Cover & Networks
Major medical cover, core to every plan. Networks, limits, coinsurance and electives — shaped around each client.
Where most policies quietly fall short, OpenX delivers in full.
Comprehensive coverage for diagnosis, treatment and follow-up — no unrealistic sub-limits, no exceptions for advanced therapies.
Inpatient procedures, donor costs and post-operative care included as standard. No restrictive sub-limits.
Long-term dialysis covered in full — no annual session limits, no benefit ceilings designed to push members out.
Conditions present from birth — including those identified later in life — covered with no exclusions or exceptions.
Every newborn added to the group policy at the going age-banded rate. No medical questionnaires, no day-30 cliff, no extra loading.
Road traffic accidents, sports and recreational injuries are all covered — not buried in a sub-clause.
Some of the benefits that stand out.
OpenX is built for choice. Four standard tiers — from value to top — plus three Open Network variants in between, all served by the NAS network across the UAE and the wider GCC.
Beyond the GCC, every plan extends through Medigo's global direct-billing network — providers across 128+ countries.
The most economic tier — value-band providers, the essentials handled, full IPMI cover at the gentlest premium.
A broader provider list — recognisable mid-band hospitals and clinics, without paying for the very top of the market.
Most of the leading hospitals and clinics — the names members already know and trust, without going to the very top tier.
The full panel — the most premium hospitals and clinics, no rate-based restriction on which provider a member can choose.
A single OpenX policy can place different staff cohorts on different network tiers — your C-suite on CN, your senior team on GN, your wider workforce on RN — all under one master contract. One renewal, one HR dashboard, the right tier of access for each part of the team. The policy bends to the org chart, not the other way round.
How OpenX Open Network variants let members reach higher-tier providers — without paying higher-tier premiums.
All three open direct-billed access in the higher-tier networks — at NAS-discounted rates, no upfront payment, no claim form.
Open Network coinsurance applies to outpatient costs only.
Not applicable to inpatient, day-patient, pharmacy, dental or optical — those remain fully covered on every Open Network variant.
A member on RN needs an outpatient consultation. Their doctor is at Kings College or Mediclinic — both GN providers, one tier above. Here is what each scenario costs.
Every OpenX plan — whatever the network, whatever the size — comes with the full stack of services, support and wellness as standard. Nothing here is an upsell.
The full digital health platform — doctor 24/7, mental health, AI vitals, wearables, rewards. Standard on every plan.
Chronic Disease Management Programme with personalised care pathways. Included on every network.
Unlimited sessions with qualified therapists via Wellx. No annual cap, no clinical hoops.
Connect 24/7 with nothing to pay and get prescription medicines delivered to your door.
Cashless direct-billing for hospitalisations outside the GCC. No upfront payment, no claim forms.
Emergency assistance, evacuation and repatriation worldwide. The call you hope to never make, answered every time.
Most groups fall into one of three shapes. Here is where we'd typically point them — though every quote is built around the actual demographic, budget and benefit ambitions of the team.
A broad, recognisable provider list covers the day-to-day without paying for the top of the market. RN-Open lets a member reach a higher-tier provider when needed, with a small outpatient coinsurance.
One master policy, different tiers per cohort. The leadership team gets the full panel; the wider workforce gets strong, value-led tiers. One renewal, one HR view, no policy fragmentation.
Access to the most premium hospitals and clinics — no coinsurance, no tier mechanics, nothing for the member to think about at point of care.
OpenX plans are highly customisable, with a full, tailored Table of Benefits included in every quote issued through your broker.
Find a provider with AI search. View insurance e-cards and contact support details. File a reimbursement claim. All in the same OpenX app that delivers the wellness layer below.
Wellx is the other half — the wellness engine built into every OpenX plan.