Health Insurance

Health insurance or medical insurance is a contract between the insurer and the insured wherein the insurer pays for the medical treatment as well as the surgical expenses of the insured. A health insurance plan is indeed the safest and most secure way to give financial coverage to the policyholder’s family.

Hospital bed and wheelchair at hospital room.

A health insurance policy is a type of insurance that provides financial coverage for surgical and medical expenses when the insured is hospitalized.

An apt medical insurance policy covers the policyholder with several benefits like day-care hospitalization and pre as well as post hospitalization. In fact, some of the leading health insurers provide coverage for cashless hospitalization facility at network hospitals during the tenure of the policy. All the medical expenses that are incurred are either paid to the health care provider directly or the health insurance company (Health Insurance Agency Dubai) reimbursed to the policyholder.

The different features and benefits of health insurance in Dubai and across the UAE are listed as follows:
Cashless Treatment: The majority of the health insurance companies in Dubai and throughout the UAE have their collaboration with various hospitals across the country. If the insured admitted to one of those hospitals, he/she can avail of the benefit of a cashless treatment facility by paying nothing for the medical treatment. The policyholder only requires to provide the policy number and the rest of the things will be taken care of by the hospital and the health insurance, However, if the medical expenses go beyond the pre-specified limit by the health insurance cover then the insured will have to settle it directly from the hospital.
Coverage for Pre & Post Hospitalization: Some of the effective medical insurance policies provide coverage for pre & post hospitalization expenses for a specific number of days before and after a policyholder is hospitalized.
Medical Check-Up: An apt health insurance plan entitles the policyholder to receive a frequent medical check-up. However, a free medical check-up is offered by a few health insurance companies in UAE, provided the insured have a decent history of No Claim Bonus.
Transportation Expenses: If the insured get hospitalized, the health insurance policy will cover the expenses incurred on using an ambulance to transport the policyholder from home to the hospital or vice versa. Well, this is an additional benefit and one must opt for it while buying health insurance
Room Rent: If in case the insured is hospitalized, he/she will have to incur expenses on room rent. Having medical insurance will ensure that all such expenses are covered to a specific extent.
Third-Party Administrators: Most medical insurance companies in the UAE make use of a Third Party Administrator (TPA) to handle certain functions. TPAs play a pivotal role in the health insurance sector. They have their collaboration with health insurance companies in Dubai and across the UAE to manage a wide range of services like enrollment, premium collection, claim settlement, and the like. Health insurance applicants should make sure that in addition to picking the best health insurance they also go for the most reliable and easily-accessible TPA.
Government Policies: Whether its medical insurance in Dubai or in Abu Dhabi, both of these emirates mandate a certain level of protection for residents. This is applicable for UAE residents and for expatriates alike.
Family Health Insurance Plans When it comes to medical insurance in UAE cost, family health insurance plans are the perfect blend of affordability and wider coverage. Instead of purchasing separate medical insurance policies for each family member, one can opt for the family plans in order to cover the entire family under one single cover. These types of health insurance plans usually restrict the number of policyholders to one spouse and a fixed number of children. Under family medical insurance plans, the sum assured is shared by all the family members that are included in the policy.
Group/Employee Health Insurance Plans
These types of health insurance plans are typically provided by employers. Plus, they are created to include & exclude employees as they join & leave the organization. Group health insurance plans are usually low in premium due to the volume of members included.
Health insurance policies in the UAE strictly adhere to an inclusions list, which sets forth the exact extent of medical cover that a policyholder is eligible for. While inclusions vary from one health insurance company in Dubai to the next, the services listed below can be found even in the cheapest health insurance in Dubai:
Pre-existing diseases and health illnesses Pre & post hospitalization In-patient hospitalization costs Ambulance fees Health check-ups Daycare procedures Hospital room cost Vaccinations & inoculations Newborn or maternity Medication
An exclusions list is a collection of the various medical services and treatments that are not offered as part of a health insurance plan in the UAE. Following are some of the most common medical insurance exclusions:
Unnecessary Operations Simply put, most medical insurance in the UAE will not cover the costs of medical treatments unless they are crucial to the policyholder’s health and wellbeing.
Cosmetic Treatments It is nearly impossible to find medical insurance companies in Dubai or anywhere in the UAE that offer a health insurance policy with cover for cosmetic treatments. Obesity Medical treatments for obesity usually find themselves well outside the scope of cover for health insurance in the UAE. Dental & Optical Care When it comes to dental or optical care, even the very best medical insurance in Dubai barely scratches the surface. While some health insurance companies in the UAE do offer emergency dental cover, routine checks and more comprehensive protection can usually only be availed of by paying an additional premium. Waiting Periods Certain health insurance plan benefits only come into effect after the customer has been a policyholder for a fixed period of time. This is known as the policy’s waiting period. The most common examples of health insurance services that have a waiting period include maternity cover, cover for pre-existing conditions, cover for chronic conditions, and so on. Voided Policies Health insurance companies in the UAE reserve the right to terminate a medical insurance plan at any time. Medical insurance policies are usually voided as a direct result of the policyholder’s actions. Examples of activities that may void a health insurance plan include illegal activities (such as gambling), not paying the medical insurance premium on time, self-harm or suicide, and more.