Shield Saver and Shield...

Shield Saver and Shield Saver Plus

Seamless access to a wide medical network with 0% co-pay virtual care and exclusive Aster Group discounts.
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Protecting Your Team, So Your Growing Business Can Thrive with Confidence

Designed for growing businesses, Sukoon Shield Saver and Shield Saver Plus offer affordable health insurance solutions for SMEs. Developed in partnership with Aster DM Healthcare, the plans combine comprehensive coverage with access to both in-person and virtual care. Employees can access a wide network of providers, including Aster DM hospitals and clinics, alongside digital health services through the MyAster app, such as unlimited virtual GP consultations and home delivery of medications. These plans are supported by an efficient claims process to ensure a smooth and reliable experience for both employers and employees

KEY BENEFITS

  • Access to the Aster group of clinics, hospitals, pharmacies, and other healthcare providers across the UAE
  • Waiver on co-pay and deductible for virtual GP journey through the myAster app
  • Discounts on popular non-covered procedures and surgeries
  • Available for Dubai and Northern Emirates visa holders
  • Pharmacy limit from AED 7,500 to AED 10,000
  • No minimum salary cap

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 is 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 Specialists
Pre-existing and Chronic Conditions
Covered, subject to a 6-month  waiting period applicable for first scheme enrolments and members without COC
Covered, subject to a 6-month waiting period applicable for first scheme enrolments and members without COC
Co-pay for Virtual care on the 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: 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
Co-pay for In-facility outpatient 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 inpatient 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 10,000; 10% Co-pay applies on all IP & OP Treatment
Maternity complications & C-Section - AED 10,000; Normal delivery – AED 10,000; 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 that you be familiar with, verify all terms and conditions, limitations and exclusions, and premiums with the preferred insurance company/quotation to make a firm decision. In case of any discrepancy between this document and the official quotation, the insurer's formal quotation would prevail.

Product Resources

For more information, please refer to the product resources listed here.

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Contact Us

  • APPLY BY PHONE

    Call us at 800 SUKOON (785666) for more information and to enroll over the phone.

  • APPLY BY EMAIL

    Drop us an email at service@sukoon.com to buy your plan online with ease.

  • APPLY IN PERSON

    Walk into our branches in person, to get information, apply, and enrol.

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