Main Covers

Our five customised plans are perfectly designed for you whatever your circumstances. Being covered with AXA Smart Health provides you with:  

  • Easy access to treatment and direct settlement from over 3,000 providers around the UAE and over 800,000 providers globally.
  • 24/7 support from a dedicated team of multilingual customer service professionals.
  • Quick online reimbursement of claims you may have paid.
  • 24/7 free medical teleconsultation with certified doctors, in case you need advice before seeking treatment.
  • Routine dental cover.
  • Comprehensive covers including inpatient cover, outpatient cover, pre-existing and chronic conditions.
  • Coverage of cancer and related Specialist Patient Support Programme*
  • Access to MYAXA app to have all your healthcare requirements in one simple place including your electronic healthcare card.

 

*covering healthcare services, investigations and treatments for Cancer (As per DHA list of cancer conditions) and Viral Hepatitis and associated complication. This applies for cases eligible for and enrolled under the DHA launched Patient Support Program, however, the coverage would be as per the terms and conditions of the program.

Health Insurance Product Summary

Smart Health - Dubai & Northern Emirates

Smart Health
 
Global
Smart Health
 
Regional
Smart Health
 
Gold
Smart Health
 
Silver
Smart Health
 
Bronze
Area of cover worldwide
worldwide excluding USA G.C.C.: Saudi Arabia, Kuwait, Bahrain, Qatar, UAE and Oman, plus Jordan, Iran, Lebanon, Syria, Egypt, Tunisia, Morocco, Algeria, India, Pakistan, Sri Lanka, Bangladesh, Korea, the Philippines, Indonesia, Nepal & Bhutan. UAE plus any one of India, Pakistan, Sri Lanka, Bangladesh, Philippines, Nepal & Bhutan being your home country. UAE plus any one of India, Pakistan, Sri Lanka, Bangladesh, Philippines, Nepal & Bhutan being your home country. UAE
Yearly maximum
AED 7,500,000 AED 2,500,000 AED 500,000 AED 250,000 AED 150,000
Outside area of cover
worldwide up to AED 750,000 worldwide up to AED 250,000 worldwide up to AED 50,000 not covered not covered
Outpatient network
STAR Diamond Diamond Crystal Pearl
Inpatient network
STAR Plus & International Directory of Hospitals STAR & International Directory of Hospitals Diamond Diamond Crystal
Outpatient coinsurance
10% 10% 10% 10% 20%
Inpatient coinsurance
nil nil nil nil 20% (capped at AED 500 per episode and AED 1,000 per annum)
Maternity Cover (Delivery)
AED 25,000 AED 20,000 AED 15,000 AED 10,000 AED 7,000 for normal delivery AED 10,000 for C-Section
Dental
AED 4,000
20% co-insurance
applies to this benefit
AED 2,000,
20% co-insurance
applies to this benefit.
AED 1,000,
20% co-insurance
applies to this benefit.
not covered not covered
AXA360 (teleconsultation)
covered covered covered covered not covered

Smart Health – Abu Dhabi

Smart Health
 
Global
Smart Health
 
Regional
Smart Health
 
Gold
Smart Health
 
Silver
Area of cover
worldwide excluding USA G.C.C.: Saudi Arabia, Kuwait, Bahrain, Qatar, UAE and Oman, plus Jordan, Iran, Lebanon, Syria, Egypt, Tunisia, Morocco, Algeria, India, Pakistan, Sri Lanka, Bangladesh, Korea, the Philippines, Indonesia, Nepal & Bhutan. UAE plus any one of India, Pakistan, Sri Lanka, Bangladesh, Philippines, Nepal & Bhutan being your home country. UAE plus any one of India, Pakistan, Sri Lanka, Bangladesh, Philippines, Nepal & Bhutan being your home country.
Yearly maximum
AED 7,500,000 AED 2,500,000 AED 500,000 AED 250,000
Outside area of cover
worldwide up to AED 750,000 worldwide up to AED 250,000 worldwide up to AED 50,000 not covered
Outpatient network
STAR Diamond Diamond Crystal
Inpatient network
STAR Plus & International Directory of Hospitals STAR & International Directory of Hospitals Diamond Diamond
Outpatient coinsurance
AED 50 AED 50 AED 50 AED 25
Maternity Cover (Delivery)
covered covered covered covered
Dental
AED 4,000
20% co-insurance
applies to this benefit.
AED 2,000,
20% co-insurance
applies to this 
benefit.
AED 1,000,
20% co-insurance
applies to this benefit.
not covered
AXA360 (teleconsultation)
covered covered covered covered

 

With AXA’s Domestic Helpers’ plan, you can be confident your employees are well protected.

Additional benefits

Worldwide emergency medical assistance

Our evacuation and repatriation services are available for you 24- hours a day, 365-days a year, anywhere in the world. International Emergency Medical Assistance is available on Global, Regional and Gold plans only.

 

Personal accident

This cover is included in your health plan. It provides a lump sum amount ranging from AED 25,000- 150,000 in case of accidental death.

 

Good to know:

In case you require any medical assistance, please feel free to contact us on the following number +971 4 429 4000 at any time mentioned on the back of your medical card.

We are closer to you than you think. We have a dedicated team to help you with your claim. You can get in touch with us through various touchpoints. Submit, track and manage your reimbursement claims here:

Call 800 AXA (292) and one of our customer service representatives will guide you through your claim.