Students sponsored by the University of Birmingham Dubai are required to obtain and maintain health insurance as required by the Dubai Media and Technology Free Zone Area (DMTZA) and as part of the Dubai visa laws, all students must have health insurance for the duration of their visa.
Dubai Health Authority (DHA) compliant Medical insurance is compulsory for all students. Medical insurance aims to provide cover for most expenses incurred by students in a wide network of hospitals and clinics in the UAE, whether as an outpatient, inpatient or emergency admission.
University of Birmingham Dubai has partnered with AXS and ADNIC - to provide students under University visa sponsorship with access to a comprehensive and competitively priced medical insurance plan. This partnership has been established to aim to make it easier for prospective students to access medical insurance in Dubai. The University of Birmingham Dubai does not provide the medical insurance cover; this is provided by ADNIC. Should you opt to take this insurance, your contract of insurance will be with ADNIC. Students are free to arrange their own medical insurance should they wish; however, the level of cover will need to comply with DMTZA and Dubai law.
Please note that University of Birmingham Dubai (UoBD) visa-sponsored students who opt to access medical insurance through the UoBD will receive medical insurance cover after receiving their student visa.
University of Birmingham Dubai provides access to medical health insurance through ADNIC coverage on a paid basis to both new and returning students. The student is responsible for annually paying the cost of this medical insurance to the insurer, although the University will then set up the medical insurance on the student’s behalf as part of the visa application through AXS.
You can refer to the Table of benefits & Hospital & Pharmacy Network to find out which clinics, hospitals and pharmacies around you accept your medical insurance.
Your Medical insurance is linked with your emirates ID card. Your Emirates ID card is your medical insurance card for this scheme. Emirates ID needs to be presented every time at the clinic or hospital at the time of the treatment/visit.
If you have any questions about visa process, please contact us.
TECOM STUDENT INSURANCE PLAN
| Area of cover |
Emirates of Dubai and Northern Emirates Emergency extension to UAE |
| Yearly Maximum per insured member |
AED 150,000 |
| Eligibility of Cover |
- Students under the Sponsorship of TECOM & SUBSIDIARIES.
- Up to age 35
|
| Network |
Neuron Restricted Network |
| Level of cover / reimbursement |
No Benefit outside the applicable network except for emergencies within United Arab Emirates |
In-patient and Day care Treatment
| In-patient and Day care treatment |
20% coinsurance payable by the insured with a cap of AED 500 payable per encounter; and an annual aggregate cap of AED 1,000.
Above these caps the insurer will cover 100% of the treatment.
- Tests, diagnosis, treatments and surgeries in hospitals for non-urgent medical cases (Prior approval required from the insurance company).
- Emergency treatment - Approval required from the insurance company within 24 hours of admission to the authorised hospital.
|
| Daily Room and Board |
In-patient services will be received in rooms of two or more beds. Prior approval required from the insurance company. |
| Parent accommodation |
The cost of accommodating a person accompanying an insured child up to the age of 16 years is covered under Covered under the below Companion Accommodation’ benefit. |
| Companion accommodation of a person accompanying an insured member in cases of medical necessity. |
The cost of accommodation of a person accompanying an inpatient in the same room in cases of medical necessity at the recommendation of the treating doctor and after the prior approval of the insurance company providing coverage. Maximum AED 100 per night. |
Out-Patient Treatment
| Deductible/coinsurance on Consultations |
- Examination, diagnostic and treatment services by authorised general practitioners, specialists and consultants - 20% coinsurance from the insured member per visit. No coinsurance if a follow-up visit made within seven days.
|
| Diagnostics (x-ray, MRI, CT, PET, Ultrasound, etc), Laboratory |
- Laboratory test services carried out in the authorised facility assigned to treat the insured person - 20% coinsurance from the insured member
- Radiology diagnostic services carried out in the authorised facility assigned to treat the insured person - 20% coinsurance from the insured member. In cases of non-medical emergencies, the insurance company’s prior approval is required for MRI, CT scans and endoscopies
|
| Prescribed Drugs |
Cost of drugs and medicines up to an annual limit of AED 1,500 (including coinsurance) - 30% from the insured member in respect of each and every prescription.
No cover for drugs and medicines in excess of the annual limit |
| Physiotherapy (Prior approval of the insurance company is required). |
Covered up to maximum 6 sessions per year - 20% coinsurance from the insured member per session. |
Core Benefits:
| Pre-existing and Chronic conditions |
Treatment for chronic and pre-existing conditions excluded for first 6 months of first scheme membership. Waiting period not applicable where there is proof of continuous uninterrupted insurance coverage for more than 6 months. |
| Ambulance |
Ground transportation services in the UAE provided by an authorised party for medical emergencies. |
Other Benefits:
| Vaccinations and Immunisations |
Covered - Essential vaccinations and inoculations for newborns and children up to age 6 years as stipulated in the DHA’s policies and its updates (currently the same as Federal MOH). |
| Diabetes Screening - Every 3 years from age of 30. High risk individual annually from age of 18 |
Covered |
Hearing, vision aids, vision correction by surgeries and laser in case of medical
emergencies only |
Covered - 20% coinsurance from the insured member |
| Diagnostic and treatment services for dental and gum treatments in case of medical emergencies only |
Covered - 20% coinsurance from the insured member |
Additional Benefit Extensions
| Pregnancy and Childbirth |
Out-patient ante-natal services
10% coinsurance from the Insured member
8 visits to PHC;
All care provided by PHC obstetrician for low risk or specialist obstetrician for high risk referrals. Initial investigations to include:
- FBC and Platelets
- Blood group, Rhesus status and antibodies
- VDRL
- MSU & urinalysis
- Rubella serology
- HIV
- Hep C offered to high risk patients
- GTT if high risk
- FBS, random s or Alc for all due to high prevalence of diabetes in UAE.
Visits to include reviews, checks and tests in accordance with DHA, Antenatal Care Protocols, 3 ante-natal ultrasound Scans. *Above requires prior approval from the Insurance company.
In-patient maternity services:
10% coinsurance from the insured member Maximum benefit: |
| |
AED 7,000 per normal delivery,
AED 10,000 AED for medically necessary C-section,
complications and for medically necessary termination (All limits include coinsurance)
*All above treatments require prior approval from the insurance company or within 24 hours of emergency treatment. |
| Pre- and post-natal complications |
Covered within the above ‘Pregnancy and Childbirth’ benefit |
| New Born Cover |
Cover for 30 days from birth under the mother’s card ü BCG,
Hepatitis B and neo-natal screening tests Phenylketonuria (PKU), Congenital
Hypothyroidism,
Sickle cell screening, congenital adrenal hyperplasia).
*All above treatments require prior approval from the insurance company or within 24 hours of emergency treatment.
|
Cover Extension:
On sole discretion of ADNIC, the coverage shall be extended outside the UAE for treatment, along with Airfare. |
The Coverage shall be extended provided the cost of treatment outside UAE for the required medical procedures is less than 70% of applicable Network rates with a minimum difference of AED 3,000/-,
Air ticket will be covered for insured members in respect of elective treatment subject to the following:
- On eligibility, Covered up to a maximum of AED 2,000/- on reimbursement basis
- Benefit if covered only for In-Patient treatments for Economy class round trip ticket only for patients (i.e.accompanying persons are not covered)
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