Group Medical Plans

Alico is a provider of innovative health solutions and with our diverse product portfolio and decades of experience we can tailor-make group medical packages that will suit your company's needs whether it’s a small business, a medium sized company or a multinational corporation. We aim to provide comprehensive cover and an efficient claims servicing that will be of value when your employees need it the most.

With Alico, you can create Basic Plan packages that offer the following types of benefits to your employees:

In-Patient Benefits

1. Hospitalization Benefits: Daily Benefits (Room & Board)
2. Hospital Special Services
3. Emergency Accident and Hospital Out-patient Benefits
4. Intensive Care Benefits
5. Ambulance Transportation
6. Surgical Benefits
7. Doctor’s In-patient Visits
8. Maternity Benefits (if inclusion of Maternity is market practice)
9. Diagnostic x-ray and Laboratory Expense Benefits

Out-Patient Benefits

1. Clinical  Examination
2. Investigation services
3. Medicine & Treatment
4. Follow – Ups
5. Minor surgeries and day care
6. Doctor visit for out-patient, (General Practioner, Specialist,Consultant)
7. Maternity Benefits
8. Vaccination

Additional Benefits

1. Routine Dental Benefit and Comprehensive Dental Services
2. Routine Optical Benefit
3. In-Patient and  Out–patient Psychiatric Treatment
4. Medical Evaluation Benefit
5. Executive Medical check –ups
6. Maternity / Obstetrical

To Alico’s basic plan, employers can choose to add the following additional benefits

1. Major Medical and Comprehensive Plans : Comprehensive or Major Medical Insurance is intended to ease the burden of the large expenses that can arise from serious illnesses (both sickness and injury) of a non-occupational nature that may afflict an employee or his dependants.
2. Hospital Cash : A simple plan wherein a daily expense reimbursement is made for eligible expenses incurred during valid hospital stay
3. Dental Product : This plan can be customised to cover a specified list of services that are classified as follows                 
   1. Type 1 – preventative procedures : (e.g. exams, emergency treatment)                                                                            
   2. Type 2 – basic procedures                                                  
   3. Type 3 – major procedures (e.g. crowns, dentures)              
   4. Type 4 – Orthodontia
4. Optical 
5. Psychiatry 
6. Maternity plan 
7. Tele-medicine : The Insured will be entitled to receive an Additional Medical Opinion and / or Case Management Consultation under the Tele-medicine benefit for acute medical conditions that are complicated and serious.  The benefit will include:
   1. Teleradiology – Long distance secondary diagnostic interpretation of radiology images such as X-ray, CT Scan, MRI, etc.
   2. Patient Management Consultation (Treatment Planning) – Comprehensive opinion consultation from disease diagnosis to development of an appropriate treatment strategy for all major medical specialities and sub-specialities related to any aspect of medical condition under the Policy.  Cases may include radiology images and/or pathology slides as necessary.
   3. Pathology – Expert secondary interpretation of Pathology slides.
8. Assistance Services such as:
   1. Medical Assistance service provided through International service companies
   2. Telephone Medical Advice
   3. Medical Service Provider Referral
   4. Arrangement of Hospital Admission
   5. Evacuation and Repatriation
   6. Arrangement of Transportation of Mortal Remains

Alico can create wide ranging customised packages starting from Health Management Organisation (HMO) plans to VIP plans with each plan offering access to different types of provider networks, and facilities within these networks. As an employer, you can choose one or more plans for your organisation.

With each of the packages you select, we provide the Alico service promise which covers:

• A clear explanation of policy terms and a pledge to adjudicate claims fairly.
• Employee handbooks, orientation presentations and continuous education programs
• Access to the widest network of hospitals, clinics and doctors in the UAE
• Prompt and efficient payment of claims to employees and providers
• Competitive pricing, to ensure risk and premium are properly co-related
• Profit-share arrangements on large accounts through multi-national / regional pooling solutions
• Managed care focused on providing the best available care at the most reasonable prices, using the latest technology
• Case Management for large cases