Terms and conditions

Terms and Conditions

    • This card is non-transferable and no more than one card can be owned by one person.
    • Balsam Membership Card is valid for use throughout its period of validity, and becomes invalid if tampered with, damaged or broken, and in this case or the case of its loss, the owner is granted a new card – replacement fees apply.
    • Card is non-transferable, and value cannot be redeemed or transferred to others.
    • Balsam Membership Card is covered under the governing laws of the United Arab Emirates.
    • Loss, damage or theft of the card must be reported directly to the Balsam office by emailing:
    • Balsam health services reserves the right to modify the terms and conditions from time to time, without prior notice and at the sole discretion of the Balsam Membership Card Members and partnering merchants.
    • Balsam health services is not responsible for the business operations of the partnering merchants or their level of service and/or level of satisfaction by the card holder in respect to delivery, pricing and quality of goods and terms provided by the partnering merchant.
    • Balsam health services reserves the right to amend the discount, and or offers without any notice.
    • The availability of offers, products and services advertised on the card is the responsibility of the participating merchants.
    • Offers and discounts provided by the partners are displayed on
    • Listed offers or discounts are exclusively for cardholders, offered by partners contracted with Balsam Membership only.
    • Offers and discounts advertised on the official website of the card are subject to change without prior notice.
    • Offers and discounts vary from each Balsam Membership partner.
    • Cardholders must present Balsam Membership Card in addition to emirates ID or Passport copy to partners in order to acquire the available offers and/or discounts, while the responsibility for the provision of offers and discounts remain the responsibility of Balsam Membership partners.
    • Offers and discounts from each Balsam Membership partner cannot be used with any other offer partner might have.
    • All the available information on the Balsam Membership website is correct and valid at the time of writing. The website is updated daily and should be checked regularly to stay updated on the latest information.
    • Second medical opinion terms and conditions apply when using Balsam health services second medical opinion services.


Payment Terms and Condition

    • Any dispute or claim arising out of or in connection with this website shall be governed and construed in accordance with the laws of UAE.
    • United Arab of Emirates is our country of domicile.
    • Minors under the age of 18 shall are prohibited to register as a User of this website and are not allowed to transact or use the website.
    • If you make a payment for our products or services on our website, the details you are asked to submit will be provided directly to our payment provider via a secured connection.
    • The cardholder must retain a copy of transaction records and Merchant policies and rules.


Method of Payment

    • We accept payments online using Visa and MasterCard credit/debit card in AED and USD
    • Balsam Health services will NOT deal or provide any services or products to any of OFAC (Office of Foreign Assets Control) sanctions countries in accordance with the law of UAE”.
    • Multiple shipments/delivery may result in multiple postings to the cardholder’s monthly statement.


 Privacy Policy:

    •  All credit/debit cards details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties. 
    • The Website Policies and Terms & Conditions may be changed or updated occasionally to meet the requirements and standards. Therefore, the Customers’ are encouraged to frequently visit these sections in order to be updated about the changes on the website. Modifications will be effective on the day they are posted.
    • Some of the advertisements you see on the Site are selected and delivered by third parties, such as ad networks, advertising agencies, advertisers, and audience segment providers. These third parties may collect information about you and your online activities, either on the Site or on other websites, through cookies, web beacons, and other technologies in an effort to understand your interests and deliver to you advertisements that are tailored to your interests. Please remember that we do not have access to, or control over, the information these third parties may collect. The information practices of these third parties are not covered by this privacy policy.


Refund and Cancellation Policy

    • In the event that transaction error has occurred through the absolute fault of Balsam UAE, a refund will in most cases be issued to the same credit card you used for the original purchase.
    • All Balsam health services payments is non-Refundable, cancellation is not applicable.

Whether you have insurance coverage or not, you are sure to make use of the discounts and services this unique membership provides you. You can now choose from a vast network of top healthcare providers both within the UAE and abroad for your health and wellness needs.

Discounted and free services include, but are not limited to: consultations, treatments, dental, optical, maternal services, psychiatric care, cosmetic procedures, executive check-ups, medical travel, gyms, spas, and much more.

Your Balsam Membership provides you with exclusive free services and discounts as high as 70% OFF. Even more, no pre-approval is required, you have no annual limit, and all services are covered.

Parental Benefits; Applicable for parents living outside the UAE

You never have to worry about how you will share or where to find your and your loved ones’ radiology images again. With your personal tele-radiology account, you will now easily be able to store, access, and send your radiology images to expert personnel wherever they are, allowing for an immediate and remote diagnosis of the situation.

In addition, your chosen physicians will be able to easily compare previous scans with more current ones to determine the progression of the illness and the appropriate treatment plan with high levels of accuracy. Your radiology images will be stored, sent, and viewed as per DICOM standards. You can also rest assured that this platform is FDA approved and HIPAA compliant.

hPG80 Logo

hPG80 Cancer Screening test; Recommended for people with a high risk of cancer (age over 45, family history of cancer, smokers, etc)

3rd Medical Opinion; In case of a major difference between the first and second opinion

Tele-ICU: command centers staffed with intensivists and critical care nurses who electronically aid and deliver real-time information to frontline clinicians

hPG80 is an early cancer detection test developed by the brilliant Prof. Dr. Dominique Joubert, researcher and executive board member of ECS Progastrin, France. This revolutionary test is the only blood-based tumor marker to detect more than 16 types* of cancer via a blood test to date. It also detects cancer earlier than any other test. This is because hPG80, or circulating progastrin, is released by cancer stem cells. hPG80 is essential for the survival and growth of cancer.

Having such a routine cancer screening is extremely important for at-risk persons. Its measurement detects the presence and the activity of cancer in all stages. 

Factors that increase the risk of cancer include but are not limited to: being 45 years old and above, having a family history of cancer, lack of physical activity, unhealthy diet, smoking, drinking alcohol, and more.


Cancer screenings are essential for such people, as cancer usually does not present any symptoms until later stages when it is more challenging to treat. Undergoing a routine hPG80 cancer screening test increases remission rates and saves lives, time, and money.

At Balsam Health Services, providing you with access to the best healthcare is our utmost priority. That is why we have partnered with some of the best hospitals worldwide, such as Harvard/UCLA-affiliated Massachusetts General Hospital, the Dana Farber Cancer Institute, and the Ronald Reagan Medical Center, LA California.

In the unfortunate event that you should suffer from a critical illness, you can rest assured knowing you are in the best medical hands. You will be able to select from some of the best hospitals and doctors in the world to provide a detailed second medical opinion and consultation with re-diagnosis and a comprehensive treatment plan. If required, your samples can also be sent to their top-ranked labs in the US for repeat biopsies or pathology tests and a review of radiology images by their top radiologists can be provided.

Furthermore, should your second medical opinion provide a completely different diagnosis, you will be recommended to request a third medical opinion from another one of Harvard/UCLA-affiliated hospital’s top doctors for confirmation. Even in the case of admission into the ICU, you will receive access to our Tele-ICU service where physicians from these top institutions will be following your condition and providing medical advice to your local doctor, in real-time.