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Our standard terms cover sailing/trading across whole of the Arabian Gulf with restrictions such as sailing around Iran. We will be happy to extend the sailing limits further if you require. -
Jet skis, tenders and other nautical toys are covered under our comprehensive yacht terms. These include third party coverage for passengers and hull damage cover for jet skis. However, under a standalone Jetski policy, only third-party liability and personal accident are covered. -
We offer comprehensive cover for all types of yachts, boats and pleasure craft vessels. -
Yes it will be covered if your plan includes a 'transit clause'. While buying the plan, do mention the requirement to our underwriters.
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Definitely. You can use eCards for visa stamping. -
No, you cannot use your Emirates ID outside the UAE since the international direct billing is managed by our network partner MSH International. They will require eCards to validate your eligibility. -
Here's how it works. Non-network access is always subject to the terms and conditions of your policy. You will have to pay the whole cost of the treatment and then apply for reimbursement. Your claim shall be settled as per the terms and conditions of your policy, after applying any non-network deductibles.
In the case of elective hospitalisation, you need to make sure that you inform us before you get admitted.
If the procedures or investigations during any outpatient visit in a non-network hospitalisation might exceed AED 500, you will need to get the necessary prior approval from us.
In case of emergencies, please call our helpline 800 SUKOON (785666) as soon as possible for all required details. -
You cannot change the extension plan you have purchased. We encourage you to choose wisely when selecting the plan from available options.
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All your family members enrolled under your existing health plan must be included in the upgraded plan to ensure seamless services and customer experience.
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You can purchase one of the extension plans only if your employer has selected the Health Extend product. The extended covers cannot be purchased on standalone basis.
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Yes, you can access a wider range of best-in-class hospitals from Extension 2 plan onwards.
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You can reach out to your Relationship Manager at Sukoon. Alternatively, call us on our toll-free number 800 SUKOON (785666). Kindly note our working hours are from Monday to Friday 8 am to 8 pm and Saturday 8 am to 5 pm.
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Once an insured company opts for a plan for their employees, they will be given an option to extend their protection to include more covers and benefits. Members will receive an email with a link allowing them to choose additional coverage they need. Based on their selection, the system will give them an indicative pricing. Our customer representative will then contact the client and share a link to make the payment and start the cover.
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The premium will be charged to you and all your eligible family members. The charge is calculated on a pro-rata basis based on your enrollment date under your employer’s policy.
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You can enhance your existing coverage with Health Extend within 30 days following your enrollment to your employer’s policy. Unfortunately, anyone who has enrolled to their employer’s policy in the last three months will not be eligible for the upgrade.
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You can view the Table of Benefits on mySukoon mobile app. It is available for download on Google Play Store and Apple’s App Store.
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Any authorised treatment you take outside Sukoon’s medical network will be eligible for reimbursement coverage. This includes wellness check-up, dialysis, circumcision, enhanced vaccination, and optical treatment.
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Based on the plan chosen by an employer, the insured company’s employees and their nominated family members for the plan are eligible to enroll for Health Extend.
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Your health insurance policy already provides you with adequate coverage even if you were not to avail our enhancement options. The upgrades that come with Health Extend will give you the freedom to customize your health insurance as per your own specific needs. The product aims to maximise your satisfaction at market-competitive pricing.
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Unfortunately, no. The member who purchases the extension plan will not get a refund on the premium in case of deletion from the employer policy.
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You should be fine even if you don't have your physical medical card with you. Healthcare providers across the UAE have access to our online platform where they can validate your insurance details using your Emirates ID or your eCard that's available on the mySukoon portal and mySukoon mobile app (available on Google PlayStore and Apple App Store). For your ease, we advise you to download and save the eCards to your mobile phones.
International direct billing is managed by our network partner MSH International. They too can validate your eligibility with your eCard.
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It's a simple process. To update your Emirate ID, please log in to the mySukoon portal and go to the ‘Update KYC’ tab under Policy Servicing. -
Don't worry, it's a quick and easy process. To register on mySukoon, please click here. You will need to enter your email address, UAE registered mobile number, date of birth, Emirates ID or medical insurance card number to register.
Your medical insurance card number was shared as part of the onboarding email sent to you from noreply@sukoon.com. If you are unable to find it, kindly contact your HR or insurance coordinator. Alternatively, you can call us on our toll-free number 800 4746 and get your card number after verifying your identity. Kindly keep your passport copy ready before making the call, as the executive may request for these details to validate your identity.
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Healthcare providers have access to our exclusive online platform, where they can validate your insurance details using your Emirates ID or eCard. Your eCard details are available on the mySukoon portal and mySukoon mobile app. For your ease, we advise you to download and save the eCards on your mobile phone. -
Don't worry, you can use your physical card until its expiry date if you wish. In case you forget to carry the card at any time, you can use your Emirates ID or show your eCard to avail our direct billing services. Just note that for your Emirates ID to work, it should be registered with us. To register, you can log into mySukoon portal and update your details. -
That usually depends on the type of network cover allotted to you. It will be mentioned on your Sukoon Health card. Based on this, you can access the full list of healthcare providers through the Sukoon website - https://medicalnetwork.sukoon.com/ or with the insurance coordinator / HR dept. of your company. -
Your medical insurance card number was shared as part of the onboarding email sent to you from noreply@tameen.ae. If you are unable to find it, kindly contact your HR or insurance coordinator. Alternatively, you can call us on our toll-free number 800 SUKOON (785666) and get your card number after verifying your identity. Kindly keep your passport copy handy before making the call, as the executive may request for these details to validate your identity. -
Yes, of course you can, as long your new-born is enrolled in the policy. Once enrolled, the primary insured (the father or the mother), can generate the eCard for the baby through his or her mySukoon account. -
No, they are not linked. You will need to renew each one separately. -
The coinsurance or co-pay is the percentage or amount you will need to pay the hospital or healthcare provider for all services that are covered under your policy. In your case, you will need to pay 20% of the total bill from your side. -
No, you don't. As it says, the deductible/co-pay is applicable only for consultation. Hence you need to pay the mentioned amount only for that service. You don't need to pay anything from your side for any of the other covered services. -
mySukoon is a mobile app exclusively available to all our customers. The app is available on the Apple App Store and the Android Play Store as ‘mySukoon’.
The app allows you to submit and track your reimbursement claims, find the network providers closest to you, generate the eCard for yourself and your dependents. The login details for the app are the same as those for the mySukoon portal. -
Brokers, the policyholder and the insured members have access to mySukoon to generate the eCard. If you are a broker or policyholder, then kindly contact your Relationship Manager for your mySukoon access, if you don’t have an account already. Insured members can register themselves instantly using their email address, UAE registered mobile number, date of birth, Emirates ID or healthcare insurance card number. -
Please email us on service@sukoon.com or call our toll-free number at 800 SUKOON (785666). Our agents will be available to assist you from 8.00 am to 8.00 pm Monday to Friday and from 8.00 am till 5.00 pm on Saturdays. -
No, of course not. Even if your Emirates ID is no longer valid, you can use your eCard, that's available on the mySukoon portal or the mySukoon mobile app, for eligibility verification with the network provider.
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Kindly check your policy terms and conditions or reach out to your Relationship Manager to confirm.
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The information on this website is based on Sukoon’s interpretation of the CRS regulations and we make no claims about its accuracy, completeness, or up-to-date character, and that applies to any site linked to this website as well. The information contained on this website does not constitute any form of legal advice or tax advice.
Nothing on this website should be viewed as tax advice nor as a substitute for the advice of a competent attorney. The information on this site is not intended to be used for the purpose of avoiding compliance with the CRS regulations.
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The authorized signatory can provide the certification on behalf of the entity/controlling person as the CRS self-certification form is required for the account holder only. The authorized signatory will be reported if he/she maintains a separate account with Sukoon and if he/she is a tax resident in one or more of the participating jurisdictions. -
We will be unable to establish your tax residency as per the CRS regulations. We shall use the information held on our records to determine whether you may be tax resident outside the UAE and report them accordingly to the UAE Ministry of Finance. We encourage you to complete and return the form, so as to ensure that reporting decisions are based on accurate information. -
FATCA requires information to be reported about US persons, including US citizens and residents, whereas, CRS requires financial institutions to report the policy/account and 'tax residency' information of all reportable persons (a tax residency concept, regardless of citizenship). -
Information needs to be provided once at the time of policy/account opening. The customer is required to provide an updated form, in case of change in customer circumstances, which may indicate a change in tax residency status. -
All financial institutions regulated in the UAE, including banks, custodians, insurers and asset managers are required to be compliant with the CRS. -
The tax residency status of all customers should be identified and all accounts should be classified. Although customers may be residents in the US, they may also be tax residents in other jurisdictions. -
• Determine and monitor the tax residency status of the individual or entity based on management and control and / or incorporation
• Tax residency of an individual or entity is not fixed
• Multiple tax residencies are possible in the same year
• Different tax residencies in subsequent years -
Customers may be tax resident in more than one jurisdiction depending on their circumstances. You should list all jurisdictions in which you are treated as tax resident and provide the tax identification number for each one. Please contact a professional tax advisor or check the OECD website for more information on how to determine your tax residency, as Sukoon cannot provide any tax advice. -
There is a possibility that certain countries do not issue Tax Identification Numbers. In such a case, a customer is required to provide details as to why it has no TIN in the self-certification.
Jurisdictional guidance on TINs (or functional equivalents) may be found on the OECD website.
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In line with the CRS requirements, we will ask you for your:
- Name
- Address
- Country(ies) of tax residence
- Taxpayer identification number(s) of each identified tax residency
- Place of registration/incorporation (for Entities)
- Entity Type (for Entities)
- Controlling Person Type for certain Entity Types:
- Date of Birth
- Place of Birth
- Residence Address
- Country(ies) of tax residence
- Taxpayer identification number of each identified tax residency -
The information provided to the tax authorities will include the following details:
- Name
- Address
- Jurisdiction(s) of tax residence
- TIN(s)
- Name of the reporting financial institution
- Account number
- Account balance
- Gross amount paid to the account in a year (interest, dividends, other income)
- Gross proceeds paid or credited to the account
Additional information for individual accounts and Controlling Persons may include:
- Date of birth
- Place of birth -
You must notify Sukoon within reasonable time if there is any change in circumstances regarding your tax status, and provide an updated self-certification declaration on a dedicated form. -
For entities, this is typically where the entity has an obligation to file a tax return or is liable to pay income or corporation taxes. This may be determined by where the entity is incorporated, but there are other determining factors, based on each jurisdiction's tax residency rules.
Please note that Sukoon is not authorized to provide any tax advice to customers. Therefore, we suggest you to contact a tax advisor. Additional information may also be found on the OECD website.
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The Common Reporting Standard (CRS) is a global standard under OECD (Organization for Economic Co-operation and Development) for automatic exchange of financial account information for tax purposes. CRS is a global version of FATCA and the UAE Ministry of Finance has committed to implementing the CRS guidelines, starting 1 January, 2017. The CRS regulations require financial institutions such as Sukoon or any of its affiliates , to collect and report certain information about a policyholder's current tax residency, policy/account information and information about its Controlling Persons, as mandated by the concerned UAE authority. The concerned UAE authority may then share this information with the tax authority where you are tax resident. -
CRS is a mandatory requirement of our policy/account opening procedure. In case you do not want to provide the required information then we will not be able to process your policy request for dealing with Sukoon. -
For further information on your tax residency, please refer to the rules governing tax residence that have been published by each local tax authority. You can also find out more at the OECD website. -
The CRS provides that an Entity's status as a Financial Institution or non-financial entity (NFE) should be resolved under the laws of the Participating Jurisdiction in which the Entity is resident.
If an Entity is resident in a jurisdiction that has not implemented the CRS, the rules of the jurisdiction in which the account is maintained determine the Entity's status as a Financial Institution or NFE, since there are no other rules available.
When determining an Entity's status as an active or passive NFE, the rules of the jurisdiction in which the account is maintained determine the Entity's status. However, a jurisdiction in which the account is maintained may permit (e.g. in its domestic implementation guidance) an Entity to determine its status as an active or passive NFE under the rules of the jurisdiction in which the Entity is resident, provided that the jurisdiction in which the Entity is resident has implemented the CRS.
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Under the CRS, tax authorities require financial institutions such as Sukoon to collect and report certain information relating to their customers' tax statuses.
If you open a new account/policy, invest in new financial products or change your circumstances in some way, we will ask you to certify a number of details about yourself. This process is called 'self-certification' and we are required to collect this information under the CRS.
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Sukoon will respect your data privacy. We will only disclose your information to the relevant tax authorities if we are legally required to do so. -
The CRS regulations require Sukoon, to collect and report information, as mandated by the concerned UAE authority. The concerned UAE authority may then share this information with the tax authority where you are tax resident.