Insurance Summary

Coverage Details

Area of coverage United Arab Emirates

‫اﻟﺤﺪود اﻟﺠﻐﺮاﻓﻴﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬

Cover limit AED 225,000

‫ درﻫﻢ‬225,000 ‫ﺣﺪود اﻟﺘﻐﻄﻴﺔ‬

Emergency treatment expenses including examination, diagnosis and treatment services by general practitioners, certified specialists and
consultants.

‫وااﻟﺴﺘﺸﺎر ﻦ اﻟﻤﻌﺘﻤﺪﻳﻦ‬ ‫واﻟﻤﺘﺨﺼﺼ‬ ‫اﻟﻌﺎﻣ‬ ‫ذﻟﻚ ﺧﺪﻣﺎت اﻟﻔﺤﺺ واﻟﺘﺸﺨﻴﺺ واﻟﻌﻼج ﻣﻦ ﻗﺒﻞ اﻟﻤﻤﺎرﺳ‬ ‫ﺣﺎﻻت اﻟﻄﻮارئ ﺑﻤﺎ‬ ‫ﻧﻔﻘﺎت اﻟﻌﻼج‬

Emergency medical expenses for coronavirus (COVID-19) treatment until medical condition stabilizes.

‫ﺗﺴﺘﻘﺮ اﻟﺤﺎﻟﺔ اﻟﻄﺒﻴﺔ‬ ‫( ﺣ‬19 - ‫اﻟﻨﻔﻘﺎت اﻟﻄﺒﻴﺔ اﻟﻄﺎرﺋﺔ ﻟﻔ وس ﻛﻮروﻧﺎ )ﻛﻮﻓﻴﺪ‬

Laboratory testing services that are conducted in an approved facility designated for the treatment of the insured person due to covered disease &/or
accident.

‫ أو ﺣﺎدث ﻣﻐﻄﻰ‬/ ‫ﻣﻨﺸﺄة ﻣﻌﺘﻤﺪة ﻣﺨﺼﺼﺔ ﻟﻌﻼج اﻟﺸﺨﺺ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻪ ﺑﺴﺒﺐ ﻣﺮض و‬ ‫ﻳﺘﻢ إﺟﺮاؤﻫﺎ‬ ‫ﺧﺪﻣﺎت اﻟﻔﺤﻮﺻﺎت اﻟﻤﺨ ﻳﺔ اﻟ‬

Radiology services that are performed in a licensed facility for the treatment of the insured person due to covered disease &/or accident.

‫ أو ﺣﺎدث ﻣﻐﻄﻰ‬/ ‫ﻣﻨﺸﺄة ﻣﺮﺧﺼﺔ ﻟﻌﻼج اﻟﺸﺨﺺ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻪ ﺑﺴﺒﺐ ﻣﺮض و‬ ‫ﻳﺘﻢ إﺟﺮاؤﻫﺎ‬ ‫ﺧﺪﻣﺎت اﻷﺷﻌﺔ اﻟ‬

Expenses of medicines prescribed by the attending physician due to covered disease &/or accident.

‫ أو ﺣﺎدث ﻣﻐﻄﻰ‬/ ‫ﻣﺼﺎرﻳﻒ اﻷدوﻳﺔ اﻟﻤﻮﺻﻮﻓﺔ ﻣﻦ ﻗﺒﻞ اﻟﻄﺒﻴﺐ اﻟﻤﻌﺎﻟﺞ ﺑﺴﺒﺐ ﻣﺮض و‬

Surgical expenses including operating room fees, tools and materials used in cases of illness/accidents covered emergency.

‫ﺣﺎﻻت اﻟﻄﻮارئ‬ ‫ اﻟﺤﻮادث اﻟﻤﻐﻄﺎة‬/ ‫ﺣﺎﻻت اﻟﻤﺮض‬ ‫ذﻟﻚ رﺳﻮم ﻏﺮﻓﺔ اﻟﻌﻤﻠﻴﺎت واﻷدوات واﻟﻤﻮاد اﻟﻤﺴﺘﺨﺪﻣﺔ‬ ‫ﻣﺼﺎرﻳﻒ اﻟﺠﺮاﺣﺔ ﺑﻤﺎ‬

Charges for medical practitioners, room, beds and tools used for covered medical emergency &/or accident.

‫ أو اﻟﺤﻮادث‬/ ‫ﺣﺎﻻت اﻟﻄﻮارئ اﻟﻄﺒﻴﺔ و‬ ‫ة واﻷدوات اﻟﻤﺴﺘﺨﺪﻣﺔ‬ ‫واﻟﻐﺮﻓﺔ واﻷ‬ ‫اﻟﻄﺒﻴ‬ ‫رﺳﻮم اﻟﻤﻤﺎرﺳ‬

Medical incubation (nursing), dressing or injection in case of covered emergency illness/accident.

‫ اﻟﺤﻮادث اﻟﻄﺎرﺋﺔ اﻟﻤﻐﻄﺎة‬/ ‫ﺣﺎﻟﺔ اﻟﻤﺮض‬ ‫ اﻟﺘﻀﻤﻴﺪ أو اﻟﺤﻘﻦ‬، ‫اﻟﺤﻀﺎﻧﺔ اﻟﻄﺒﻴﺔ اﻟﺘﻤﺮﻳﺾ‬

Transportation to an appropriately equipped medical facility for an accident illness &/or covered emergency.

‫ أو ﺣﺎﻟﺔ ﻃﻮارئ ﻣﻐﻄﺎة‬/ ‫ﻣﻨﺸﺄة ﻃﺒﻴﺔ ﻣﺠﻬﺰة ﺑﺸﻜﻞ ﻣﻨﺎﺳﺐ ﻟﻤﺮض ﺣﺎدث و‬ ‫اﻟﻨﻘﻞ إ‬

Medical referral for a covered emergency illness/accident.

‫ ﺣﺎدث ﻃﺎرئ ﻣﻐﻄﻰ‬/ ‫إﺣﺎﻟﺔ ﻃﺒﻴﺔ ﻟﻤﺮض‬

Medical translation service for covered emergency illness/accident.

‫ اﻟﺤﻮادث اﻟﻄﺎرﺋﺔ اﻟﻤﻐﻄﺎة‬/ ‫ﺧﺪﻣﺔ اﻟ ﺟﻤﺔ اﻟﻄﺒﻴﺔ ﻟﻸﻣﺮاض‬

Surveillance of the disease/emergency covered during treatment at the hospital.

‫اﻟﻤﺴﺘﺸﻔﻰ‬ ‫ﻳﺘﻢ ﺗﻐﻄﻴﺘﻬﺎ أﺛﻨﺎء اﻟﻌﻼج‬ ‫ اﻟﻄﻮارئ اﻟ‬/ ‫ﻣﺮاﻗﺒﺔ اﻟﻤﺮض‬

COVID 19 quarantine expenses (per day, maximum 10 days). AED 175 Per Day (maximum 10 days)

(‫ أﻳﺎم‬10 ‫ ﻳﻮم )ﻟﻤﺪة‬/ ‫ درﻫﻢ‬175 .(‫ أﻳﺎم‬10 ‫ )ﻟﻤﺪة‬19 ‫ﺗﻜﺎﻟﻴﻒ اﻟﺤﺠﺮ اﻟﺼﺤﻲ ﺑﺴﺒﺐ ﻓ وس ﻛﻮﻓﻴﺪ‬

Repatriation of mortal remains AED 15,000

‫ درﻫﻢ‬15,000 ‫ﺣﺎﻟﺔ اﻟﻮﻓﺎة‬ ‫ﻧﻘﻞ اﻟﺠﺜﺔ‬

Death due to accident AED 15,000

‫ درﻫﻢ‬15,000 ‫اﻟﻮﻓﺎة ﻧﺘﻴﺠﺔ ﺣﺎدث‬

Access to our 24/7 call centre to inquire about a covered emergency/accident.

‫ أو اﻟﺤﻮادث اﻟﻤﻐﻄﺎة‬/ ‫ ﻟﻼﺳﺘﻌﻼم ﻋﻦ اﻟﻤﺮض و‬، ‫ﻣﺪار اﻟﺴﺎﻋﺔ‬ ‫ واﻟﺬي ﻳﻌﻤﻞ ﻋ‬، ‫اﻟﻮﺻﻮل إ ﻣﺮﻛﺰ اﻹﺗﺼﺎل اﻟﺨﺎص ﺑﻨﺎ‬
 Insurance Summary

Exclusions

Illness or injuries resulting from pre-existing and chronic diseases or from those existing before the insurance policy commencement date, unless it is
an acute emergency and must be dealt with in the emergency room until the condition stabilization.

‫ﻏﺮﻓﺔ اﻟﻄﻮارئ ﺣ‬ ‫ ﻣﺎ ﻟﻢ ﺗﻜﻦ ﺣﺎﻟﺔ ﻃﺎرﺋﺔ ﺣﺎدة وﻳﺠﺐ اﻟﺘﻌﺎﻣﻞ ﻣﻌﻬﺎ‬، ‫اﻟﻤﺮض أو اﻹﺻﺎﺑﺎت اﻟﻨﺎﺗﺠﺔ ﻋﻦ أﻣﺮاض ﻣﻮﺟﻮدة ﻣﺴﺒﻘﺎً وﻣﺰﻣﻨﺔ أو ﻣﻦ ﺗﻠﻚ اﻟﻤﻮﺟﻮدة ﻗﺒﻞ ﺗﺎرﻳﺦ ﺑﺪء وﺛﻴﻘﺔ اﻟﺘﺄﻣ‬
‫ﺗﺴﺘﻘﺮ اﻟﺤﺎﻟﺔ‬

Rehabilitation treatments.

‫ﻋﻼﺟﺎت إﻋﺎدة اﻟﺘﺄﻫﻴﻞ‬

Hearing and vision devices and correcting vision through surgical operations or laser.

‫وﺗﺼﺤﻴﺢ اﻟﺮؤﻳﺔ ﻣﻦ ﺧﻼل اﻟﻌﻤﻠﻴﺎت اﻟﺠﺮاﺣﻴﺔ أو اﻟﻠ ر‬ ‫أﺟﻬﺰة اﻟﺴﻤﻊ واﻟﺒ‬

Sexually transmitted venereal diseases.

ً‫اﻷﻣﺮاض اﻟﺘﻨﺎﺳﻠﻴﺔ اﻟﻤﻨﻘﻮﻟﺔ ﺟﻨﺴﻴﺎ‬

Personal amenities (Television, barber or beauty services), guest service and similar incidental services and supplies.

‫اﻟﻤﺮاﻓﻖ اﻟﺸﺨﺼﻴﺔ )اﻟﺘﻠﻔﺎز أو اﻟﺤﻼﻗﺔ أو ﺧﺪﻣﺎت اﻟﺘﺠﻤﻴﻞ( وﺧﺪﻣﺔ اﻟﻀﻴﻮف واﻟﺨﺪﻣﺎت واﻹﻣﺪادات اﻟﻌﺮﺿﻴﺔ اﻟﻤﻤﺎﺛﻠﺔ‬

Medical services that are not performed by health care providers who are authorized to provide these services.

‫ال ﻳﺆدﻳﻬﺎ ﻣﻘﺪﻣﻮ اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ اﻟﻤﺮﺧﺺ ﻟﻬﻢ ﺑﺘﻘﺪﻳﻢ ﻫﺬه اﻟﺨﺪﻣﺎت‬ ‫اﻟﺨﺪﻣﺎت اﻟﻄﺒﻴﺔ اﻟ‬

IVF services and treatment, embryo transfer and transfer of ovum (female eggs) and sperm.

‫ﺧﺪﻣﺎت وﻋﻼﺟﺎت أﻃﻔﺎل اﻷﻧﺎﺑﻴﺐ وﻧﻘﻞ اﻷﺟﻨﺔ وﻧﻘﻞ اﻟﺒﻮﻳﻀﺎت واﻟﺤﻴﻮاﻧﺎت اﻟﻤﻨﻮﻳﺔ ﻣﻦ اﻟﺬﻛﻮر‬

Medical services and expenses related to organ and tissue transplantation, regardless of whether the insured person is a donor or not.

‫ ﺑﻐﺾ اﻟﻨﻈﺮ ﻋﻤﺎ إذا ﻛﺎن اﻟﺸﺨﺺ اﻟﻤﺆﻣﻦ ﻋﻠﻴﻪ ﻣﺘ ﻋﺎً أم ﻻ‬، ‫اﻟﺨﺪﻣﺎت واﻟﻨﻔﻘﺎت اﻟﻄﺒﻴﺔ اﻟﻤﺘﻌﻠﻘﺔ ﺑﺰراﻋﺔ اﻷﻋﻀﺎء واﻷﻧﺴﺠﺔ‬

Tests of treatment not prescribed by doctors.

‫اﺧﺘﺒﺎرات اﻟﻌﺎﻟﺞ ﻏ اﻟﻤﻮﺻﻮﻓﺔ ﻣﻦ ﻗﺒﻞ اﻷﻃﺒﺎء‬

Medical assistance or services that are not medically necessary - elective and/or nonemergency medical conditions and all of its complications.

‫ أو ﻏ اﻟﻄﺎرﺋﺔ وﺟﻤﻴﻊ ﻣﻀﺎﻋﻔﺎﺗﻪ‬/ ‫ اﻟﺤﺎﻻت اﻟﻄﺒﻴﺔ اﻻﺧﺘﻴﺎرﻳﺔ و‬- ً‫ورﻳﺔ ﻃﺒﻴﺎ‬ ‫اﻟﻤﺴﺎﻋﺪة أو اﻟﺨﺪﻣﺎت اﻟﻄﺒﻴﺔ ﻏ اﻟ‬

Pregnancy and birth.

‫اﻟﺤﻤﻞ واﻟﻮﻻدة‬

Aesthetic/Cosmetic healthcare service.

‫ﺧﺪﻣﺎت اﻟﺮﻋﺎﻳﺔ اﻟﺼﺤﻴﺔ اﻟﺠﻤﺎﻟﻴﺔ‬

Allergy testing and desensitization (excluding allergy testing to drugs and supplies used in treatment).

(‫اﻟﻌﻼج‬ ‫اﺧﺘﺒﺎر اﻟﺤﺴﺎﺳﻴﺔ وإزاﻟﺔ اﻟﺤﺴﺎﺳﻴﺔ )ﺑﺎﺳﺘﺜﻨﺎء اﺧﺘﺒﺎر اﻟﺤﺴﺎﺳﻴﺔ ﻟﻸدوﻳﺔ واﻟﻤﺴﺘﻠﺰﻣﺎت اﻟﻤﺴﺘﺨﺪﻣﺔ‬

Birth defects, diseases and congenital anomalies.

‫اﻟﻌﻴﻮب اﻟﺨﻠﻘﻴﺔ واﻷﻣﺮاض واﻟﺘﺸﻮﻫﺎت اﻟﺨﻠﻘﻴﺔ‬

Illness, injury or illness resulting from the voluntary consumption of alcohol, drugs, toxic substances or over-the-counter drugs or medications.

‫ﻻ ﺗﺴﺘﻠﺰم وﺻﻔﺔ ﻃﺒﻴﺔ‬ ‫ أو اﻷدوﻳﺔ اﻟ‬،‫اﻟﻤﺮض أو اﻷﺻﺎﺑﺔ أو اﻟﻤﺮض اﻟﻨﺎﺗﺞ ﻋﻦ اﻷﺳﺘﻬﺎﻟﻚ اﻟﻄﻮﻋﻲ ﻟﻠﻜﺤﻮل أو اﻟﻤﺨﺪرات أو اﻟﻤﻮاد اﻟﺴﺎﻣﺔ أو اﻷوﻳﺔ‬
 Insurance Summary

Terms & Conditions

The certificate contains only a Summary of Cover. Please refer to applicable Terms Conditions for full details. Please contact us if any of your personal details
shown within this Certificate of Travel Insurance are incorrect.

The Travel Insurance is under by Islamic Arab Insurance Company SALAMA with services provided by Shory.

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This is an electronically generated document from shory platform on 20/11/2023 09:09