Health Insurance Umm al Quwain

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AED 1 million Health cover starting @4/Day
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By the first quarter of 2023, it would be compulsory to secure health insurance in the northern Emirates. Individuals in the northern Emirates, including Sharjah, Umm al Quwain, Ras al Khaimah, Ajman, Sharjah, and Fujairah, would now be required to have health insurance.

This move has shed light on how health insurance functions in certain Emirates. In this article, we will cover the fundamental aspects of Umm al Quwain's system of health insurance. You will get to find out more about the top insurance providers, the benefits and characteristics of Umm al Quwain health insurance, its exclusions and inclusions, and other details.

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

Health Insurance in Umm al Quwain: An Overview

Over the past five years, the cost of medical treatments has nearly tripled and increased across the bulk of the United Arab Emirates. The healthcare costs without private health insurance may be quite high depending on the sort of treatment you need. It is not unusual to receive bills in several thousands of dirhams.

Although Umm al Quwain does not have a universal health insurance scheme, there are many private health insurance companies in the Emirate. To learn more about Umm al Quwain's top insurance companies, continue reading.

Best Health Insurance in Umm al Quwain

Here are the top plans related to cheap health insurance in Umm al Quwain - 

Plan Name Medical Coverage Pharmacy Limit Apply
Takaful Emarat - Iridium Up to AED 1,000,000 Maximum of AED 10,000 View Quotes
Noor Takaful - Silk Road Up to AED 1,000,000 Till the Medical Coverage Limit View Quotes
Adamjee Insurance - Silk Road Up to AED 1,000,000 Till the Medical Coverage Limit View Quotes
Dubai National Insurance (DNI) - Silk Road Up to AED 1,000,000 Till the Medical Coverage Limit View Quotes

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Types of Health Insurance in Umm al Quwain

As per the plans provided by the largest insurance companies, the main types of health insurance in Umm al Quwain are -

  • Individual Health Insurance - In Umm al Quwain, this type of health insurance plan only provides coverage for a single person. Individual health insurance provides financial protection against the costs of treating serious illnesses as well as other advantages including cashless hospitalisation, diagnostic test costs (subject to co-payment if relevant), and more.
  • Senior Health Insurance - These policies are created specifically for individuals who are 60 years of age or older. As older people are at a higher risk of contracting an illness than younger people, senior citizen health insurance in Umm al Quwain has a higher cost than other health insurance policies.
  • Family Health Insurance - Specifically created for families, this health insurance in Umm al Quwain blends affordability with a larger range of coverage. This saves time and effort by allowing all eligible family members to be covered under one plan instead of having to get individual health insurance for each member separately.
  • Group/Employee Health Insurance - Employers in Umm al Quwain purchase this sort of health insurance for their employees and have control over the inclusions and exclusions of the plan. 

Health Insurance Available in

Sharjah , Ras al Khaimah, Fujairah , Ajman , Abu Dhabi, Dubai

For employees, the coverage would depend on when they join and depart the company. Due to the high number of people covered under this health insurance plan, the average premium is cheaper than usual. These plans have been created specifically to match the needs of the business.

Features and Benefits of Health Insurance in Umm al Quwain

As an insured individual in Umm al Quwain, you can have access to advantages on three main levels due to health insurance. First, you will not have to worry about paying for or receiving medical care. Second, you can easily focus on a fast recovery. Finally, all you need to do to get treatment is locate a network hospital. These measures make sure that your life savings are not exhausted in case you face any major medical problem.

Discussed below are the major features and benefits of health insurance in Umm al Quwain -

  • Complimentary Medical Check-ups - A Umm al Quwain health insurance plan entitles the policyholder to access routine physical exams at the network hospitals covered under the plan.
  • Reimbursement - Cashless treatment alternatives are only available to healthcare facilities on the network panel. If a policyholder chooses a hospital that is not part of the medical panel, they would be required to use the insurance provider's reimbursement facility.

Note that the insured individual will initially be liable for paying the hospital costs if they are admitted to a facility outside of the network. They can, however, submit the necessary receipts and papers to the insurance company after obtaining treatment to ask for reimbursement for it.

Note: The maximum amount of expenses that can be compensated cannot be greater than the sum insured by the health insurance plan.

  • Cashless Treatment - The policyholder can obtain cashless treatment coverage for their procedure when they are admitted into one of the network hospitals. When admitted to the hospital, they only need to present the policy number - the insurance company will cover the costs of the medical care.
  • Room Rent - In Umm al Quwain, the insured individual may use hospital lodging benefits provided by their health insurance.
  • Ambulance Service - If the insured person opts to use this service while purchasing the plan, the insurance provider will cover all ambulance expenses to the hospital.

Inclusions for Health Insurance in Umm al Quwain

The following are the main benefits included in Umm al Quwain health insurance - 

  • Declared chronic and pre-existing medical disorders (subjected to a waiting period)
  • Treatments provided during hospital stays
  • Regular physical examinations
  • Charges for hospital lodging
  • Neonatal care and maternity coverage (with a waiting period)
  • Necessary immunisations and vaccinations 
  • Cost of ambulance
  • The daycare process
  • Cost of medications
  • Expenses prior to and after hospitalisation
  • Fees for medical consultations
  • Postoperative therapies (like physiotherapy)

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Umm al Quwain Health Insurance Exclusions

The typical services and circumstances that Umm al Quwain health insurance does not cover are listed below - 

  • Obesity medical treatment options include liposuction
  • Cosmetic procedures or hormone replacement
  • Previously unreported medical conditions
  • Injuries or illnesses brought on by self-inflicted violence, suicide attempts, or unlawful acts
  • Any medical care that does not prioritise the health and well-being of the insured person

How to File a Claim for Health Insurance in Umm al Quwain?

In Umm al Quwain, the procedure for making a claim for medical insurance is based on whether you decide to receive treatment at a network hospital (connected to the policy provider) or a non-network facility (not in collaboration with the policy provider). The claim processes for both cases are covered here.

Making a Claim Within the Network Hospital 

In Umm al Quwain, network hospitals work closely with health insurance providers. When receiving care at any of these hospitals, you can request cashless claim settlement by simply notifying the hospital about the plan and providing the necessary information.

The process includes the insurer paying your medical bills and treatment expenses. However, keep in mind that you would be responsible for covering any additional costs if the cost of the therapy exceeded the cashless claim limit.

Claim through a Non-network Hospital

In this case, you would be responsible for paying the hospital's out-of-network treatment fees. After that, you can submit medical costs and other supporting documentation to the insurance company to request reimbursement for the cost of the treatment. The amount of the refund will be determined by the limitations outlined in the insurance provider's policy wording.

How to Apply for Health Insurance in Umm al Quwain?

In Umm al Quwain, submitting an application for health insurance is simple. The best health insurance plans in Umm al Quwain offered by the leading insurance companies in the country can be found on policybazaar.ae, making it simple for you to complete the purchase. The facility to speak with our insurance specialists and receive an objective comparison of the health insurance policies is a significant benefit of our website and can be quite helpful if you are confused.

You can benefit from the following when you get health insurance in Umm al Quwain from Policybazaar UAE -

  • Centralised platform for comparing policies from the best insurance companies
  • 24/7 professional assistance and exceptional client service (available via phone as well as WhatsApp)
  • Unique savings and promotions on the premium amount
  • Best health insurance plans in one place
  • The most economical insurance options

Let’s find out what people are asking about health insurance in Umm al Quwain.

FAQs

What are the necessary documents to file a claim for health insurance in Umm al Quwain?

You must submit the medical bills, the compensation claim form, the diagnostic and lab reports, a copy of the insurance policy information, the doctor's certificate of recommendation, and your banking information in order to submit a claim for health insurance. Note that further documents can be needed as per the insurer's policies.

How many claims can you file during your policy tenure?

While you may submit as many claims as you like during the policy period, you should be aware that the sum insured is the utmost limit allowed by the insurance contract.

Why should you declare your pre-existing medical conditions?

Similar to how patients are urged to be completely honest with their doctors about every aspect of their medical history for precise diagnosis, health insurance policyholders are urged to be honest about any pre-existing conditions for the best possible coverage. This is because the insurance company may nullify the plan as a result of anomalies in the insurance policy and won’t provide coverage for undeclared pre-existing diseases.

What is the scope of health insurance coverage?

The geographical area within which an insurance policy's benefits are usable is known as the scope of coverage.

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