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 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:

Plan Name	Annual Limit	COVERAGE REGION	Network	Price
Sanad Plan	AED 1,50,000	United Arab Emirates	NextCare TPA -PCP & RN3 Network
Essential Benefits Plan	AED 1,50,000	United Arab Emirates	NextCare PCP -C Network
See More Plans >>>

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 health 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:

Category	Inclusions
In-Patient Benefits	Costs on Room & board for hospitalization
	Day-care patient and in-patient
	Specialist physicians services for in-patient treatment coverage.
	Cover for in-patient specialist services including diagnostic procedures & consultations.
	Cover for surgeon’s & Anesthetists services.
	Cover for pre-approved minor surgical procedures at a recognized hospital, medical facility or private hospital.
	Cover for Chemotherapy, Radiotherapy, & Computerized Tomography received as an inpatient as referred by an approved specialist.
	Cover for the use of private road ambulances in times of emergency
	Cover for prescribed medicines & drugs
	Cover for accommodating a person with an insured child (up to 16 years of age)
	Cover for accommodating a person with an in-patient in that same room
Out-Patient Benefits	Consultations including initial consultations & examinations in respect of a medical condition.
	Prescribed out-patient diagnostic tests & physiotherapy treatment coverage
	Cover for Chemotherapy, Radiotherapy, & Computerized Tomography received as an out-patient as referred by an approved specialist.
	Out-patient medicines & drugs which require a prescription (except those being list in the list of exclusions)
Maternity Benefits	Out-patient  maternity benefits
	In-patient maternity benefits
	Coverage for newborn
Additional Benefits	Preventive services as specified by DHA for including initially the diabetes screening
	Necessary inoculations and vaccinations for children as well as a newborn as specified in the policies of DHA
	Medical emergencies in case of treatment and diagnostic services for gum and dental treatment
	Medical emergencies in case of vision and hearing aids and vision correction through surgery & laser

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

Q1. Is treatment for pre-existing & chronic conditions covered under this Union health insurance Dubai?

Ans: Treatment for pre-existing & chronic conditions is covered subject to a waiting period of six months of first insurance membership with the insurer. After the 6 months, they are included.

Q2. Are maternity services covered?

Ans: Yes, you can opt for both in-patient & out-patient maternity services with Union Health Insurance Dubai, UAE. For in-patient, 10 percent coinsurance payable by the insured. In addition to this, normal birth delivery of a maximum of 7000 AED, up to 10,000 AED for medically necessary C-section, complications & for medically necessary termination of pregnancy is included under this Union health insurance plan. For out-patient, 10 percent coinsurance payable by the insured & covered up to eight visits. All care offered by the obstetrician for low risk or specialist obstetrician for high-risk referrals initial investigations is covered under this medical insurance plan.

Q3. Are dental services covered?

Ans: All medical expenses related to dental treatment, orthodontic treatments, & dental prostheses are excluded from the Union Health Insurance plans.

Q4. What is the mode of claim settlement?

Ans: Following are the modes of claim settlement:

UAE Network: In-Patient & Out-patient:	Direct Billing
UAE Non-Network (if covered): In-Patient & Out-patient:	Not Covered
Abroad (if covered)	Reimbursement

Q5. What does Union Health Insurance Dubai cover?

Ans: Union Health Insurance Dubai covers in-patient as well as out-patient medical encounters, healthcare treatments, surgical procedures, tests, medication, and maternity services to an annual aggregate limit of 150,000 AED.

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Frequently Asked Questions

Q1: What documents are necessary to apply for RAK Health Insurance in the UAE?

Ans: To apply for RAK Health Insurance in the UAE, you will be required to keep the following documents available 

• Emirates ID
• Copy of Passport
• Copy of residential Visa (for ex-pats)
• Copy of sponsor’s health card 
• Sponsor’s Emirates ID

Q2: What are the inclusions in RAK Health Insurance plans?

Ans: The following are the major inclusions for RAK Health Insurance -

• In-patient services
• Maternity cover
• Neonatal care cover
• Coverage for vaccinations and inoculations
• Emergency dental care
• Preventive check cover
• Physiotherapy sessions cover
• Outpatient services cover

Q3: Who all are offered RAK health insurance in the UAE?

Ans: RAK Health Insurance plans are available for both UAE nationals and Dubai Visa holders. 

Q4: What is the insurance claiming process?

Ans: To file a claim, you will simply need to present your RAKBANK health insurance card and the Emirates ID at any of the network hospitals. The overall process is quite swift, meaning that the insured individual can receive the required treatment in a timely manner. 

To make the process smoother, you can take note of your policy number as it may come in handy at any point of your treatment. For further details, you can even connect with the support team at 800-7254. 

Q5: How many healthcare facilities are included in the RAK health insurance network?

Ans: Listed below is the number of healthcare facilities in the SEHTEQ Basic insurance network –

• Clinics – 405
• Day Care – 10
• Dental Clinic – 8
• Diagnostic Centre – 24
• Hospitals – 23
• Pharmacy – 803

Q6: What all healthcare facilities are including in the SEHTEQ RN2?

Ans: The following is the number of healthcare facilities available in the SEHTEQ RN2 insurance network –

• Clinics – 456
• Day Care – 11
• Dental Clinic – 9
• Diagnostic Centre – 30
• Hospitals – 29
• Pharmacy – 1033

Q7: What are some benefits of securing RAK health insurance?

Ans: If you opt for RAK Health Insurance, you can get access to benefits like –

• Large hospital network
• Affordable premiums
• Coverage for vaccination, physiotherapy, and preventive checkups

Q8: What is Dubai Essential Medical Plan?

Ans: The Dubai Essential Medical plan is Dubai's top-tier RAK health insurance. It is accessible to clients with a Dubai Visa and fully complies with the regulations established by the Dubai Health Authority (DHA).

Q9: What is the starting premium for most RAK health insurance plans?

Ans: Customers can take advantage of the incredible financial security provided by different RAK Bank health insurance policies for premiums as low as AED 499. On approval from RAK Insurance, the initial RAK health insurance premium amount can be paid in full or in instalments to qualify policyholders for a year of protection. 

The maximum annual insurance coverage under the Dubai Essential Medical RAK Bank health insurance policy is AED 50,000.

Q10: What is the age criteria to apply for the insurance policy?

Ans: Members of the RAK health insurance plan are eligible for coverage starting from birth and continuing up to age 65. Thus, policyholders can secure the required financial assistance in an emergency from infancy to retirement.

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