Annual aggregate limit

It is per member, per policy year

The limit resets at renewal and applies to each member individually, not to the family or the company. A family of four on a plan with a AED 150,000 annual aggregate limit has AED 600,000 of cover between them, in four separate buckets that cannot be shared.

Sub-limits sit underneath it

The aggregate limit is a ceiling, not a promise. Underneath it sit sub-limits on the things clients actually claim: maternity, dental, optical, physiotherapy sessions, psychiatric treatment. A plan with a generous aggregate limit and a AED 7,500 maternity sub-limit is a modest maternity plan, whatever the headline number says.

Comparing limits honestly

The annual aggregate limit is the one figure on a table of benefits that sorts cleanly, which is exactly why it gets over-used in comparisons. Two plans at the same limit can differ on network, co-pay, waiting periods and half a dozen sub-limits. The limit tells you the worst case is covered; it tells you almost nothing about the ordinary year.