Whether you choose the Select or Prestige Plan, the standard core benefits such as Inpatient, Day Patient and Outpatient treatments are always fixed and uncapped giving unparalled cover for the most medically important and potentially costly treatments.

2) Choose Your Deductible

The Select Plan maximum deductible can be increased from: AED 50 to AED 75 per outpatient consultation.

The Prestige Plan maximum deductible can be increased from: Nil to either AED 50 or AED 75 per outpatient consultation.

* A deductible is the amount an insured person must pay towards each outpatient consultation. The higher the deductible, the lower the premium (price).

3) Select Your Package Options

Some benefits are not essential or required by everyone, but they are desirable for others. These benefits are still available, along with enhancements of certain core benefits, but as Package Options on request, allowing the enhancement and customisation of our plans to suit you.

You can choose one or more Packages, and within the Dental, Optical and Assistance Packages there are further options (A or B) for the specific monetary limits provided.

Smart Seha, Smart Choice

We are also proud to offer the optional Smart Seha Package, delivering convenience of services such as a 24/7 doctor on call. This fits in perfectly with today’s hectic lifestyles and avoids the need to make appointments and to physically visit doctors. Find out more at www.smartseha.com

GlobalCare Select GlobalCare Prestige

Coverage Area*

Worldwide excluding Zones A & B (In Zone A & B emergencies are covered up to UAE Network Rates)

If an Insured Person’s Home Country is in Zones A or B, they are covered there up to UAE Network Rates

Worldwide excluding Zone A

(in Zone A only emergencies are covered up to UAE Network Rates)

Zone A = USA and its territoriesZone B = Canada, Caribbean, China, Greece, Hong Kong, Israel, Macau, Russia, Singapore, Switzerland & UK

Annual Policy Limit* AED 2,000,000 Unlimited

Network* Nextcare (GN) General Network (Bahrain, Egypt,

Kuwait, Lebanon, Oman, Qatar, Saudi Arabia & UAE)and Henner Network (Rest of the World)

Nextcare (GN+) General Network Plus (Bahrain, Egypt, Kuwait, Lebanon, Oman, Qatar, Saudi Arabia & UAE)

and Henner Network (Rest of the World)

Level of Cover*

In Network: - 100% of Actual Costs

Outside Network & within Coverage Area:- 75% of Actual Costs in a country with Network Coverage

- 100% of Actual Costs in a country without Network Coverage

In Network: - 100% of Actual Costs

Outside Network & within Coverage Area: - 100% of Actual Costs

Pre-existing Conditions AED 150,000 AED 150,000

Chronic Conditions Covered Covered

Congenital & Hereditary Conditions Covered Covered

Degenerative Conditions Covered Covered

Cancer Diagnostics, oncology, radiotherapy and chemotherapy Covered Covered

Medical Practitioner Fees Including physicians/doctors, specialists, surgeons and anaesthetists Covered Covered

Diagnostics Pathology, Oscopies and Scans (X-ray, CT, MRI & PET) Covered Covered

Prescribed Medicines & Dressings Covered Covered

Local Air or Road Ambulance Where Medically Necessary for Treatment that is covered, by an appropriate conveyance, to the nearest suitable Hospital by an official emergency service

Covered Covered

Inpatient & Day Patient

Hospital Accommodation Private Room Private Room

Operating Theatre & Hospital Charges Covered Covered

Intensive Care Unit Covered Covered

Surgical Appliances & Internal Prostheses Covered Covered

Reconstructive Surgery To restore appearance or function after a disfiguring illness, accident or cancer surgery that occurred during the policy period

Covered Covered

Organ & Tissue Transplants Including heart, heart valves, lung, liver, kidney, pancreas, intestine, bone marrow, skin & cornea, excluding donor expenses

Covered Covered

Kidney Dialysis Covered Covered

Cash Benefit For Inpatient stays where no costs are borne by the Insurer AED 300 per night, up to 28 nights AED 300 per night, up to 28 nights

Parental Accommodation Hospital accommodation for a parent or legal guardian staying with an insured person under 18 years of age admitted to Hospital as an Inpatient

Covered Covered

Accompanying Person Accommodation Hospital accommodation for an accompanying person staying with an insured Dependant admitted as an Inpatient and in a critical condition

Default: AED 300 per night Inpatient Package: Covered

Default: AED 300 per night Inpatient Package: Covered

Nursing Care at Home With a Qualified Nurse if recommended by a specialist instead of an Inpatient stay immediately following Treatment

Default: Not Covered Inpatient Package: Covered up to 30 days

Default: Not Covered Inpatient Package: Covered up to 30 days

Psychiatric Treatment & Care Default: Not Covered Inpatient Package: Up to 20 nights

Default: Not Covered Inpatient Package: Up to 20 nights

Outpatient

Deductible* 20% Co-insurance up to a maximum of AED 50 (or AED 75) per outpatient consultation

Nil (or 20% Co-insurance up to a maximum of AED 50 (or AED 75) per outpatient consultation)

Physiotherapy Up to 10 prescribed sessions per medical condition Covered Covered

Routine Cancer Check-up Yearly preventive check-ups for early detection of cancerous conditions: • Mammogram • PAP smear

Default: Not CoveredOutpatient Package I: AED 3,000

Default: Not CoveredOutpatient Package I: AED 3,000

Vaccinations As recommended by WHO for the applicable Country of Residence or travel: Cholera, Hepatitis A & E, Japanese Encephalitis, Meningococcal Disease, Rabies, Tick-borne Encephalitis, Typhoid & Yellow Fever

Default: Not Covered Outpatient Package I: AED 2,000

Default: Not Covered Outpatient Package I: AED 2,000

Medical Aids & Monitors Including non-motorised wheel-chairs, crutches, walking sticks, braces, spinal supports, collars, orthopaedic inserts, nebulizers, blood pressure monitors and diabetic monitors and test strips

Default: Not Covered Outpatient Package I: AED 3,000

Default: Not Covered Outpatient Package I: AED 3,000

Psychotherapy & Psychiatry Up to 20 sessions including consultations and medication

Default: Not Covered Outpatient Package I: Covered

Default: Not Covered Outpatient Package I: Covered

• Prostate cancer screening • Colon cancer screening

Our Plans

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GlobalCare Select GlobalCare Prestige

Coverage Area*

Worldwide excluding Zones A & B (In Zone A & B emergencies are covered up to UAE Network Rates)

If an Insured Person’s Home Country is in Zones A or B, they are covered there up to UAE Network Rates

Worldwide excluding Zone A

(in Zone A only emergencies are covered up to UAE Network Rates)

Zone A = USA and its territoriesZone B = Canada, Caribbean, China, Greece, Hong Kong, Israel, Macau, Russia, Singapore, Switzerland & UK

Annual Policy Limit* AED 2,000,000 Unlimited

Network* Nextcare (GN) General Network (Bahrain, Egypt,

Kuwait, Lebanon, Oman, Qatar, Saudi Arabia & UAE)and Henner Network (Rest of the World)

Nextcare (GN+) General Network Plus (Bahrain, Egypt, Kuwait, Lebanon, Oman, Qatar, Saudi Arabia & UAE)

and Henner Network (Rest of the World)

Level of Cover*

In Network: - 100% of Actual Costs

Outside Network & within Coverage Area:- 75% of Actual Costs in a country with Network Coverage

- 100% of Actual Costs in a country without Network Coverage

In Network: - 100% of Actual Costs

Outside Network & within Coverage Area: - 100% of Actual Costs

Pre-existing Conditions AED 150,000 AED 150,000

Chronic Conditions Covered Covered

Congenital & Hereditary Conditions Covered Covered

Degenerative Conditions Covered Covered

Cancer Diagnostics, oncology, radiotherapy and chemotherapy Covered Covered

Medical Practitioner Fees Including physicians/doctors, specialists, surgeons and anaesthetists Covered Covered

Diagnostics Pathology, Oscopies and Scans (X-ray, CT, MRI & PET) Covered Covered

Prescribed Medicines & Dressings Covered Covered

Local Air or Road Ambulance Where Medically Necessary for Treatment that is covered, by an appropriate conveyance, to the nearest suitable Hospital by an official emergency service

Covered Covered

Inpatient & Day Patient

Hospital Accommodation Private Room Private Room

Operating Theatre & Hospital Charges Covered Covered

Intensive Care Unit Covered Covered

Surgical Appliances & Internal Prostheses Covered Covered

Reconstructive Surgery To restore appearance or function after a disfiguring illness, accident or cancer surgery that occurred during the policy period

Covered Covered

Organ & Tissue Transplants Including heart, heart valves, lung, liver, kidney, pancreas, intestine, bone marrow, skin & cornea, excluding donor expenses

Covered Covered

Kidney Dialysis Covered Covered

Cash Benefit For Inpatient stays where no costs are borne by the Insurer AED 300 per night, up to 28 nights AED 300 per night, up to 28 nights

Parental Accommodation Hospital accommodation for a parent or legal guardian staying with an insured person under 18 years of age admitted to Hospital as an Inpatient

Covered Covered

Accompanying Person Accommodation Hospital accommodation for an accompanying person staying with an insured Dependant admitted as an Inpatient and in a critical condition

Default: AED 300 per night Inpatient Package: Covered

Default: AED 300 per night Inpatient Package: Covered

Nursing Care at Home With a Qualified Nurse if recommended by a specialist instead of an Inpatient stay immediately following Treatment

Default: Not Covered Inpatient Package: Covered up to 30 days

Default: Not Covered Inpatient Package: Covered up to 30 days

Psychiatric Treatment & Care Default: Not Covered Inpatient Package: Up to 20 nights

Default: Not Covered Inpatient Package: Up to 20 nights

Outpatient

Deductible* 20% Co-insurance up to a maximum of AED 50 (or AED 75) per outpatient consultation

Nil (or 20% Co-insurance up to a maximum of AED 50 (or AED 75) per outpatient consultation)

Physiotherapy Up to 10 prescribed sessions per medical condition Covered Covered

Routine Cancer Check-up Yearly preventive check-ups for early detection of cancerous conditions: • Mammogram • PAP smear

Default: Not CoveredOutpatient Package I: AED 3,000

Default: Not CoveredOutpatient Package I: AED 3,000

Vaccinations As recommended by WHO for the applicable Country of Residence or travel: Cholera, Hepatitis A & E, Japanese Encephalitis, Meningococcal Disease, Rabies, Tick-borne Encephalitis, Typhoid & Yellow Fever

Default: Not Covered Outpatient Package I: AED 2,000

Default: Not Covered Outpatient Package I: AED 2,000

Medical Aids & Monitors Including non-motorised wheel-chairs, crutches, walking sticks, braces, spinal supports, collars, orthopaedic inserts, nebulizers, blood pressure monitors and diabetic monitors and test strips

Default: Not Covered Outpatient Package I: AED 3,000

Default: Not Covered Outpatient Package I: AED 3,000

Psychotherapy & Psychiatry Up to 20 sessions including consultations and medication

Default: Not Covered Outpatient Package I: Covered

Default: Not Covered Outpatient Package I: Covered

GlobalCare Select GlobalCare PrestigePreventive Check-ups • For early detection of diseases and disorders • To check a child’s (up to 18 years of age) physical and mental development

Default: Not Covered Outpatient Package II: Combined limit of AED 5,000

Default: Not Covered Outpatient Package II: Combined limit of AED 5,000

Alternative/Complementary Therapies• Chiropractic & osteopathy if referred by a medical practitioner • Traditional Chinese & Ayurvedic medicine, acupuncture & homeopathyRehabilitation Immediately post-hospitalisation for speech, oculomotor and occupational therapy and prescribed physiotherapy (over and above the basic 10 sessions)

Mother & Child (9-month waiting period if pregnancy is not declared at initial policy inception)

Antenatal Visits (reviews, checks, tests), ultrasounds (up to 3D) & medication

Default: 8 routine visits & 3 ultrasounds Maternity Package: Covered

Default: 8 routine visits & 3 ultrasounds Maternity Package: Covered

Normal Births/Deliveries* Default: AED 12,000 Maternity Package: Covered

Default: AED 18,000 Maternity Package: Covered

C-sections, Complications & Terminations* Only if Medically Necessary

Default: Up to AED 12,000 Maternity Package: Covered

Default: Up to AED 18,000 Maternity Package: Covered

Maternity Complications (Emergencies Only) Covered Covered

Newborn CoverAs prescribed by the DHA Covered for 30 days from birth Covered for 30 days from birth

Dental & Optical

Routine Dental • Check-up• Scaling and polishing • Dental consultation and medication • Amalgam and composite filling • Extraction (non-surgical and surgical) • Root canal treatment • X - Rays (Standard or Panoramic)• Periodontics

Default: Not Covered Dental Package A: AED 6,250 including 20% Co-insurance

Dental Package B: AED 12,500 including 20% Co-insurance

Default: Not Covered Dental Package A: AED 6,250 including 20% Co-insurance

Dental Package B: AED 12,500 including 20% Co-insurance

Tooth Restoration & Replacements Bridges, crowns, inlays, onlays and dentures (6-month waiting period)

Orthodontic Treatment For children up to 18 years of age (6-month waiting period)

Emergency Dental Treatment In a Hospital or a Dental Clinic within 72 hours of an accidental injury occurring, excluding dental prostheses and orthodontic treatments

Covered Covered

Optical Yearly eye examinations, a pair of prescription glasses, contact lenses and corrective lasik surgery

Default: Not Covered Optical Package A: AED 1,250 including 20% Co-insurance Optical Package B: AED 2,500 including 20% Co-insurance

Default: Not Covered Optical Package A: AED 1,250 including 20% Co-insurance Optical Package B: AED 2,500 including 20% Co-insurance

Assistance

International Assistance Guarantee of payment (available through the Helpline) where possible for out-of-network Inpatient and Emergency Treatments

Covered Covered

Smart Seha • Call a Doctor - Dr on call 24/7 • Ask a Doctor - Email over 20,000 specialists globally with your queries • Second Opinion

Default: Not CoveredOption: Covered for a fee of AED 100 person

(or AED 225 per family) per annum

Default: Not CoveredOption: Covered for a fee of AED 100 person

(or AED 225 per family) per annum

Burial or Cremation The costs in the place of death if not the deceased person’s Home Country, excluding ceremonies and religious practitioners

Default: Not Covered Assistance Package A: AED 10,000 Assistance Package B: AED 20,000

Default: Not Covered Assistance Package A: AED 10,000 Assistance Package B: AED 20,000

Repatriation of Mortal Remains The costs to transport a deceased person’s body (or ashes) to their Home Country, including embalming and a suitable coffin

Default: Not Covered Assistance Package A: AED 100,000 Assistance Package B: AED 500,000

Default: Not Covered Assistance Package A: AED 100,000 Assistance Package B: AED 500,000

Medical Repatriation/Evacuation For eligible Medical Conditions or Emergencies where agreed there is no suitable or adequate medical Treatment available locally, reasonable and appropriate costs for transportation (including medical care and assistance if required) to the nearest suitable Hospital or where possible to a Hospital in the Insured Person’s choice of either their Home Country or Country of Residence for Treatment, return transportation (and also a Dependant’s travel and accommodation) are covered. A Repatriation/Evacuation must be arranged where possible through the Nextcare Helpline

Additional

Visiting Medical Practitioners FeesFor practitioners who primarily practice outside of your Country of Residence Covered Covered

HIV/AIDSTreatment and medication Covered Covered

Diabetes Screening Every 3 years from 30 years of age and annually from 18 years of age for high risk individuals (as prescribed by the DHA)

Covered Covered

Essential Vaccinations & InoculationsFor newborns and children up to 6 years of age (as prescribed by the DHA) Covered Covered

Hearing & Vision Emergencies Aids and vision correction by surgeries and laser Covered Covered

Mental Health Emergencies Inpatient, Day Patient and Outpatient Treatments Covered Covered

Work Related Injuries Over and above cover provided by any employer’s liability insurance Covered Covered

Injuries Resulting from Road Traffic Accidents Over and above cover provided by any motor insurance Covered Covered

Injuries Resulting from Participation in Any Sport or Pastime If participation is in a non-professional capacity Covered Covered

“Covered” means up to the Annual Policy Limit (less all other eligible costs incurred in the policy term). Any monetary amounts indicate specific benefit sub-limits.A * symbol denotes benefits and options that differ between the two plans. Please refer to our Terms & Conditions for full details.

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Features & Benefits

Dubai Health Authority (DHA) Compliant - Exceeds rigorous UAE legislation, requirements and standards.

Simple & Clear - Clarity and transparency, with benefits and terms that are easy to understand and straight forward processes and procedures.

Plans to Suit Your Needs & Budget - From the places in the world you are covered, to the monetary limits and scope of the benefits, even the grade of network providers, the choice is yours.

Reduced Risk & Increased Certainty - Your policy will be pooled with all the other individual and family policies insured by us (community-rated) so if a member develops or suffers any serious or expensive medical condition it will not lead to punitive price increases at renewal.

No Need to Pre-authorise - Everything is taken care of when network providers are visited. For visits to providers outside the network there is no need to waste time seeking pre-authorisation, with claims being payable if medically necessary and covered.

Second Opinion - We recognise that decisions about your health and proposed treatments can be the most important you ever have to make, so all members are entitled to a second opinion.

24/7, 365 Days a Year Helpline - Multilingual team of medical experts and professionals are always available to advise and guide members.

Mobile App - This handy technology means you can always check details about your plan, make and monitor claims and locate providers and specialists in specific areas.

Global Direct Billing - In the UAE and neighbouring GCC countries our members have access to Nextcare’s Network, one of the region’s most comprehensive, but member’s can also use Henner’s Global Network giving them access to direct billing with over 30,000 providers in 153 countries.

World-Class Treatment & Care - All plans offer access to top medical providers and care in the selected geographic coverage area.

Unbeatable Value for Money - As HanseMekur is a mutual and not driven by the necessity to make profits for shareholders, the quality and level of cover and service provided for the money is unparalleled.

Covered Means Covered - You will get exactly what you paid for with no hidden clauses, no prohibitive sub-limits and no unfair exclusions.

Experience & Service You Can Trust - Delivered by an alliance of partners, who are regional and global leaders in medical insurance, with over 100 years of combined experience. From the delivery of cards on time and the swift processing of claims, through to just having proper and responsive local support in the GCC, you will feel the difference.

At this premium-end of the health insurance market it is expected that you will enjoy access to top medical professionals, providers and healthcare, and that is assured.

What differentiates us is the level and quality of service and support we are committed to providing to all our clients. We see customer service as the experience we deliver to our clients and an opportunity to exceed expectations, and this way of thinking underpins everything we do.

Our goal is to take the best care of you and your family, keeping them happy, healthy and free from unnecessary hassle and stress, thus enabling you to focus on what really matters in life.

Relax, we’ve got you covered

For more information about GlobalCare plans or to

receive a quotation please contact your

local sales agent

You can also visit www.intl-globalcare.com

for more informaton and downloads

Please refer to our Terms & Conditions for full details about the GlobalCare product range.

National General Insurance Co. (PSC)®, HanseMerkur® and GlobalCare® are all registered trademarks.

© 2017 National General Insurance Co. (PSC). All rights reserved.

National General Insurance Co. (PSC) - HanseMerkur Designed Plans, Levels Ground, 3, 5, 6, NGI House,

PO Box 154, Deira, Dubai, United Arab Emirates

We have made every effort to ensure the contents of this document are true and accurate, however we make no warranty as to its completeness, accuracy or reliability.

National General Insurance Co. (PSC) Incorporated in Dubai on 31/12/1984 I Paid-up Capital DH. 150,000,000 I Insurance Company Registration No. 61