Find the Best Health Insurance in UAE

Health Insurances

The entire world has seen health emergencies over the times. In such times, health insurance becomes a top priority for individuals and families. Suppose, you are diagnosed with life-threatening cancer at the peak of your career. These situations will make you regret if you do not have health insurance. Health insurance is the insurance policy designed for people and their families. These are protection guarantees that help your family in severe days of unfortunate tragedies related to health..

Why is Health Insurance more important now?

All the global policymakers and the public have witnessed an unprecedented health crisis like cancer and cholera. It becomes more crucial to think about health insurance now. Families are our first and most important responsibilities. Firstly, you do not need to worry about your treatment and expenses at the hospital. Secondly, you can focus on your speedy recovery. Thirdly, all you need is to look for a hospital that has a tie-up with insurance. Moreover, you can relax after buying health insurance. Your lifetime savings won’t be exhausted if you have a health insurance policy.

Benefits of Health Insurance in UAE

Free medical treatment - A great deal of hospitals are working tied up with Health insurance companies in Dubai. In case of an admission at the hospital, the insured can have a free treatment. All that must be done by the insured is to provide the policy number. Anyhow, if the expense goes beyond the limit specified, the insured can settle it in the hospital itself.

Digital Expenditure

The insurance company pays on behalf of you. You need to concentrate on your health only. This cashless treatment liberates you from daily hospital bills.

No Claim Bonus (NCB)

This is the element of health insurance provided by many companies. This is provided to the policyholder if they do not claim for any treatment in their previous years of insurance. This bonus is provided as a discount or an extra amount while availing.

Ambulance service

If the insured needs to get transported to the hospital or from the hospital, the insurance bears all the expenses provided the insured opt for this service while taking the policy.

Regular Medical Checkup

The health insurance is unique and suitable as per your plan. They cover medical checkups frequently. Certain companies provide free health checkups based on your NCB.

Room Rents

You also avail hospital room rent if you have included this in your policy. The health insurance facilitates all such minute details of your hospital expenses.

Third Party Administrators

The health insurance companies in UAE amalgamate with third party administrators. You can avail a wide range of services like enrolment, claim settlement, premium collection and related services. This should be chosen from the most reliable and easily accessible ones in UAE.

What are the various categories of Health Insurance in UAE

You could choose the most apt policy from the many types of health insurance available, based on your medical needs.

• 1

  Individual Health Insurance Plans

  Only a single person can avail this plan as it is offered to single policy holders by the health insurance companies in UAE. This plan offers many advantages like cashless treatment, pre and post hospitalization and many more.

• 2

  Family health Insurance Plans

  To keep your family safe and healthy at an affordable cost, family health insurance plans are the best. Family health insurance plan is a perfect combination of affordability and wider coverage. With this plan, it is easier and cheaper to cover the entire family instead of purchasing separate medical insurance policies for each family member. But, it may restrict the number of policyholders to one spouse and a specified number of children. The sum can be shared by the family members.

• 3

  Plans by Nationality

  Plans by nationality are usually designed for government medical insurance companies in Dubai and other emirates. Typically health insurance providers offer slightly better benefits to UAE nationals. There are different benefits for expatriates and for UAE nationals for this medical insurance.

• 4

  Group/Employee Health insurance Plans

  Group/ employees health insurance plans are provided by company/ employers. They are specifically designed to include & exclude employees as they join & leave the organization. As there is only low risk involved in this plan, they are low in premium.

• 5

  Senior citizen health insurance plans

  Senior Citizen Health Insurance plans are specifically designed for senior citizens who are 60 years old & above. Such plans typically come with discounted premium costs. Only a handful of health insurance companies in UAE offer such types of plans. Also, they ask for a medical check-up before selling out the plan. Additionally, as senior citizens are more prone to diseases and illness, such policies are a little higher when compared to the health plans for young people.