Ambulance Service refers to land ambulance transportation in case of an Emergency, by a licensed ambulance service, and to the nearest Hospital where Emergency Health Services can be rendered. Coverage is provided only in the event of an Emergency health condition.

Alternative Medicine Services refers to therapeutic and diagnostic services outside conventional medicine services, whether as an alternative or complimentary to these services.
Alternative Medicine services include, but not limited to:

• Chiropractic treatment
• Osteopathy
• Ayurveda
• Acupuncture
• Acupressure
• Hypnotism
• Rolling
• Aromatherapy
• Homeopathic treatments and drugs
• Spa treatments
• Relaxing Massages

Is a percentage of the bill that insured members will have to pay on total amount due for the medical service, or a specific service like pharmacy. Balance will be paid by the Insurance Company. (e.g. Co:0% Ph:10%) means insured pays 0% on total bill and 10% on pharmacy only.

It is the small amount written on the medical card ( D: AED 25 for example) and paid by the insured member on the doctor's consultation fee. The balance will be paid by the insurance company to the doctor.

Dental related Service and Supplies are optional benefits that can be covered for a specific amount as per your policy benefits.
Routine Dental Treatment covers services like:

• Consultation
• X-rays
• Scaling and polishing
• Extractions
• Amalgam/composite filling
• Root Canal Treatment; And
• Prescribed Drugs for these Services.

Dental services do not cover regular screening and check-up.

This refers to Health Care Services that are performed at a hospital or day-care facility that does not require overnight stay.

Emergency refers to acute onset of a medical or surgical condition manifested by acute symptoms of sufficient severity, including pain, that the absence of immediate treatment at a Healthcare facility until stabilization of the patient, could reasonably be expected to result in placing the patient's health or bodily functions in serious jeopardy or dysfunction of any body organ or part.

These refer to Hospitalization, for one night or more, and may include room & board, Health Care Service and Supplies during the Hospitalization. This service requires Prior Approval from the insurance company.

In Hospital Cash Benefit is an optional benefit that refers to a daily cash amount paid for each day of an insured's free hospital confinement with no fees being charged/billed to Green Crescent insurance company; provided that the treatment is covered under the Insured's policy. The daily cash benefit amount will be specified in your policy benefit.

Maternity Services refers to maternity-related Health Care Services and Supplies, and include prenatal and postnatal care provided by a Physician on an Outpatient basis, in addition to In-Patient Services for Normal Delivery, Caesarian section, complications of pregnancy, or for legal and medically necessary abortion. The Insurance Coverage is only applicable to married females and is limited to the amount as specified in the policy benefits.

Nursing at home refers to nursing care administered outside a hospital and provided by a registered nurse, which is received directly after and related to In-Patient Health Services or Day-Care Health Services.
This service is an optional benefit, limited to an amount per day and restricted to a number of days as specified in the Specific Terms and Conditions.

Out-patient Prescription Drugs refers to pharmaceuticals, provided on an Outpatient basis that can only be obtained through a prescription written by a Physician; and these pharmaceuticals are recognized by the UAE Ministry of Health as prescription drugs.
The Insurance coverage can be limited to an amount or duration per prescription drug.

Out-Patient Physiotherapy refers to short-term physiotherapy services, by a licensed physiotherapist, following a referral by properly qualified specialist for a confirmed diagnosis, and requires a Prior Approval from the insurance company.

These refer to diagnostic tests and services like surgery, laboratory, radiology, and to therapeutic treatments and services like Chemotherapy; provided by or through a Physician on an outpatient basis.

Optical Services are optional benefits that can be covered for a specific amount as per policy benefits.
Optical Benefits are usually restricted to the following:

• Consultation
• Lenses & Frames
• or Contact Lenses

Parent Accommodation refers to the extra charges incurred for one parent staying in the same room during the Hospitalization of an Insured child under 15 years of age. It is an optional benefit and usually limited to amount per day as specified in the policy benefits.

Routine health checks are tests/screenings that are undertaken without any clinical symptoms being present. This may include but not limited to, partial or complete health assessment with gathering of information about a person's medical history and lifestyle, doing laboratory tests, and screening for diseases.

Repatriation refers to the charges incurred to repatriate the mortal remains of a deceased insured to the country of origin. This service is optional benefit and limited to an amount as per the policy benefits.

The Insurance Coverage is limited to Health Services provided in the territories defined in the policy benefits under "Territorial Limit's."
Health Services provided outside these territories are excluded from any Insurance Coverage. Territorial limit can be different for Emergency Health Services.
Please note that coverage outside the country of residence, and within the territorial limit, is restricted to a maximum stay of 90 days out of the country (a single holiday or business trip may not exceed 90 days).
In case the Insured Person spends more than 90 days outside the country of residence, the coverage will be limited to the first 90 days.