How to Choose the Best Critical Illness Plan that Covers Paralysis?

There are various critical illness health insurance plans in the UAE that cover Paralysis treatment. These plans are specifically designed to assist you through your treatment without burning a hole in your pocket. Paralysis is a critical illness concern that can have debilitating effects on the patient as well as the family members. That is why it is important to get the issue addressed immediately. 

In a situation where paralysis needs to get addressed, a sound health insurance plan is a judicious way to proceed. Let us take a look at how you can benefit from a health insurance plan that includes treatment for paralysis. But before we go ahead let us have a clear understanding of what paralysis is and what types of paralysis can be covered in the health insurance in Dubai.

What is Paralysis?

Paralysis can be defined as the loss of muscle function, mostly occurring due to a blockage in the nerve chain. It can be caused due to an accident or a long-standing serious illness. That is why it gets covered under critical illness health insurance plans.

Types and Degrees of Paralysis

You can categorize paralysis attacks under two options-

1. What the condition can be?
2. How much of the body is affected?

Types of Paralysis based on what the condition of the patient can be

• Complete effect: Muscle movement is completely restricted.
• Partial effect: In this condition, the patient can still have some control over the muscles.
• Temporary effect: It means the patient can go back to having full or partial control over the muscles.
• Permanent effect: This means complete and irreversible control over the muscles.
• Spastic effect: This is characterized by involuntary jerks caused due to tightened muscles.
• Flaccid effect: In a flaccid effect, the muscles get flabby and shrink

Sometimes paralysis is localized, but it can affect the whole body. Localized paralysis means it affects certain body parts like hands, feet, face, or vocal cords.

Types of Paralysis based on the area that’s affected

• Hemiplegia:  In this condition, one side of the body, such as the arm and the leg of the same side gets impacted. 
• Monoplegia: This means one limb of the body gets affected such as one leg or one arm.
• Paraplegia: Both legs and sometimes parts of the trunk get affected due to paraplegia.
• Diplegia: In this condition, the same body parts are affected but on both sides. For Eg: arms, legs, or both sides of the face.
• Quadriplegia: This is characterized by partial or total loss of muscular strength in limbs. This type of paralysis can also affect the function of the lungs, heart, and other organs.

Critical Illness Health Insurance in the UAE

Most insurance companies in the UAE offer critical illness health insurance plans. These plans cover multiple diseases like cancer, tumor, heart attack, paralysis, organ failure, and a lot more. These insurance plans are meant to help an insured person get quality treatment without worrying about medical expenses.

Here is a list of diseases that are covered under critical illness health insurance in Dubai.

• Stroke
• Major Cancers
• Aplastic Anemia
• Heart Attack of Specified Severity
• Coronary Artery By-pass Surgery
• Deafness (Loss of Hearing)
• Coma
• Paralysis (Loss of Use of Limbs)
• Kidney Failure
• Heart Valve Surgery
• Final-Stage Lung Disease
• Final-Stage Liver Failure
• Loss of Speech
• Muscular Dystrophy
• Major Burns
• Major Organ Transplantation
• Multiple Sclerosis
• Surgery to Aorta
• Viral Encephalitis
• Fulminant Hepatitis
• Primary Pulmonary Hypertension
• Occupationally Acquired HIV
• HIV Due to Blood Transfusion
• Bacterial Meningitis
• Angioplasty & Other Invasive Treatment for Coronary Artery
• Benign Brain Tumor
• Motor Neuron Disease
• Progressive Scleroderma
• Terminal Illness
• Blindness (Loss of Sight)
• Major Head Trauma
• Loss of Independent Existence
• Apallic Syndrome
• Poliomyelitis

How to Choose the Best Critical Illness Plan in UAE?

Here are a few factors to keep in mind when you are set to choose critical illness health insurance in UAE.

1. Sum Assured

The first thing to check before choosing a critical illness plan for you is the sum assured that’s being provided. Make sure you check the coverage against different types of critical illnesses.

2. Easy Claim Process

Make sure the critical illness plan you choose has an easy claim process. Do not forget to check the list of network hospitals the insurance provider covers. There should be at least a few top-listed ones or hospitals of your choice that you can rely on for the treatment of critical medical issues.

3. Pre-existing ailments

Most of the plans for health insurance in the UAE have a mandatory waiting period when it comes to coverage for pre-existing diseases. This period can range from a few months to 48 months depending upon the condition of the applicant. The terms of such policies also vary from provider to provider that is why it is important to go through all the terms and conditions before you buy a plan.

4. Claim-settlement Ratio

Try and choose the insurance provider that has a high claim settlement ratio. This increases the probability of getting the sum assured at the time of the claim.

How to File a Claim for a Critical Illness Health Insurance in Dubai?

Here are a few simple steps to help you claim critical illness health insurance in the UAE.

1. Report the Claim

Inform your insurance service provider about your illness and report the claim. You can do this either by calling their helpline number or by sending an email.

2. Submit Your Documents

Submit all your essential documents to get the claim approved. The documents include a copy of a valid passport, proof of address, a copy of your Emirates ID for identity proof, an application form, etc.

3. Wait for the Approval

Once the formalities are done, you need to wait till the claim gets approved. After you get the approval, you can go ahead and opt for the cashless hospitalization if the hospital you have chosen falls under your insurance provider’s network. If not, you can simply pay the medical bills yourself and get them reimbursed later.

Final Thoughts

Now that you know almost everything about the critical illness plans that cover paralysis, make sure you choose the right one for yourself. These plans are quite different from the regular health insurance plans provided by the insurance companies. Regular health insurance plans provide cover against comprehensive health issues whereas; critical illness plans cover life-threatening medical issues.

Go through the terms and conditions of the plan that you choose and then proceed with buying one that best suits your needs and budget.

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