Health Secure

Health Secure Series

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Whatever the size of your business, AXA offers a range of medical insurance plans and healthcare solutions to suit your requirements and your budget.

Why AXA?

  • Instant cover

  • 24/7 claims assistance

  • Fast & fair claims

  • Extensive network

  • Wide range of covers

We offer three flexible plans

Why choose AXA International cover - Health Secure plans 1, 2 and 3?

These are our top of the range plans which allows you to choose medical treatment in well-known hospitals in the GCC or anywhere in the world. (Please note that treatment in the USA is only available under Health Secure plan 1). In addition you’ll receive higher limits on most of the benefits. Please refer to the complete table of benefits for more details.

 

Key Benefits

Health Secure 1, 2 and 3 - International covers

  •  In-patient private hospital treatment
  •  Out-patient consultations, treatments and diagnostics
  •  Cover for any declared pre-existing conditions (whether chronic or not), from day one *
  •  Cover for non pre-existing chronic conditions, from day one
  •  Drugs will be covered up to the pharmacy limits depending on the condition being pre-existing or non-pre-existing.
  •  Worldwide emergency medical assistance
  •  Dental cover (only available for plan 1&2) subject to waiting period
  •  Personal Accident cover (death by accident)
  •  Telephone support ‘wellbeing’ service

(*) It is very important that you fully declare any existing medical conditions on the application form. Any undeclared condition would remain uncovered throughout the policy year.

 

More Details

The success of your business depends also upon the health of your employees. Sickness absence is a crucial concern for all employers, especially in the current economic climate. So when it comes to health matters, is your company fully prepared for the unexpected?

The Health Secure series of medical insurance plans is specifically created to meet the needs of people living and working in the Gulf.

There are two sets of plans specifically designed for small and medium enterprises:

  • Health Secure Standard for businesses having up to 10 employees
  • Health Secure Enhanced for businesses having 11 employees up to 50 employees

Each plan offers 7 options to help you tailor your cover to suit the needs of your company. From the moment your organization takes out an AXA Health Secure plan you’ll have prompt access to the worldwide AXA network of high quality medical providers.

Why choose AXA Regional cover – Health Secure plans 4, 5 and 6?

Being our most popular plans, they cover you for treatment in North Africa and Middle East as well as the major trading nations of the Indian sub-continent and South-East Asia. Where Health Secure plan 4 features all the key benefits of the international plans, plan 5 and 6 will provide competitive, comprehensive cover and access to the best medical care available in your country of residence and beyond. Please refer to the complete table of benefits for more details.

 

Key Benefits

Health Secure 4, 5 and 6 - Regional cover

  • In-patient private hospital treatment
  • Out-patient consultations, treatments and diagnostics
  • Cover for any declared pre-existing conditions (whether chronic or not), from day one *
  • Cover for non pre-existing chronic conditions, from day one
  • Drugs will be covered up to the pharmacy limits depending on the condition being pre-existing or non-pre-existing
  • Worldwide emergency medical assistance
  • Dental cover (only available for plan 4) subject to waiting period
  • Personal Accident cover (death by accident)
  • Telephone support ‘Wellbeing’ service (only available for plan 4)

(*) It is very important that you fully declare any existing medical conditions on the application form. Any undeclared condition would remain uncovered throughout the policy year.

 

More Details

The success of your business depends also upon the health of your employees. Sickness absence is a crucial concern for all employers, especially in the current economic climate. So when it comes to health matters, is your company fully prepared for the unexpected?

The Health Secure series of medical insurance plans is specifically created to meet the needs of people living and working in the Gulf States.

There are two sets of plans specifically designed for small and medium enterprises:

  • Health Secure Standard for businesses having up to 10 employees
  • Health Secure Enhanced for businesses having 11 employees up to 50 employees

Each plan offers 7 options to help you tailor your cover to suit the needs of your company. From the moment your organisation takes out an AXA Health Secure plan you’ll have prompt access to the worldwide AXA network of high quality medical providers.

Why choose AXA Local cover – Health Secure plan 7?

Health Secure plan 7 is specifically designed for those who want the reassurance of quality health cover plus the security of a substantial overall annual benefit limit for high value treatment at a lower premium. Health Secure 7 is ideal for those who do not travel extensively outside their country of residence. Please refer to the complete table of benefits for more details.

 

Key Benefits

Health Secure 7 - Local cover

  • In-patient private hospital treatment
  • Out-patient consultations, treatments and diagnostics
  • Cover for any declared pre-existing conditions (whether chronic or not), from day one *
  • Cover for non pre-existing chronic conditions, from day one
  • Drugs will be covered up to the pharmacy limits depending on the condition being pre-existing or non-pre-existing
  • Personal Accident cover (death by accident)

(*) It is very important that you fully declare any existing medical conditions on the application form. Any undeclared condition would remain uncovered throughout the policy year.

 

More Details

The success of your business depends also upon the health of your employees. Sickness absence is a crucial concern for all employers, especially in the current economic climate. So when it comes to health matters, is your company fully prepared for the unexpected?

The Health Secure series of medical insurance plans is specifically created to meet the needs of people living and working in the Gulf States.

There are two sets of plans specifically designed for small and medium enterprises:

  • Health Secure Standard for businesses having up to 10 employees
  • Health Secure Enhanced for businesses having 11 employees up to 50 employees

Each plan offers 7 options to help you tailor your cover to suit the needs of your company. From the moment your organisation takes out an AXA Health Secure plan you’ll have prompt access to the worldwide AXA network of high quality medical providers.

Law No-11 of 2013- Mandatory Health Insurance in Dubai

  • We have just completed the third and final phase of the implementation which covers companies employing less than 100 employees; spouses and dependents and domestic workers. The first phase, which ended on 31st October 2014, covered companies employing 1000+ employees and the second phase, which ended on 31st July 2015, included companies with 100 – 999 employees.
  • Upon issue and renewal of employment visas, evidence must be provided that employers have insurance coverage for all their employees. This will ensure all companies are compliant with the new Health Insurance Law.
  • The law specifies the minimum level of benefits that must be provided in any health insurance plan offered within the Emirate of Dubai which is benchmarked by the Essential Benefits Plan.
  • The Essential Benefits Plan is available for staff holding a valid Dubai residency permit earning a gross salary of AED 4,000 or less per month.
  • As a qualified participating insurer, AXA is proud to provide you with affordable Health Insurance for all your employees
  • This plan is in line with the minimum level of benefits as mandated by law number 11 of 2013.
  • The cover includes In-patient and Out-patient treatments.
  • The plan covers your employees in the Emirate of Dubai and other parts of the UAE, where direct billing facility is provided and all around the UAE for emergency treatment.
  • Access to multilingual support such as (Arabic, English, Urdu, Hindi, Tagalog and Bengali).
  • Support from our skilled medical platform, 24 hours a day, 365 days a year.
  • AXA also provides other plans that are approved by the Health Authority of Abu Dhabi (HAAD) in the Emirate of Abu Dhabi.

Provide your details and our team of experts will advise you with tailored made solutions.

What is PBM, ePrescription and eAuthorization?

Pharmaceuticals Benefits Management (PBM) is used in the Abu Dhabi market whilst ePrescription and eAuthorization (eRx) is used in Dubai.

Both services offer:

  • Instantaneous online approval for medicines removing the need for manual pre-approval.
  • Improved clinical quality - within seconds the system checks the suitability of the prescription and dosage against the member’s unique circumstances.

These services are focused on improving healthy drug practices, reducing unnecessary, conflicting or excessive drug prescriptions to optimize health and safety standard.

What should I now expect when I visit a Physician/Doctor or Pharmacy?

  • Should you require a prescription in Dubai the treating physician/doctor will complete an ePrescription whereas in Abu Dhabi a standard prescription will be provided by the treating physician/doctor and the pharmacy will upload your prescription into PBM.
  • Once your prescription is entered into the system within seconds it will check if the prescription is appropriate for you and will provide the physician/doctor/pharmacy with an eAuthorization or a clear explanation for the reason for rejection. If rejected the physician/doctor/pharmacy can either amend the prescription or can contact AXA to discuss further. Should the rejection be due to the prescription being outside the scope of your insurance you would continue to proceed on a reimbursement/cash basis. Should the eAuthorisation have been provided by the treating physician/doctor they will provide you with an ePrescription to take to an AXA Pharmacy network provider. The AXA pharmacy network will enter the ePrescription reference into their system to have immediate access to the ePrescription and eAuthorization along with any rejection details.
  • The Pharmacy will then proceed to dispense the drugs accordingly without any further approval required.

What happens if the Physician/Doctor are unable to provide an ePrescription?

In some cases or in some regions should a physician/doctor be unable to provide you with an ePrescription they will provide a paper prescription which would then be converted into an ePrescription by the AXA pharmacy network provider. Should the pharmacy also face any issues they can contact us.

If a prescribed drug is rejected what should I do?

The physician would be provided with clear explanation of the rejection reason. Members are encouraged to ask their physician for the explanation. The rejection reasons are also available to the pharmacy should you wish to consult with them. If the prescription still remains recommended by your physician then the case will be subject to pre authorization by AXA as per existing approval process. Should the prescription be outside the scope of your insurance you can proceed on a self-pay basis.

How can I be sure that the service is providing the right clinical responses?

We are working closely with internationally renowned solution providers approved by the health regulators in the region to ensure the system meets the highest local and international regulatory standards.

AXA is committed to being attentive to the interests of its customers and to the requirements of the regulators and authorities. We believe in providing our clients with the best healthcare insurance services and delivering responsible medical prescribing practices for your health and safety.