SME Business Health Insurance – Uselect

Customisable plans for companies with 11-150 employees, offering flexibility of coverage with different module options.
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Choose the plan that is more convenient for you

Uselect Gold Abu Dhabi

    • Annual benefit limit per person (Options)

      • AED 1,000,000
      • AED 5,000,000

    • Territorial Limit (Options)

      • Worldwide excluding USA
      • Worldwide

    • Network (Options) Over 3,100 providers under the Supreme Network

    • Pre-existing conditions fully covered

    • Outpatient Deductible

      • Physician consultation: AED 50/25/Nil per consultation

    • Outpatient Pharmacy Co-insurance – 20%/Nil

    • Outpatient Pharmacy Limit – AED 10,000/ Annual Limit

    • Maternity

      • Within UAE: 100% covered
      • Outside UAE: AED 25,000/30,000/ Annual Limit

    • Home Nursing AED 200/day up to 90 days

    • Outpatient Medical Applicances and Equipment AED 1,000

    • Dialysis AED 30,000

     

Uselect Silver Abu Dhabi

    • Annual benefit limit per person (Options)

      • AED 500,000
      • AED 1,000,000

    • Territorial Limit (Options)

      • UAE extended to Southeast Asia, Indian Subcontinent and Arab countries for inpatient treatment only
      • Worldwide excluding USA, Canada and Europe

    • Network (Options) Over 2,700 providers under the Key Network

    • Pre-existing conditions fully covered

    • Outpatient Deductible

      • Physician consultation: AED 50/25/Nil per consultation

    • Outpatient Pharmacy Co-insurance – 20%/Nil

    • Outpatient Pharmacy Limit – AED 7,500/ 10,000/ Annual Limit

    • Maternity

      • Within UAE: 100% covered
      • Outside UAE (inpatient maternity only): AED 20,000/25,000/Annual Limit

    • Home Nursing AED 200/day up to 60 days

    • Dialysis AED 25,000

     

Uselect Bronze Abu Dhabi

    • Annual benefit limit per person (Options)

      • AED 250,000
      • AED 500,000

    • Territorial Limit (Options)

      • UAE extended to Southeast Asia, Indian Subcontinent and Arab countries for inpatient only

    • Network (Options) Over 2,200 providers under the Advanced Network

    • Pre-existing conditions fully covered

    • Outpatient Deductible

      • Physician consultation: AED 50/25/Nil per consultation

    • Outpatient Pharmacy Co-insurance – 10%/20%

    • Outpatient Pharmacy Limit – AED 12,500/ 7,500/ 5,000 in the Drug Formulary List

    • Maternity

      • Within UAE: 100% covered
      • Outside UAE (inpatient maternity only): AED 15,000/20,000/ Annual Limit

    • Home Nursing AED 200/day up to 15 days

     

Uselect Gold DNE

      • Annual benefit limit per person (Options)

        • AED 1,000,000
        • AED 5,000,000

      • Territorial Limit (Options)

        • Worldwide excluding USA
        • Worldwide

      • Network (Options)

        • Supreme
        • Grand
        • Royal

      • Non-Network – 50% on actuals

      • Pre-existing conditions fully covered

      • Physician Consultation

        • Dubai and Northern Emirates visa holders: 0/20% with AED 25/50 out of pocket per consultation
        • Abu Dhabi visa holders: AED 0/25/50 out of pocket per consultation

      • Accommodation Private room

      • Outpatient Pharmacy (Options)

        • 100% covered up to AED 10,000/Annual limit
        • 80% covered up to AED 10,000/Annual limit

      • Maternity (Options are for DHA Plans. DOH Plans are covered up to Annual Limit) – Annual Limit/AED 30,000/25,000

      • Dental

        • Module 6: 80% covered up to AED 2,000/3,000/5,000
        • Module 5: 70% – AED 500, inclusive of co-insurance

      • Outpatient Benefits covered

      • Dialysis AED 60,000

      • Optical (Optional)

        • Up to AED 500/1,000/1,500
        • Limited to 2 vision tests
        • Prescribed eyeglasses, frames, contact lenses

     

Uselect Silver DNE

      • Annual benefit limit per person (Options)

        • AED 500,000
        • AED 1,000,000

      • Territorial Limit (Options)

        • UAE extended to Southeast Asia, Indian Subcontinent and Arab Countries for inpatient treatment only
        • Worldwide excluding USA, Canada & Europe

      • Network (Options)

        • Grand
        • Key

      • Non-Network – 50% on actuals

      • Pre-existing conditions fully covered

      • Physician Consultation

        • Dubai and Northern Emirates visa holders: 0/20% with AED 25/50 out of pocket per consultation
        • Abu Dhabi visa holders: AED 0/25/50 out of pocket per consultation

      • Accommodation Private room

      • Outpatient Pharmacy (Options)

        • 100% covered up to AED 7,500/10,000/Annual limit
        • 80% covered up to AED 7,500AED/10,000/Annual limit

      • Maternity (Options are for DHA Plans. DOH Plans are covered up to Annual Limit) – Annual Limit/AED 25,000/20,000

      • Dental

        • Module 6: 80% covered up to AED 2,000/3,000/5,000
        • Module 5: 70% – AED 500, inclusive of co-insurance

      • Outpatient Benefits covered

      • Dialysis AED 60,000

      • Optical

        • Up to AED 500/1,000
        • Limited to 2 vision tests
        • Prescribed eyeglasses, frames, contact lenses

     

Uselect Bronze DNE

      • Annual benefit limit per person (Options)

        • AED 250,000
        • AED 500,000

      • Territorial Limit (Options)

        • UAE extended to Southeast Asia, Indian Subcontinent and Arab Countries for inpatient treatment only

      • Network (Options)

        • Advanced
        • Primary

      • Non-Network – 50% on actuals

      • Pre-existing conditions fully covered

      • Physician Consultation

        • Dubai and Northern Emirates visa holders: 0/20% with AED 25/50 out of pocket per consultation
        • Abu Dhabi visa holders: AED 0/25/50 out of pocket per consultation

      • Accommodation Shared room

      • Outpatient Pharmacy (Options)

        • 90% covered up to AED 5,000/7,500/12,500
        • 80% covered up to AED 5,000/7,500/12,500/Annual limit

      • Maternity (Options are for DHA Plans. DOH Plans are covered up to Annual Limit) – AED 20,000/15,000

      • Dental

        • Module 6: 80% covered up to AED 1,500/2,000
        • Module 5: 70% – AED 500, inclusive of co-insurance

      • Outpatient Benefits covered

      • Dialysis

        • 80% – AED 60,000 inclusive of co-insurance
        • Inpatient treatment out of pocket limit of AED 500 per encounter and an annual aggregate limit of AED 1,000

      • Optical

        • Up to AED 500
        • Limited to 2 vision tests
        • Prescribed eyeglasses, frames, contact lenses

     

Uselect Gold Abu Dhabi

Uselect Silver Abu Dhabi

Uselect Bronze Abu Dhabi

Uselect Gold DNE

Non-Network

50% on actuals

Pre-existing Conditions

Fully covered

Physician Consultation

Dubai and Northern Emirates visa holders: 0/20% with OOP AED 25/50 per consultation
Abu Dhabi visa holders: AED 0/25/50 per consultation

Request Quote

Accommodation

Private room

Outpatient Pharmacy (Options)

100% covered up to AED 10,000/Annual limit
80% covered up to AED 10,000/ Annual limit

Maternity*: (Options DHA Plans. DOH Plans are covered up to Annual limit)

Annual limit/AED 30,000/AED 25,000

Request Quote

Dental Module 1

80% AED 2,000/3,000/5,000

Outpatient Benefits

Covered

Optical

100% covered up to AED 500

100% covered up to AED 1,000

100% covered up to AED 1,500

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Alternative Medicine

20% co-pay with AED 3,000

Home Nursing Post Hospitalisation

AED 200 per day up to 90 days

Medical Check-up

AED 1,000

Request Quote

Outpatient Medical Appliances and Equipment

AED 1,000

Dialysis

AED 30,000

Other DHA Mandated Benefits

Covered

Request Quote

Uselect Silver DNE

Non-Network

50% on actuals

Pre-existing Conditions

Fully covered

Physician Consultation

DNE visa holders: 0/20% with OOP AED 25/50 per consultation
Abu Dhabi visa holders: AED 0/25/50 per consultation

Request Quote

Accommodation

Private room

Outpatient Pharmacy (Options)

100% covered up to AED 7,500/ 10,000 / Annual limit
80% covered up to AED 7,500/ 10,000 / Annual limit

Maternity*: (Options DHA Plans. DOH Plans are covered up to Annual limit)

Annual limit / AED 25,000 / AED 20,000

Request Quote

Dental Module 1

80% AED 2,000/ 3,000 / 5,000

Outpatient Benefits

Covered

Optical

100% covered up to AED 500

100% covered up to AED 1,000

Request Quote

Alternative Medicine

20% co-pay with AED 2,500

Home Nursing Post Hospitalisation

AED 200 per day up to 60 days

Medical Check-up

AED 500

Request Quote

Outpatient Medical Appliances and Equipment

Not covered

Dialysis

AED 25,000

Other DHA Mandated Benefits

Covered

Request Quote

Uselect Bronze DNE

Non-Network

50% on actuals

Pre-existing Conditions

Fully covered

Physician Consultation

Dubai and Northern Emirates visa holders: 0/20% with AED 25/50 out of pocket per consultation
Abu Dhabi visa holders: AED 0/25/50 per consultation

Request Quote

Accommodation

Shared room

Outpatient Pharmacy (Options)

90% covered up to AED  5,000 / 7,500 /12,500
80% covered up to AED 5,000 / 7,500 /12,500

(Restricted to Closed Drug Formulary)

Maternity*: (Options DHA Plans. DOH Plans are covered up to Annual limit)

AED 20,000 / AED 15,000

Request Quote

Dental Module 1

80% AED 1,500 / 2,000

Outpatient Benefits

Covered

Optical

100% covered up to AED 500

Request Quote

Alternative Medicine

Dubai and Northern Emirates – Basic 20% co-pay AED 2500
Abu Dhabi – Not covered

Home Nursing Post Hospitalisation

AED 200 per day up to 15 days

Medical Check-up

AED 500

Request Quote

Outpatient Medical Appliances and Equipment

Not covered

Dialysis

Not covered

Other DHA Mandated Benefits

Covered

Request Quote

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