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The chances of developing an illness or other medical condition grow with age. It's possible that someone in your family has a history of pre-existing conditions like diabetes, high blood pressure, etc. If so, you are well aware of how expensive frequent medical appointments and prescription drugs are for them. But you can avoid these expenses if you have medical insurance in UAE.

Health Insurance for Pre-existing Diseases (PED)

The majority of regular and affordable health insurance policies in the UAE cover pre-existing conditions. For the unversed, pre-existing conditions are illnesses or ailments that the policyholder had when they purchased their medical insurance in Dubai and UAE policy. Your insurance provider will cover the costs of treating any pre-existing conditions you may have if you have a health policy. However, most plans do not offer coverage from day one.

After two to four years of waiting, your medical insurance online or offline company will cover the cost of treating your pre-existing conditions. Your insurance will deny any claim relating to your pre-existing condition unless the PED waiting time has passed. However, a small number of plans cover pre-existing conditions from the moment the insurance is issued.

Additionally, those with pre-existing conditions pay higher premiums to insurance companies. This is because these people are more likely to file a claim, making them a greater burden to the insurance provider. Because of this, many people hide their pre-existing conditions from the insurance provider when they purchase medical insurance in Dubai and UAE plans. However, that is absolutely not a good idea.

Why Is It Necessary to Tell Your Insurer About Any Pre-existing Diseases?

When purchasing medical insurance online or offline, many people frequently make the error of failing to disclose any pre-existing conditions. Based on the data the applicant submits to the insurance company on the proposal form, a health insurance policy is issued. The insurance company considers whatever you submit in your proposal form to be honest and accepts it in good faith. It is expected of you to honestly state any pre-existing conditions on the proposal form.

However, it would be a betrayal of trust if you hide your pre-existing conditions on this proposal form. Therefore, the policy will be void, and the insurer will have the scope to deny your medical insurance in Dubai and the UAE claim if they later find out about your pre-existing conditions. This would suggest that the premium was paid in vain. In certain situations, giving misleading information and committing fraud may also result in legal consequences. Therefore, the best action is to disclose any pre-existing diseases if you wish to avoid such hassles.

Endnote

Pre-existing conditions are an unpleasant reality that no one likes to face, but they serve as a reminder of why everyone needs health insurance. However, if you don’t want your future claims to be denied, avoid the error of hiding your pre-existing conditions from your health insurer. Even if pre-existing disease coverage becomes available after a waiting time, be sure to honestly disclose your personal information and medical history in order to benefit from it.

We specialize in providing comprehensive health and medical insurance in Dubai and the UAE policies that are tailored to meet the different needs of families, businesses, and people. We provide a range of flexible and affordable health insurance plans that cover essential medical services, including urgent care, hospital stays, surgeries, and consultations. 

Our health and medical insurance online policies provide access to a variety of trustworthy clinics and hospitals with a focus on affordability and high-quality care. Our customer-focused approach ensures customized support in choosing the appropriate coverage, helping clients make choices that are optimal for their well-being and health. Talk to our experts today!