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Certain times the common public faces some expensive medical treatments that they simply cannot afford to pay, where the mandatory health insurance comes in as a boon. In UAE, it is necessary for the employer to cover up the medical needs of the employees as well as provide them with protection during times of need. This very reason is what made the Government of UAE and Dubai to make it compulsory for the people to have health insurance and improve their standards of living.

What is EBP?

EBP is the coverage that offers only basic as a result it might require one to get advanced coverage for their specific health requirements in the future. Being the cheapest health insurance option, you can get it done from an authorized medical insurance company in Dubai. Not only is this the best option for providing basic coverage at nominal costs but also it helps the lower income group to easily afford for a secured health insurance without any hassles.

How much does EBP cost?

The EBP starts at a low price of DH650. This makes it priced uniformly among everyone. The pricing of the EBP chosen for working people depends on their respective earnings and those who have higher earnings above DH4000, require a higher priced EBP. The premium for senior citizens is also higher and thus they require above DH2500 to get coverage which is due to their high risk factor with increasing age. In case of married women, the pricing of premium is slightly higher than the basic coverage and stands at DH4600.

Does EBP cover any pre-exiting condition?

Ebp covers up for all pre-exiting health conditions without the need for any restrictions.  Not just this, but also the same benefits can extend even in cases of chronic conditions which serves as a huge boon for the general public. Although one needs to keep in mind that it should be clearly mentioned while opting for health cover. There’s also a six month waiting period in order to get the coverage for such conditions.

Does EBP cover any maximum limit regarding the coverage? 

Under the basic mandatory health insurance, EBP lets you cover up to a maximum of DH150,000 for yearly medical expenses. Anything with an excess of that should come from one’s own pocket. In case of impatient treatment, one can avail at a nominal cost and get an exemption f 20% for such services through EBP option. Maximum claim per year is DH1000 and not more than DH500 should be paid per visit. In case of outpatient treatment, the nominal cost is almost similar with 20% treatment cost being provided by EBP. The rest is paid by the person themselves.

Do maternity expenses get covered under EBP?

In the case of married women under the age group of 18 to 45 years, they are needed to pay a higher premium than normal. The best thing about EBP is that it can be used for any diagnostic test at the time of pregnancy. It covers up to a maximum of eight tests and will cover up to 10% of the diagnostic cost. For normal deliveries, the cost is up to DH 7000 whereas in case of Cesarean, it rises up to DH 10,000. There’s also the option to provide coverage for the newborn child with an initial period of one month from the date of delivery.

Why choose Policyhouse.com for your health insurance policy service provider?

Acquiring health insurance policy is one of those important investments that a person should make to safeguard his/her health interests. Streamlining your hassles to find the ideal policy by offering a single-window comparative view of plans from leading insurance companies in the UAE, policyhouse.com has got everything for you. From domestic workers, dependents to female spouses and elderly people, compare health insurance plans for all at policyhouse.com.

Conclusion

To sum it all up, these are all the basic coverage options that get covered up under the mandatory health insurance plans or EBP in UAE. Although there might be a slight variation of rules depending upon the geographical location of the service provider, it is advised that one should read them carefully before accepting the policy. However, in most cases, there shouldn’t be any sort of trouble while accessing EBP throughout Dubai.