Union Health Insurance

Features & Benefits of Union Health Insurance

Following are the features & benefits of the plans offered by Union Health Insurance:

1. Coverage: Union Health Insurance Company offers comprehensive coverage to secure the health of an individual.
2. Geographical Territory: It offers coverage in UAE and can be extended to South East Asia (only for inpatient treatments as per 100 percent UAE customary rates).
3. Competitive Rates: The Union Medical Insurance Company offers health insurance dubai premiums at competitive rates. Therefore, the company helps an individual to deal with the requirement of minimum medical insurance as per the Dubai Health Authority.
4. Easy Claim Settlement: The claim settlement process is quite convenient. The team of experts at Union Health Insurance makes sure that the claims of the policyholder are processed in a hassle-free manner.
5. Best Customer Support: The Company offers 24x7 customer support to its clients in case of emergencies.
6. Network List: Union Insurance Network hospital list Available.

Best Union Health Insurance Plans in the UAE

Here are the Union Medical Insurance Plans in Dubai, UAE for 2022:

Features and Benefits of the Sanad Plan

Given below are the major features and benefits of the Sanad plan

1. Annual health coverage limit per year – AED 150,000
2. Basic Elective and Emergency Coverage – UAE (including the ambulance charges)
3. Claim Submission (for hospitals within the network) -  direct billing for both inpatient and outpatient treatments
4. Existing and critical conditions – Covered after the first six months of the waiting period 

Inpatient Services 

1. Room type – Semi-private
2. Accommodation charges – fully covered
3. Specialist treatment – fully covered
4. In-patient specialist services like consultations and diagnosis as recognised by third-party administrators – fully covered
5. Charges for surgeons and anaesthetists – fully covered
6. Treatments like radiotherapy, computerised tomography, and chemotherapy as prescribed by the specialists – fully covered
7. Emergency ambulance services – fully covered
8. Companion accommodation for a child up to the age of 16 – Coverage of up to AED 100 per night
9. Medication and drugs prescribed and administered during the inpatient or day-care treatments – fully covered
10. Dental treatment (emergency treatment required to relieve pain caused by an accident only) – fully covered (the surgery should be performed within seven days from the date of the accident)

Outpatient Services 

1. Initial consultation and medical examination – 20% co-payment
2. Diagnostic tests - 20% co-payment
3. Prescribed physiotherapy treatment –covered for up to six sessions (with 20% co-payment)
4. Radiotherapy, computerised tomography, and chemotherapy – covered with a 20% co-payment
5. Medication and drugs prescribed and administered during treatment – annual limit of AED 1,500 with 30% co-payment
6. Vaccines and other preventive measured – as per the guidelines of the DHA

Maternity Services 

1. Outpatient – Available with 10% co-insurance Coverage provided for testing related to
   • FBC and platelets
   • VDRL Blood group
   • rhesus status, and antibodies
   • HIV
   • MSU and Urinalysis
   • GTT risk patients
2. Visit to OB-GYN as per the DHA antenatal care protocol and three ultrasound scans
3. Inpatient – 10% co-insurance 
4. Benefit of up to AED 7,000 for normal delivery, AED 10,000 for medically compulsory C-section, complications, and medically compulsory termination
5. Neonatal care for 30 days from the date of birth

Features and Benefits of Essential Benefit Plan – Dubai

• Indemnity limit – AED 150,000
• Basic Elective and Emergency Coverage – UAE (including the ambulance charges)
• Claim submission method - direct billing for both inpatient and outpatient treatments
• Pre-existing and critical illnesses – covered up to the aggregate limit after 6 months of waiting period (as per DHA’s guidelines)
• Inpatient services – fully covered
• Dental treatment – fully covered (the surgery needs to be done within seven days from the date of the accident)
• Initial consultation and medical examination for OPD patients – co-payment of 20%
• Preventive procedures and vaccination – Coverage for all essential vaccinations as per the guidelines of the DHA and preventive services for diseases like diabetes, Hepatitis C, cancer screening and treatment, hepatitis B

Maternity benefits 

1. Outpatient – 10% co-insurance; covered for up to 8 visits Examinations related to the following will be covered –
   • FBC and platelets
   • VDRL
   • Blood group, rhesus status, and antibodies
   • HIV
   • MSU and Urinalysis
   • GTT risk patients
2. Visit to OB-GYN as per the DHA antenatal care protocol and 3 ultrasound scans 
3. Inpatient – 10% co-insurance 
4. Benefit of up to AED 7,000 for normal delivery, AED 10,000 for medically compulsory C-section, complications, and medically compulsory termination
5. Neonatal care for 30 days from the date of birth

The Best Corporate Health Insurance Plans

Group health insurance is framed to provide the best medical services to the employees and enable you to take care of your employees to the greatest extent possible. The group health insurance plans of Union Insurance provide comprehensive coverage with a strong technical support, 24/7 customer care service, and more. 

The following are some of the major group medical insurance uae plans offered by Union Insurance in the UAE –

Corporate plans

Coverage: UAE 

Listed below are the key benefits of corporate plans –

• Substantial coverage offered by the best global and local reinsurance companies
• Thoroughly researched plans to offer you the most suitable solutions for potential risks
• Assistance from a dedicated account manager throughout the policy period
• A strong technical team with seasoned underwriters and portfolio managers
• Straightforward policy administration and claim handling using digital solutions
• Customised plans
• Network includes over 3,400 healthcare facilities where you can claim your insurance via direct billing

Essential Benefit Plan

Coverage: Dubai and Northern Emirates

• DHA-compliant plan that covers employees including your domestic help whose salary falls in the lower category 
• A technical team that has expert underwriters and portfolio managers
• Focus on customer service - You get a dedicated account manager who will be available for guidance throughout the policy period
• A simple policy administration procedure and handling of claims

Small and Medium Enterprises Plans

Coverage: UAE

• Covers employees including your domestic help with low income
• A technical team comprising expert underwriters and portfolio managers
• Dedicated account manager who guides you throughout the policy period
• A simple policy administration procedure and handling of claims
• Network of over 3,400 healthcare facilities
• Round-the-clock customer service

Union Health Insurance Inclusions

Listed below are some inclusions of Union Health Insurance:

Union Health Insurance Exclusions

Following are the exclusions for Union health insurance individual plans only:

1. Healthcare services which are not necessary medically.
2. All medical expenses which are related to orthodontic treatments, dental treatment, & dental prostheses.
3. Care for the sake of travelling.
4. Custodial care which includes:
5. Non-medical treatment services.
6. Health-related services which do not result in an improvement in the medical condition of the patient.
7. Services that don’t require continuous administration by specialized medical personnel.
8. Surgical & non-surgical treatment for obesity as well as any other weight control programs, supplies, & services.
9. Healthcare services for smoking cessation programs as well as the treatment of a patient who is addicted to nicotine.
10. Services & treatment for contraception.
11. External prosthetic devices & medical equipment.

Union Health Insurance Claim Process

The dedicated health insurance claim department of Union Health Insurance Company is always eager & available to help their customers in times of need. One can easily buy Union health insurance plans online and make a claim for the same online without any hassle. The easy online claim submission service ensures quick & smooth claim settlement. The four steps of the claim process are as follows:

• Step 1: Visit unioninsurance.ae and then log on ‘CLAIMS’ section.
• Step 2: Submit all the required documents.
• Step 3: The claim processing begins. Most of the times, it is because of improper documents that cause rejection of the claim. So, resubmit the documents to proceed further.
• Step 4: Claim will get approved.

Union Health Insurance FAQ's