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What is Health Insurance?

Health Insurance is one of the most important components of a person's life. It helps the insured to have an opportunity to mitigate the high risks associated with illness and treatments. Also offers financial coverage for all the medical and surgical expenses incurred by the policyholder at the time of hospitalization. Sharjah is home to some of the best public hospitals in the UAE, The Sharjah Health Authority does a good job of ensuring that the hospitals in Sharjah strictly follow the high medical standards set by the authority.

Why choose Policyhouse.com?

Buying health insurance online is one of the best ways to buy a health insurance policy. policyhouse.com is arguably one of the easiest and safest ways to buy health insurance, be it individual, family, senior citizen, or employee insurance plans.

policyhouse.com uses a unique algorithm to offer multiple insurance policies that satisfy customer requirements based on customer inputs. The opportunity to compare the different policies inevitably gives the power of choice in the hands of the consumer. Through Policyhouse.com a customer could choose the right policy that completely covers his/her requirements.

Features & Benefits of Health Insurance in Sharjah

An optimum health insurance policy will usually cover day-care hospitalization along with pre and post-hospitalization benefits. Almost all the medical insurance in Sharjah comes with cashless hospitalization facilities and reimbursement facilities. All the medical expenses incurred to a policyholder are either paid directly to the hospital (in the case of cashless hospitalization) or reimbursed to the policyholder on the submission of reimbursement claims.

The different features and benefits of medical insurance in Sharjah and across the UAE are listed as the following:

Cashless Treatment

Cashless facilities offered by insurance providers give the policyholders an option to avail of the medical treatment without paying money at the hospital cash counter. The cost of the treatment in this case will be reimbursed to the hospitals by the insurer on behalf of the policyholder. The policyholder is required to provide the policy number at the time of admission, everything else will be taken care of by the hospital on behalf of the insurance provider.

However, if the medical expenses exceed the insured amount then the insured person will have to settle the amount from his/her pocket. The amount exceeding the insured sum will not be settled by the insurance company.

Reimbursement

Cashless treatment facilities can be availed on insurance partnered hospitals only. For a non-partner hospital, the policyholder will have to avail of the reimbursement option with the insurance company. In case if the policyholder is admitted to a non-network hospital, the cost of hospitalization will be initially borne by the policyholder. After the treatment, the policyholder can submit all original receipts along with necessary documents to avail reimbursements from the insurer. Reimbursement of expenses can not be more than the sum insured in the health insurance policy.

Coverage for Pre & Post Hospitalization

Health insurance in Sharjah and across UAE provide coverage for pre and post-hospitalization expenses. The cover is usually for a specific number of days, all the pre and post hospitalization expenses within the specific days will be covered by the insurance. The specific number of days will be mentioned in the policy document.

Medical Check-Up

Medical insurance in Sharjah and across UAE usually offers its policyholders free medical check-ups at regular intervals. The frequency of these medical check-ups can vary from one insurance provider to the other. It is interesting to note that a handful of medical insurance providers in the UAE offer free medical check-ups based on past medical records and no claim bonus history. The frequency of the free medical check-ups offered differs from one insurer to the other.

Transportation Expenses

In the case of hospitalization, the transportation expense (ambulance expense) from home to hospital and vice versa will be covered by the insurance policy. It is usually an add-on to the existing cover and the health insurance policy buyer needs to opt for the same at the time of medical insurance purchase.

No Claim Bonus (NCB)

If the policyholder does not make any claim for the policy year then the policyholder will be eligible for No Claim Bonus reward. No Claim Bonus is usually awarded as a discount on the premium cost or as an increment on the sum assured. The benefits are usually reflected at the time of policy renewal.

Third-Party Administrators (TPAs)

Most Health Insurance providers in Sharjah and across UAE use Third Party Administrator (TPA) to handle their sales and other services. These TPA’s manage a wide variety of services like claim settlement, enrolment, premium collection, and so on. While purchasing medical insurance in Sharjah and across UAE, the applicant should do the necessary due diligence to pick the best TPA’s available in the market that are reliable and easily accessible at the same. Identifying and selecting the best Medical insurance and Third Party Administrators is a must for enjoying the best experience possible.

Room Rent

Having health insurance will help the policyholder to cover all the hospital room rent expenses at the time of hospitalization. The cost limit of the room rent covered by the insurance policy will be mentioned in the health insurance policy agreement.

Types of Health Insurance in Sharjah and Across UAE

There are mainly two types of health insurance policy plans available to meet the specific needs of the policyholder:

1
Individual Health Insurance Plans

Individual health insurance plans cover the hospitalization expenses of a single policyholder. The cashless and reimbursement facilities for pre and post-hospitalization expenses associated with the policy cover the cost of illness or hospitalization expenses of a single person.
2
Family health Insurance Plans

Family health insurance plans cover the medical expenses of an entire family that is insured under the scheme. Family health insurance plans are considered value for money by prospective customers for its affordability and wider coverage capabilities.

The only drawback of this policy is that the insurance restricts the number of policyholders to one spouse and a fixed number of children. The sum assured in the family health insurance plans are usually shared among the family members included in the policy.
3
Plans by Nationality

Certain medical insurance companies in Sharjah and across UAE do offer slightly better insurance policy plans to UAE nationals than to the rest of the population. Hence, the nationality of the policyholder can determine the composition and premium of the medical insurance policy.
4
Group/Employee Health insurance Plans

Group health insurance plans are usually bought by employers for their employees. The biggest feature provided by employee health insurance plans is the ability of the employer to include and exclude employees as they join and leave the business establishment. Employee health insurance plans are usually low in premium due to the low-risk nature of the policy.
5
Senior citizen health insurance plans

Senior citizen health insurance plans are designed specifically for people who are 60 years and above. Such plans usually come with higher premiums as the chances of senior citizens getting sick are considered high. Very few health insurance providers in Sharjah offer senior citizens health insurance plans, most insurance plans come with mandatory health check-ups. The health check-up report will be used as a decision-making tool to consider the sale of the insurance policy to the client.

Health Insurance Inclusions

Health insurance policies in the UAE adheres to a set of inclusions that clearly defines the length and breadth of the health insurance cover owned by the policyholder. The inclusions mentioned below are standard for all the health insurance policies sold across the UAE.

The standard health insurance inclusions include items like:

Pre & post hospitalization
Medication
In-patient hospitalization costs
Pre-existing diseases and health illnesses
Newborn or Maternity
Ambulance fees
Health check-ups
Hospital room cost
Vaccination and inoculations
Daycare procedures

Health Insurance Exclusions

Health insurance exclusions consist of a list of medical services and treatments that are not covered by health insurance in Sharjah and across UAE. Mentioned below are some of the most common health insurance exclusions:

Unnecessary Operations - Medical insurance in Sharjah will not cover the cost of treatments that are considered not crucial for the health and wellbeing of the policyholder.
Cosmetic Treatments - It is very difficult to find a medical insurance provider that covers the cost of cosmetic treatments as part of the health insurance policy cover.
Obesity - Obesity treatments are usually not covered by most medical insurance providers in the UAE.
Dental & Optical Care - Medical insurance providers that provide medical insurance in Sharjah usually do not cover the cost of dental and optical care. A handful of medical insurance providers do offer emergency dental and optical care cover to their insurance holders. Most medical insurance in Sharjah provides its customers an opportunity to buy the cover as an add-on (by paying additional premium).
Waiting Periods - Certain medical insurance plan benefits come into effect after the customer has been a policyholder for a specific period of time. This is what is called a waiting period. The benefits that require a waiting period include maternity cover, cover for pre-existing conditions, cover for chronic conditions, and so on. Policy renewables usually do not come with a waiting period.
Voided Policies - Medical insurance policies issued in the UAE come with the "right to terminate". The health insurance policy can become void due to the direct action of the policyholder. The activities that might result in the insurance policies made void include but are not restricted to things like indulging in illegal activities (like gambling), self-harm or suicide, not paying the medical insurance premium on time, and so on.

How to File a Claim for Health Insurance in Sharjah?

The health insurance claim process can be based on the hospital the policyholder chooses to get his/her treatment. If the hospital is part of what is commonly known as the network hospital (the hospitals that the insurance provider has tie-ups with) the insurance claim process involves a certain set of actions. If the hospital is a non-network hospital (the hospital that the insurance provider has no tie-ups with) it requires a different set procedure.

The two major ways that members of a health insurance policy can make health insurance claims are mentioned below:

Within the hospital network

The health insurance companies operating across UAE usually have close business tie-ups with hospitals and clinics across the country. When a policyholder seeks treatment in one of these network hospitals he/she can avail cashless claim settlement process. The payment for the treatment will be reimbursed by the insurance company to the hospital. The policymaker does not have to make any payments with this regard. The cashless claim remains valid only if the treatment availed by the policyholder is within the stipulated policy limit.
Outside the hospital network

In this scenario, the policyholder is expected to pay for the treatment availed by him/her in the non-network hospital. The insurance provider will reimburse the claim amount spent by the policyholder on the basis of the original bills and other document proofs submitted as per the policy agreement. The reimbursements are usually subjected to the policy eligibility and the limits set by the insurance provider. Policyhouse.com one of the leading insurance brokers in Sharjah can cut the clutter for you, call our friendly customer service department to know more.

FAQs on Sharjah Health Insurance

Is it necessary to declare my pre-existing conditions at the time of buying Insurance?

Revealing pre-existing medical conditions is the best thing to do at the time of buying medical insurance. This information will help medical insurance companies to suggest the best policy for your requirements. Besides, having discrepancies in medical records might lead to medical insurance being void. Honesty is the best policy!.
Is there a grace period in which I can cancel my medical insurance plan without charge?

Yes, there is a grace period in which the policyholder can cancel the medical insurance plan. He/she can get a full refund for the same. Full reimbursements are valid for policyholders only if they have not made any claims.
What is the scope of coverage for medical insurance in Sharjah?

Most medical insurances bought from Sharjah will have the entire UAE geography covered under its policy. Hence, a customer can avail of treatment from other emirates as well.
Are family plans the cheapest health insurance policies in the UAE?

Yes, family plans are the best option to insure your entire family in the UAE. It is not only significantly cheaper but value for money as well. The ability to cover the entire family makes the claim settlement, premium payment, and other processes easy and less time-consuming.
Are family plans the cheapest health insurance in the UAE?

The cost of medical treatments are on a rise in the UAE. Some treatments can bankrupt an entire family, having health insurance can cushion the family from these unexpected high costs.
What does health insurance cover?

Health insurance usually covers doctor consultation fees, medicines, laboratories, diagnostic tests, and so on. What is covered in each health insurance policy depends upon the priorities set by the policyholder at the time of purchasing the health insurance cover.
Do health insurance cover for assistance provided during medical emergencies arising while insured members are traveling abroad?

Yes, there are specific addons that cover such expenses. While buying the insurance check the add-ons that suit your requirement. Basic plans usually do not come with the same. Policyhouse.com can give you a professional opinion regarding the same.
How is the deductible applied?

A deductible is a fixed amount or a percentage of the expenses that the policyholder has to pay before the insurer pays the medical expense. Higher the deductible lower the insurance premium and vise and versa.
On the health insurance quote, it is mentioned 20% co-insurance/Co-payment on all outpatient services. What does this mean?

The coinsurance/copay is the amount that has to be paid by the policyholder directly to the health care provider on all covered/eligible medical treatments. 20% is the total expense borne by the insured.
Will the insurance that I purchase from policyhouse.com cover pre-existing and chronic conditions?

For first time applicants (New to Sharjah), there is what is called a cooling period (no claim period). This cooling period usually lasts for 6 months. The insured is allowed to claim treatment for all the pre-existing and chronic conditions. These pre-existing and chronic conditions should be disclosed at the time of purchasing the insurance as it is useful information used for determining the insurance premium.

At the time of insurance renewal, the customer is obliged to mention pre-existing and chronic conditions suffered by him/her. There is no cooling period for renewal purchases. To know more contact the policyhouse.com customer support facility that is available 24*7.
What should be done if a policyholder does not carry his medical card to avail of medical service at a network hospital?

All the basic health policies are usually linked to the Emirates ID provide the same at the time of admission. Another option is to pay the expense from hand and submit the original treatment bills along with the necessary documents for reimbursement of claims. Policyhouse.com being one of the most beloved insurance brokers in the UAE Offer 24*7 customer support along with an easy claim filing option.
Can I visit a non-network provider?

Yes, you can. The policyholder will have to pay the cost of treatment upfront to the hospital and then claim reimbursement for the same with all the valid documents along with all the paid receipts.
Is maternity covered under the health insurance policy?

Maternity cover is available for insurance purchased by married women residents in Sharjah. The premium in such cases would be higher. Most maternity cover consists of 8 prenatal visits and 7000 AED minimum benefits paid as child delivery support. Get in touch with the Policyhouse.com customer service interface to talk to our friendly executives about the same.
Is optical & dental cost covered for health insurance policy taken in UAE?

Optical and dental covers usually do not come as standard with any medical insurance plan. Optical and dental covers usually come as an add-on to the existing insurance plan. Keep in mind, add-ons increase the premium of the plan.