Why should have medical insurance
Get a quote nowAs 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.
Benefits
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.
Pre-existing condition
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.
Medical Aid
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.
In this article
Dubai Health Insurance Law
In-patient and Outpatient hospital treatment
Benefits
Pre-existing condition
Medical Aid
Basic or Comprehensive Plan
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Physiotherapy
Treatment for kidney dialysis
More than 2000 patients living in the UAE are currently undergoing dialysis
Medical aid for pensioners
Senior citizens are one demographic which may be compromised when it comes to premiums on medical aid
Specialist Consultations
Pediatricians, dermatologists, obstetrician/gynecologists, anesthetists, and ophthalmologist specialists
Healthcare Cash Plans
Some policies would pay out cash weekly as a benefit if the policyholder is admitted to the hospital
Self-pay Healthcare Plans
This would be a great option if you do not want the monthly or annual premiums
Types of healthcare insurance
Each medical insurance policy would be different and every insurance company would offer different types of medical insurance plans
Features and benefits of healthcare insurance
There are many different types of medical insurance and the features and benefits of each policy
How to get affordable health insurance?
It’s very simple and you have to take the time and compare a range of medical insurance plans
How to choose the best health insurance for you and your family?
If you are a first-time medical insurance policy buyer or currently shopping around we have put together some tips
Private health insurance
Your employer would give you basic health insurance but that is not always enough for your need
What To Do When a Loved One Passes Away
This is not an easy time for anyone but it’s important to prepare for these unfortunate events.
Why you and your family needs health insurance
Paying medical costs out of your packet can be financially crippling and you can’t put a price on health
What does health insurance actually cover you for?
The basic sector would most likely exclude dental, ear and eye care which is crucial for all people
Medical Coverage Plans
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
How co-pay works on your health insurance policy?
Some insurers call the co-payment “excess” and this can be a specific amount or a percentage of the claim.
Medical repatriation
Check your policy to understand if medical repatriation is a benefit, this means would your medical insurance cover you
Medical Aid for Students
Student medical aid would be at a more affordable rate for students who are still busy studying
Plans for pre-existing conditions
You can get personal financial solutions that fit your life and budget as your life changes
Is medical aid affordable?
It’s possible that you can tailor your health plans or choose your medical aid to best suit your needs and your pocket
Rehabilitation Treatment
This benefit offers you a holistic approach to treating your pain by highly trained professionals
What’s Covered in Regional Healthcare Policies?
Regional healthcare policies cover residents in the UAE and other GCC countries. The coverage and pricing of these policies can vary greatly
What’s Covered in International Healthcare Policies?
International health insurance should offer comprehensive cover for people living abroad
What Hospitals Are Included in Your Network Tier on Your Health Insurance Policy?
Health insurance tier systems should help consumers compare similarly priced health plans
Treatment in Intensive Care
IC treatment deals with the most critical cases and involves special procedures and monitoring
Outpatient Consultations, Diagnostic Tests and Prescribed Drugs
Many medical plans include “outpatient cover”
In-patient and Day-patient Hospital Treatment
In-patient and day-patient care covers most treatments in hospitals and clinics. But what are the differences between them?
Anaesthetists Roles and Fees in Health Insurance
Like surgeons, anaesthetists may charge a separate fee for their services during medical procedures
Surgeons Roles and Fees in Health Insurance
How does your health insurance handle surgical fees, and what is the surgeon’s role in your health plan coverage?
Help with Costs to Return After Treatment
One of the options available under many healthcare plans is cover for the cost of returning to the UAE after treatment abroad
Radiology Tests
Radiology, also known as diagnostic imaging, is the science of diagnosing and treating various types of diseases
Transplant Services
In the UAE, health plans cover the cost of organ transplants. Costs for the acquisition of the organs is, however, not necessarily covered.
Treatment Administered by a Registered Acupuncturist
In the UAE, coverage for alternative treatments such as acupuncture are usually associated with high-end plans only
Compassionate Visits
This additional insurance covers the cost of travel for a family member to visit you should you be hospitalized
Personal Health Insurance
Having personal health insurance is an advisable preventative measure against unexpected health costs
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