Is it your first time purchasing an individual health insurance policy? If so, you probably have many questions and concerns regarding health insurance and how it works. Below, we’ve answered three commonly asked questions about health insurance to keep you informed.
1. Does health insurance cover pre-existing conditions?
Most insurers don’t cover pre-existing conditions because the risks are higher. For instance, if you have diabetes and get into an accident, your wounds may take longer to heal, requiring more treatment and more doctor visits. This means more money paid out by your health insurance provider, so many plans steer clear of pre-existing conditions.
However, some policies do cover pre-existing medical conditions but at an added cost. Talk to an insurance expert, as they can advise you on the best solution based on your circumstances.
2. What is not covered by health insurance?
The most common exclusions found in health insurance plans include:
• Pre-existing conditions
• Chronic conditions
• Trial or experimental treatments and drugs
• Prescribed drugs
• Fertility treatments
• Sex change and organ transplants
• Cosmetic surgery and treatments
• Drug or substance abuse
It’s essential to note that policies differ from provider to provider, and what may be covered by one insurer may not be covered by another. Therefore, always contact multiple providers at a time and get quotes to compare and contrast what’s covered in each policy.
This way, you can find a comprehensive cover that meets your health needs.
3. Can I use my health insurance policy when travelling abroad?
Your health insurance plan only covers you while you are in the country. For example, if you purchased your cover in the UAE, you won’t get reimbursed if you fall ill when abroad. To ensure you’re covered during your trip, you need other types of insurance, like travel insurance.
The right travel insurance plan will cover medical expenses and emergency repatriations in the countries specified in your policy.
Ready to shop?
Now that you know more about health insurance, it’s time to shop. Use our resources here at Compare Insurance to compare health insurance quotes from various providers. You’ll get access to numerous plans, ensuring you find a policy that suits you.