Union Senior Citizen Health Insurance

Q: Q1. What is the Indemnity Limit?

Ans: The Indemnity Limit refers to the maximum liability of the insurance company for all medical benefits combined. It includes any co-insurance and deductibles. For the Sanad and the Essential Benefits Plan of Union Insurance, this limit is AED 150,000.

Q: Q2. What is the Geographical Territory covered by medical insurance?

Ans: While the coverage is primarily for the UAE, there is also an extended emergency coverage. However, it is essential to check the specifics of what's covered in that context.

Q: Q3. How do I submit a claim for medical expenses within the UAE network of Union Insurance?

Ans: For medical expenses within the UAE network, you can avail of direct billing. This means that the medical provider directly coordinates with the insurance company for billing.

Q: Q4. Are pre-existing or chronic conditions covered under Union health insurance?

Ans: Yes, declared pre-existing and chronic conditions are covered under Union health insurance. However, a waiting period of 6 months may apply from the start of the policy.

Q: Q5. What preventive services are covered under Union health insurance?

Ans: The health insurance plans of Union Insurance cover essential vaccinations and inoculations for newborns and children as per DHA policies. They also include diabetes screening as well as various vaccinations for adults such as influenza, pneumococcal, and others as per DHA guidelines.

Q: Q6. How is maternity covered by this insurance?

Ans: Maternity coverage includes both outpatient and inpatient services. Outpatient care has a 10% coinsurance, covers up to 8 visits, and follows DHA Antenatal Care Protocols. Inpatient care, meanwhile, has a 10% coinsurance and covers normal deliveries, medically necessary C-sections and terminations, complications, and others under specified limits.

Q: Q7. Are work-related accidents covered under this insurance?

Ans: No, work-related accidents are not covered by this type of insurance.

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In this article, we will focus on Union senior citizen health insurance, where Union Insurance’s experience, reliability, and innovation unite to provide tailored insurance solutions for seniors. With this senior citizen medical insurance plan, one's golden years can be financially safeguarded at attractive rates.

Union Senior Citizen Health Insurance Plans

Check out the table below for the salient features of the major Union health insurance plans available for senior citizens -

Plan	Details
Essential Benefits Plan (Dubai)	Dubai Visa Holders: The plan is available for individuals with Dubai visas, including employees and domestic help Low-Income Coverage: It covers employees earning AED 4,000.00 or less, ensuring access to essential health insurance for those with lower incomes. Annual coverage - Up to AED 150,000 DHA Compliance: This Union health insurance plan aligns with DHA requirements and ensures regulatory compliance. Patient Support Program: An additional AED 37 (applicable for each individual) will be levied for the DHA-mandatory Patient Support Programme (PSP).
Sanad Plan (Dubai)	Dependent Coverage: The Sanad Plan from Union Insurance is specifically designed for dependents with Dubai visas (spouses, children, parents, and siblings). Annual coverage limit of AED 150,000 Seamless Application: You can easily apply for this plan and secure health insurance coverage at competitive rates. DHA Requirement: This plan meets Dubai Health Authority's minimum health insurance requirements. Swift Activation: Your policy is activated swiftly via your Emirates ID with just the submission of the required documents. PSP Inclusion: Just like the Essential Benefits Plan, an extra AED 37 will be charged (for each individual) for the mandatory Patient Support Program (PSP).
Delighted Care Plans (UAE)	Comprehensive Coverage: This plan offers thorough coverage to you and your family, encompassing inpatient and outpatient treatments, emergency care, prescription medications, maternity expenses, and more. Customisable Benefits: You can tailor your coverage by adding extra benefits related to coverage for optical, nursing-at-home, dental, or alternative treatments to suit your specific requirements. Wide Network: With the large network of this plan, you can enjoy access to direct billing at more than 3,400 facilities.

Key Benefits of Union Senior Citizen Health Insurance

Here are the key benefits of Union senior citizen health insurance -

Plans available for diverse income sets
Cost-effective plan options that ensure affordability for all.
Fully compliant with Dubai Health Authority (DHA) regulations
Enjoy a hassle-free online policy issuance process that takes just a few minutes
Access to an extensive network of healthcare providers, with direct billing available at more than 3,400 facilities
Benefit from round-the-clock customer support to assist you in case of any emergency

Eligibility Criteria for Union Senior Citizen Health Insurance

Tabled below are the general eligibility criteria for Union senior citizen health insurance -

Category	Eligibility Criteria
Maximum Age	99 years

Union Senior Citizen Health Insurance Inclusions

Check out the general inclusions of Union senior citizen health insurance here -

In-patient services
Out-patient services
Hospital accommodation
Parent accommodation
Radiology, chemotherapy, computerised tomography, and so on
Fees related to anaesthetists and surgeons
Pre-existing and chronic conditions

Exclusions of Union Senior Citizen Health Insurance

Before getting health insurance, you must also be aware of the scenarios where your plan won’t offer any coverage. Here are the typical exclusions of Union senior citizen health insurance -

Orthodontic treatments
Cosmetic procedures
Baldness or hair fall
Smoking cessation
Self-harm or injuries intentionally inflicted by oneself
Weight or obesity treatment
Contraception
Adverse events caused by natural catastrophes

Let’s see what others are asking about Union senior citizen health insurance through some FAQs next -

FAQ's

Ans: The Indemnity Limit refers to the maximum liability of the insurance company for all medical benefits combined. It includes any co-insurance and deductibles. For the Sanad and the Essential Benefits Plan of Union Insurance, this limit is AED 150,000.

Ans: While the coverage is primarily for the UAE, there is also an extended emergency coverage. However, it is essential to check the specifics of what's covered in that context.

Ans: For medical expenses within the UAE network, you can avail of direct billing. This means that the medical provider directly coordinates with the insurance company for billing.

Ans: Yes, declared pre-existing and chronic conditions are covered under Union health insurance. However, a waiting period of 6 months may apply from the start of the policy.

Ans: The health insurance plans of Union Insurance cover essential vaccinations and inoculations for newborns and children as per DHA policies. They also include diabetes screening as well as various vaccinations for adults such as influenza, pneumococcal, and others as per DHA guidelines.

Ans: Maternity coverage includes both outpatient and inpatient services. Outpatient care has a 10% coinsurance, covers up to 8 visits, and follows DHA Antenatal Care Protocols. Inpatient care, meanwhile, has a 10% coinsurance and covers normal deliveries, medically necessary C-sections and terminations, complications, and others under specified limits.

Ans: No, work-related accidents are not covered by this type of insurance.