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Inclusions and Exclusions in Health Insurance in the UAE
Inclusions and Exclusions in Health Insurance in the UAE
The healthcare sector in UAE is recognized for its cutting-edge facilities and treatments. With the increasing demand for modern medical care, health insurance providers are now covering a variety of treatments. Whether you are a resident or an expat, knowing which treatments are and are not covered by your health insurance in UAE plan will help you make informed healthcare decisions. This article will teach you about basic health insurance exclusions and inclusions, as well as how to maximize available benefits.
Treatments Covered Under Health Insurance in UAE
Let us have a look at the most common inclusions in health insurance Dubai and the UAE:
Always check with your insurance provider to see what treatments are covered (included) under your individual health insurance coverage. Coverage information may differ according to the provider, plan, and individual circumstances.
| Treatment/service | Description | Significance |
| Pre-existing conditions (if disclosed) | Treatment for illnesses disclosed during the application is subject to approval and plan parameters. | Provides free support for chronic or pre-existing health conditions. |
| In-patient services | Hospital stays, operations, and related care necessitated admittance | Covers costs for expensive medical procedures or hospitalization. |
| Out-patient services | Consultations, diagnostic testing, and treatments do not necessitate hospitalization. | Provides flexible access to regular and follow-up care. |
| Chronic disease management | Ongoing treatment for illnesses such as diabetes, hypertension, and asthma. | Helps to manage long-term illnesses and avoid complications. |
| Maternity and newborn care | Delivery, prenatal and postnatal care, and health services. | Family planning is essential for ensuring good maternal and newborn care. |
| Cancer care | Advanced treatments include chemotherapy, radiation, and palliative care. | Offers protection for critical illnesses, easing financial burden. |
| Rehabilitation services | A physician may prescribe physiotherapy, occupational therapy, or other forms of post-treatment care. | Helps people recover from operations, injuries, and major illnesses. |
| Diagnostic testing | Blood tests, imaging (X-rays and MRIs), and other diagnostic procedures may be required. | Ensures precise evaluation and effective treatment planning. |
| Home healthcare services | Nursing care is provided in the home for chronic diseases or post-surgical recovery. | Ensures a comfortable recovery in a familiar setting. |
Treatments Not Covered by UAE Health Insurance:
| Exclusion | Description | Notes/examples |
| Birth control and family planning | Contraception, sterilization, vasectomy, and pregnancy termination (unless medically indicated) | This includes family planning consultations and contraceptive discussions. |
| Cosmetic treatments | Cosmetic operations that are not medically essential. | Abdominoplasty, scar repair, and nasal septum adjustments are all included unless medically necessary. |
| Desensitisation and neutralisation | Treatments for allergic disorders, unless medically essential. | Allergy testing and immunotherapy that are not directly related to a medical problem are prohibited. |
| Eyesight correction | LASIK and PRK are examples of vision correction surgery. | Routine glasses or contact lenses may be excluded unless covered by a particular plan. |
| Obesity treatments | Weight-loss operations and related therapies are not covered unless explicitly stated in the policy. | Includes slimming methods, medications, and classes. |
| Health hydros and spas | Treatments in non-hospital settings such as spas, health hydros, and nature cure clinics. | Any treatment that is not intended to improve a medical condition. |
| Non-improving conditions | Treatments for illnesses where no improvement or recovery is anticipated. | Includes artificial life support for vegetative states, unless caused by cancer. |
| Criminal acts | Treatments for injuries sustained during illicit crimes or criminal activity. | Includes accidents caused by reckless driving or defying authority. |
| Elective procedures | Non-essential procedures include dentistry and elective surgery. | Surgeries such as tooth whitening or cosmetic veneers are not covered unless covered by a special plan |
How Do You Understand Your Health Insurance in the UAE?
1. Review your policy details
2. Contact your insurance provider
3. Seek prior approval
4. Use networked hospitals
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