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A group of people who buy health insurance in UAE needs to be made aware of the exclusions of the policy. The waiting period is one such major exclusion. The purchase of medical insurance Dubai and the UAE does not guarantee that the insurance companies in UAE will provide coverage to you on the first day. Instead, you should hold off on making such statements for a few days.

A waiting period in health insurance in Dubai and the UAE is the time a policyholder waits before submitting a claim to the insurer in order for the claim to be taken into consideration for some or all benefits covered by the policy.

Different insurance companies in UAE have different terms and conditions and waiting periods of varying lengths. The waiting times and rules for the same vary according to coverage and conditions. Most of the time, during the waiting period, policyholders won't get any coverage or payments from their insurance company.

Types of Waiting Periods in Health Insurance UAE

• Initial waiting period

The policyholder is not eligible to make a benefit claim if they are hospitalized within the first three months of their medical insurance coverage starting. The policyholder should wait it out before filing any claims. The typical waiting time is between one and three months. The lone "accidental claim" is the sole exception to this rule. If the policyholder faces a major accident and needs to be admitted right away to the hospital, the insurer approves the claims. 

• Maternity benefits waiting period

In the UAE, there are several medical insurance Dubai and UAE companies that offer maternity benefits within the terms of the policy; however, there is a waiting time of three to four years. Anyone looking to purchase insurance should begin their planning as soon as possible. Some insurance firms have decreased waiting periods to satisfy market needs, but their rates are a little higher than the rest.

• Waiting period for pre-existing diseases

You have to face a waiting period for some illnesses that the insured has already disclosed at the time of policy purchase. These illnesses are referred to as pre-existing diseases, and the waiting period for them is referred to as the pre-existing diseases waiting period. The waiting time typically ranges from one year to four years of continuous insurance coverage. The waiting period in these situations is based on the health of the policyholder.

• Disease-specific waiting period

For special illnesses such as osteoporosis, hernias, tumors, ENT disorders, etc., there is a waiting time of 1 to 2 years. The policy documentation of insurance companies in Dubai and UAE specifies the waiting periods for each of these ailments. Each provider may have a different waiting period for certain conditions.

• Free annual health check-up waiting period

A free annual health checkup is a benefit offered by many health insurance uae providers as part of their medical insurance coverage. However, there can be a waiting period of about one year before you can use this benefit. Meaning that starting in the second year of their medical insurance plan, customers are eligible to use this benefit.

The Necessity of Waiting Periods for Medical Insurance in Dubai and the UAE

Customers get health insurance in Dubai and the UAE intending to get reimbursements. Insurance companies in UAE made the idea of waiting periods to prevent false claims and malpractice.

The type of medical insurance Dubai and the UAE plan, including family floater medical insurance, individual medical insurance, group medical insurance, etc., and the age and medical history of the policyholder are some of the variables that affect the waiting period in health insurance uae.

You should read the small print of a medical insurance policy, be aware of the waiting period in full, and then select a shorter plan. So, you can take advantage of a medical insurance Dubai and UAE policy's benefits as soon as feasible rather than paying for medical bills out of your savings while waiting a long time.

policyhouse is one of the best insurance companies in UAE with super-simple claims, dedicated customer support, instant and easy processing, and free registration assistance. You can simply upload details, check quotes, make a payment, and get a policy. Our professionals, with rich years of experience, are always ready to help you with complete details. You can select the city of registration and check for quotes. Your health insurance in Dubai and the UAE is just a click away! Please feel free to ring us!