Sukoon Senior Citizen Health Insurance
Sukoon Insurance, formerly Oman Insurance Company, is a leading insurance company in the UAE, with its headquarters nestled in the vibrant city of Dubai. With a legacy dating back to its inception in 1975, Sukoon has been an unwavering pillar of support for individuals and businesses alike in the UAE and Oman.read more
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Renowned for its comprehensive range of insurance products, Sukoon caters to the diverse needs of its valued clientele. With Sukoon senior citizen health insurance plans, the company offers peace of mind and financial security to its users.
In an ever-changing world, Sukoon Insurance remains steadfast in its commitment to safeguarding the health and well-being of senior citizens, ensuring that their golden years are filled with comfort and tranquillity. Let’s understand these Sukoon senior citizen health insurance plans better in this article.
Sukoon Senior Citizen Health Insurance Plans
Check out the table below for an overview of the Sukoon health insurance plans that can be obtained by senior citizens -
| Plan | Details |
|---|---|
| HealthPlus (Prime/Pro/Max/Home/HomeLite/Safe) |
|
| DHA EBP Plans (DHA Easy/DHA Family/DHA Family Plus) |
|
Related Health Insurance
Q1. Can I avail medical care without a medical card in the UAE? If yes, then how?
Ans: Yes, you can access medical care without a physical card. You can get your insurance validated via your Emirates ID at any healthcare unit in the UAE.
Q2. Can my eCards be utilised for UAE residence visa stamping?
Ans: Yes, you can certainly use eCards for visa stamping.
Q3. Can we access a healthcare facility outside of the policy’s network? If yes, what is the payment structure?
Ans: Certain terms and conditions may apply when you visit a non-network facility depending upon your specific policy. The costs may have to be covered in full by you but you can apply for a reimbursement later on. Note that the deductibles may depend upon your specific policy terms as well for non-network care.
Q4. Can I use my Emirates ID if I travel outside the UAE?
Ans: No, your Emirates ID cannot be utilised outside the UAE. This is because international direct billing is taken care of by Sukoon’s network partner MSH International, which needs eCards to check your eligibility.
Q5. I have a physical card expiring soon. Is it still valid?
Ans: Yes, your physical card is valid until its expiry date. If you forget it, you can use your Emirates ID or show your eCard. Make sure that your Emirates ID is registered with the company.
Q6. Can I get medical services for my newborn if their Emirates ID is under processing?
Ans: Yes, you can, as long as your newborn is enrolled in the policy. The primary insured (either parent) can generate an eCard for the baby.
Q7. What does 20% co-insurance on all outpatient services on my card mean?
Ans: Co-insurance means that you will be required to pay 20% of the total bill for covered outpatient services.
Q8. Does my medical insurance plan’s validity depend on Emirates ID?
Ans: No, each needs to be renewed separately as they are not linked.
Q9. Will my insurance coverage be affected by the expiry of my Emirates ID?
Ans: No, your insurance coverage won't be affected. You can use your eCard for eligibility verification with network providers even if your Emirates ID is no longer valid.
Q10. Can I choose not to cover certain family members?
Ans: No, coverage for all family members (wife and children) with a valid Residence visa in the Emirate of Dubai is mandatory. There is no voluntary option for dependents.
Q11. How are additions and deletions of members handled?
Ans: All additions and deletions of members are done on a pro-rata basis.
Q12. Who is eligible for DHA Insurance, and what plans are available?
Ans: This type of insurance is valid for specific applicants and their eligible dependents (including domestic staff). It covers those with a salary of AED 4,000 or less (DHA Easy and DHA Family) as well as those with a salary above AED 4,000 (DHA Family Plus).
Q13. What are the restrictions on outpatient treatments?
Ans: Outpatient treatments are limited to clinics only. Specialist visits require a referral from a network general practitioner, following the DHA referral system.
Q14. How long does it take to set up and issue the policy and cards?
Ans: From the date of receiving completed documentation, it usually takes up to 14 working days to set up and issue your policy and cards, excluding any regulatory delays. Timely submission of required documents is advised.
Q15. Are the benefit limits inclusive of co-insurance?
Ans: Yes, all benefit limits include co-insurance wherever applicable.
Q16. What is the referral procedure for Essential Benefit Plan members?
Ans: For Essential Benefit Plan members, costs incurred for specialist consultations or treatments are only payable if the insured individual first consults a General Practitioner (as designated by DHA) who must provide a referral via the DHA e-referrals system.
Q17. What are the minimum preventive services provided by DHA?
Ans: DHA minimum preventive services include screenings for diabetes, hepatitis C virus, cancer, adult pneumococcal conjugate vaccine, and hepatitis B virus.
Q18. What is the annual limit for Sukoon health insurance plans?
Ans: Sukoon health insurance plans have varying maximum annual limits in the range of AED 150,000 to AED 5 million.
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