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Do you know? In the unfortunate event that your new baby needs medical treatment, the healthcare plans in the UAE add a newborn child benefit that offers protection. With this health insurance UAE, you can avoid paying high prices, especially for private healthcare. From their very first moments with us, newborns truly need particular attention and care.

As a result, the DHA (Dubai Health Authority) made efforts to offer health insurance in Dubai and the UAE to newborns by requiring insurers to do so regardless of whether the child is born prematurely or not. So, any baby born in Dubai has access to ongoing medical coverage from the moment of birth. Many insurance companies in UAE provide medical insurance Dubai, health insurance UAE, etc. But choosing the best firm is very important.

The Newborn Baby health insurance UAE plan gives newborns lifetime insurance coverage. So, this facility will definitely help the parents feel secure knowing that their child offers vital lifetime coverage. The UAE maternity insurance plan generally permits the addition of this newborn child health insurance coverage.

No More Holding Around

No insurance companies in Dubai and the UAE will refuse to pay for treatment costs for any medical condition within the first six months after birth when a newborn is added to an individual policy or pre-existing group, or when the newborn is insured independently.

Before, some insurance companies in uae demanded a six-month waiting period, during which time coverage was suspended. If the delivery took place in fewer than six months, this was very hard. So, DHA excused the newborns from the waiting time. Parents are now free from worrying about covering the child's medical care price out of their own money right away.

Backdating is Permitted

All newborns will be covered by a new policy starting seven days before the commencement date. If added or if it is used within the first week after delivery, health insurance in Dubai and the UAE can offer coverage to the kid from the time of their birth, promising that they are protected.

It applies to new babies and is not for any other situation. The start date of the baby's coverage is retroactive if the child is covered by the mother's policy. This suggests that the costs covered by the mother's health insurance in Dubai and the UAE plan may be canceled, and the money will instead be taken from the newborn's plan.

What is Covered Under Newborn Health Insurance?

Selecting a health insurance uae plan that also provides the merits of newborn child coverage will assist you avoid paying for expensive medical services all across the country, not only when the child is born but also for the rest of their life.

It is crucial if your kid is born with a serious medical issue that might be fatal and is only diagnosed after the baby is delivered. Many health insurance plans prohibit parents from including their child's medical needs in their coverage until the child is born. Due to this flaw, insurance companies in Dubai and the UAE treat any serious medical condition that poses a risk to the child as a pre-existing condition.

Now, the government promises that every one of its residents, including the young children who represent the future of the nation, has access to high-quality healthcare. Benefits given by the majority of insurance companies in UAE with New Born Child Cover are listed below:

• No waiting period to get protection for your newborn.

• A promise of lifelong insurance coverage.

• Comprehensive coverage that includes every congenital birth defect.

• Sidestep the issue of pre-existing conditions.

• Protect against the expenses related to premature deliveries.

Regardless of your baby's condition, the insurance plan makes sure they are fully shielded from exorbitant medical bills of treatment for the rest of their lives. There are mainly two methods to get newborn child insurance protection. The newborn can either be covered by the family's current health insurance uae plan or a separate newborn benefit can be grabbed for the infant.

What If The Baby is Born Under an Already Existing Plan?

If the baby is born under an already existing insurance plan, there is a different approach. The majority of health insurance in Dubai and the UAE providers give this as an alternative to expatriates residing in the nation. With this option, the newborn is offered the chance to join the family's current health insurance plan and receive instant access to all of the plan's benefits.

While the DHA has eliminated the waiting period in Dubai, there may still be a waiting time before your new baby is covered under your current health plan in other parts of the nation. This waiting period differs from insurer to insurer as well. The waiting period before the plan becomes active is typically 6 months.

So, you must keep your health insurance policy for at least six months before adding your kid to it. On the other hand, if your child is born earlier than these six months, you need to apply for a free benefit. The only alternative to this is purchasing a new different insurance policy to get health coverage for the newborn. 

Newborn Child Benefit

The majority of health insurance companies in UAE have a New Child Benefit in their maternity coverage. With it, your child will get a set amount of health coverage through your coverage. You must submit a new application to the insurance provider once the time limit or the financial limit is met in order to ensure that your kid continues to get insurance protection.

Any medical issues with your child will be mentioned as pre-existing when you submit any extra applications for continuous coverage after the Free Newborn Child Benefit has run out. While, on the one hand, this option is more affordable, it is also risky, mainly if the kid develops a medical issue while still in the womb.