Global panic in stock markets around the world, as well as the World Health Organisation’s concerns about the spread of Covid-19 (coronavirus), are causing many UAE residents to query whether their current health insurance cover provides essential protection. If your existing health insurance is provided by your employer, you’ll need to speak with your manager or occupational health team about this; however, the CompareInsurance team has issued this update for anyone in the UAE with private health care insurance.
Worried about UAE health care insurance cover against Covid-19?
You will already have seen and read lots of news stories about Covid-19, and Gulf News is running a story about ways to protect yourself against catching the virus while at work or travelling. One of the most common queries about the virus relates to health insurances, and whether cover will be available. This will all depend on the type of medical health insurance you have. The quickest way to discover if you’re covered is to get in touch with your insurer direct – this is especially vital if you’ve recently returned from countries like China, Iran or Italy.
It’s likely that your health care insurance will cover you for treatment if you do develop Covid-19, as it is a viral infection. Some individuals do have medical exclusions noted on their Certificates of Insurance. For example, if your Certificate has an exclusion for any respiratory conditions or any pre-existing condition that could be impacted by Covid-19, then you may not be covered for diagnosis or treatment if you develop the infection.
Income protection insurance can help if you need to self-isolate
Many Dubai and UAE employers are stressing the importance of self-isolation if you have worries about visits to areas that have already been severely affected by Covid-19. One way to protect your income throughout any long term self-isolation is via an income protection plan. Just so long as your existing health insurances don’t include medical exclusions, an income protection policy could be the perfect insurance protection needed. You can browse our website to discover more, or chat with one of our experts online to discuss any issues or concerns you may have.