Buy Travel Medical Insurance Online And Get Your Policy Instantly
Amongst the plethora of insurances available in the market, undoubtedly one of the most significant ones is medical insurance. Health insurance is one of the most essential insurance covers out there in the market. One can handle all other kinds of emergencies one way or the other, but medical emergencies can't wait for anything and anyone and always require an immediate backup. This is why, irrespective of where you are and what you are doing, you must always have health insurance plans ready right there to support you in any unforeseen mishap. And here, the travel medical insurance plans come into the picture. As part of generic travel insurance plans, travel medical insurance Dubai is solely concerned with providing you with medical support in health-related emergencies. So, scour through the below article to know everything about travel medical insurance in Dubai.
Travel health insurance plans or travel medical insurance plans are a sub-type of travel insurance plans that only deal with the medical part of a travel policy. Travel medical insurance plans come in handy to deal with expenses that occur in medical emergencies. For example, this plan may include your hospitalisation expenses, travel insurance medical evacuation expenses, repatriation expenses, etc. Needless to say, a travel medical insurance plan is the perfect shortcut to have every vital thing covered when you go on a trip, whether for business or leisure purposes.
Travelling to a new place and exploring it with all the excitement in the universe with your family is all fun and games until you find yourself stuck in an emergency. Financial and other kinds of emergencies can still be handled somehow. However, medical emergencies can be the fun police and turn the happy trip into a very stressful time. Therefore, you should not even think of planning a trip without travel health insurance and always have proper medical insurance for travelling abroad. This insurance cover ensures that you receive proper medical attention as and when required and saves you from incurring sky-high medical expenses. Over and above, travel medical insurance plans are not just about protecting you from health-related urgencies; they also come with several other small benefits like baggage loss cover. This additional benefit of lost baggage cover means that you get to have a backup for medical pickles and travel-related hardships as well.
Travel medical insurance plans can be divided into several parts based on the type of segregation. For example, given below are all different types of travel medical insurance plans based on individuals covered, geographical applicability and types of trips:
|Travel Insurance by Age Group|
|Travel Insurance for over 65||Travel Insurance for over 70||Travel Insurance for over 75|
Here is a comprehensive list of cheap travel medical insurance online plans in UAE :
|Plan Name||Medical Cover||Max Duration||Starting from||Price|
|Alliance Insurance||AED 150,000||90 days/trip||AED 33|
|Orient Insurance||AED 150,000||92 days/trip||AED 183|
|See More Plans >>|
Emergency Medical Treatment: Apart from pre-existing diseases, travel medical insurance plans cover emergency medical treatment required for any illness. Additionally, travel health insurance covers medical tests, pharmaceuticals, and hospitalisation expenses.
Personal Accident Cover: Available on a plan-by-plan basis, personal accident cover, if included as a benefit in your plan, will offer compensation and coverage for any accidental losses. Adding to that, Personal Accident Cover includes cover for accidental injury treatment as well as compensation for disabilities caused by accidents. In addition, the death benefit is also included in personal accident cover.
Emergency Travel Insurance Medical Evacuation: Emergency travel insurance medical evacuation benefit helps you reach a nearby hospital when you are stuck with a medical emergency in a remote area. Even more, travel insurance medical evacuation benefits can also be used to get to another hospital if the current one fails to provide you with the specific treatment you need. In addition, if your travel health insurance plan allows, the travel insurance medical evacuation cover is also available to be used to get back to the UAE when required as per your medical situation.
Hospital Cash Allowance: The hospital cash allowance benefit of a travel medical plan is similar to that of the hospital cash benefit provided in generic health insurance plans. Having said that, the cash allowance for hospitals can be used to cover your room rent expenses when admitted to a hospital during your trip.
Emergency Dental Treatment: If you encounter any kind of dental emergency during your trip, emergency dental expenses are there to the rescue and can be utilised for the same. However, most emergency dental covers have sub-limits in the form of maximum sum allowed overall or treat each tooth.
Repatriation Cover: Repatriation cover can be used to transfer mortal remains of the policyholder back to the UAE if they happen to meet their demise while on the trip. So, if such a situation arises, repatriation cover can help you with the same.
Family Compassionate Visit: Some travel medical insurance plans also cover the travel expenses of a family member if the policyholder is stuck in a foreign country due to any medical conditions. Generally, only one family member is covered for a compassionate visit.
Following are some of the most common travel health insurance exclusions:
Trips Taken for Medical Purposes: If you are taking a particular trip for medical reasons only, travel medical insurance in Dubai will not cover any of your expenses. Trips taken for medical purposes include trips to receive certain kinds of treatment available in a different country, consult doctors, or get medication.
Travel Against Doctor's Advice: If your doctor has advised you not to take a particular trip, travel health insurance plans will not cover any medical expenses incurred on the said trip. For example, if your doctor has advised you to not travel in your third trimester, travel medical insurance Dubai will not cover any pregnancy-related treatments or complications despite being included as a benefit.
Pre-existing Conditions: If not covered with an add-on, pre-existing medical conditions are not covered by travel medical plans. This includes medical expenses incurred for treatment, tests or pharmaceuticals related to pre-existing diseases.
Substance Abuse: Injuries, illnesses, or other damages caused by intake of intoxicating substances is not covered by travel medical insurance plans.
War or Act of War: Damages caused by wars or any act of wars are not covered by travel medical insurance plans. This includes medical and otherwise damages as well.
Medically Unnecessary Treatments: Any treatments taken for reasons other than emergency medical reasons are not covered by medical insurance for travel abroad. Medically unnecessary treatments include cosmetic treatments, as well as treatments taken for obesity.
Self-Inflicted Damages: Suicide attempts or self-inflicted injuries are not covered by medical insurance for travel abroad.
Alternate Treatments: Alternate medications like homoeopathy or acupuncture are not covered by travel medical insurance in Dubai.
Adventure Sports: Injuries caused when participating in adventure sports are not covered with medical insurance for travel abroad.
Basic eligibility criteria to buy travel medical insurance in the UAE is incredibly simple. You either have to be a resident or a citizen of the UAE to get travel health insurance. Additionally, people older than 18 years of age can buy a policy under their name. Anyone younger than 18 years and older than 30 days can be added as dependent in a travel medical insurance plan. Further eligibility conditions may apply as per the type of medical insurance for travel abroad you buy. Given below are the complete eligibility conditions as per the type of travel medical plan:
You must have a valid identity proof to get travel medical insurance in Dubai. Your Emirates ID, passport and residents visa may suffice as proof of identity. In addition to that, some types of plans may require you to submit proof of purpose of visit, such as student travel health insurance plans. Although, trip tickets and accommodation booking proof are mainly not required. Still, you must have your travel dates ready with you when you set out to buy a travel medical insurance plan in the UAE.
You can make two kinds of claims for your medical insurance for travel abroad – reimbursement claims and direct claims. Reimbursement claims can be used for benefits like repatriation expenses and compassionate family visits. On the other hand, direct cashless claims can be used for emergency medical hospitalisation and similar benefits. Please note that cashless claims are only applicable when you get treated at one of the network hospitals of your insurance plan.
Given below are claim procedures for both kinds of travel medical insurance claims:
You can buy your medical insurance for travel abroad via online or offline platforms. Many website providers and Policybazaar offer seamless options to buy your medical insurance for travel abroad online. In addition, you can visit one of the branches of your provider or contact an agent to buy your travel medical insurance offline.
Similar steps can be followed when buying your insurance plans from the provider's website. However, a few changes may apply as per the pattern and interface of your provider's website.
The offline process to buy Travel Medical Insurance UAE is as simple as it was online:
Please note that Single-trip medical travel insurance plans expire soon after your trip ends. And only annual multi-trip medical insurance for travel abroad can be renewed. In addition, the renewal process of any annual multi-trip travel health insurance plan is similar to that of other renewable general insurance plans. Worry not, as we have attached a complete list of all the steps included in this process of renewing your travel health insurance:
Choosing the best medical insurance for travelling abroad can be tiresome, especially if you do not know how to go about the selection process. However, choosing the best travel medical insurance UAE is not as daunting as it seems; as you can keep the following essential pointers in mind while selecting your travel medical insurance in Dubai:
Ans: Usually, most providers do not conduct any medical tests when giving travel medical insurance plans to anyone younger than 70 years of age. However, medical tests may be conducted for policyholders older than 70 years of age for travel medical insurance UAE.
Ans: Only declared pre-existing medical conditions are covered with travel medical insurance UAE plans. So, the plan will not cover medical claims related to any undeclared medical conditions.
Ans: Yes, you can easily get any travel medical insurance Dubai plan with pre-existing medical conditions.
Ans: There are several cheap travel medical insurance plans available in the UAE. Amongst many, the best way to buy cheap travel medical insurance is to buy it early. Interestingly, you can also try and buy your plan from policybazaar.ae to get exciting additional discounts.
Ans: Ideally, you should buy your travel health insurance plan right when you purchase your travel tickets or sometimes around it.
Ans: Yes, typical travel insurance plans also offer medical insurance benefits and several other travel insurance benefits like Flight Ticket Cancellation Insurance, baggage cover, etc.
Ans: Travel health insurance plans bought well before your departure are often very cheap. This undoubtedly makes buying your travel insurance early a sound decision.
Ans: No, you cannot purchase your travel insurance plan once you have departed for your trip. Travel medical insurance needs to be bought well before the departure.
Ans: Yes, you can easily buy your travel insurance plan after buying your travel tickets.
Ans: You can insure one trip with one travel medical insurance plan only. Therefore, multiple insurance plans cannot be bought to insure a single trip.
Ans: No, health insurance plans are not the same as travel medical insurance UAE. For example, Health insurance plans only offer coverage when you are in the UAE. However, travel insurance plans are the opposite of them, as they cover you when you are on a trip outside of the UAE and not when you are in the country.
Ans: Yes, senior citizen travel medical can be bought for your elderly relatives and parents. Senior citizen travels medical insurance UAE is for anyone older than 65-70 years of age.
Ans: Most plans allow you to add 1 spouse and 2 children as dependents in a family health insurance plan, but the limit may differ as per providers as well.
Ans: The minimum age to get covered in a travel medical insurance plan is 30 days. Anyone older than 30 days can be added as a dependent in a travel insurance plan. Moreover, people older than 18 years of age can buy individual travel health insurance plans.
Ans: You can buy your travel health insurance plan either from an insurance aggregator or provider. Both online and offline platforms can be used.
Ans: Direct claims associated with your travel medical insurance plan are processed almost immediately so that treatment can begin as soon as possible.
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