hospital – CompareInsurance.ae Blog

When you’re looking for insurance that looks after you physical and mental wellbeing and welfare, you need to be aware of the acute difference between medical insurance and health insurance. These types of insurance aren’t interchangeable, but their respective terms are often used interchangeably, so it’s a good idea to know exactly what each insurance type entails to enable you to find the right coverage from the top health insurance companies.

Medical insurance

Medical insurance is strictly applicable to being hospitalised and any treatments undertaken in a hospital. This means that any aftercare is not accommodated for, leaving it up to you to cover any additional expenses or ongoing treatment outside hospital grounds. It’s a much less flexible option than health insurance, although far better than having no insurance at all.

Health insurance

Health insurance is far more comprehensive, covering your health in totality, from appointments at the GP to aftercare, such as rehabilitation if you’ve had an accident where you’ve been severely injured and any prescription medication. Health insurance is therefore a better choice if you have ongoing health problems, as you don’t have to consider a longer-term financial impact for a pre-existing condition or severe accident or illness.

How do I know which choice is right for me?

Health insurance and medical insurance work for different people, based on factors including:

– Age: health insurance is better for those over 50, who are naturally more susceptible to unexpected illness.
– General health: if you have a history of medical conditions, then it’s wise to get health insurance.
– Financial security: if you’re fortunate to be in a position where your finances are secure, then medical insurance is adequate to cover the basics.

It’s important to note that health insurance also covers the areas that medical insurance policies offer, though it’s worth checking with your provider to ensure that all hospital treatment is covered before you commit to a policy.

Speak to us today

For medical insurance and health insurance in UAE, get in touch with CompareInsurance today to find the policies and insurers that suit your health needs.

Photo: Free image by Pixabay

Seeking out a health plan can be a lengthy and confusing process. You could pore over hundreds of different plans from dozens of providers and not really know what you’re looking for, and especially why some plans cost so much more. In this article, we expose a few things that can change your private health insurance costs, and discover why they’re so important.

What your health insurance covers

Of course, what your health insurance allows you to do is an incredibly important part of sorting a plan. One which only covers life-threatening situations, for example, is not going to be quite as useful as one that has you covered for routine check-ups and more general appointments. More comprehensive plans will always be expensive, so if you see a cheaper plan it’s always risky to assume that you’ll get a much better deal with that option.

Any previous health conditions

If you’ve got pre-existing conditions or any other health issues, you might find health plans more expensive to find. For example, someone with a history of smoking, or that has previously suffered from a heart attack, will find themselves with a much more expensive bill because they are more likely to return to the hospital in the future. Although this doesn’t explain the difference from provider to provider, understanding this will inform you on why you may have cheaper or more costly plans than a family member.

Dependents

Some plans will allow your family members or loved ones to visit a doctor or a hospital under your insurance plan, and these are known as dependents. Of course, a plan with dependents will be more expensive than one without, simply because it has to cover more people, but with a good amount of research you may find that this is cheaper than getting a different plan for each family member.

If you need a new health plan, you need to compare medical insurance quotes to make sure that you get the best deal. To do so, visit CompareInsurance.ae for a wide variety of options accessible to different budgets to find the perfect plan for you.

Photo: Free image by Pixabay