Arthritis is a joint disease that causes pain and inflammation in the joints, making movement and staying active difficult. There are around 100 types of arthritis that occur due to different reasons and have corresponding treatment methods.
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Among all the different milestones that people achieve in their lives, parenthood can be marked as one of the most beautiful and significant ones. This transition from being a couple to parents brings a lot of joy and happiness but also introduces several newfound responsibilities. Planning a family and living the most of it is probably all that one wishes for when it comes to parenthood. With the increasing cost of hospitalisation and pregnancy-related expenses, it can become a bit difficult to find a balance between financial stress and the joy of welcoming your new family member. One easy and smart way to deal with such a situation is maternity insurance. Out of the several options available, you can shortlist the best insurance plan for pregnancy and plan a stress-free parenthood.
With the introduction of the Dubai Health Insurance's Law no. 11 in 2013, the maternity insurance plans witnessed a new phase in the country. Compared to earlier times, availing of the best insurance for pregnancy has become much easier now. Under this law, every employer in Dubai has to mandatorily provide maternity benefits to their employee. Employers in Abu Dhabi must provide at least basic health insurance benefits to employees as well as employees' dependents. The law came into effect in 2016 and since then, managing maternity expenses have become quite effortless. Pregnancy expenses can go beyond AED 20,000. This makes having a maternity insurance cover more than essential.
As the name suggests, maternity insurance covers the cost related to pregnancy. Starting from regular checkups, ultrasound, and medication, to delivery and hospitalisation expenses, everything is covered under maternity insurance. The goal is to provide the needed financial support to the insured so they can have a comfortable pregnancy and healthy postnatal period.
As per the DHA laws of 2013, each and every employee of Dubai is entitled to receive maternity coverage with health insurance dubai plans. Since maternity expense are high, a mandatory cover ensures least possible hassle during maternity phase. It is also interesting to know that the employed women of Dubai have the right to avail of 45 days of maternity leave with full pay.
Pregnancy insurance provides a number of benefits to the insured and her family. No matter which company you choose to purchase maternity insurance from, there are certain basic benefits that come with every maternity plan. These include:
Pregnancy is an expensive matter in Dubai and other emirates as well. Hence, having a maternity insurance plan provides a financial backup so that you don't fall short on money when needed.
Treatment and care at private hospitals are even costlier. So, many may not be able to afford it. However, when you have maternity insurance, it becomes possible to avail the best maternity insurance.
A maternity insurance plan not only covers the mother but also her child. The newborn coverage may vary from company to company.
The general waiting period for maternity insurance plans in Dubai is 6 to 12 months. However, due to rising competition among the insurance companies, some of them have removed the waiting period. Most comprehensive plans only have a waiting period of 40 days only. This means that the insured need not wait before claiming.
Amidst the happiness of welcoming a new life, a family may suffer the burden of hefty medical expenses. It somewhere cuts down the celebrations as well. However, with the help of maternity insurance and its financial aid, one can enjoy every phase of pregnancy without any stress.
Comprehensive pregnancy insurance is entitled to cover almost all aspects of maternity care. If you are planning to get maternity insurance, it is essential that you understand what is covered under a maternity insurance plan-
The maximum copayment rate for maternity covers, as per the DHA law of 2013, can be 10%. The prenatal care coverage provided now is much more than ever before all because of enhanced maternity insurance law. The insurance companies are required to cover a minimum of 8 prenatal appointments and three prenatal scans at the gynecologist. It also covers basic blood tests and regular health check-ups. All these are to ensure that both mother and baby are healthy.
Postnatal care refers to post-delivery care and related expenses. It is most helpful for women with childbirth complications and post-pregnancy health issues. A health insurance plan may also provide post-childbirth cover until the mother is healthy again.
Getting hospitalised during the final days of pregnancy or for delivery is a normal procedure. However, the expenses of hospitalisation can be sky-high. Hence, maternity insurance plans provide hospitalisation expenses cover as well.
Most maternity insurance plans cover normal deliveries, C-sections, terminations and complications during delivery. All expenses related to a covered form of childbirth are included in the plan coverage.
Health insurance companies also offer newborn expenses cover to help the families keep their newborns healthy. The minimum tenure of newborn cover in maternity insurance is 30 days. Some providers may offer a longer newborn cover ranging up to 3 months.
There are some aspects of the maternity expenses that are not covered by most of the maternity insurance companies in Dubai. These include:
Almost all the maternity insurance companies have an age limit for maternity care and cover. After a certain age limit, one may not be entitled to purchase maternity insurance or get covered for pregnancy.
Existing pregnancy expenses are not covered in a new maternity cover unless pre-existing conditions cover requirements have been met.
The expenses incurred out of voluntary abortion or termination of the pregnancy are not covered under the maternity insurance plans. So, if an insured woman goes for wishful abortion, the expenses of medication and hospitalisation shall be covered by herself. However, medically necessary terminations are covered.
Most health insurance companies have fixed the number of births covered under one maternity cover.
C-section delivery or caesarean delivery refers to the surgical delivery of a newborn. If a woman voluntarily chooses C-section delivery over normal delivery, the expenses incurred will not be covered. Only medically necessary C-sections are covered.
As there are several options available, it can be a tricky task to get the best health insurance for pregnancy. However, some certain tips and tricks can help you choose the best insurance for pregnancy. Follow the below given tips to find your ideal maternity plan:
Policybazaar.ae provides you with a platform where you can have all leading health insurance companies in Dubai and their top plans at your disposal. You can easily compare several maternity insurance plans and choose the best one for yourself.
Now let us take a look at the best health insurance plans that offer maternity insurance in UAE and the special maternity features offered by them:
(A) Takaful Emarat Silver Health Insurance Plan
(B) Takaful Emarat Platinum Health Insurance Plan
(A) Adamjee Family Care - Silk Road
Adamjee Family Care plan offers worldwide coverage for emergency as well as elective treatment.
(B) Adamjee Family Care - Emarald
Adamjee Family Care plan offers coverage for medical emergencies as well as elective treatments.
(A) Care Bronze DNE Without Dental
(B) Care Bronze DNE with Dental
(A) Shifa Silver Opt - 1
(B) Shifa Bronze Opt - 1
(A) Silver Classic
(B) Silk Road
Planning a family is a matter of great joy, however, planning your finances is an integral part of good parenting. Investing in a good plan at the right time, therefore, is crucial. Different policies offered by different insurance companies provide a wide range of benefits that are exclusive to each policy. Before opting for any insurance policy, make sure to read the fine print for all the policy details, terms, and conditions. Policybazaar.ae allows you to take into account the features of each plan that suits you. You can browse through different maternity plans and make a well-thought-of decision for your family.
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