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In Dubai, medical facilities and medical insurance are necessary aspects of our life. From little expenses such as doctor consultations to major ones like hospitalization and surgery, health insurance helps citizens of the UAE manage their healthcare costs. Medical insurance in the United Arab Emirates is quite modern, comprehensive and necessary for the inhabitants' benefit. Yet one concern remains, however: does health insurance in the UAE cover death benefits?

Let's take a look at some of the facts that require some thought and insights.

Is Death Benefit Covered by Health Insurance?

Unfortunately, medical insurance in Dubai does not provide a death benefit to the dependents of the insured's beneficiaries in its most basic form. The most a health insurance plan can do for you is cover all treatment costs for covered ailments and illnesses up to the guaranteed sum maximum. However, there is one specific cover via which a health insurance plan can be tailored into delivering death benefits to the dependents. Even so, it only functions in pre-defined conditions. Personal accident insurance is a type of coverage that can be added to a health insurance plan as an add-on or as a rider for an additional benefit.

Are there any alternatives?

Even if your Dubai medical insurance does not include death benefits as part of the basic plan, you have the option of looking into life insurance options. Most insurance firms provide a variety of life insurance plans, including those that last a lifetime, those with a set term duration, and those that include an investing option. You may easily choose what you want based on your needs and interests. When it comes to death benefits, the following are some of the most suited options:

Whole Life Insurance Plans: As the name implies, these life insurance policy plans pay out compensation to the insured's dependents or beneficiaries until the insured person's death. As long as you pay your premiums on time, your whole life insurance policy will never expire. They may include extra benefits such as critical sickness, terminal illness, and accidental death that are not available with other types of life insurance.

Term Life Insurance Plans: This is a sort of life insurance policy that is only available for a limited time. According to the provider, the tenure might range from 5 to 35 years. When a term life insurance policy's predetermined term expires, the policy is no longer active. Only if the policyholder dies within the plan's predetermined term will the death benefit be paid. Term life insurance is a wonderful option if you want to make sure that your dependents are taken care of until they are old enough to support themselves.

Personal Accident Cover: Personal accident insurance, while not a life insurance policy, does provide death benefits, but only for unintentional fatalities. As previously stated, this policy also includes disability compensation. If your life insurance policy does not cover accidental fatalities, this coverage can be purchased as an add-on to your Dubai medical insurance.

Conclusion

The death benefit may appear to be something you won't need for a long time. However, if you are the family's single breadwinner and other people rely on you for their living, it becomes critical. In this circumstance, having medical insurance in Dubai that provides some form of lump-sum settlement to assist your dependents financially is a good option. But unfortunately, it doesn't cover the death benefits. However, you can test out a variety of various types of alternative insurance plans and choose your own death benefit. Because the main purpose is to provide financial support to your family after your death, these life insurance options and accidental death cover plans will be ideal. Just make sure you only buy what you need after thoroughly evaluating your needs and comparing programs.