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What is health insurance?

Health insurance is a shield that protects individuals against financial strains caused by surgical and medical emergencies. In case of medical emergencies, health insurance helps avoid the hassle of arranging funds in short notice. Health insurance is in a way a hedging tool against the rising cost of hospitalization.

The right health insurance policy can protect the insured against both day-care hospitalizations as well as against pre and post-hospitalization expenses. Cashless hospitalization is one of the best features that comes with almost all health insurance policies these days. With a cashless claim settlement facility, the insured person can undergo treatment at network hospitals hassle-free. All the medical expenses will be provided directly to the health care provider by the health insurance provider. There is an option for reimbursements if the policyholder wants an alternative process.

Health Insurance in Abu Dhabi

Abu Dhabi is the capital of the UAE. Abu Dhabi city is easily one of the largest cities in the UAE. The city has a huge expatriate population that fires the economic activities of the city in full cylinders. Abu Dhabi enjoys some of the most modern health infrastructures in the world with a large number of world-class clinics and hospitals. Getting treatment in these hospitals and clinics can be an expensive endeavor for an average resident of The UAE and this is where health insurance comes into the picture.

Buying health insurance online is the easiest way to purchase insurance for you as an individual, family, or employees at large and policyhouse.com does just that. Policyhouse.com is a one-stop shopping platform for all your insurance needs. What makes us different from the rest of the insurance brokerages is the fact that we offer free registration assistance, simplified claiming process, quick and easy claim processing, and a dedicated customer support team that provides round the clock assistance.

Why is Health Insurance more important now?

All the global policymakers and the public have witnessed an unprecedented health crisis like cancer and cholera. It becomes more crucial to think about health insurance now. Families are our first and most important responsibilities. Firstly, you do not need to worry about your treatment and expenses at the hospital. Secondly, you can focus on your speedy recovery. Thirdly, all you need is to look for a hospital that has a tie-up with insurance. Moreover, you can relax after buying health insurance. Your lifetime savings won’t be exhausted if you have a health insurance policy.

What are the benefits of Health Insurance in Abu Dhabi

The features and benefits of health insurance in Abu Dhabi are listed below:

Cashless Treatment

Cashless treatment gives the policyholder an advantage to avail cashless treatment in a network hospital that the insurance company has collaborated with. Cashless treatment helps the policyholder to avail treatment without paying the cost of the treatment.

As treatment costs are borne by the insurer, the policyholder from his side needs to provide the hospital with the policy number before going ahead with the treatment. If the hospital expenses go beyond the insured cover limit specified in the policy, the policyholder will have to directly pay for the cost incurred for the treatment. For further assistance, please feel free to contact policyhouse.com dedicated customer support.

Coverage of pre & post hospitalization expenses

One of the biggest advantages of having the right insurance cover is its ability to cover Pre and Post hospitalization expenses on your treatment. The cover is for a specific number of days pre and post expenses incurred for the hospital treatment.

Medical Check-up

Most health insurance plans come with free medical check-ups, the specific and frequency of these check-ups vary from insurance company to insurance company, and the plans that the policyholder wishes to purchase. Some health insurance companies offer free medical check-ups on providing a decent no claim bonus history.

Transportation Expenses

Certain insurance plans give its policyholder the capability to claim the cost of ambulance transportation. The expense can be claimed for the transportation cost of the policyholder from home to the hospital via ambulance and vice versa. Some health insurance providers give their customers an option to choose this feature as an add-on to their existing policy cover.

Room Rent

In the case of hospitalization, the room rent expenses will be covered by the policy to the extent specified in the policy agreement bought by the customer.

No Claim Bonus (NCB)

If the policyholder did not make any claim for any treatment cashless or reimbursement he or she will be rewarded with no claim bonus. This no claim bonus can be used as a discount mechanism to reduce the cost of premium or as an increment in the sum assured at the time of renewable.

Third-Party Administrators (TPAs)

Most medical insurance companies in The UAE collaborate with various Third-party Administrators to sell their products to customers across Abu Dhabi and The UAE at large. TPAs help in developing the necessary infrastructure on behalf of the insurance agencies to perform tasks like collecting premiums, claim settlements, enrolments, renewable, and so on. It is advised that prospective clients make it a point to select a reliable TPA partner along with the best health insurance provider.

Government Policies

Government policies mandate certain levels of protection to residents living in Abu Dhabi and Dubai. This is applicable for both UAE residents and expatriates alike. For example, Abu Dhabi offers UAE nationals comprehensive health insurance policy under the name of Thiqa.

What are the types of Health Insurance in Abu Dhabi?

There are different types of medical insurance plans that a policymaker can opt to meet each individual's specific needs, they are as follows:

1
Individual Health Insurance Plans

Individual medical insurance plans facilitate the coverage of certain illnesses and treatments for a single individual. They offer cashless hospitalization processes or reimburse mechanisms for pre and post-hospitalization expenses. To know more call our 24*7 customer support team at policyhouse.com.
2
Family health Insurance Plans

While taking into consideration the high cost of hospitalization and other treatments family insurance makes more sense. It covers the needs of the entire family. Family health insurance plans are generally considered value for money when compared to individual insurance plans for each member of the family. These health insurance policies usually allow one spouse and a fixed number of children. Under family medical insurance plans, the sum assured is usually shared among the family members included in the policy.
3
Plans by Nationality

The government medical insurance companies working in Abu Dhabi and other emirates include certain non-governmental insurance providers offer slightly better insurance plans for UAE nationals. The benefits provided by such medical insurance providers might provide different sets of benefits to expatriates and different sets of benefits to UAE citizens.
4
Group/Employee Health insurance Plans

Group health insurance plans are usually bought by employers for their employees. The biggest feature provided by employee health insurance plans is the ability of the employer to include and exclude employees as they join and leave the business establishment. Employee health insurance plans are usually low in premium due to the low-risk nature of the policy.
5
Senior citizen health insurance plans

Senior Citizen Health Insurance plans are specifically designed for people who are 60 years and above. Such plans usually come with a higher premium as senior citizens have a higher chance of getting sick. Very few insurance providers provide senior citizens with health insurance plans. Furthermore, the insurance provider might request the prospective client to undergo a full body checkup to assess his or her health conditions.

Health Insurance Inclusions

Health insurance policies in Abu Dhabi and the rest of the emirates adhere to a set of inclusions list, this set the exact extent of medical cover that policyhouse.com is eligible for. Each health insurance policy comes with a unique assortment of inclusions that differ from one policy to another, one medical insurance company to the other.

Even though that might be the case, health insurance providers who provide medical insurance or health insurance in Abu Dhabi and the rest of the emirates are mandated to offer a certain set of standard inclusions. These inclusions can be found even in the cheapest health insurance in Abu Dhabi, the amount of cover might differ. The inclusion list includes items like:

Pre & post hospitalization
Medication
In-patient hospitalization costs
Pre-existing diseases and health illnesses
Newborn or Maternity
Ambulance fees
Health check-ups
Hospital room cost
Vaccination and inoculations

What are the services that are not included?

An exclusion list consists of certain medical services and treatments that are not offered as part of a standard health insurance plan in Abu Dhabi or other emirates. Some of the most common medical insurance exclusions include things like:

Unnecessary Operations - Operations that are not crucial to the policyholder’s health and wellness are not covered by the standard medical insurance and health insurance policies.
Cosmetic Treatments - It is very difficult or impossible at times to find a medical insurance provider or health insurance provider that covers the cost of cosmetic treatments.
Obesity - The medical treatments related to obesity usually do not come under the scope of medical insurance or health insurance policies offered in Abu Dhabi or other emirates
Dental & Optical Care - Dental and Optical care are usually not available as part of the standard medical insurance or health insurance package. Some health insurance providers do offer emergency dental cover and routine checks, but that is probably it!. The customers have to pay an extra premium on top of the existing policy premium amount to avail of these benefits.
Waiting Periods - Certain benefits of the health insurance plan come into effect after the policyholder has been holding the policy for a fixed time period. This is what is termed as a waiting period. Some of the most common benefits that require a waiting period include things like maternity cover, cover for pre-existing conditions, cover for chronic conditions, and so on.
Voided Policies - Health insurance providers in UAE have all rights reserved to terminate a medical insurance policy at any time. Certain actions from the part of the policyholders can result in the termination of medical insurance. Some of the examples that trigger a policy termination include activities like not paying the medical insurance premium on time, suicide, engage in illegal activities, and so on.

How to file a claim for health insurance in Abu Dhabi?

The network hospitals that each insurance provider in Abu Dhabi or the rest of UAE has tie-ups can influence how a claim is settled. There are mainly two main ways that a policymaker can make claims they are as follows:

Within the hospital network

In case of hospitals and clinics that the insurance provider in Abu Dhabi and the rest of UAE has tie-ups with, he/she can use a cashless method to pay for the treatment that he/she has undergone in the hospital. The cashless method is accepted by partner hospitals and clinics as long as the cost of the treatment is within the stipulated policy claim limit.
Outside the hospital network

Unlike in the previous type of claim settlement mechanism, in the case of availing treatment outside the hospital network, the policyholders have to pay for the treatment from his/her pocket. He can claim reimbursement for the same from the health insurance provider. All he or she has to do is to provide the original bills, treatment details, and other related documents requested by the insurance provider.

The reimbursement amount is based on the eligibility criteria and limits set by the insurance provider. Policyhouse.com enjoys a set of dedicated customer support teams that will assist you with the entire process.

FAQs on Abu Dhabi Health Insurance

Why is it important that the prospective customer declares pre-existing conditions?

Health insurance providers require customers to provide them with accurate pre-existing conditions to help them identify the best health insurance policy that suits customer needs. Any discrepancies in the medical insurance policy information can result in the insurance service provider canceling the insurance plan subscribed by you.
Is there a possibility in which I can cancel my medical insurance plan without incurring any charge?

Yes, medical insurance providers in Abu Dhabi and across UAE offer this facility. What happens is that a grace period is provided and the customer can cancel their policy and receive a full refund for the same. Full reimbursements are valid only for policyholders that have made zero claims during the period.
What is the scope of coverage for medical insurances issued in UAE?

Most Medical insurance providers in UAE offer health insurance coverage within a specific geography, usually within the UAE. This translates to the concept that reimbursement of policyholder's medical expenses within the geography of UAE will only be paid by the insurance provider unless mentioned otherwise.
Are family plans the most affordable health insurance in the UAE?

Family plans are considered one of the most affordable health insurance options to insure the entire family. It is easily one of the cheapest insurance policies available in the market. However, there may be restrictions in the number of dependents and other conditions.

It is always advised the policyholders go through the terms of the policy before committing to any insurance provider or insurance policy. To know more, check policyhouse.com website to understand more about the great deals that are currently available in the market.
Why do I need to buy a health insurance policy in the UAE?

With the rise in the cost of treatments and other related health costs the purpose of having health insurance is to hedge the financial burden that arises from undergoing treatment or falling ill or getting injured. The medical bills can be very expensive in some cases. The cost of medical bills can add up to a huge burden for the family. Having health insurance can prevent such a scenario from happening.
What does an average health insurance cover?

Average health insurance covers the cost of doctors, emergencies, ambulance costs, pre and post-admission expenses to the specified date, medicines, laboratory expenses, diagnostics tests, and so on.

Insurances are usually tailored made to suit the requirements of the policyholder. The customers have the option to customize the insurance by adding certain addons to the standard insurance package like dental and or optical treatments, international coverage, and so on.
Does the medical insurance provider provide any medical emergency assistance arising while traveling abroad?

Yes, medical insurance providers do provide its customers with the required assistance in the case of a medical emergency in a foreign land subjected to the plan subscribed by the policyholder. Some policies do have this feature along with the policy and for others, it is usually an optional addon.
How does deductible apply?

A deductible is usually the amount the policyholder has to pay (usually a fixed amount or a percentage of the expense) before the medical insurance company pays the medical expense as part of the claim. The higher the deductible lower is the cost of the premium you pay. This feature is used by employers in group/employee health insurance plans as it significantly reduces the cost of premium paid to the insurance company.

A person must check the amount of money that he or she could afford as deductibles before committing to a health insurance provider as it significantly reduces the annual premium rate. For more information call policyhouse.com dedicated customer support service.
On the health insurance quoted to me by policyhouse.com, it is mentioned 15% co-insurance/Co-payment on all outpatient services. What does this mean?

Co-insurance/Co-payment is an amount that should be paid directly to the health insurance care provider for all the medical services used. The 15 percent mentioned above is the percentage of the total expenses that have to be paid by the policyholder from hand. Coinsurance helps reduce the policy premium to be paid by the policyholder.
Will the insurance that I purchase from policyhouse.com cover pre-existing and chronic conditions?

For the first time applicants (New to Abu Dhabi), there is a cooling period (no claim allowed period) of 6months. After which the customer is allowed to claim the pre-existing and chronic condition's treatments. It is mandatory from the part of the customer to disclose to the insurance agencies about any pre-existing and chronic conditions. This information is useful to calculate the premium for the customer.

In the case of renewable application, again the customer is obliged to mention the pre-existing conditions and illness suffered by the policy buyer to get eligibility for covering the expense under the scheme. There is no cooling period for the renewal policy purchased by the client. To know more reach out to policyhouse.com customer support facility that is available 7 days of the week.
What can be done if an insurer does not carry his medical card to avail a medical service at a health care provider?

All the basic health policies offered by major health insurance and medical insurance providers are linked to emirates ID. Show your Emirates ID at the network hospital and if it doesn't work the policyholder can reimburse the claims with the insurance provider as per their policy terms and conditions. The policyholder must submit the original receipts and invoices and other medical transcripts from the treating doctor as supplementary documents.
Can I visit a non-partner hospital for my treatment?

It depends on the scope of the policy purchased by the policyholder. If you are eligible to do so you may file the reimbursement claims for the treatment expense incurred with all the supporting documents. It is always advised to check the reimbursement contract before taking any decisions in this regard. The basic insurance policy bought by the customer usually does not allow for reimbursement but there are exceptional cases which are dealt on a case by case basis.
Is maternity covered under the health insurance policy?

Maternity cover is available for married female residents in Abu Dhabi and the rest of the UAE. Prenatal visits up to 8 times are usually available with the insurance and a minimum benefit of 7000 AED is offered for child delivery. The married female policyholder usually will have such a feature engraved in their insurance policy contract and that will indirectly affect the premium paid by the married female. Do check your policy contract for the cooling period for availing this benefit.
Is optical & dental cost covered as part of the health insurance policy?

Optical and dental care benefits are usually not covered in the minimum health insurance policy unless in the case of emergency treatment. If the policyholder opts for a more comprehensive cover then you can expect better coverage for things like tooth fillings and so on.