Dubai National Insurance (DNI) Critical Illness Health Insurance

Q: Q1. Who all can benefit from critical illness health insurance?

Ans: A critical illness policy/rider is highly advantageous for those who want to be cautious about specific health conditions, especially if they have a medical history. It is especially valuable for primary breadwinners who cannot afford the financial burden of a critical illness. This insurance plan offers financial security when facing illness and the responsibility of supporting their family simultaneously. It ensures that sufficient funds are available for medical treatment and daily expenses during challenging times.

Q: Q2. Is critical illness cover available for children?

Ans: Certain insurance policies may provide coverage for critical illnesses in children from birth up to a specific age.

When it comes to safeguarding your health, having robust insurance coverage is crucial, especially for critical illnesses. A leading provider of health insurance in the UAE is Dubai National Insurance & Reinsurance PSC (DNIR).read more

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While Dubai National Insurance may not offer a specific critical illness health insurance plan, it goes the extra mile by providing comprehensive health insurance plans that extend coverage for certain critical diseases. By focusing on a wide range of medical conditions, the insurance company ensures that policyholders receive essential financial support during challenging times.

In this write-up, we will understand the health insurance plans of Dubai National Insurance, exploring the scope of coverage for critical illnesses under their comprehensive health plans and critical illness health insurance in general.

What is Critical Illness?

Critical illnesses, often labelled as dreaded diseases, refer to a pre-defined category of conditions covered by certain insurance policies. Critical illness insurance plans provide a lump sum cash payment to the policyholder upon the diagnosis of any specific illness mentioned in the predetermined list.

Commonly referred to as critical illness cover, this type of insurance offers crucial financial support to individuals facing the challenges of severe medical conditions. In times of distress, having a critical illness policy can be a lifeline, ensuring that policyholders receive the necessary financial assistance when it is required the most.

Critical illness insurance provides a crucial safety net against a range of life-threatening diseases. It ensures that you are shielded from the crippling expenses that come with severe health conditions. This specialised coverage is thoughtfully designed to protect you from the financial burden that such illnesses can impose, giving you peace of mind and confidence in your healthcare journey.

By adding the critical illness insurance cover to your existing health coverage, you can take a smart and proactive step towards safeguarding your financial well-being. The coverage spans various major illnesses such as kidney failure, heart attack, paralysis, cancer, and more, offering comprehensive support during times of medical crisis.

With this invaluable insurance in place, you can focus on recovery without worrying about the financial strain of medical expenses.

Why Should You Opt for a Critical Illness Cover?

Critical illness insurance can be obtained individually or through your employer, with several companies offering it as a voluntary benefit. Another option is to add it as a rider to your existing life insurance plan — this can provide you with similar benefits at a more affordable cost.

Companies are increasingly recognising employees' concerns about high out-of-pocket expenses in high-deductible plans, which has led to the inclusion of critical illness plans in their offerings. Unlike other healthcare benefits, workers typically bear the entire cost of critical illness health insurance plans, making it a cost-effective solution for both companies and employees.

The payout funds can be utilised for various purposes such as covering critical medical services not available elsewhere, paying for treatments not covered by traditional policies, or handling daily living expenses.

This financial support enables critically ill individuals to focus on their recovery rather than worrying about bills. Additionally, the money can be used for transportation expenses related to treatment centres or getting vehicles and homes for those with mobility challenges.

For terminally ill patients or those in need of restful recuperation, critical illness insurance can also be used to finance a vacation with loved ones.

Common Illnesses Covered Under Critical Illness Health Insurance

Here is a list of the common critical illnesses covered under critical illness health insurance plans -

Heart attack
Kidney failure
Stroke
Cancer
Heart valve replacement due to defects in the body

Aorta surgery using thoracotomy or laparotomy
Major organ transplantation - heart, lungs, kidney, liver, or bone marrow
Multiple sclerosis
Permanent or total deafness
Permanent or total blindness
Paralysis
Coma
Third-degree burns
Chronic lung disease
Chronic liver disease
Muscle dystrophy
Benign brain tumour
Poliomyelitis
Brain surgery
Major head trauma
Motor neuron disease
Alzheimer’s disease
Parkinson’s disease
Pulmonary Arterial Hypertension
Permanent loss of speech
Hepatitis
Encephalitis

General Exclusions of Critical Illness Health Insurance

Let’s take a look at the general exclusions of critical illness health insurance -

Injuries or illnesses due to any form of military operations
Injuries or illnesses arising from wars or acts of terror
Healthcare services for injuries and conditions caused by nuclear or chemical contamination
Injuries resulting from natural disasters such as earthquakes, tornados, and any other types of natural calamities
Injuries resulting from criminal acts or resisting authority by the insured individual
Injuries resulting from a road traffic accident

DNI Network Hospitals

Dubai National Insurance (DNI) Network Hospital in Abu Dhabi

Dubai National Insurance (DNI) Network Hospital in Ajman

Dubai National Insurance (DNI) Network Hospital in Al Ain

Dubai National Insurance (DNI) Network Hospital in Dubai

Dubai National Insurance (DNI) Network Hospital in Fujairah

Dubai National Insurance (DNI) Network Hospital in Ras Al Khaimah

Dubai National Insurance (DNI) Network Hospital in Sharjah

Dubai National Insurance (DNI) Network Hospital in Umm Al Quwain

Comprehensive DNIRC Health Insurance Plans with Critical Illness Cover

Check out the table below for the comprehensive health insurance plans from Dubai National Insurance that might offer critical illness cover -

Plan Name	Benefits
Green	Annual Medical Cover - AED 1,000,000 Pharmacy Limit - Up to the medical cover Medical Network - MEDNET Green Pre-existing Medical Conditions - Covered up to the limit of AED 150,000 (only declared pre-existing medical conditions are covered) Hospitalisation Class - Private Room Hospitalisation Accommodation and Associated Services - Covered Fees for Consultants, Anaesthetists, and Surgeons - Covered Charges for Recipient’s Organ Donation - Covered Medical Equipment Usage - Covered Repatriation of the Mortal Remains to the Native Land - Up to AED 7,500 Diagnostics and Laboratory Tests - Covered Physiotherapy - Covered Day Care Treatment - Covered Outpatient Surgery - Covered Emergency Mental Health Treatment - Covered Newborn Baby Coverage - Covered as per Newborn Guidelines from Dubai Health Authority (DHA) Cancer Treatment (Screening, Investigations, Healthcare Services, and Treatments only for Members Registered under the ‘Patient Support Program’) - Covered as per the terms of the program defined by the DHA HCV Hepatitis C Virus Infection (Screening, Investigations, Healthcare Services, and Treatments only for Members Registered under the ‘Patient Support Program’) - Covered according to the terms of the program by the DHA Psychiatry and Mental Health - Covered up to the limit of AED 10,000 per annum Alternative Medicine Benefit (Ayurveda and Homeopathy) - Covered up to AED 2,500 per member per year Influenza Vaccine - Covered
Silver Classic	Annual Medical Cover - Up to AED 1,000,000 Pharmacy Limit - Up to the Medical Cover Limit Medical Network - MEDNET Silver Classic Pre-existing Medical Conditions - Covered up to the limit of AED 150,000 (only declared pre-existing medical conditions are covered) Hospitalisation Class - Private Room Hospitalisation Accommodation and Associated Services - Covered Fees for Consultants, Anaesthetists, and Surgeons - Covered Charges for Recipient’s Organ Donation - Covered Medical Equipment Usage - Covered Repatriation of the Mortal Remains to the Native Land - Up to AED 7,500 Diagnostics and Laboratory Tests - Covered Physiotherapy - Covered Day Care Treatment - Covered Outpatient Surgery - Covered Emergency Mental Health Treatment - Covered Newborn Baby Coverage - Covered as per Newborn Guidelines from the DHA Cancer Treatment (Screening, Investigations, Healthcare Services, and Treatments only for Members Registered under the ‘Patient Support Program’) - Covered as per the terms of the program defined by the DHA HCV Hepatitis C Virus Infection (Screening, Investigations, Healthcare Services, and Treatments only for Members Registered under the ‘Patient Support Program’) - Covered according to the terms of the program defined by the DHA Psychiatry and Mental Health - Covered up to the limit of AED 10,000 per annum Alternative Medicine Benefit (Homeopathy and Ayurveda) - Covered up to AED 2,500 per member per year Influenza Vaccine - Covered
Silver Premium	Annual Medical Cover Limit - AED 1,000,000 Pharmacy Limit - Up to the Medical Cover Medical Network - MEDNET Silver Premium Pre-existing Medical Conditions - Covered up to the limit of AED 150,000 (only declared pre-existing medical conditions are covered) Hospitalisation Class - Private Room Hospitalisation Accommodation and Associated Services - Covered Fees for Consultants, Anaesthetists, and Surgeons - Covered Charges for Recipient’s Organ Donation - Covered Medical Equipment Usage - Covered Repatriation of the Mortal Remains to the Native Land - Up to AED 7,500 Diagnostics and Laboratory Tests - Covered Physiotherapy - Covered (15 sessions per year per member) Day Care Treatment - Covered Outpatient Surgery - Covered Emergency Mental Health Treatment - Covered Newborn Baby Coverage - Covered as per Newborn Guidelines from the DHA Cancer Treatment (Screening, Investigations, Healthcare Services, and Treatments only for Members Registered under the ‘Patient Support Program’) - Covered as per the terms of the program outlined by the DHA HCV Hepatitis C Virus Infection (Screening, Investigations, Healthcare Services, and Treatments only for Members Registered under the ‘Patient Support Program’) - Covered in accordance with the terms of the program as defined by the DHA Psychiatry and Mental Health - Covered up to the limit of AED 10,000 per annum Alternative Medicine Benefit (Ayurveda and Homeopathy) - Covered up to AED 2,500 per member per year Influenza Vaccine - Covered
Gold	Medical Cover - Up to AED 1,000,000 per annum Pharmacy Limit - Up to the Medical Cover Medical Network - MEDNET Gold Pre-existing Medical Conditions - Covered up to the limit of AED 150,000 (only declared pre-existing medical conditions are covered) Hospitalisation Class - Private Room Hospitalisation Accommodation and Associated Services - Covered Fees for Consultants, Anaesthetists, and Surgeons - Covered Charges for Recipient’s Organ Donation - Covered Medical Equipment Usage - Covered Repatriation of the Mortal Remains to the Native Land - Up to AED 7,500 Diagnostics and Laboratory Tests - Covered Physiotherapy - Covered (15 sessions per year per member) Day Care Treatment - Covered Outpatient Surgery - Covered Emergency Mental Health Treatment - Covered Newborn Baby Coverage - Covered as per Newborn Guidelines from the DHA Cancer Treatment (Screening, Investigations, Healthcare Services, and Treatments only for Members Registered under the ‘Patient Support Program’) - Covered according to the terms of the program defined by the DHA HCV Hepatitis C Virus Infection (Screening, Investigations, Healthcare Services, and Treatments only for Members Registered under the ‘Patient Support Program’) - Covered as per the terms of the program defined by the DHA Psychiatry and Mental Health - Covered up to the limit of AED 10,000 per annum Alternative Medicine Benefit (Homeopathy and Ayurveda) - Covered up to AED 2,500 per member per year Influenza Vaccine - Covered

Things to Consider When Applying for a Critical Illness Health Insurance Plan

Here are some important points to keep in mind before purchasing critical illness insurance cover -

Age Factor - As a person’s age increases, the likelihood of encountering critical illnesses like heart stroke, diabetes, and paralysis also rises. The medical expenses for treating such conditions are significantly higher than normal treatments. For this reason, obtaining insurance for such uncertainties is vital for financial security. Seniors or families with senior citizens should seriously consider a critical illness insurance policy.
Present Health Status - The stress of a hectic lifestyle can lead to serious diseases in the future. Individuals working in high-pressure environments should consider this policy to ensure financial protection. Your current health condition and lifestyle play a crucial role in determining the need for critical illness insurance. If there is a family history of critical illnesses, early coverage is advisable.
Future Medical Costs - While some might believe that they can manage medical expenses based on their current earnings, it's essential to consider future financial conditions and lifestyle changes when buying insurance. Critical illness insurance provides extensive coverage at an affordable premium, making it a good option to secure adequate coverage for yourself and your loved ones.
Policy Premium - While critical illness insurance policies are typically available at affordable premiums, the rates may vary among insurers. Comparing premiums from different companies allows you to maximise coverage at the lowest cost, making a significant difference over time. Online platforms like Policybazaar.ae enable easy comparison of premiums offered by various insurance providers.
Insurance Company’s Reputation - Selecting a reputed insurance provider is crucial for hassle-free claim settlements. For this, you can check if the insurer offers easy and prompt claim settlement processes, customer-centric services, and includes preferred hospitals in their network. Read customer reviews to assess the reputation and quality of services of the top insurance providers.
Convenience - It is advisable to opt for insurers that offer seamless online purchase and renewal of critical illness policies to save time and money. Flexible policies that accommodate changes in family size or lifestyle are also advantageous.
Exemptions, Exclusions, and Terms & Conditions - Before buying a policy, extensively review the list of exclusions, exemptions, and terms & conditions. Make sure that any particular critical illnesses for which you seek coverage are included in the policy.

This diligence will help you avoid future disputes and ensure that your policy matches your specific requirements.

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Frequently Asked Questions

Ans: A critical illness policy/rider is highly advantageous for those who want to be cautious about specific health conditions, especially if they have a medical history. It is especially valuable for primary breadwinners who cannot afford the financial burden of a critical illness.

This insurance plan offers financial security when facing illness and the responsibility of supporting their family simultaneously. It ensures that sufficient funds are available for medical treatment and daily expenses during challenging times.

Ans: Certain insurance policies may provide coverage for critical illnesses in children from birth up to a specific age.

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