If you’re looking for an affordable health coverage to help attract and retain employees at your SME, then look no further.
In partnership with Aster DM Healthcare, we bring to you Shield Saver and Shield Saver Plus, two new health insurance products designed to provide comprehensive coverage and meet the demands of affordable in-person and virtual care.
With these plans, employees will have access to a wide healthcare provider network, including Aster DM hospitals and clinics. They will also be able to make use of MyAster, a digital health app providing unlimited virtual GP consultations, home delivery of pharmaceuticals, and much more. Plus, with an effective claims process, the plans offer nothing short of delight for you and your employees.
Download myAster app
Key Highlights
| Cover | Shield Saver | Shield Saver Plus |
| Territory for Elective & Emergency | UAE, SEA, AC, Home country covered within basic territory for I/P Treatment only | UAE, SEA, AC, Home country covered within basic territory for I/P Treatment Only |
| Indemnity Limit (IP & OP) | AED 150,000 PPPA | AED 200,000 PPPA |
| Medical Providers Network Subject to ongoing changes. Online at www.sukoon.com | Secure Network *OP access to Clinics only. *Subject to GP referral for Specialist | Secure Network *OP access to Clinics & Hospitals * Direct Access to Specialist |
| Pre-existing and Chronic conditions | Covered, subject to 6 months waiting period applicable for first scheme enrolments and members without COC | Covered, subject to 6 months waiting period applicable for first scheme enrolments and members without COC |
| Co-pay for Virtual care on myAster app | ||
| General Practitioner | Consultation: 0% Copay; Lab and diagnostics: 0% Copay; Pharmacy at home: 0% Copay | Consultation: 0% Copay; Lab and diagnostics: 0% Copay; Pharmacy at home: 0% Copay |
| Specialist | Consultation: 10% Copay; Lab and diagnostics: 10% Copay; Pharmacy at home: 10% Copay; *Subject to GP referral | Consultation: 10% Copay; Lab and diagnostics: 10% Copay; Pharmacy at home: 10% Copay; *Direct Access to Specialist |
| Co-pay for In-facility out-patient care | ||
| Aster Clinics and Hospitals | Consultation – GP / Specialist 10% co-pay; Lab and diagnostics: 10% co-pay; Pharmaceuticals: 10% co-pay; Physiotherapy: 10% co-pay; *Subject to GP referral – for Specialist *Applicable to Aster clinics only | Consultation – GP / Specialist 10% co-pay; Lab and diagnostics: 10% co-pay; Pharmaceuticals: 10% co-pay; Physiotherapy: 10% co-pay; * Direct Access to Specialist *Applicable to Aster clinics and hospitals |
| Other Network Providers | Consultation – GP / Specialist 20% co-pay; Lab and diagnostics: 20% co-pay; Pharmaceuticals: 20% co-pay; Physiotherapy: 20% co-pay; *Subject to GP referral – for Specialist *Applicable to clinics only | Consultation – GP / Specialist 20% co-pay; Lab and diagnostics: 20% co-pay; Pharmaceuticals: 20% co-pay; Physiotherapy: 20% co-pay; * Direct Access to Specialist *Applicable to clinics and hospitals |
| Co-pay for In-facility in-patient care (Hospitals) | ||
| Aster Clinics and Hospitals and Other Network Providers | Coinsurance: 20% with AED 500 max. Co-pay per encounter. Annual aggregate max. Co-pay: AED 1,000 | Coinsurance: NIL; Annual aggregate max. Co-pay: NIL |
| Other Benefits | ||
| Maternity | Maternity complications & C-Section - AED 10,000; Normal delivery – AED 7,000; 10% Co-pay applies on all IP & OP Treatment | Maternity complications & C-Section - AED 10,000; Normal delivery – AED 7,000; 10% Co-pay applies on all IP & OP Treatment |
| Pharmacy – *Formulary medications only | Covered up to AED 7,500 | Covered up to AED 10,000 |
| Physiotherapy | Physiotherapy Covered up to 6 sessions | Covered up to 10 sessions |
*Subject to exclusions list
* Note that the analysis is in brief form. We strongly recommend you to be familiar with, verify all terms and conditions, limitations and exclusions and premium with preferred insurance company/quotation to make firm decision. In case on any discrepancy between this document and official quotation, the insurer's formal quotation would prevail.
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Apply by Phone
Call us at 800 SUKOON (785666) for more information and to enrol over the phone.
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Apply by Email
Drop us an email with all your details and we'll get back to you soon.
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Apply in Person
Walk into one of our branches to get information, apply, and enrol in person.