Difference between Health Insurance and Term Insurance
Health Insurance UAE Plans
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
HAYAH Insurance
Plan NameCare Blue
Medical Cover (AED)250,000
Starting FromAED 5,185/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Takaful Emarat
Plan NameECARE BLUE
Medical Cover (AED)150,000
Starting FromAED 5,566/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Insurance
Plan NameHealth Plus - Plan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,780/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Cigna
Plan NameHealthguard Regional
Medical Cover (AED)2,750,000
Starting FromAED 35,756/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
General
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
GIG Gulf (Previously AXA)
Plan NameGlobal
Medical Cover (AED)7,500,000
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Fidelity United
Plan NameHealth First Plan G
Medical Cover (AED)500,000
Starting FromAED 5,083/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
PCP- C Network
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Dubai Insurance
Plan NameDubaiCare Next N5
Medical Cover (AED)1,000,000
Starting FromAED 6,097/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Takaful Insurance
Plan NamePlan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,772/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
RAK Insurance
Plan NameNextcare RN3
Medical Cover (AED)1,000,000
Starting FromAED 6,787/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Plan NameEssential
Medical Cover (AED)150,000
Starting FromAED 7,350/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Adamjee
Plan NameSilk Road
Medical Cover (AED)1,000,000
Starting FromAED 10,500/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Watania Takaful (Previously Noor Takaful)
Plan NameNAS NRICare Plan 6
Medical Cover (AED)1,000,000
Starting FromAED 11,058/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Abu Dhabi National Insurance Company
Plan NameBronze
Medical Cover (AED)250,000
Starting FromAED 17,993/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Allianz
Plan NameSelect Pearl (Comprehensive excl CCAD network)
Medical Cover (AED)6,426,800
Starting FromAED 69,520/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Bupa
Plan NameSelect
Medical Cover (AED)6,239,000
Starting FromAED 69,883/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Premium Network
Plans shown as per selected filters. T&Cs apply
Plans shown as per selected filters. T&Cs apply
We know that your family means everything to you, and you would want to see them independent and happy even when you are no longer around. Term insurance is often said to be the panic resolution for an overly emotional person. However, this statement made is not true at all. If you can set aside the amount of annual premium and buy something that gives you peace of mind that your family members will be taken care of even if you are no longer there, then why not?
The same holds true in the case of a health insurance policy. If you are someone who is concerned about your loved one’s medical wellbeing and is aware of the fact that you do not have any superpowers and that diseases do not come after asking for your permission – you will probably opt for health insurance, to keep the heavy medical bills afar, by bearing only a small cost for them.
It is important to be smart and plan ahead before it gets too late. Further in this thread, we are going to explain both health insurance and term insurance policies to you, so that you can decide the right choice for you to opt for.
What is Health Insurance?
In today’s fast-paced lives, as one grows, one also spends, the ever-growing living standards means spending more every day and bettering as well. Most of our savings stay only up to the first week of the month when we get our salary credit. However, after paying off the pending bills for the month, what you might be left with – is it enough to save you on a rainy day? Unfortunately, the answer for most of us is no.
The scariest part about those unforeseen occurrences is the uninvited expenses involved medically. With the large hospital bills and even larger invoices, health insurance dubai is the one’s only savior in such a scenario. This kind of insurance can be your best friend when the policyholder or the individuals that are added on the policy falls sick, gets hospitalized, or needs any type of surgery or any sort of medical intervention, all the medical bills and expenses involved are reimbursed for the insured individual, and their life is sorted.
What is Term Insurance?
Your family members, without any doubt, are your world, and you would definitely go to any extent in your capacity possible to provide the best of life for them. A haunting question to consider, that is also the harsh truth of life – “what will happen to them once you are no longer around?” We all know it is impossible for one to be there till the end of time, but you can still manage to provide for and take care of them, doesn’t that make you a little calm? And the answer to this calm is Term Insurance.
Your term insurance policy will help in taking care of your family members’ financial needs even if you are no longer around. It is a type of life insurance plan that provides financial coverage to the nominee or the beneficiary of the insured individual.
Term Insurance vs. Health Insurance: The Difference
Term Insurance
Health Insurance
It is a cover for the insured individual to provide protection coverage over his or her loved ones. It financially secures the family members if the policyholder is no longer around.
It helps in securing the policyholder and any other family members that are added in the policy contract against any unexpected medical expenses.
It provides the beneficiaries with a lump-sum payout in the event of the insured individual’s demise during the tenure of the policy.
It acts like an invisible helping hand, that provides support through the financial requirements in case of any medical emergencies, as and when required, there is no fixed time frame for the payout.
The premium charged on term insurance is generally quite less.
The premium charged on health insurance is slightly high.
The premium payments are generally on an annual basis. The general practice of making regular annual payments as the final amount does not burden the pocket.
Generally, the premium payments are monthly, whereas, some insurance providers also offer quarterly, semi-annually, or annual premium payouts.
This type of insurance policy does not come with any maturity benefits; it is a financial safety net that provides support to the family members of the insured when he or she is no longer around. If the insured survives the term of the policy, the term insurance plan is terminated.
This type of policy does come with a no-claim maturity benefit or a rollover of the amount that is unused in some scenarios resulting in premium payments that are lower in the following year.
This is not one of the general investment policies, although if the policyholder survives the term of the insurance policy that was a premium return policy, then he or she can obtain the benefits of claiming all the premiums that had been paid throughout the tenure of the policy.
This is an investment plan that comes to financially help you when you require it the most. Some health insurance providers might provide policies that come with a market-linked investment plan.
The Bottom Line
To further conclude, if you closely understand what a term insurance plan offers and what a health insurance policy offers, you will also understand the fact that one will require these policies at some point in life sooner or later. It is better to make a choice that is informed and smart at the right time, especially before it gets too late.
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