Currently, health insurance is only compulsory in Abu Dhabi while residents in Dubai will still get free medical service in life threatening emergency cases at the public hospitals. However, with the right insurance plan you will be covered for most medical expenses and you will be able to give yourself and your family a secure access to medical services.
There are many insurance providers in the UAE and choosing one can be a difficult task. Price should be one consideration when comparing policies. You should also consider the benefits and restrictions of the different policies. InsureMe.ae has done the hard work for you. It allows you to compare the best insurance options side by side, thus allowing you to select the most suitable cover for you.
FAQ - Health Insurance UAE
- Why do I need Health Insurance?
Being a private health insurance member allows you to be treated in a private or public hospital as a private patient. This means that you may be able to choose from a range of clinics and/or hospitals, the doctor that treats you, and the time for treatment that suits you.
- What does health insurance cover?
The exact amount of hospital treatment you are covered for depends on the level of hospital cover that you purchase, as well as the hospital and doctor you choose and whether they have an agreement with your health insurer and are included in their network. You can also purchase extra cover that includes services that are generally not provided such as services for pregnancy and child birth and/or dental treatments.
- Do I need to have a medical examination before being accepted for the health plan?
You need to complete a medical declaration, although sometimes you might be asked for a medical report from your doctor.
- Will I be covered for any pre-existing conditions?
For individual covers medical conditions for any medical or related conditions for which you have received treatment, had symptoms of, existed to the best of your knowledge or you sought advice for “prior” to your date of entry are excluded from coverage by most health insurance companies. However there are exceptions and if you would like to discuss the options than please contact our helpdesk. If you seek group insurance you might be able to cover the group despite pre-existing conditions of one or more group members. The insurers, however, will decide the outcome, on the merit of each case. You should contact our helpdesk if you wish to discuss your individual scenario.
- Am I coved if I travel away from my area of residence?
This depends on the type of plan you have chosen. For example if you have selected a GCC coverage then you are also covered in all the other GCC territories. If you have selected Worldwide Cover excluding the USA/Canada then you are covered worldwide except for North America.
- How do I know that I am covered before receiving treatment?
Some treatments or planned admission to a hospital might require prior authorization. You can check the schedule of benefits. However, in most cases the Medical Practitioner will contact your insurer to receive the approval prior to the treatment.
- Is Chiropractic/osteopathy covered?
Most insurance companies do offer cover although treatment by a Chiropractor/Osteopath must sometimes be referred by a Specialist only. A referral cannot be obtained retroactively. Coverage might be limited to a certain number of sessions. Be sure to check the schedule of benefits.
- Is Physiotherapy covered?
Most insurance companies do offer cover although claims for physiotherapy might have to be pre-approved or accompanied by a referral from a Medical Practitioner. Cover might be restricted to a number of sessions. Be sure to check the schedule of benefits.
- Are maternity services covered?
Cost associated with normal pregnancy and childbirth, pre- and post natal check-ups and delivery costs may be included depending on the plan you choose - sometimes only up to a limit or subject to a waiting period. If you address your concerns we will able to select the right insurance plan for you.
- Are dental services covered?
This depends on the additional cover you choose. If included in your policy it mainly offers routine dental treatment for examinations, tooth cleaning, compound fillings, extractions and root canal treatment. The number of times these services can be performed and/or the maximum covered amount will be restricted to certain limits as mentioned in the policy terms.
- How is the policy excess/deductible applied?
Policy excess is the amount for which you are responsible and which has to be paid at the time of the appointment and before the insurer will pay. The higher the deductible or so-called excess or co-insurance, the lower the premium you pay. This is an advantage for small business owners to provide a cost-efficient way to provide health insurance to their employees. It may also be a good idea for an individual to look for small deductibles like 25 USD or 50 USD if he or she is happy to pay for medical care for minor ailments out of his or her pocket. For all costly treatments such as hospital in-patient treatment the insurer would pay the amount over and above the deductible. So you should check the possibilities of deductibles if it is within you budget to pay for minor ailments out of your pocket as it could substantially lower your annual premium.
- How to reimburse a claim?
Once you enroll under a health insurance scheme you are free to enjoy the benefits under the plan of choice. You will receive a health insurance policy and a health insurance card. The card will grant you quick and easy access at the providers included in the insurer’s network. If you visit providers outside the network you will need to check the percentage you can claim back from your insurer. This could be 80% or less, or even nothing. This depends on your plan. Certain inpatient and outpatient services require pre-authorization. Any emergency case (life threatening) does not require pre-authorization but has to be notified to the insurer within 24 hours. Each insurer will have an Emergency Assistance Helpline to provide advice and support. Most medical providers in the insurer’s network will accept direct billing but you will be asked to pay the deductible/excess amount before leaving the medical provider’s facility. In case direct billing is not applicable you will have to submit supporting documents to the insurer, within a certain period. Documents will often include medical reports signed and stamped by the treating doctor, lab/radiology tests and original prescriptions. Procedures will be clearly explained in your policy terms and conditions. Make sure you submit your supporting documents within the claim period.