Medical aid for pensioners
Get a quote nowSenior citizens are one demographic which may be compromised when it comes to premiums on medical aid
Health insurance and medical aid is now mandatory for all residents and expats living in Dubai. Whether you are employed or not, all are required to be on a basic plan at the least. Senior citizens are one demographic which may be compromised when it comes to premiums on medical aid, purely due to higher risk factors associated with age. It is therefore important to know what you need and to find the best medical aid plan to fit your needs and your budget.
Most people working and living in Dubai retire between the ages of 55 and 64 years. It has been found that almost 45% of expats working in Dubai have got no retirement plans, to ensure quality of life and an adequate standard of living beyond, working until the recommended age of retirement. There has been an increase in the number of expats seeking work in Dubai and they are staying in the city for longer durations without any plans for retirement.
After retiring, medical aid benefits that an individual might have enjoyed while working fall away and it is then up to the pensioner to ensure adequate coverage. Medical aid premiums are generally higher for individuals over the age of 60 due to increased incidence of non-communicable diseases of lifestyle associated with a higher age. Diabetes, cancers, and heart disease are all diseases for which age is a major risk factor. Individuals with pre-existing conditions are likely to require chronic medication which can be costly if paid out of pocket. Medical aids are likely to add a penalty to premiums offered to senior citizens. This often leaves pensioners in a vulnerable position.
Why would I need medical aid?
Apart from having a higher risk of developing chronic diseases of lifestyle, pensioners may have pre-existing conditions such as hypertension which increase the chance of suffering from complications and requiring medical care. Pensioners are also at higher risk of bone fractures and falls which may require surgery as well as outpatient physiotherapy treatment.
How to find the right medical aid
Individuals who are over the age of 60 may struggle to find medical aid at a competitive price. It is important that medical aid plan covers all pre-existing conditions as well as future needs of pensioners to ensure that the best level of care is provided. Working out a budget would be the first port of call. After figuring out your budget, take the time to compare medical aid categories and plans across the board to find the best one to suit you and cover all of your needs.
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