Why should have medical insuranceGet a quote now
As you may know, health insurance is compulsory for expats living in Dubai. Public healthcare is provided almost for free for UAE citizens while expats are covered with a higher cost for hospital care and treatments. Having a private medical aid or health insurance plan ensures that you are covered for care in private hospitals and can benefit from the use of other resources, depending on the level of cover that you choose.
Dubai Health Insurance Law
The 2014 Dubai Health Insurance Law states that employers are required to cover the health insurance of employees (whether they are citizens or expats). If your employer does not cover your healthcare insurance, you would be required to cover this for yourself. Basic healthcare which is the most cost-effective plan covers consultations with your doctor, necessary surgical procedures, and tests, maternity procedures as well as referral to specialists. Basic plans do not cover cosmetic procedures and other treatment which is termed as luxury.
In-patient and Outpatient hospital treatment
If you are looking for medical insurance that covers you not only for in-patient hospital treatment, but the ability to see healthcare specialists as an outpatient too, a comprehensive health care plan may be a good idea. Although comprehensive plans can be more expensive, you receive more benefits and have less out-of-pocket expenditure.
There are many benefits of having health insurance in Dubai, including the ability to receive care and treatment from well-trained and experienced medical professionals in private facilities. The level of cover you receive is subject to the insurance plan you choose.
If you have a pre-existing condition, or in other words a condition or illness that you have had continuous treatment for the last 5 years, investing in a comprehensive medical insurance plan would be beneficial. Comprehensive health insurance plans cover consultations with other healthcare professionals and may assist in the coverage of prescribed medication for your condition.
While none of us anticipate requiring emergency medical treatment for illness or accidents, having a medical aid covers your basic to long term needs and may put your mind at ease. If you have required emergency medical intervention you will know that surgery and medical care can be costly and stressful.
Basic or Comprehensive Plan
Whether you are looking for a basic or comprehensive medical insurance plan, Compare Insurance provides a simple and quick platform to compare any different types of insurance across the board and assess the level of coverage that suits both your needs and your pocket.
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Senior citizens are one demographic which may be compromised when it comes to premiums on medical aid
Pediatricians, dermatologists, obstetrician/gynecologists, anesthetists, and ophthalmologist specialists
Some policies would pay out cash weekly as a benefit if the policyholder is admitted to the hospital
This would be a great option if you do not want the monthly or annual premiums
Each medical insurance policy would be different and every insurance company would offer different types of medical insurance plans
There are many different types of medical insurance and the features and benefits of each policy
Medical aid can save you from crippling medical bills and debt
It’s very simple and you have to take the time and compare a range of medical insurance plans
Ensure your cover is designed for your and your family’s needs
If you are a first-time medical insurance policy buyer or currently shopping around we have put together some tips
Your employer would give you basic health insurance but that is not always enough for your need
This is not an easy time for anyone but it’s important to prepare for these unfortunate events.
Paying medical costs out of your packet can be financially crippling and you can’t put a price on health
The basic sector would most likely exclude dental, ear and eye care which is crucial for all people
A health insurance plan is one of the best and safest ways to ensure you have financial cover in the case of a medical emergency
Some insurers call the co-payment “excess” and this can be a specific amount or a percentage of the claim.
Check your policy to understand if medical repatriation is a benefit, this means would your medical insurance cover you
Student medical aid would be at a more affordable rate for students who are still busy studying
You can get personal financial solutions that fit your life and budget as your life changes
It’s possible that you can tailor your health plans or choose your medical aid to best suit your needs and your pocket
This benefit offers you a holistic approach to treating your pain by highly trained professionals
Regional healthcare policies cover residents in the UAE and other GCC countries. The coverage and pricing of these policies can vary greatly
International health insurance should offer comprehensive cover for people living abroad
Health insurance tier systems should help consumers compare similarly priced health plans
IC treatment deals with the most critical cases and involves special procedures and monitoring
Many medical plans include “outpatient cover”
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Like surgeons, anaesthetists may charge a separate fee for their services during medical procedures
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One of the options available under many healthcare plans is cover for the cost of returning to the UAE after treatment abroad
Radiology, also known as diagnostic imaging, is the science of diagnosing and treating various types of diseases
The extent of coverage for this kind of testing depends on your medical scheme
In the UAE, health plans cover the cost of organ transplants. Costs for the acquisition of the organs is, however, not necessarily covered.
In the UAE, coverage for alternative treatments such as acupuncture are usually associated with high-end plans only
This additional insurance covers the cost of travel for a family member to visit you should you be hospitalized
Having personal health insurance is an advisable preventative measure against unexpected health costs
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