Best Health Insurance Plans for Cancer Patients in the UAE

Cancer is one of those severe illnesses that affect the patient physically, mentally, and emotionally. It can happen to anyone due to several reasons, with family history and unusual lifestyle being among the several factors associated with it. If you or any of your family members are a cancer patient, you must try to take a health insurance policy in order to receive quality treatment and save yourself from the massive cancer treatment costs.

A key aspect to note here is that cancer insurance plans are the same for medically-fit and existing cancer patients. The only difference between these two is that existing cancer patients need to pay loading charges at the time of comprehensive health insurance plan purchase.

Having said that, there are several features that you must consider when buying a cancer insurance policy for existing cancer patients, which should be then followed by searching for top cancer insurance plans available in the UAE. This article covers that and much more, which will also help you choose a suitable cancer insurance plan based on your medical and financial preferences.

Features and Benefits of a Cancer Insurance Policy

Here is a list of major benefits and features the cancer insurance plans in the UAE offer.

Ambulance Services: Most cancer insurance plans offer free-of-cost ambulance services to help patients reach the hospital on time in case of an emergency.
Worldwide Coverage: Cancer insurance policies in the UAE offer worldwide coverage for policyholders, meaning that the policyholder can avail of medical care services at any of the insurer’s network hospitals in the world.
Lump-Sum Amount: The insurance companies offering cancer insurance plans in the UAE provide lump-sum coverage amount to help policyholder pay for their cancer treatment expenses.
Hospitalisation Benefits: Cancer insurance policies in the UAE offer hospitalisation benefits like doctor’s consultations, private rooms, diagnostics & tests, prescribed medicines cover, and much more for cancer patients.
Add-Ons: With cancer insurance plans in the UAE, one can receive various useful add-ons for extended coverage and the maximum utilisation of the benefits. Make sure you get the list of add-ons from your chosen insurer.

Things to Consider Before Buying a Cancer Insurance Policy

Here are a few things you must look for when buying a cancer insurance policy.

Waiting Period: Most cancer insurance plans come with a waiting period requirement of about 60 days. The policyholder needs to wait for the specified waiting period to be over before they would be eligible to file a claim. For the claims filed within the waiting period, policyholders do not get their cancer treatment covered.
Cancer Stages: It is crucial to remember that not all cancer insurance plans cover all the cancer treatments and stages. Thus, you should make sure to check with your insurer the type of coverage they offer or if you can extend the same by including add-ons health insurance based on your current medical condition.
Claims Process: Checking the chosen insurance provider’s claims process and settlement ratio is necessary to make an informed choice. The provider must have a quick and easy claims process along with a good settlement ratio. If the company scores satisfactorily on these aspects, you will get all the cancer treatment bills covered without any hassle.
Coverage: Make sure that you check the type of coverage offered by the insurance company with your chosen cancer insurance policy. While most health plans for cancer patients offer worldwide coverage with a wide range of benefits and features, some plans may not, which may then lead to difficulties in such uncovered situations.
Exclusions: Most cancer insurance policies come with a list of exclusions. Don’t forget to gather information about them, as the list helps you understand that all cancer cures or treatments will not be covered in your cancer patients’ health insurance.

Why You Must Buy a Cancer Insurance Plan

Cancer Treatment is Expensive: The cost of cancer treatment in the UAE and the world is quite high. Arranging money could be immensely stressful when your loved ones are struggling with the disease. Consequently, you must first analyse your medical condition and choose the cancer insurance plan based on the current stage and type of cancer. You can consider going through some tests and cancer treatments.
A Regular Income: Several cancer insurance plans in the UAE not only provide medical insurance cover against cancer treatment and other bills but also give a monthly income for the patient to deal with monthly financial requirements.
Coverage for All Cancer Types: Most cancer insurance plans offer coverage for all types of cancers like liver cancer, breast cancer, lung cancer, etc., across most of their stages. This helps you receive quality cancer treatment irrespective of the stage you are on.
Additional Costs: There are various other expenses including the diagnostics and tests for cancer patients. Having health insurance for cancer patients can help you get the required medical treatment without any hassle.

Best Plans for Cancer Patients in UAE

Not all the insurance companies in the UAE offer cancer insurance plans. Orient Insurance is one of the companies that do. Keep reading to know more about the details of the cancer insurance plan.

Orient Cancer Health Insurance Plans

Benefits	Health Plus Plan 1	Health Plus Plan 2	Health Plus Plan 3	Health Plus Plan 4	Health Plus Plan 5
Aggregate Annual Limit	AED 1 Million	Dubai - AED 1 Million Abu Dhabi - AED 750,000	Dubai - AED 1 Million Abu Dhabi – AED 500,000	Dubai - AED 1 Million Abu Dhabi – AED 300,000	Dubai - AED 1 Million Abu Dhabi – AED 250,000
Medical Network	NEXTCARE GN+	NEXTCARE GN	NEXTCARE RN	NEXTCARE RN2	NEXTCARE RN3
Room type	Private	Private	Private	Private	Semi-Private
Parent Accommodation for child under 18 years of age	AED 450 / day	AED 400 / day	AED 350 / day	AED 250 / day	AED 150 / day
Accommodation of an accompanying person in the same room	AED 450 per day	AED 400 per day	AED 350 per day	AED 250 per day	AED 150 per day
Alternative Medicines/ therapies	AED 2,500 per person per annum	AED 2,000 per person per annum	AED 1,500 per person per annum	AED 1,000 per person per annum	Not Covered
Psychiatric Treatment	Out Patient - Up to AED 3,000 per person per annum In Patient - Up to AED 10,000 per person per annum	Out Patient - Up to AED 3,000 per person per annum In Patient - Up to AED 10,000 per person per annum	Out Patient - Up to AED 1,500 per person per annum In Patient - Up to AED 6,000 per person per annum	Out Patient - Up to AED 1,500 per person per annum In Patient - Up to AED 6,000 per person per annum	Not Covered
Home Nursing following inpatient treatment	Up to AED 7,500 per person per annum	Up to AED 7,500 per person per annum	Up to AED 5,000 per person per annum	Up to AED 5,000 per person per annum	Not Covered
Cash Indemnity for In-Patient hospitalizations	Reimbursement up to AED 300 per night and a maximum of 10 nights	Reimbursement up to AED 300 per night and a maximum of 10 nights	Reimbursement up to AED 250 per night and a maximum of 10 nights	Reimbursement up to AED 250 per night and a maximum of 10 nights	Reimbursement up to AED 200 per night and a maximum of 10 nights
Prescribed Drugs & Medicines	Up to AED 15,000 subject to 15% Co-Insurance	Up to AED 10,000 subject to 15% Co-Insurance	Up to AED 7,500 subject to 15% Co-Insurance	Up to AED 5,000 subject to 15% Co-Insurance	Up to AED 5,000 subject to 15% Co-Insurance
Physiotherapy	Dubai - 20 sessions per member per annum Abu Dhabi - Covered	Dubai - 20 sessions per member per annum Abu Dhabi – Covered	Dubai - 15 sessions per member per annum Abu Dhabi - Covered	Dubai - 10 sessions per member per annum Abu Dhabi - Covered	Dubai - 8 sessions per member per annum Abu Dhabi - Covered
Pre-existing & Chronic Conditions	Dubai - Up to a limit of AED 150,000 per member per year Abu Dhabi - Limit declared in the medical application form	Dubai - Up to a limit of AED 150,000 per member per year Abu Dhabi - Covered	Dubai - Up to a limit of AED 150,000 per member per year Abu Dhabi - Covered	Dubai - Up to a limit of AED 150,000 per member per year Abu Dhabi - Covered	Dubai - Up to a limit of AED 150,000 per member per year Abu Dhabi - Covered
In-patient maternity services	Dubai - Subject to 10% coinsurance, up to AED 20,000 Abu Dhabi - Covered	Dubai - Subject to 10% coinsurance, up to AED 20,000 Abu Dhabi - Covered	Dubai - Subject to 10% coinsurance, up to AED 12,500 Abu Dhabi - Covered	Dubai - Subject to 10% coinsurance, up to AED 12,500 Abu Dhabi - Covered	Dubai - Subject to 10% coinsurance, up to AED 7,000 for normal delivery and up to AED 10,000 for medically necessary C-Section, termination and complications Abu Dhabi - Covered
Out-patient maternity services	Dubai - Subject to 10% coinsurance, and a maximum of 15 visits and 8 ante-natal ultrasound scans Abu Dhabi - Covered	Dubai - Subject to 10% coinsurance, and a maximum of 15 visits and 8 ante-natal ultrasound scans Abu Dhabi - Covered	Dubai - Subject to 10% coinsurance, and a maximum of 12 visits and 6 ante-natal ultrasound scans Abu Dhabi - Covered	Dubai - Subject to 10% coinsurance, and a maximum of 12 visits and 6 ante-natal ultrasound scans Abu Dhabi - Covered	Dubai - Subject to 10% coinsurance, and a maximum of 10 visits and 4 ante-natal ultrasound scans Abu Dhabi - Covered
Dental Benefit	Up to AED 3,000 subject to 20% Co-pay (Optional)	Up to AED 3,000 subject to 20% Co-pay (Optional)	Up to AED 2,500 subject to 20% Co-pay (Optional)	Up to AED 1,500 subject to 20% Co-pay (Optional)	Not Covered
Optical Benefits	20% Co-pay and up to AED 1,500 (Optional)	20% Co-pay and up to AED 1,500 (Optional)	20% Co-pay and up to AED 1,250 (Optional)	20% Co-pay and up to AED 1,000 (Optional)	Not Covered

Additional Benefits Offered by Orient Cancer Insurance Plans

Here is a list of additional benefits that Orient cancer insurance policyholders can receive.

Cancer Treatment: Orient cancer insurance policies offer cancer treatment benefits based on the terms and conditions prescribed by the Dubai Health Authority.
Diagnostics: Orient cancer insurance policies cover diagnostics and tests such as X-ray, MRI, CT-Scan, and Ultra Sound, with a 10 per cent co-payment.
Ambulance Cover: With Orient cancer insurance policies, one can use ambulance services to help patients reach the hospital on time and get the required medical assistance in case of an emergency.
Worldwide Coverage: Orient cancer insurance policies allow access to medical coverage for policyholders at any location in the world. No matter which country you are travelling to, if you have an Orient network hospital there, you can get the required medical assistance by simply showing your insurance card.
Other Benefits: Orient cancer insurance policies also cover various other benefits like maternity cover, dental cover, optical cover, and more.

Key Takeaways

Make sure that you check all the terms and conditions of your chosen cancer insurance policy to understand the type of coverage you will get.
Explore all your options in detail before buying a cancer insurance plan.
Don’t forget to go through the schedule of fees and charges of your chosen cancer insurance policy.
Get in touch with us in case you need further assistance.