DNI currently has different health insurance plans to meet all your requirements. So, if you are in the market for such insurance plans, learn about the DNI health insurance features and benefits in detail and then decide.
Valid on select insurers. T&C apply *
In November 2o22, it was announced that health insurance is set to become mandatory in the northern Emirates including Sharjah, Fujairah, Ras Al Khaimah, Ajman, and Umm Al Quwain. This upgrade in the health insurance system of these Emirates will take place by March 31st, 2023.
This news has drawn attention towards how health insurance works in these Emirates. This write-up will narrow down to Sharjah and shed light on health insurance in Sharjah. By reading this piece, you will get insights into the top insurance providers, the features and benefits of health insurance in Sharjah, inclusions and exclusions, and more.
In Sharjah, health insurance coverage for UAE nationals is regulated by the Sharjah Health Authority’s Department of Health Insurance. Originally, the Sharjah government offered health insurance coverage to government employees, their dependents, and senior citizens (above the age of 60 years). However, the regional government has extended the coverage to all the citizens of Sharjah from January 2020 onwards.
With the new mandate coming in to make health insurance compulsory, it has become more important to understand how health insurance works in this Northern Emirate. A health insurance plan in Sharjah offers financial coverage to you in case of an illness and the required treatment.
The following table lists the top health insurance plans in Sharjah -
|Plan Name||Medical Cover||Pharmacy Cover||Price|
|Orient Insurance - I-Med||AED 150,000||Up to AED 1,500||View Quotes|
|Dubai National Insurance and Reinsurance - Silk Road||AED 1,000,000||Up to Medical Cover||View Quotes|
|Takaful Emarat - Silver||AED 1,000,000||Up to AED 5,000||View Quotes|
|Sukoon Insurance - Home Lite||AED 25,000||Up to Medical Cover||View Quotes|
|Al Sagr National Insurance - Northern Emirates Basic 2||AED 50,000||Up to Medical Cover||View Quotes|
Here are the major types of health insurance plans in Sharjah -
Private health insurance plans require a mandatory health check-up. While there are only a few senior citizens' plans from private policy providers, the Sharjah government does offer health insurance coverage to senior citizens.
Basic health insurance in Sharjah covers services like day-care hospitalisation with pre and post-hospitalisation benefits. Majority of the health insurance plans in Sharjah offer cashless hospitalisation and reimbursement facilities.
Some other features and benefits of health insurance in Sharjah are -
In case of reimbursement, the cost of hospitalisation and treatment will be borne by the policyholder. Once the treatment concludes, they can submit the discharge summary and the hospital receipts to the insurance provider to avail of the reimbursement amount.
Note: The reimbursement amount for health insurance in Sharjah cannot be more than the sum insured.
Health insurance in Sharjah has a list of inclusions that helps in defining the extent of health insurance coverage provided by the provider. Some of the common inclusions present in most such plans are mentioned below -
Sharjah health insurance does not offer coverage for certain treatments and medical services. Some of these exclusions are -
Note - Most health insurance providers in Sharjah do not cover the expenses associated with dental and optical care. With the few providers that offer cover services, this benefit can be purchased as an add-on by paying an additional premium at the time of purchase.
The claim procedure for health insurance in Sharjah would be determined by the hospital that the insured individuals select for their medical treatment. The insurance claim process comprises a certain sequence of actions if the hospital is a network hospital (hospitals/medical institutions with which the insurance provider has affiliations), which is different if the institution is a non-network hospital (one with which the insurance company has no affiliations).
Here are the two main ways of filing claims for health insurance in Sharjah -
The hospitals and clinics around the nation typically have close business relationships with the health insurance providers functioning throughout Sharjah. A policyholder can take advantage of the cashless claim settlement system when receiving treatment at any of these network hospitals. Here, the insurance provider will directly pay the hospital for the cost of the treatment without requiring any payment from the policyholder.
Note - Only if the policyholder's treatment falls within the allowed insurance limit will the cashless claim stay in effect.
In this case, the policyholder would have to pay for any medical treatment received outside of a network facility. Based on the original invoices and other document evidence supplied in accordance with the policy agreement, the insurance company will reimburse the policyholder for the claim amount they have already paid. The reimbursements are often governed by the insurance provider's established limitations and the policy's eligibility requirements.
You can easily secure health insurance in Sharjah on policybazaar.ae. It is a third-party aggregator that offers the best medical insurance plans from leading providers in the emirate. When you buy health insurance in Sharjah from Policybazaar UAE, you can get exclusive offers and discounts.
To purchase health insurance, simply click on the ‘Health Insurance’ tab on our website and fill in the outbound lead form. You will be then directed to the insurance quotes page, where you can compare the plans and select the one that suits your requirements.
When you purchase a health insurance plan from Policybazaar, you can avail of the following benefits –
To know more about health insurance in Sharjah, read the following FAQ section.
It is mandatory to declare your pre-existing medical conditions (if any) at the time of purchasing a policy. This declaration can help the insurance provider recommend to you the best policy that suits your requirement. Additionally, if you fail to declare pre-existing medical conditions, you will not be reimbursed or covered in case of any medical procedure related to these conditions.
Health insurance plan in Sharjah covers services like doctor’s consultation fee, inpatient treatment costs, declared pre-existing medical conditions, and more.
Most of the health insurance plans cover the entire emirate as per the policy. However, depending on the policy type, the policyholder can get treated in other emirates as well.
Co-insurance/co-payment is the sum that you, as a policyholder, would have to pay directly to the hospital for all the eligible medical procedures.
At the moment of admission, all fundamental health coverages are typically provided and are connected to the Emirates ID. In case you fail to carry a medical card at a network hospital, you can pay the bill out of pocket and present the original hospital bills as well as the required paperwork for claim reimbursement.
The deductible is a portion or percentage of costs that the policyholder is responsible for paying before the insurer covers the associated medical costs. The insurance premium decreases when the deductible increases and vice versa.
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