Orient EmbryoCare FAQs

Our 'Frequently Asked Questions' section is here to save you time in finding the answer you want. However, please make sure you also read the key features summary and policy documents to ensure you fully understand the cover provided by this policy. 

If you have any other questions or concerns please contact us on Toll Free 800-ORIENT (674368) or orient.service@alfuttaim.com

Security
Policy
Emergency
General
Medical
Age
Residency
Cancel
Security Information
Is it safe to put my personal details online?

Yes. Whenever we ask you for personal information, we do so within a secure environment and all details sent between your device and our website are encrypted.

Policy Arrangements
Can I change my policy?

If you move house, change your name, find that we have recorded your date of birth incorrectly or have another change to your circumstances then please call us on Toll Free 800-ORIENT (674368) or email us at orient.service@alfuttaim.com and we'll adjust your policy.

How do I renew my policy?

No renewal is required. Once your premium has been paid the policy automatically continues until expiry when your child is 2 years of age.

How do I pay for my policy?

A one time single premium payment is all that's required.

How accurate does the information I give you need to be?

In deciding whether and how to underwrite this policy, we rely on information provided in the Application Form and any other presentation, statements, declarations or information provided in relation to your application, including information provided by any Medical Practitioner / Specialist.

If any of the information provided is not true or incomplete then, depending on the circumstances in which the information was provided, we may:

• change the terms and conditions of your policy;

• change the premium payable; or

• cancel your policy and treat it as if it never existed.

If you have any concerns whatsover about this then please contact us immediately on Toll Free 800-ORIENT (674368) or orient.service@alfuttaim.com

Does the policy have a 'cash in' value'?

This policy does not acquire a surrender or 'cash in' value and no premiums are refundable at expiry.

What 'conditions' are not covered?

The policy does not cover:

1. Other conditions meaning any conditions, illnesses or disabilities which are not listed in the table of Diagnosed Covered Conditions in the policy certificate.

2. Self-inflicted injury meaning death or injury resulting directly or indirectly from the Insured Person’s parent or that of any carer’s criminal activity, intentional actions, or self-injury.

3. Specially excluded Conditions meaning where your claim is excluded by any Special Condition or other Additional Exclusion or where Diagnosed Covered Condition are removed as stated in the Schedule or detailed in any Mid-Term Adjustment issued after this policy has been sent to you.

4. Unreasonable failure to seek or follow medical advice meaning the Insured Person’s mother’s failure to seek or follow medical advice.

How do I claim?

In the event of a claim you should notify Orient as soon as possible.

Can I make more than one claim?

Yes, if your child is diagnosed with more than one of the Diagnosed Covered Condition listed in the policy certificate.

When should I apply for cover?

You should apply as soon as possible after your 20 week scan. If your application is accepted you can start cover at any time between the date of your clear 20 week scan and the end of the 29th week of your pregnancy.

Emergency
Do I have to pay medical expenses?

In the event of a valid claim, the policy will pay the policyholder the benefit amount. It is up to you to choose what the benefit is spent on.

What if I have a medical emergency?

Please use the emergency services as normal and contact us as soon as possible thereafter.

How do I claim?

In the event of a claim you should notify Orient as soon as possible.

General Cover Questions
How long is my child actually covered for?

Cover starts on the inception date of the policy, and continues until the child’s second birthday.

Will my private medical cover be sufficient?

We suggest that you check this carefully as the cover usually relates to treatment and not the many other costs you may incur.

What if everything I need is provided for by the Government hospital?

The product is designed to complement the Government hospital, not to replace it. You should still undergo treatment as advised by your hospital doctor(s) and the benefits provided under this Policy are meant to assist with any additional costs you will incur, such as extended time off work to care for your child - amongst many other unforeseen costs.

What are the benefits under the policy?

Each condition has its own fixed benefit amount shown in the product information and policy certificate. This is paid to the policy holder upon the child being diagnosed with one or more of the covered conditions.

What is a covered condition?

The conditions for which a benefit is payable include: cerebral palsy; congenital heart disease; congenital deafness; cancer; epilepsy; cystic fibrosis; cleft palate; congenital cataract; congenital blindness; cleft lip; developmental dysplasia of the hip; club foot, diabetes mellitus and death by any cause. Down's syndrome can be included as an optional extra.

Who are the benefits paid to?

Payments are made in the name of the policy holder - the mother.

Who can insure my baby?

We provide cover to the natural mother. Subject to the agreement of our underwriters, we can also cover surrogate and adopting parents.

What can I use a claim payment for?

Benefits payable can be used in whatever way you wish. This might include medical treatment not covered by the Government hospital or medical insurance, house remodelling or loss of earnings due to a parent having to stay at home. The choice is entirely yours.

Am I covered if I move outside the UAE either temporarily or permanently?

Yes, subject to the terms and conditions specified in the policy and key features documents. Please let us know your new address and if you need to claim then please follow the usual procedures explained in our FAQs and in the policy certificate.

Who can pay the premium?

Anyone you choose can pay the premium. For example, its fine for parents and grandparents of the mother to help out...

Who are EmbryoCare?

The board of EmbryoCare includes Dr John Fysh (Chief Medical Officer). Dr Fysh has had a distinguished career and is currently a consultant at the Portland Hospital in London, a Fellow of the Royal College of Paediatrics and Child Health and the Royal College of Physicians.

Leading the company is Jamie Moyes, our founder and Chief Executive Officer.

Medical Conditions
I have a medical condition, can I be covered?

Some conditions can be covered without referral so please complete our online application form. If we need more information then you will be asked for the information within the application. Your application will then be referred for action and you will usually hear the result within 48 hours.

What happens if I am having twins / triplets?

In the case of twins, we are pleased to confirm that cover is available if you buy a policy for each of your children. You cannot buy for just one as we shall not know which one is covered. Please therefore buy two policies, one at a time, to cover each child. Each child will have their own policy and full cover in their own right. Different policy numbers will be issued to you for each. After the children are born we shall contact you to add your chosen names to their individual policies. In the case of more than two births - we unfortunately cannot provide cover at this time.

I am not sure about the medical history of my mother / father. Can I still apply?

Don't worry, we only need to know about the medical history of the mother and father of the baby you wish to insure. We do not need any information about their parents!

How can I remove the additional premium payable for Down's syndrome?

It is now possible for an expectant mother to be tested for Down’s syndrome well before the 20 week scan. As Down’s syndrome is a higher risk to insurers (particularly for older mothers), it can result in an expensive premium.

Mothers may choose to pay for the test as a cheaper option than the Down’s syndrome insurance extension. For those that wish to insure this condition we offer cover at additional cost - please just add this selection to your quote.

Can I get cover if my 20 week scan is not clear?

This will depend very much on the condition and as every pregnancy is unique please complete the application and we shall get back to you, usually within 48 hours.

What 'conditions' are not covered?

The policy does not cover:

1. Other conditions meaning any conditions, illnesses or disabilities which are not listed in the table of Diagnosed Covered Conditions in the policy certificate.

2. (i) Consuming more than 14 units per week of alcohol. (ii) Taking an overdose of drugs, whether lawfully prescribed or otherwise. (iii) Taking Controlled Drugs other than in accordance with a lawful prescription.

3. Specially excluded Conditions meaning where your claim is excluded by any Special Condition or other Additional Exclusion or where Diagnosed Covered Condition are removed as stated in the Schedule or detailed in any Mid-Term Adjustment issued after this policy has been sent to you.

4. Unreasonable failure to seek or follow medical advice meaning the Insured Person’s mother’s failure to seek or follow medical advice.

What is a clear 20 week scan?

A clear 20 week scan is one where you were not informed by the sonographer, consultant, midwife or other medical professional of any issues or abnormalities at or following the scan.

Age
How old can I be and still buy cover?

You can still purchase Orient EmbryoCare right up until the mother’s 50th birthday.

I am under 18 - can I buy your policy?

The mother has to be over 18 years of age at the time of purchase in order buy a policy.

Residency
I am UAE resident but my partner is not, can we apply for the policy ?

The policy holder is the mother only so as long as you are resident in the United Arab Emirates (UAE) you can buy the policy.

I live overseas. Can I buy this insurance from you?

Currently, only United Arab Emirates (UAE) residents can buy insurance from this website.

Countries where cover is provided

This policy is applicable to individuals holding resident visa of United Arab Emirates (UAE) as well as the nationals of UAE. In the case of expatriates returning to their home country for delivery, the policy will remain valid and there is no need to notify us. In case of change of residency outside the UAE, the policy will remain valid (except for the following countries: Crimea, Cuba, North Korea, Sudan, Syria, Iraq, Iran, Yemen, Afghanistan and Palestine), provided an intimation of such a change is made to and acknowledged by the Company.

 

Cancel
How can I cancel the cover?

If you have paid a single premium to us then the following applies:

You have a right to cancel this policy within thirty (30) days of the Commencement Date.

To exercise this right, please contact Orient by post, telephone or e-mail as soon as reasonably practical. We will repay any premium you have paid, free of any charges within thirty (30) days of receipt of your cancellation instruction, unless you have made a claim or fraud is involved in which case no premium will be refunded.

You may cancel this policy at any time after the thirtieth (30th) day after the commencement date of this policy by writing to Orient. Any return premium due will be calculated in accordance with the terms and conditions stated in the policy and key features documents (depending on how long the policy has been in force), unless a claim has been made, in which case no refund is payable.

 

If you have been paying regular premiums to us then the following applies:

You have a right to cancel this policy within thirty (30) days of the Commencement Date. If you do cancel within this period we will refund any premium you have paid unless you have made a claim or fraud is involved in which case no premium will be refunded. To exercise this right, please contact orient by post, telephone or e-mail.

You may cancel this policy at any time after the thirtieth (30th) day after the Commencement Date of this policy by writing to Orient. If you cancel this policy after thirty (30) days we will not refund any premium you have already paid towards your policy.

Get in touch with us today

orient.service@alfuttaim.com Toll Free 800-ORIENT (674368) Apply now >

An Al Futtaim group company. Registered under Federal Law No. (6) of 2007, Certificate No.14 dated 29th December 1984, Commercial Registration 51814.

 

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