emirates – CompareInsurance.ae Blog

Travel insurance is crucial whether you are travelling for work or leisure, but there are some cases when your insurance policy will not cover you. Although what is included and excluded from your cover ultimately depends on your specific emirates travel insurance, some circumstances can prevent you from making a claim.

If your expenses stem from a pre-existing condition

Pre-existing medical conditions are some of the common reasons for the denial of travel insurance claims. Insurance companies define a pre-existing condition as an illness, injury, disorder, or medical condition that prompted the insured person to seek treatment or take medication 60 to 180 days before buying a travel insurance policy. To find out whether your travel policy covers pre-existing conditions, read through the Description of Coverage to determine what is and is not covered by your insurance provider.

Participating in high-risk sports and activities

If you have an adventurous spirit and plan on participating in sports like parasailing, bungee jumping, white water rafting, etc., then you may not be allowed to claim in case of injuries, equipment loss, or personal financial losses. To protect yourself, ensure that your travel insurance policy covers all the activities you’ll be engaging in.

Travelling against government advice

The government releases travel alerts every so often, warning its citizens against travelling to areas with civil unrest, inclement weather, security matters, and disease. Therefore, if you decide to travel to a specific country despite a warning from the government, your travel insurance provider will not cover you at that destination. Pay attention to government warnings via their travel advisory website to ensure that you are not travelling to high-risk destinations.

Participating in self-harm incidents

Driving under the influence of drugs and alcohol will render your travel insurance null and void. If you must indulge in alcohol consumption, ensure that you get a designated driver to avoid harming yourself and others.

Cancelling your trip before departure

While most travel insurance policies cover travel delay and travel interruption, they do not cover trip cancellation. Your insurance provider may fail to approve your claim if you change your mind about travelling.

To find the best travel insurance policy for you, visit our website and get travel insurance today.

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Although UAE healthcare is free for all citizens, expats working in the Emirates often struggle to meet medical costs, particularly dental charges; so much so that many expats prefer to fly back to their country of origin for any kind of dental treatment. What’s more, UAE citizens and expats alike find it difficult to access the specialist and high tech services available at Dubai Healthcare City without medical insurances. Although all employers are legally obliged to provide health insurances, the cover provided may not be adequate and does not cover family members and dependents.

If you’re considering taking out private medical insurance in the UAE, there are lots of different things to consider. First off, you’ll need to decide whether to take out a fully underwritten health insurance plan or opt for a moratorium plan.

What’s the difference between moratorium health cover and fully underwritten health insurance?

The main difference between the two policies is that fully underwritten health insurance requires you to provide your insurer with your entire medical history – this choice can work out cheaper over the long term and may offer far more medical insurance than a moratorium policy. Here in the UAE, a fully comprehensive insurance of this nature can be the best way for speedy access to more specialist, private healthcare.

With a moratorium policy, you simply need to complete a questionnaire, giving a limited amount of detail to your chosen insurer. This can be a much simpler way to insure your health, but it may not offer the extensive coverage you’d acquire with fully underwritten insurance. The choice between the two comes down to your budget and own health history.

Specialist health insurance

You can also opt for specialist medical insurance, which simply covers against certain treatments or in specific criteria. Examples include medical insurance for over 50s and medical insurance for specific conditions. This type of insurance can help you to compile the medical coverage you need, while also relying on any free services in your locality for any other medical conditions. One major benefit of specialist medical insurance is that it can help you skip the queues for a range of treatments and diagnostic tests, such as CT scans, knee or hip replacement surgery, and cataract surgery.

What does private health insurance cover?

You’ve probably already recognised that different private health insurance policies offer varying service models. You can rely on most policies to cover you for inpatient care at any time you need to overnight in a hospital setting. Although outpatient treatments also tend to be covered by most policies, the amounts that can be claimed back are very different as caps are often in place.

In addition, some insurance policies cover the costs of drugs that are not readily available locally, and may also provide some cover for psychiatric care. If you already have a pre-existing medical condition, your insurance premiums will be impacted, although it is still possible to source the policy you need.

Check out Compare Insurance now to discover the wide range of policies available in the UAE and worldwide.

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