Benefits Provided to Breast Cancer Patients under Health Insurance Plans

After talking at length about whether breast cancer is covered by health insurance policies from the providers in the UAE, it is now crucial to know the scope of coverage they would get.

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This serial write-up sheds light on the benefits offered to insured breast cancer patients. Keep reading on for further details.

First Things First - Why is a Health Insurance Plan Required to Cover Breast Cancer?

It is well known that getting treated for any kind of cancer, including breast cancer, is an expensive ordeal. With a health insurance plan, the insured can get financial coverage if diagnosed with such a disease. Before getting a plan, however, it is important to ensure that the insured does not have any undeclared symptoms.

With that said, here are some major points as to how health insurance plays a key role in covering serious illnesses like breast cancer -

Helps in Covering the Whooping Treatment Costs -

The expense of cancer treatment fluctuates based on the type of treatment and the stage of the cancer. Dubai certainly boasts top-tier medical facilities equipped with cutting-edge expertise and technology. Nonetheless, managing cancer typically involves an extended and potentially expensive journey.

Even the most basic health insurance plans in Dubai now include coverage for three forms of cancer treatment. This provides a clear advantage by granting all residents and expatriates access to these treatments.

Covers Additional Costs -

When opting for cancer insurance plans in the UAE, you can access a range of valuable supplementary features to enhance your coverage and fully leverage the benefits. Make sure to obtain the list of these additional options from your selected insurance provider.

Benefits Offered

Here is a rundown of the benefits that a cancer patient (including a breast cancer patient) gets if they have a health insurance plan -

  • Ambulance Services - The insured gets free-of-charge ambulance services to reach the network hospital on time if an emergency arises.
  • Diagnosis - Some insurance providers also offer coverage for diagnostics including mammography, ultrasound, CT scan, and other disease-related diagnostic tests. Early detection and diagnosis cover help in detecting the risk of illness.
  • Worldwide Coverage - Most health insurance plans for breast cancer provide international coverage. This means that the insured patient can get treated at any of the network hospitals located around the world.
  • Hospitalisation Benefits - The insured breast cancer patients are covered for all the hospitalisation benefits including cover for treatment, diagnostics, prescribed medication, accommodation, and oncologists' consultation.
  • Treatment Benefits - The cancer treatment cover depends on the stage of cancer and the severity of the disease. The treatment types include radiotherapy, medication, chemotherapy, and surgery. Some plans also cover the rehabilitation process and offer coverage for services like nutrition intervention, psychology, and physiotherapy.

In a Nutshell

You can effortlessly get most treatments and diagnostic tests covered under a health insurance plan with breast cancer coverage. However, cancer insurance policies include a waiting period of approximately 60 days. During this waiting period, policyholders are required to wait before they become eligible to submit a claim. Any claims made within this waiting period will not cover the cost of cancer treatment.

Furthermore, when getting a health insurance plan with breast cancer coverage, it is important to check the claim settlement process. It's also crucial to assess the claim procedure and settlement performance of the selected insurance provider in order to make an informed decision.

The insurance provider should offer an efficient and straightforward claims process, coupled with a strong settlement track record. When the company excels in these areas, you can rest assured that your cancer treatment expenses will be fully covered without any complications.

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