Personal or Family Health Insurance is no longer complicated in Dubai

What is cheapest Health Insurance in abu dhabi?

Health or simply called, medical insurance, covers the cost of an individual's medical and hospital expenses. The individual pays a fixed amount or premium, every year for the medical cover. However remember, managing health insurance for your dependants can be sophisticated, from handling a newborn baby to providing insurance coverage for your parents as well as a

maid - the terms and conditions could vary across different insurers.

When you need to plan insurance for yourself, these are the key points to consider when providing insurance coverage for your family and dependents.

A brief snapshot of the medical health insurance trends in Dubai

In Dubai, since last year, it has been compulsory for employers to provide health insurance for their employees. According to Dubai law, all dependants, including domestic employees, must come under the ambit of basic health plan- but the onus is on the visa sponsor.

Coverage under a basic health insurance plan

As per law, the maximum annual cheapest health insurance in sharjah coverage per individual is Dh150,000 in Dubai - which may not be adequate in case of an emergency or ongoing treatment. Employers are not obliged to offer insurance cover beyond this.

Your employer may only provide you for certain benefits but not for additional medical health insurance plans, say for dental, eye care or vaccinations. It may be cheaper to cover yourself for additional benefits, as you normally cannot add to a policy in between policy anniversaries.

Family Health Insurance Plan

Predominantly Dubai cheapest health insurance in dubai firms provide Dubai Health Authority compliant health insurance policies that can cover spouses. A few companies insist that the whole family be insured under the same plan under the principle of "anti-selection", as there is a more risk involved in a claim-related loss in covering only a few members of a family. While, in case of whole family the risk is being spread across a larger group, as well higher premium is paid for a whole family.

Health insurance plans for parents

According to Souqalmal.com - an insurance price comparison website, the premium amount for senior health insurance policy aged 50 +can be over Dh30, 000, which could be much more than providing cover for a spouse or kids. Sixty-five is a normal cut-off age, and some insurance firms may refuse to protect pre-existing conditions. In some cases, they may increase the premium, or even stop insuring them at a later stage. One can also expect a waiting time of up to 2 years before pre-existing conditions are covered. This comparison site suggests that it may be affordable to buy a family plan.

Health Insurance Plans and Coverage for pregnancy and New Born

In both Dubai, it is mandatory for all married women to get maternity cover as part of their insurance plan. For holders of Dubai visa, regular delivery must be insured up to Dh7,000 and up to Dh10,000 for a caesarean section.

But if a woman is already pregnant before buying health insurance, the insurer would charge a "considerably higher premium" to cover her - in this case, the premium has the potential to rise from Dh5,000 to Dh20,000.

The cost of having a baby could vary across hospitals but most insurance converges are truly low. If it's going to be an emergency situation, in the end, the insured person does not have an option but to pay the additional premium.

If a pregnant woman is already covered by the policy, the newborn then gets coverage for one month from birth, however unnecessary medical treatments will not get coverage.

How to choose the best Health Insurance Plan?

The DHA website, isahd.ae provides details of all 46 registered companies in the UAE.Bayzat.com, Souqalmal.com and Compareit4me.com all provide comparison tools for health insurance. You can compare multiple insurance plans and buy the best plan which fits your budget through such websites. You must scout for the hospitals you prefer then check which insurers if provide direct billing for those. International plans are always ideal because you can get worldwide coverage and the claims process is very quick. Always make it a point to use the services of best insurance companies in Dubai to get quality service.