Health Insurance Fujairah

Health insurance is an insurance type that covers the costs of medical treatments, doctor visits, and hospital stays. With the right plan, you can get the care you need without worrying about large medical bills.
Here’s what you need to know about the benefits and coverage options of this insurance type, and how to get insured.

Overview of Health Insurance Fujairah

Health insurance in Fujairah helps you pay for medical expenses like doctor visits, hospital stays, surgeries, and medications. By paying a monthly or yearly fee, called a premium, you can access healthcare without worrying about high costs. 

Medical insurance covers a large part of your medical bills, making healthcare more affordable and accessible.

Given below is a table summarising important details of medical insurance in Fujairah —

Best Health Insurance Fujairah 

Refer to the following table to know the best health insurance plans in Fujairah - 

Disclaimer: The premiums mentioned above are based on the assumption that the insured is 34 years old, resides in Fujairah, falls within the salary bracket of AED 6001-7000, and is an Emirati. Please note that premiums can vary depending on your personal profile, including age, residency status, income, and other factors. Always check with your insurance provider for the most accurate and personalised quote.

Types of Health Insurance in Fujairah

In Fujairah, there are different categories of health insurance to suit various needs. These types help individuals, families, and groups manage healthcare costs in a more organised way. 

Given below are the key types of health insurance in Fujairah — 

1. Individual Health Insurance

Individual medical insurance provides coverage for one person. This type is ideal for those who need personalised healthcare coverage based on their medical needs. It includes doctor visits, hospital stays, surgeries, and medication costs. 

The policyholder pays a premium to receive these benefits. The coverage is specifically tailored to their individual health requirements.

1. Family Health Insurance

In the UAE, including Fujairah, family health insurance works differently than in many other countries. Instead of one policy covering all family members, each family member has their own separate health policy. This guarantees that everyone gets customised coverage based on their age and health needs. 

1. Senior Citizen Health Insurance

Senior citizen medical insurance is specifically for older adults, usually 60 years and above. These plans focus on providing coverage for age-related medical issues and critical illnesses. Senior citizens often require more frequent doctor visits and hospital care — this insurance helps cover those additional medical expenses. These plans may also include coverage for pre-existing conditions after a waiting period.

1. Group Health Insurance

Group health insurance is provided by employers for their employees. This is a cost-effective option for companies to ensure their staff has access to medical care. It covers a wide range of medical treatments, including doctor visits, hospital stays, and emergency care. 

Group insurance policies are generally more affordable because they cover multiple people under one agreement, although the coverage benefits may vary based on the company’s plan.

Who Should Buy Health Insurance in Fujairah?

In Fujairah, medical insurance is necessary to protect yourself from unexpected medical expenses. The following categories of people should consider buying health insurance in Fujairah — 

1. Residents of Fujairah

Anyone living in Fujairah, whether a citizen or an expatriate, should have this insurance. Medical care can be expensive — having medical insurance in Fujairah confirms that you are financially protected in case of emergencies, hospital stays, or regular doctor visits. With the mandatory health insurance law, every resident needs to get insured.

1. Self-Employed Individuals

Self-employed individuals or freelancers don’t get the benefit of employer-provided health insurance. It is essential for this category to secure an individual health plan to cover medical expenses — without insurance, even a minor health issue can lead to large medical bills. 

Health insurance companies in Fujairah offer flexible plans for self-employed residents.

1. Families with Children

Parents with children should always consider buying separate health policies for each family member. Children often require regular medical check-ups and vaccinations, not to mention the possible need for emergency care. 

Health insurance in Fujairah mostly covers all such costs, which makes it easier for families to access healthcare without worrying about the financial burden.

1. Senior Citizens

Older adults face higher risks of health issues and often need more frequent medical attention. Medical insurance companies in Fujairah offer specific plans for senior citizens to help cover age-related treatments, surgeries, and ongoing care for chronic illnesses. 

1. Employees

Many companies in Fujairah provide group health plans to their employees. However, if you are not covered by your employer or if the group insurance does not meet your personal health needs, it is wise to get individual health insurance in Fujairah. 

1. People with Pre-existing Conditions

If you have a pre-existing health condition, such as diabetes or hypertension, having a health cover is important. While some insurers have a waiting period before covering pre-existing conditions, health insurance in Fujairah will eventually cover the treatments and medications required to manage your condition.

1. People Planning to Start a Family

If you plan to have children, you should consider purchasing a health policy that includes maternity benefits. Many health insurance companies in Fujairah offer maternity coverage, which helps with the costs of pregnancy, childbirth, and postnatal care.

When is the Right Time to Buy Health Insurance in Fujairah?

The right time to buy health insurance in Fujairah depends on your personal situation. Listed below are some key points to consider — 

1. When You Start Working

If you are starting a new job and your employer does not provide health coverage, this is the right time to buy your own policy. It's essential to have coverage in place as soon as you begin working to avoid any medical emergencies without insurance.

1. Before a Health Issue Arises

It’s best to buy health insurance while you are healthy. Waiting until you have a medical condition can make it harder to get insurance or might result in higher premiums. Getting insured early makes sure that you are covered in case of sudden health problems.

1. When You Move to Fujairah

If you are relocating to Fujairah, you should purchase health insurance as soon as possible. Having health cover from the beginning protects you from day one in a new place.

1. When You Are Planning a Family

If you plan to start a family, this is the ideal time to buy health insurance with maternity benefits. Maternity coverage helps with the costs of pregnancy and childbirth, which can alleviate your financial burden during this important time.

1. When You Are Approaching Retirement

As you get older, medical needs tend to increase. It’s important to secure a health insurance plan before you reach retirement age.

Features and Benefits of Health Insurance in Fujairah

Health insurance in Fujairah comes with several important features and benefits that make it easier for residents to access medical care.

Here are some of the key features — 

1. Cashless Hospitalisation

With cashless hospitalisation, you don’t have to pay upfront for medical treatments. 

Health insurance companies in Fujairah have tie-ups with hospitals where you can receive treatment without paying immediately. The insurance provider settles the bills directly with the hospital, which makes the process quite convenient during emergencies or planned treatments.

1. Vast Network of Hospitals

Health insurance in Fujairah offers access to a wide network of hospitals, clinics, and healthcare providers across the UAE. This means you can choose from multiple options for your medical care and also receive quality treatment close to your home. 

You can also visit specialists or general physicians without worrying about hospital availability.

1. In-patient and Out-patient Cover

In-patient cover includes treatments that require hospital admission such as surgeries or long-term care. Out-patient cover, on the other hand, handles medical consultations, diagnostics, and minor treatments where hospitalisation is not necessary. 

Having both options under your insurance plan keeps you covered for any type of medical care you may need.

1. High Medical and Pharmacy Cover

Health insurance plans in Fujairah provide extensive medical coverage for doctor visits, diagnostic tests, hospital stays, and treatments. Additionally, many plans include pharmacy cover which helps cover the cost of prescribed medications. This reduces your out-of-pocket expenses, especially for long-term medication.

1. Copayments and Deductibles

Many health insurance plans offer flexibility with copayments and deductibles. 

A copayment is a small amount you pay when visiting a doctor or getting treatment — the insurer covers the rest. Deductibles are the portion you pay before the insurance coverage kicks in. These options allow you to choose plans with lower premiums in exchange for sharing a small portion of the costs.

 

Health Insurance Fujairah - Inclusions 

Refer to the points below to know the coverages included in most health insurance policies in Fujairah: - 

• Declared existing health conditions 
• Pre-hospitalisation and post-hospitalisation costs
• Pharmacy-related costs
• Health check-ups 
• Diagnostic tests
• Ambulance fees 

Health Insurance Fujairah - Exclusions 

Listed below are the treatments and hospital facilities that are not included in health insurance policies in the Emirate of Fujairah -   

• Undeclared pre-existing health conditions 
• Cosmetic surgeries
• Injuries due to war or terrorism
• Treatments included under obesity health programmes
• Medical conditions or injuries resulting from self-harm or illegal activities 

How to File a Claim for Health Insurance in Fujairah? 

The process of filing a health insurance claim differs in terms of the service type availed by policyholders. Individuals can primarily opt for network hospitals and out-of-network hospitals, depending on which they would have to complete the specific procedure to make a claim.  

The claim processes for both are as follows -   

Within the Network Hospital 

Network hospitals are basically healthcare centres and medical clinics that have tie-ups with health insurance companies based out of Fujairah. Policyholders opting for network hospitals can enjoy the benefit of cashless claim settlement for their treatment expenses. In this case, concerned insurance providers directly pay the hospitals.  

Network Hospitals 

Those who choose to have their treatment done through non-network hospitals and healthcare centres have to pay for their hospital-related expenses initially. Policyholders will then have to submit original invoices and other related documents (as mentioned in the policy agreement) to their respective providers. Upon successful verification, providers will make reimbursements for the claim amount.

Check out the Network Hospital List in Fujairah

How to Apply for Health Insurance in Fujairah?

You can conveniently secure yourself and your family by getting health insurance from policybazaar.ae. Our platform offers the best insurance plans from the top providers in Fujairah in one place. On top of that, you can also avail of exclusive offers and discounts on your policies on our website. 

Here’s how you can apply for health insurance in Fujairah via our website policybazaar.ae -  

1.       Move to the ‘Insurance’ drop-down menu. 

2.       Select ‘Health Insurance’. 

3.       Provide all the required information to get to the health insurance quotes page. 

4.       Go through the available plans and select the most suitable one. 

5.       Click on ‘apply’ against the plan of your choice and complete the prompted steps.  

Take a glance at the Frequently Asked Questions (FAQs) below to find out more about health insurance in Fujairah! 

Frequently Asked Questions

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