Factors to Compare before Buying the Right Medical Insurance Policy in Dubai
Health insurance is very much essential to make sure of providing top quality and comprehensive healthcare solutions. With large numbers of insurance companies operating in the UAE and producing different types of health plans, identification of a suitable plan is a challenging task.
If we talk about medical benefits, the biggest challenge faced by people is the considerable factors to compare Dubai medical insurance policy. Accordingly, one has to compare large numbers of medical/health insurance plans, which provide appropriate benefits and coverage to fulfill your requirements.
Types of Medical Insurance Available
Based on the broad classification, you may avail of either of the following types of medical or health insurance in Dubai.
DHA insurance plan is the minimum medical coverage, which sponsors or employers provide to their dependants and employees.
Group health insurance covers a certain group of employees along with their dependents. Organizations get a chance to customize the existing plan whether it involves the selection of a provider network to a yearly policy limit.
Family insurance coverage protects you and your family members, while includes maternity-related benefits.
Individual insurance policy is available only for a single person and one can customize it to add or remove the benefits according to requirements.
Good insurance companies have their networked hospitals in different areas of Dubai. In this situation, you should check the list consists of clinics and hospitals available under the medical network of an insurance provider. Health insurance plan according to large numbers of hospitals included in the network of an insurance company.
You may need medical treatment during any time and hence, when you compare Dubai medical insurance, your insurance should cover multi-specialty clinics or hospitals. You should keep in mind that treatment in any network hospital is often cashless i.e. involves direct billing and treatment outside of it takes place according to reimbursement. You should look for an insurance provider, which gives coverage for most of the networks in Dubai and that too according to cashless i.e. direct billing method to avoid hassles of paperwork to get reimbursement.
Pre-existing condition refers to any health condition, which exists at the time of or before buying a health insurance policy. A few of the insurance companies give 100peercent coverage for pre-existing health conditions by charging a high premium amount. However, many other insurance providers provide coverage only after a specific duration. For instance, coverage starts 6months after you purchase a health insurance policy.
Deductibles and/or Co-payments
Deductibles refer to fixed charges, which you should pay from your pocket while undergoing the treatment. Many insurance providers in Dubai thus call it co-insurance or co-payment. When you compare Dubai medical insurance, you should check the following co-insurances-
- Fixed Amount Payable at a Single Visit
According to this type of deductible, you should pay a fixed amount that ranges from minimum AED 20 to maximum AED 75 for your single visit to your doctor. The deductible is applicable only in the case of outpatient treatment i.e. any treatment, which requires hospitalization of a patient for maximum one day i.e. 24hours.
- Annual Deductible
You have to pay an annual deductible amount. For instance, your chosen hospital may charge you AED 1,000 for your annual treatments. On the other side, the insurance company will make payment of any charge beyond this paid amount.
Whenever you compare Dubai medical insurance, you should select an insurance provider that gives cashless benefits and a lower amount as deductible.
Exclusions of a Medical Insurance Policy
You should always take steps to know the exclusions mentioned in the medical insurance quotation list. Even though you may avail of generous benefits, you should look for an insurance policy that has relatively fewer numbers of exclusions in its list.
The Benefits of Working in a Prime Office Location
The location is very important for a brand that is looking to target the right audience. You can have beautiful interiors, a killer office space, hire the best team and your business will tank because you picked the wrong location. So, why is location so…
Al Ghadeer by Aldar – The New Address of Luxury and Convenience
Based on the price comparison, living in Dubai is expensive as compared to Abu Dhabi. From the cost of properties to other basic necessities, Dubai surges ahead of Abu Dhabi when it comes to the cost of living. Although Dubai nestles in itself abundant iconic…
A Complete Guide to Finding the Right Retirement Property for You
Whether you’re excited to pursue new hobbies or looking forward to settling down with your partner, retirement signals the next phase in your life. But deciding where to put down your roots isn’t an easy decision. From the benefits of a retirement village to tips…
Reasons Why Renting Could Be Better Than Buying for all Mumbaikars
For many people, own a home is a life long goal. Although there is a lot of homeownership in Mumbai today, this is not always the case. Historically, the family had to either build their own house or rent an apartment from someone else. Although…
How to find the Best Play Schools in Jaipur?
Kindergarten days are a very crucial grooming period for kids. So, getting a proper orientation and educational guidance is very important to strengthen your child’s Initial foundation. Every new day brings some new learnings, and even parents of a child want the best for their…
Download Latest CA Foundation Revision Test Papers and Mock Test Papers
For cracking India’s most challenging examination of CA, one must be aware of the best preparation techniques. CA foundation is the very initial stage in the journey of CA. It is important to crack the CA foundation level with the highest Marks. VSI introduces the…
Let your CA Results Speak with the Best Institute For CA In India| VSI Jaipur
CA is the most favorite career priority among the young generations. Due to its increasing demands in public and government sectors with admirable salary packages. All interested students prepare for CA from their class 12th only. CA has three levels of examination, such as CA…
Popular Specializations in Law and Career Scopes in 2020
Being a lawyer is a noble profession and gives the power to make a difference in people’s life. The journey of becoming a lawyer is long and filled with hard work and sincerity. Passing with flying colors as a lawyer is not where the journey…
Facts Why Long Kurta is Essential For Woman’s Wardrobe
With regards to styling, Indian women for the most part have a wide range to pick from. On one hand, when ethnic clothing has consistently been stylish, the ascent of fusion look, with the look of kurtas, particularly the long ones, has embraced every Indian…
Why Were Blue Light Glasses So Popular During The Pandemic?
According to the latest study by UpMarket Research, a comprehensive analysis of the Global Blue light glasses Market showed us a rapid surge in pandemic trends. From excessive revenue growth of Netflix, Hulu, or Prime to Zoom, Google Meet, and more, blue light glasses were…
Everything you should know about the flat iron
We are publishing this article to provide you a general overview of the flat irons. If you need to be detailed comprehensive guides about flat iron, just visit www.bestflatironguide.com. Not every person has the total information about their level irons, how to utilize them appropriately,…
Keep it Cool with the Colour of the Day
White for Mondays – White represents peace and mellow and looks and feels incredibly cool as well. Quite literally, the lighter the cloth is, the cooler it is. But anyway moving on from the science, you cannot deny the fact that white can be matched…