Health insurance sharjah policy essentially covers the costs of medical care, whether it's due to illness or an injury. When unexpected medical situations arise or specific treatments are needed, your Sharjah health insurance plays a vital role in managing these expenses.
Health Insurance in Sharjah is a contract between you and a health insurer. This agreement ensures financial protection against medical expenses in case of illness or injury. When you have health insurance Sharjah, the insurer covers the costs of medical treatments as specified in your policy.
Health insurance in Sharjah covers a wide array of medical services. These include inpatient treatments like surgeries and hospital stays, outpatient services such as doctor visits and diagnostics, and usually maternity and newborn care.
Best & Cheapest Health Insurance in Sharjah
The following table lists the top health insurance plans in Sharjah -
In Sharjah, health insurance regulation is overseen by the Sharjah Health Authority's Department of Health Insurance.
Initially, the Sharjah government provided health insurance coverage only to its employees and senior citizens. But since January 2020, this has been extended to all citizens of Sharjah.
Important: It will be mandatory for all citizens and residents of Sharjah to have health insurance starting from January 1, 2025.
Sharjah health insurance plans are generally categorized into two main types: Basic Health Insurance Plans and Comprehensive Health Insurance Plans.
Basic Health Insurance Plans:
Basic plans cover essential health services such as inpatient and outpatient, emergency, and maternity care. They are often limited to a specified network of healthcare providers. Basic health insurance plans in Sharjah are affordable and cover the necessary medical expenses that can occur due to illness or accidents.
Comprehensive Health Insurance Plans:
As the name suggests, these plans offer broader coverage and include additional benefits like coverage for pre-existing diseases, critical illnesses, and higher policy limits.
These medical insurance Sharjah plans provide a wider safety net for policyholders, covering more extensive and costly medical treatments.
Who Should Buy Health Insurance in Sharjah?
The following are some guidelines as to who should consider purchasing medical insurance Sharjah —
Individual Coverage:
If you are an individual living or working in Sharjah, health insurance will cover potential medical costs that could arise from illnesses or accidents.
Family Coverage:
For those with families in Sharjah, obtaining Sharjah health insurance for each family member is important. When each member is covered, you can get peace of mind knowing that you’ve financial coverage amidst unfortunate circumstances.
Domestic Workers:
If you employ domestic workers, it's a responsible practice to provide health insurance for them as well. This will give them access to necessary medical treatments when needed.
Expatriates and Their Dependents:
If you are an expat working in Sharjah, you need medical insurance Sharjah for yourself and your dependents.
While employers often provide group health insurance, it’s wise to get individual medical insurance that meets all your needs.
Top Medical Insurance Companies in Sharjah
Listed below are the top medical insurance companies in Sharjah —
Some of the general inclusions of health insurance Sharjah are listed below —
Emergency medical treatments
Maternity and baby care
Pre-existing and chronic conditions
Outpatient benefits include physiotherapy treatments, medical consultations, and more
Inpatient benefits include diagnostic tests, hospital accommodation for a guardian, and more
Medical evacuation and repatriation care
Exclusions of Health Insurance in Sharjah
Mentioned below are the key exclusions of health insurance Sharjah —
Any medical conditions that you already had before getting the insurance policy may not be covered immediately. These conditions often have a waiting period before they are covered.
Treatments that are considered non-essential, such as cosmetic surgery or aesthetic enhancements
Routine dental treatments and vision care are usually not included in basic health insurance plans
Injuries sustained from high-risk activities such as skydiving, racing, or other extreme sports
Any injuries or illnesses resulting from participation in illegal activities or those associated with criminal behaviour
Harm or injuries that are self-inflicted, including injuries from suicide attempts
What is the Claim Process for Health Insurance in Sharjah?
In Sharjah, the health insurance claim process can be divided into two main types: cashless claims and reimbursement claims.
Here’s a breakdown of both the processes —
Cashless Claims: In cashless claims, you receive medical treatment without having to pay upfront.
When you go for cashless claims, the insurance provider directly settles the bills with the hospital.
Important: Make sure that the hospital is part of the insurer's network.
When admitted, you should present your health insurance ID card at the hospital's insurance desk. The hospital will then handle the formalities to get the expenses cleared directly by the insurance company.
Reimbursement Claims: If you receive treatment from a non-network hospital or you paid for the medical services upfront, you can claim a reimbursement from your insurance provider.
For this, you need to submit all relevant documents such as medical bills, discharge summaries, and a filled claim form to your insurer. After verification, the insurer will reimburse you for the covered amount.
For both types of claims, it is advisable to keep all receipts and medical records. Some insurers may require pre-authorisation for certain treatments which involves notifying them before you undergo specific procedures or hospital admissions to get preliminary approval for coverage.
Note: The efficiency of both processes can vary among medical insurance companies in Sharjah, so it's recommended to review the specific claim process outlined by your insurer.
How to Apply for Health Insurance Sharjah?
To apply for health insurance in Sharjah, it's essential to compare various plans from top insurers to find the best coverage that suits your needs and budget. One convenient platform for this is Policybazaar UAE, which offers a comprehensive comparison of Sharjah health insurance plans.
Here’s a step-by-step guide to applying for the cheapest health insurance in Sharjah through Policybazaar.ae —
Click on the ‘health insurance’ section.
Complete the form with necessary details such as your Emirate, personal information, and more.
After filling out the details, submit the form. You will be redirected to a page displaying different health insurance quotes. Here, you can compare the plans available in Sharjah.
Review the quotes carefully. Look for the cheapest health insurance in Sharjah options and compare the coverage details, premiums, and benefits offered by different insurers. Select the plan that best fits your requirements and budget.
Frequently Asked Questions
What is the difference between in-network and out-of-network hospitals?
In-network hospitals have an agreement with your health insurance provider to offer services at good rates. Out-of-network hospitals don’t have such agreements —- getting treatment there may result in higher out-of-pocket costs.
Are alternative treatments covered under health insurance in Sharjah?
Coverage for alternative treatments like acupuncture, chiropractic care, or homoeopathy is not generally included in standard Sharjah health insurance plans.
Can I switch my health insurance provider in Sharjah?
Yes, you can switch your health insurance provider. However, this can be done at the time of policy renewal. It's important to compare the benefits, coverage, and premiums of different insurers before making a switch.
Is maternity coverage included in health insurance plans in Sharjah?
Maternity coverage is often included in comprehensive health insurance plans but may not be a part of basic policies. It includes prenatal care, delivery costs, and postnatal care.
Are pre-existing conditions covered by health insurance in Sharjah?
Coverage for pre-existing conditions varies by insurer. Some plans cover them after a waiting period, while others may exclude them entirely.
How do I file a claim if I receive treatment abroad?
For treatments outside the UAE, you should pay upfront and retain all receipts and medical reports. You can then file for a reimbursement claim with your insurance provider in Sharjah, subject to the terms of your policy regarding international coverage.
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