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.
A Bajaj Finserv Personal Loan At Low Interest Rate
Personal loans now account for nearly 28% of overall bank credit in India. Thanks to such growth figures, they are among the fastest-growing modes of short-term financing in India. The number of personal loan accounts with traditional lending institutions increased by a little over 17%…
7 Most Stunning Restaurant Interior Design in UAE
There’s no shortage of places like cafes and restaurants to visit. Each with a unique elemental cafe interior design and themes has people going crazy not for food but to have a luxurious experience. A restaurant’s design is a reflection of its branding and vision….
Can Investing In Rent To Own Perth Homes Increase
Buyers have diversified choices of buying from various housing schemes, but the trick to achieving the best is to select the one that gives the most excellent benefits. The one scheme that provides the best to the buyers is Rent To Own Perth Homes. Vital…
What are the benefits of buying and renting?
Both buying and renting property have their own advantages, but reaping the advantages of each option in-part depends on your immediate and long-term goals for the property. Businesses often struggle to decide which option, between buying or renting, is the better choice to make and…
Mistakes Avoid During the School Nursery Admissions
Are you struggling to find one nursery admission? Do you need help with nursery admission? Is it your first time looking for a nursery school for your child? If your answer to any of these questions is an affirmative ‘yes’, you have landed in the…
How To Earn Money Through Writing Essays
Are you good at writing essays? As a learner, is writing essays your passion? Do you score high in your assignments? If you can answer yes to all these questions count yourself lucky. You can get employed by any of the essay writing websites and…
Tips for Teaching Online and In-Person Simultaneously
Everyone knows today’s situation of this pandemic. Due to this everyone has to maintain distance, wear masks, use hand sanitizer. Due to this reason institutes are thinking about how to teach the students. So they have planned to teach some students on campus and other…
How to write a Resume for a Teacher Assistant Position
Teaching is one of the toughest jobs on the planet, as teachers are responsible for the education of students who will eventually become world contributors. Equally important is the job of a teacher assistant who tirelessly works alongside a lead teacher to impart education (Teacher…
How to Pick the Wedding Band That Matches Personality
The wedding band and the engagement ring are two combinations made for each other. Your future spouse has already said yes and once she did you must have started to plan to find the perfect wedding band. Although women are more than keen and happy…
Popular Vasansi Designer Kurti Online Among Teenagers
Designer Kurti Online are in trend these days and the Teenagers have a huge demand for Kurti For Women Online. Vasansi has brought you a very special Kurti On Sale for Teenagers to adorn on Ethnic Occasions and look glamorous. Statement set by Vasansi Jaipur…
Tips to wear women’s camisole tank tops
Camisole tank top is a tried-and-true staple that deserves a rightful space in your wardrobe. Having a basic colored camisole top hanging in your closet gives you the motivation to style your outfits differently. But admit that tank tops stay in-fashion even when seasons change…
Tips to Choose Jewellery Cleaning Services in Winnipeg
Want to hire jewellery cleaning services? Don’t know how to choose a reliable company? If yes, then you need to read the below-given tips. With the help of these tips, it will become easy for you to find trustworthy jewellery professionals. Take references – Start searching…