Health Insurance

An individual should not get confused while selecting a health insurance policy in Dubai for them or their family, as we are here to solve the problem. Policybazaar.ae has made it really simple to compare different health insurance policies online and find out the plans of the customers’ requirements. So, the buyer doesn’t have to wait, s/he just have to answer a few questions on our website and grab a real-time data from the insurance providers to find the most suitable plan.

Why choose us:

  • Health insurance from top insurance providers at a very affordable price
  • Unbiased and personalized quotes from the insurance providers that meet the need of a customer
  • Assistance in the claim process
  • Free customer support for 7 days in a week and 365 days in a year

The Need for taking a Health Insurance Plan

It is not only the costs of medical treatment that are rising high regularly, but also the frequency of occurrence of health issues are also increasing day-by-day. Disease like high blood pressure and diabetes are the common problems of this time, and hence the chances of their related health problems are high these days. Sudden illness and medical emergencies can come to anyone and can affect a person not only financially, but also emotionally. Therefore, it is always good for an individual to safeguard him/her and their family against various health problems by taking a suitable health insurance policy.

Health Insurance Types:

Some of the common health insurance types that most of the leading health insurance companies in UAE offer are:

Individual Health Insurance Policy:

In this type of health insurance policy, an individual insured gets the benefits against certain health issues. It provides advantages such as easy reimbursement, cashless treatment, pre and post hospitalization costs, and some other added advantages. However, the complete sum assured is available for an individual person only.

Family Health Insurance Plan:

To include the family members in the health insurance policy, take this plan. In this plan, the entire family is covered under the same umbrella of only one health cover. These policies are also known as family floater healthcare plans.

Critical Illness Health Insurance Plan and Surgery:

This plan under the health insurance policy is brought as a standalone plan or can be taken as a rider with some other health insurance policy. Under this plan various critical illnesses like kidney failure, cancer, paralysis, heart attack, etc. are covered.

Cover against Personal Accidents:

Generally, the insurance providers offer personal accident plans as riders. They cover the cost of medical expenses and hospitalization when an insured encounters an accident.

Maternity Health Insurance:

Most of the medical insurance policies under a maternity health insurance plan cover post and pre-natal care and childbirth. However, some plans include newborn’s vaccination as well. Some policies also offer fees for transportation to the network hospital of the choice of the insured.

Preventive Healthcare Plan:

Under preventive health-care plans, one gets the benefits of regular health check-ups, diagnostic tests, doctor’s consultation, etc.

Common Inclusions of a Health Insurance Policy

The common inclusions that most of the health insurance providers cover in their health insurance policy are:

Cashless Treatment in Network Hospitals:

Almost all the health insurance providers have tie-ups with various hospitals across UAE/Dubai. And if an insured is hospitalized in any of the network hospitals of his/her insurance provider, then he/she does not have to pay anything. All an insured needs to do is to mention the policy number and the rest of the things are taken care by the hospital and the insurance provider.

Fees of the Ambulance:

The fees for the transportation to the hospital and from the hospital to home are also covered. So an insured need not worry about this expense as well.

Pre and Post Hospitalization Expenses:

Some of the health insurance policies also cover the pre and post hospitalization expenses. However, the pre and post hospitalization is offered only for a specified number of days.

No Claim Bonus (NCB):

One of the best features of most of the health insurance policies of UAE is the facility of ‘No Claim Bonus’. According to this feature, if an insured has not taken any claim in the previous policy year, then he/she will be entitled with some bonus.

Room Rent According to Sub-Limits of Health Insurance:

The expenses of room rent are also taken care of by the health insurance provider, but that is according to the policy that an insured has taken.

Medical Checkup:

Some medical insurance plans also cover regular medical checkups. Some insurance providers also offer free medical check-ups to the insured that have a good history of No Claim Bonus.

Covers Pre-Existing Disease:

If one wants, he/she can take medical cover against pre-existing disease like kidney problems, heart issues, etc.    

Common Exclusions of a Health Insurance Policy:

Though different health insurance policies have different exclusions, some of the common exclusions are:

  • Injuries and illnesses arising due to the intake of alcohol or drug.
  • AIDS and sickness arising because of AIDS are not covered.
  • All the non-allopathic treatments like Ayurvedic treatment and Homeopathy are not covered.
  • Congenital diseases are not covered.
  • The treatment and consultation expenses of all the pre-existing diseases are not covered under the policy if they are taken before the inception of the health insurance policy.

Claim Process:

The common steps of the claim process of a health insurance plan are:

For Planned Cashless Hospitalization in Network Hospital:

In this case, an insured has to inform the network hospital beforehand. The insurance provider must be informed at least 4 days before the start date of the treatment. A form for cashless claim request must be submitted to the insurance provider – by email, post, or fax. As soon as these steps are completed, the insurance provider informs the insured and the network hospital as well. On the day of hospitalization, the policyholder will have to show his/her health insurance card and the confirmation letter from the insurance company.   

For Emergency Cashless Hospitalization in Network Hospitals:

In case of an emergency hospitalization, an insured can get the cashless treatment in his/her nearest network hospital only by displaying his/her health insurance card. In this case, the hospital fills the claim insurance form and submits all the relevant documents to the insurance provider via email, post, or fax. After this, the insurance provider issues an authorization letter to the hospital indicating the policy eligibility and cover. The insurance provider will directly pay all the medical expenses to the network hospital. However, if the claim is rejected, the insured gets a letter from explaining the cause of rejection.

For Medical Reimbursement:

If an insured opts to take the medical treatment in non-network hospitals, then he/she has to pay all the expenses by him/herself. However, the policyholder gets the reimbursement from the insurance company. To avail the reimbursement facility, an insured has to provide all the necessary documents to the insurance provider. The insurance company reviews these documents and makes the payment to the policyholder. If any disease or treatment is not covered under the policy, then it will be rejected. However, the insurance provider gives the reason for the rejection.

Factors to Consider Before Buying a Health Insurance Plan:

Anyone who is planning to purchase a health insurance policy must consider the below-mentioned points in mind:

Claim Settlement Ratio:

This is one of the most important criteria while selecting a health insurance policy. It is suggested to select a company that has a good claim settlement ratio to avoid future hassles while filing the claim.

The Network of Cashless Hospitals:

Check the list of the hospitals covered by the health insurance policy that the buyer is planning to buy. Make sure it is covering one of the nearby hospitals.

Policy Renewal Process:

Most of the health insurance policies have an annual contract. Once the term of the policy ends, the insured has to settle the premium, to continue the policy. It is a recurring process and known as policy renewal. The individual must ensure that the policy is renewed continuously in order to get its benefits. Moreover, he/she must make sure that the insurance provider that they are selecting has hassle-free renewal process.

The Scope of the Cover:

One should not go with a health insurance policy that is available in low premium rates. Instead, he/she must select a plan that covers all their expectations with health insurance.   

Portability of the Health Insurance:

It is advised to select a health insurance policy that provides the feature of portability. Earlier a policyholder of a health insurance policy has to stick to a policy to get the advantages. However, the scenario has changed now, as one has all the freedom to switch from one insurance provider to another. But, the buyer must make sure their health insurance provider is covering this feature. Most of the insurance companies provide this feature free, but some charge fees. So, the policyholder must ensure that they do not have to pay the portability fees in the future.

Floater Size:

For a family health insurance policy, one must consider the size of their family. If the buyer is a married person with kids and dependent parents and parents-in-law, then he/she must select a family floater plan accordingly.

Waiting Period:

According to the norms of insurance, every insured has to serve a pre-defined waiting period in order to avail the policy benefits. If the buyer is taking a policy for some pre-existing disease, then selecting the minimum waiting period is recommended. So, select a policy accordingly.

Top-Up Plans:

With a significant rise in medical inflation, having a medical insurance policy that provides a large medical cover is necessary. However, not everyone is able to pay the high premiums of medical insurance policies, and at that time, the need for top-up plans comes into the picture. A top-up plan is a plan that reduces the cost of the deductibles or the portion of the claim that one pays willingly. These deductibles are paid against the damages before the insurer compensates the rest according to the sum assured. By taking a top-up policy, an insured does not pay until the hospital breaks its defined limit. In this way, a top-up plan is considered as an affordable alternative than a standalone medical insurance policy.       

How PolicyBazaar.ae Helps to Get the Best Health Insurance Policy Online?

It is really easy to compare health insurance policies online on Policybazaar.ae. This insurance web aggregator compares various health insurance policies by asking few questions to you and hence gives the most suitable option. So, instead of going to various different websites and comparing health insurance policies, it is suggested to opt PolicyBazaar.ae for selecting the best option for you.

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