Everything is unpredictable in life, including your health. Medical needs vary every day and medical emergencies can derive anytime. Dubai, where the cost of living is on a higher side, managing medical expenses is difficult.
What is health insurance?
An insurance policy that can cover your financial expenses pertaining to surgery or medical expenses incurred once hospitalized. It is basically medical insurance between the insurer and the insured. Health insurance can be considered as benign and tenable financial coverage to a policyholder.
What are the benefits of health insurance?
The major benefit of having health insurance is to be relaxed from the monetary burden. Health insurance assures you a financial backup for the right treatment. Here are a few benefits of availing health insurance.
The healthcare sector in Dubai is growing rapidly. Most of the hospitals and insurance companies are partnered across the country. Once you are admitted to one of the insured hospitals, you (the policyholder) can avail of the cashless treatment scheme and get treated without paying any amount. The only requirement is you should hold a valid health insurance policy and the benefit is yours. Post completing your treatment, you are required to give your policy number, and the hospital will tie-up with the insurance company and get the expenses settled. An important point to be kept in mind is, if your expenses exceed beyond the insured amount, the remaining amount must be paid from your end.
Coverage for Pre & Post Hospitalization
With the advanced health benefits, insurance companies also provide coverage for pre and post hospitalization for a period before or after the insurer is hospitalized.
Getting a routine medical check-up is very important with increased health issues and lifestyle. Some health insurance plans offer recurrent medical check-ups. If you have steady no-claim bonus history, free medical check-ups are offered by a few insurance companies in Dubai.
Not all health insurance policies offer transportation expenses. If your insurance company offers transportation expenses as part of the insurance policy, then you should take it. Any charges related to ambulance charges from one hospital to another will be incurred under your insurance policy.
Once the insurer is hospitalized, the room rent can be taken care of by the insurance company provided your policy allows that.
No Claim Bonus
An insurance policy that has never been claimed against any medical expenses during the policy period is subject to a No-Claim bonus. This bonus can be provided as a premium amount discount or an increment in the sum of assured premium. The No Claim bonus benefit can be availed at the time of renewal as well.
Third Party Administrators
Third-Party Administrators are widely used in Dubai in the health sector as well. The majority of the health insurance companies have tie-ups with third-party administrators for policy enrolment, premium collection, claim settlement, etc. While selecting the best health insurance company, you should also ensure to choose a consistent third-party administrator.
The Government of Dubai offers mandatory basic health protection to its residents and citizens including ex-pats. The Dubai Health Authority has comprehensive health insurance for its unprotected residents.
What are the various types of Health Insurances in Dubai
Health Insurance policies are based on the required. Listed below are the types of health insurance policies available in Dubai.
Insurance companies offer insurance policies to a single person under the Individual Health Insurance Plan. This plan covers medical coverage against illness and offers several cashless hospitalizations including pre and post-hospitalization.
Family health Insurance Plans
Family Health Insurance Plans are insurance plans that cover the entire family. In this plan, the total sum insured can be shared by family members included in the policy.
Plans by Nationality
Like every country, the insurance plans and benefits offered to Dubai nationals are also different. This medical insurance plan offers different benefits to expats and its citizens.
Group/Employee Health insurance Plans
The Group / Employee Health Insurance plans are designed for a group of people for companies that have employees working. The premium cost is less for this plan and is the major benefit for employers.
Senior citizen health insurance plans
As the name indicates, this health insurance plan is for senior citizens. Senior citizens are prone to more critical illness and hence this plan is designed for them. The plan is for anyone who 60 years and above. The premium cost for this plan can be discounted, however, there are only a few insurance companies in Dubai that offer this insurance plan as the medical risk associated with this age is high.
What are all included in the health insurance policy list?
As strict rules have been key in the progress of Dubai, the health insurance policies also follow strict rules regulated by the government. Every policyholder has an insurance policy for a stipulated time with all the inclusion mentioned in the policy. However, every health insurance policy is different from each other, below listed are the major inclusions in a basic health insurance policy:
- Pre-existing diseases and health illnesses
- In-patient hospitalization costs
- Day care procedures
- New-born or maternity care
- Pre and post hospitalization
- Health check-ups
- Ambulance charges
- Room rent charges
- Vaccination and inoculations
What are the health insurance exclusions?
Each insurance company has different exclusions in its health insurance plan. Some of the most common exclusions are listed below:
- Dental and orthodontics are mostly excluded under health policies. But a separate coverage can be purchased
- Home Nursing care
- Weight loss programs or any treatments related to obesity including surgical or non-surgical are excluded for the plan
- Experimental research, or treatments
- Any cosmetic medical services such as breast implants. However, this is not to be linked with cosmetic surgery for improved physiological function, which is usually not excluded
- Items purchased for personal comfort
- Sterilization or contraception
- Smoking programs
- Prosthetics or similar medical equipment or procedures
- Mental health conditions
How to file a claim for health insurance in Dubai?
Claiming your health insurance is sometimes difficult and sometimes hassle-free. Here are two major ways to claim your health insurance:
Within the hospital network
Since most of the insurance companies and hospitals are partnered across in Dubai, the insured will be able to avail of the insurance benefits without spending any amount within the mentioned period.
Outside the hospital network
If you are hospitalized in centers that do not avail of your insurance company, you may still get treated there and submit all the bills and documents pertaining to your treatment. This will help you get a reimbursement from your insurance company subject to eligibility set by the insurance provider.
FAQs on Dubai Health Insurances
Why is it so important to declare my pre-existing conditions?
Your pre-existing condition will help the insurance company provide you the best insurance plan suitable for you with the minimal premium cost.
What is the right age to buy health insurance?
Well, there cannot be a defined age to buy a premium. It’s always better to get a premium at a young age. Few reasons that can help you think through:
- Lower premium
- Extensive choice
- Financial planning
- Escape pre-existing disease waiting period
Is hospitalization required to make a claim?
With modern and advanced technology, there are many treatments that can be conducted in a few hours, and hospital stay is not required. Treatments like radiotherapy, chemotherapy, cataract surgery, etc are considered as day-care procedures. However, you should ensure what all your insurance company provides.
What is the scope of coverage for medical insurance in Dubai?
The coverage is a topographical limit in which different health benefits are applicable. The government offers different health benefits to expats compared to the provision with its citizens.
Why do I need Health Insurance?
Undeniable, the answer to this would be for your health benefits. The Health sector is growing with the cost of treatment also increasing. The main reason health insurance is required is to protect your family members and you from any unexpected illness with expensive costs associated with it.
What happens if the renewal premium due date is missed?
The majority of the insurance companies send the renewal reminders 45 days before the due date. Now, this service is an add-on provided by the insurance company and is not any mandate. So, you cannot blame the insurance company for sending you reminders.
Every insurance company provides a grace period of 15-30 days if you have missed paying the premium. A grace period is an additional time allotted after the due date to renew the policy. The major consequences if missed to renew the policy are:
- No coverage
- Policy renewal can be denied
- Loss of accumulated no-claim bonus
- Re-apply waiting periods
Is there any assistance provided for medical emergencies for insured members traveling?
Yes. This is completely based on the insurance plan you have selected.
Does Health Insurance cover begin from day one?
Health insurance comes with a waiting period of 30 days. All the pre-existing ailments are covered after the pre-defined waiting period.
Is maternity covered?
Maternity cover is available for married women for Dubai residents. A minimum benefit of up to 7000AED is provided for pre-natal visits up to 8 times along with child delivery. However, it is mandatory to check your policy for the cooling period to avail the benefit.
Is optical and dental covered?
General health insurance does not cover optical and dental treatment, unless for emergency cases. A more comprehensive cover has more coverage such as routine services and tooth fillings.
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