Effective Fall 2008, Private Health Insurance covering care in the UAE is mandatory to all AUD
students.
In order to meet this requirement by enrolling in the AUD-sponsored health insurance plan, students are charged a
non-refundable AED 1,000 fee on their Fall semester bill covering the period September 1 through August 31.
Students with valid current health insurance covering all of UAE may waive this fee (please see below). |
Policies and Procedures
- Effective September 20th 2008, students must collect their Insurance Cards from the AUD Health Center.
- From September 1st until September 20th 2008, medical visits and procedures will be reimbursed through
claim forms students can download from AUD
website.
- Students permanently dismissed or graduating from AUD, before Spring semester, have the choice to apply for a refund
after returning the card to the Health Center.
- Students joining within the academic year will be charged on pro-rata basis. The amount will be determined by the
Insurance Company.
- Fee for Blood Test for visa is not covered by the insurance. Students sponsored by AUD have to follow the
pre-existing policy.
For details and full information about the insurance:
Networks, Benefits, Conditions and Exceptions. |
| BENEFITS |
DETAILS |
| Insured |
M/S. AMERICAN UNIVERSITY DUBAI - STUDENTS |
| Persons Covered |
Compulsory for all Students of AUD |
Limit
(per person per year) |
AED 200,000 |
| Sublimits Outside Network |
Doctors consultation: Dhs. 300
Daily room and board: Dhs. 800
ICU Charges: at actual |
| Geographical Area |
UAE only |
| Network |
NAS General Network
American Hospital Dubai NOT APPLICABLE |
| Deductible and Co-Insurance |
Dhs 50. per claim within Network
20% outside Network
Deductibles for follow-up visits with the same doctor for the same medical condition
not applicable within network for 7 days from date of first visit |
| Direct Settlement |
Available when using the access card for In and Out-patient treatment inside UAE limited to the list
of NAS providers attached. |
| Optical/ Cosmetic/ Dental/ Plastic Surgery |
Not covered |
| Chronic/ Pre-Existing Conditions |
Covered |
| Deletions |
No refund applicable for deletion of members who have claims equal or above Dhs.1,000.
Pro-rata refund for those with total claims amounting to less than Dhs.1,000.-during the policy period |
| Cancellation Clause |
For cancellation of the policy during the policy period, premium
Refund shall be calculated on a pro-rata basis less one month |
| Premiums per person per year |
AED 1,000 |
|
Fees and Charges for AUD Students Health Insurance Plan
| Student joining beginning of |
Charges |
| Fall Semester (covering September 1st, 2008 August 31st, 2009) |
AED 1,000 |
| Spring Semester (covering January 12th, 2009 August 31st, 2009) |
AED 650 |
| Summer I Semester (covering May 10th, 2009 August 31st, 2009) |
AED 350 |
| Summer II Semester (covering July 5th, 2009 August 31st, 2009) |
AED 175 |
Waiver of Fees
For this fee to be waived, students are required to provide evidence of currently valid private health insurance covering care in the UAE (Original Insurance Card, and the completed waiver form) to the Finance Office. Deadline to do so is the last day of the Fall semester Drop/Add (see AUD Academic Calendar).
Failure to provide this evidence before the deadline will result in cancellation of the option to waive the health insurance coverage and associated fee.
Al Ittihad Al Watani Insurance Company Contact Details
Please find below the contacts of the staff in charge of the "AUD Student Insurance Plan" at Al Ittihad Al Watani Insurance Company:
Mr. Amine Joumaa
Tel: 04 282 32 66 ext. 221
Fax: 04 282 34 90
Email: amine@unic.ae
Dr. Srivi
Tel: 04 282 32 66 ext.216
Fax: 04 282 34 90
Email: srivi@unic.ae
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