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UAE Health Insurance Plans

UAE Health Insurance Menu

 

Getting Around

The three main forms of transportation in Qatar are buses, private vehicles, and taxis.

Buses began operating in Qatar in 2005. Ticket prices range depending on how far you are going.

Most people who reside in Qatar for the long term will choose to purchase a car. Fuel is relatively cheap in Qatar.

Taxis are a bit more expensive, but more comfortable and quicker than a bus.

Walking and bicycling are not recommended, as it can be very hot during some parts of the year. The heat can be very intense.

Language

Arabic is the official language of Qatar. You will find that most people speak the Gulf dialect. English is the most common second language. Most locals and immigrant workers are able to speak basic English.

With the large number of expats who work in Qatar, there is also a mix of other foreign languages spoken in Qatar.

Activities

Qatar is located by the sea, so visitors will find a wide range of watersports. Kite-surfing is very popular for expats, while locals tend to prefer jet-skiing more. In addition to water sports, dune-bashing is also an exciting land alternative.

Accommodation

Hotel prices are becoming increasingly high in Qatar. For a regular double room in a mid-range hotel, you can expect to pay around $100 USD.

Safety

Qatar is a very safe place. Violent crimes are pretty rare.

Western women might receive negative attention, such as staring or whistling, but it is generally harmless. Avoid wearing revealing or tight-fitting clothes if you do not want negative attention.

For housemaids from other countries, there have been reports of physical abuse. In 2007, around 200 Indian women sought help from the Indian embassy for physical abuse from their employers.

Healthcare sytem in UAE

Qatar is a desert, so be careful to not get dehydrated. Drink plenty of water, and use sunscreen.

Chronic Conditions in UAE

Chronic conditions are health afflictions that are only manageable with treatment and medication. The patient usually does not ever fully recover from the condition. Chronic conditions can range from something minor like asthma to something very serious like diabetes, and heart disease.

The coverage that insurance companies offer for chronic conditions can differ according to the plan and UAE insurance company. Chronic conditions usually require medical treatment for the rest of your life, which can be extremely costly. Just because you have some medical insurance does not mean that you are automatically covered for chronic conditions. It is important to check your insurance policy to see what level of coverage you have.

There are generally three types of limitations related to chronic conditions that insurance companies will place on a medical insurance plan.

Acute coverage

Acute coverage means that the insurance company will only cover treatment when the condition reoccurs for a short period of time. If the symptoms or treatment required are ongoing, the UAE insurance company may stop coverage.

Lifetime limit on coverage

Lifetime limit means that the insurance company will pay for all treatment related to a chronic condition, as long as you have not exceeded a predetermined lifetime limit. If treatment for the condition exceeds this limit, further treatment will no longer be covered.

Annual limit on coverage

Treatment for chronic conditions will be covered, but only up to a certain predetermined amount each year.

Many young people opt for a lower annual premium and buy an insurance that does not have chronic conditions coverage or very limited coverage. However, if you do develop a chronic condition, it will be very difficult to obtain coverage later on, as it will be seen as a pre-existing condition. Full cover plans are going to be more expensive, but provide the best coverage, especially for older people, who are more likely to develop a chronic condition.

Our team of dedicated international medical insurance advisors is ready to answer any questions you may have and to help you decide what kind of chronic conditions coverage will be best for you. Please contact us today for more information.

UAE Health Insurance Claims Handling Process

The international medical insurance claims process can be confusing. There are three major ways that insurance companies will handle and process medical insurance claims.

The way an insurance company handles your claims highly influences your satisfaction with the policy. There is typically three ways that insurance companies process claims.

  1. The insurance company will pay the hospital directly for your medical expenses. When you are scheduled to go in for inpatient treatment, your insurance company in uae will ask you to complete a "treatment guarantee form." This form basically checks with the insurer that your treatment is be covered by the insurance company. After receiving this form, the insurance company will directly contact and arrange payment with the hospital. For emergency services, you should contact the insurance company as soon as possible after treatment is received to arrange payment.
  2. Your insurance company may establish a direct out-patient network. This means that as long as you are going to a health facility in your network, you can go to a clinic and receive out-patient treatment, and the insurance company will settle this bill directly with the health provider.
  3. For outpatient treatment, some companies will require you to pay for the medical bills first and then submit a reimbursement claim, along with an original receipt. The insurance company will then send you a check or transfer money into your bank account or credit card account directly.

No matter how great a policy is, a slow claims department can make reimbursements and payment for treatment stressful and problematic. Most of the time, you can avoid these problems by making sure that you familiarize yourself with the claims process, your level of coverage, follow all the rules, and provide the accurate documents. The most frequent reasons for a slow claims process are insufficient, inaccurate documentation or a claim that is not covered or related to a pre-existing condition.

Our team of highly knowledgeable international medical insurance consultants is impartial and can help you choose a company and plan that is best suited for your needs. Contact us today to learn more about the claims process or to get a free information pack.

 

Health Insurance Customer Support in UAE

UAE medical Insurance highly prioritizes customer service. We can help you with choosing a policy, making claims, renewals, and any complaints or problems with the insurance companies.

In addition to our team of international medical consultants who are specialized in different regions, we also have a dedicated support and administration team to help you throughout the lifetime of your insurance policy.

Not only will we help you decide on the plan and insurance company that best suits your needs, we can also help you with claims, renewal, and general administration of your policy. In the event that you are not happy with your insurance policy, we can also assist you in changing to a different company or plan, and make sure that the transition will be performed seamlessly, so you always have medical insurance coverage.

As always, our service is completely free to you, and our advice is always impartial. Please contact us today if you want to learn more about an international medical insurance policy.

 

Medical Underwriting

Once you have decided on an insurer, you will submit an application with a health declaration that would be send to medical underwriting. Medical underwriting is a process in witch the insurance will evaluation your health status. Generally there is 3 outcomes: I will either be accepted, declined or accepted with exclusions. For more information about medical under writing please feel free to contact us.

 

Relocation Restriction

Deductibles / Excesses

Deductibles or excesses are the parts of the costs that the insured individual has to pay towards any claim.

An insurance deductible or excess is a certain amount of money that a policyholder agrees to pay when making claims. This amount is usually subtracted from the total reimbursement; thus, the term, deductible.

Usually, the higher a deductible, the cheaper the annual premium is, so many people who only want to be insured for very expensive medical treatments can lower their annual costs with a higher deductible.

There are generally three types of deductibles that insurance companies will offer.

Health insurance Annual Deductibles and Excesses

The amount of money not covered by the insurer every policy year. This means that if your deductible is $500, and the total of your medical bills in one year is $2000, the insurance company will reimburse you $1500.

Per Condition

This is the most common type of deductible that insurance companies use. The deductible is applied to every condition that the policyholder needs treatment for.

For example, if the insured individual has a deductible of $500 per condition, and the person sees the doctor and receives treatment for a broken leg, which costs $800, the policyholder will pay $500 and be reimbursed for $300. However, if the next month, the insured individual goes to the hospital for food poisoning, which costs $300, the individual will have to pay the $300, and will not receive any reimbursements.

Co-insurance/Co-payments

The insured individual will pay a percentage of the total cost of the claim. If the co-payment is 20%, then for every claim, the insurance company will reimburse 80% of the total bill. For example, if an individual's co-insurance is 20%, and the bill is $1000, then the individual will pay $200, while the insurance company pays $800.

Choosing an insurance plan can be tricky, and really depends on your personal needs. If you feel that you rarely get sick, and just want something for serious injuries or illnesses, then a high deductible with a lower annual premium could be the one for you. However, if you like to feel that you do like to go see the doctor regularly, then maybe a per annual deductible is better for you.

UAE Medical Insurance can help you with this decision. To learn more about a global health insurance plan that fits you best or for a free information pack, contact our team of health insurance consultants today.

Dental Treatment with a Health Insurance in the UAE

Dental coverage is often not included in the "Basic" or "Core" plan of most insurance companies. Some employers may include some dental coverage for their employees. However, even when they do, this coverage may be very low or only cover basic services. Dental treatment costs can become very high depending on your oral health and the country or services you require. Many expatriates, especially families, choose to have a more comprehensive dental insurance plan. There are two main types of dental coverage when considering purchasing a dental insurance plan. A regular dental plan may cover the following treatments:

  • Consultation and check ups
  • Teeth cleaning
  • X-rays
  • Simple filling
  • Root canal treatment
  • Emergency treatment
  • Local anesthesia

A regular dental plan may cover the following treatments:

  • Teeth adjustment
  • Gingivitis
  • Root scaling
  • Membrane treatment
  • Crowns
  • Orthodontic treatment
  • Periondontitis treatment
  • Bridgework and repairs

In addition, many insurances companies in uae will also have a waiting period, which is a length of time that a policy holder will have to wait before filing a claim for services. The large majority of insurance companies will accept pre-existing conditions for dental plans, as the majority of people have had fillings, teeth cleaning, or simple procedures done before in their life.

To learn more about dental coverage or an international health insurance policy, please contact one of our expert medical insurance consultants today.

Emergency Evacuation

Emergency evacuation is an important part of a UAE medical insurance plan. Make sure that your emergency medical transportation costs are covered.

Having a serious injury or illness in a remote area is a frightening experience. For many expatriates and travelers, emergency evacuation is a necessary component of any UAE or international medical insurance policy. In the unfortunate event that you are in need of medical treatment in a remote area, emergency evacuation costs can cost as much as $100,000 USD. With emergency evacuation coverage, you can protect yourself and your family from these enormous costs.

The UAE and GCC region in general is a large, sprawled out place. Miles of undeveloped land separate many of the cities. Even in cities, the city centers and various neighborhoods are very far apart. The UAE is also a place where many expatriates and visitors come to do various sports, such as rock climbing, snorkeling, diving, etc… Many of these activities may be located in remote areas. Injuries sustained in these areas will most likely require emergency evacuation. For all these reasons, evacuation coverage is highly recommended in any of the countries in the Arabian Peninsular and GCC region.

Most insurers' will cover emergency evacuation costs on a basic plan. In most of these plans, the patient will be transported to the closest "sufficient" hospital, which means that you do not have a choice of which hospital you'd like to be sent to. If you wish to be transported back to your home country, you would need to pay for "repatriation" coverage. This is not a part of the most insurance plans, and will only be covered when the attending physician deems it necessary for medical reasons.

For any expatriates or tourists, it is highly recommended that you make sure that you purchase an international or UAE medical insurance plan that includes emergency evacuation transportation costs. This is especially important if you are living or traveling to a remote or underdeveloped country.

For more information about emergency evacuation coverage or an UAE medical insurance policy, please contact us today.

Sports Health Insurance in UAE

Health Insurance for extreme sports in UAE

 

UAE Health Insurance Exclusions

Medical insurance exclusions are conditions that are not covered by your insurance. It is very important to make sure you are aware of your plan's exclusions.

Most international insurance policies will have some exclusions of some sort depending on the plan, company, and the health of the applicant. Make sure that you are aware of the exclusions on your medical insurance policy, as it can be very costly if you need treatment for something that is excluded from your plan.

The most common type is exclusion on a pre-existing condition. Pre-existing conditions are any illnesses or injuries that occurred before the start of the policy. For example, if you have a history of heart problems, then your insurer may choose to exclude any treatment related to your existing condition.

In addition, there are also many other conditions that the insurance policy may exclude. Below is a list of some of the possibly exclusions that may appear on your global health insurance plan. This list is not definitive. The best way to know what exclusions your plan has is to check with your insurer.

  • Cosmetic related surgery (unless previously approved by the insurer)
  • Obesity surgery e.g. gastric bypass surgery
  • AIDS or HIV related diseases unless it is proven that the condition was contracted from a contaminated blood transfusion after the beginning of the policy (some higher end plans will not exclude this)
  • Conditions caused by the abuse of alcohol, drugs or medicines
  • Self-inflicted injuries
  • Conditions caused by the use of contraception, including sterilization.
  • Abortions unless medically necessary
  • Any fertility related treatment
  • Sexual dysfunction.
  • Any kind of experimental care that is not part of a medical or surgical treatment
  • Alternative treatments such as homeopath, Chinese medicine, chiropractic treatment (unless approved by the insurer)
  • Diseases or injuries sustained during military service
  • Treatment for sickness or injuries directly or indirectly caused while actively engaging in: war, invasion, acts of a foreign enemy, hostilities (whether war has been declared or not), civil war, terrorist acts, rebellion, revolution, insurrection, civil commotion, military or usurped power, martial law, riots or the acts of any lawfully constituted authority, or army, naval or air services operations whether war has been declared or not.
  • Conditions related to nuclear radiation or fallout
  • Treatment performed by the insured, his/her spouse, parents or children or an enterprise owned by one of the aforementioned persons.
  • Epidemics which have been placed under the direction of public authorities.
  • Psychological treatment

To understand more about medical insurance exclusions or to get a free information pack about UAE medical insurance plans, please contact one of our health insurance specialists today.

In-patient Treatment in UAE

In-patient coverage is a crucial part of any medical insurance policy. UAE Health Insurance can help you find a policy that suits your needs.

In-patient treatment refers to any care received where a stay in a healthcare facility is medically required.

In-patient treatment is an essential part of any UAE Medical Insurance policy, as the expenses of hospitalization and surgery can be quite substantial. We understand that having a surgery or serious injury can be a frightening time. We want to make sure that the last thing you have to worry about is cost. With in-patient coverage, you can feel at ease and choose any hospital or surgeon that you want.

All UAE, GCC, Arabian, and Dubai health insurance policies recommended by us will cover in-patient treatment. This is considered to be a "Basic Plan", or "Core Plan." The level of coverage varies from plan to plan, depending on the premium costs, but we can help match you with the one most suitable for you.

Other benefits can also be added to this "Basic Plan" such as maternity, dental, and many more, but all the insurance companies that we work with will provide in-patient benefits. Below is a list of some of the benefits that are covered by in-patient treatment. This list is by no means definitive, as coverage may vary with each plan.

Benefits that are covered by in-patient treatment:

  • Hospital stay
  • Organ transplant
  • Intensive Care Unit (ICU)
  • Ambulance costs
  • In-patient diagnostic tests, such as MRIs, blood and urine tests, etc…
  • Surgery
  • Surgical tools and prosthetics
  • Surgery, Anesthesia, and Operating room costs
  • Prescription medicine and materials
  • Physical Therapy

To learn more about these benefits or to receive information about an international medical insurance policy, please contact us today.

UAE Local Health Insurance and International Health Insurance

When visiting or moving to a new country, many visitors and expatriates have to make a decision on what type of health insurance to purchase. There are generally two options: namely, local or international health insurance.

UAE Medical Insurance works with both local Arabian medical insurance providers, and international health insurance companies, and can help to find the coverage which best meets your unique requirements.

While there are benefits to both options, expatriates within the UAE, GCC, and across the Arabian Peninsula tend to favor the international health insurance choice.

Premium Differences

One of the main differences between local and international health insurance plans is with regards to the way the policy premium is calculated.

Typically, local medical insurance premiums will often be calculated based on the policyholder's claims history under the plan. This means, at least initially, that a local health insurance plan will often appear to be much less expensive than the international variant.

However, in the event that the policyholder submits a claim under their local health insurance plan, this claim will be factored into the policy premium upon renewal. As such, any claims made under a local health insurance plan will often significantly raise the plan's premium; which can become exceedingly expensive over the long term, as more and more claims are made.

International medical insurance, on the other hand, will calculate premiums on a community rated basis. The policyholder will always pay the same premium as everyone else within their "community" – individuals who are of the same age, and whose plans cover the same geographical area, after the insurer has accounted for annual medical inflation. With an international or global health insurance plan, the claims made by a policyholder will never affect their premium.

Area of Cover

In many cases, local health insurance plans are unable to provide protection on an international basis. While it may be possible to find a local medical insurance option which does cover the policyholder globally, this is often extremely rare. Local health insurance is exactly that; the plan is specifically designed to provide coverage in a specific location or country.

For expatriates this can be highly concerning, primarily due to the unique nature of many expats' lifestyles and large amount of regular international travel. A policy which does not offer medical insurance coverage outside of one specific area will often be no help for the individual who repeatedly travels overseas for business or pleasure purposes.

International medical insurance, however, is designed to offer worldwide protection; even going so far as to give the policyholder the choice of where they wish to receive protection from the plan. Typically the choice of coverage is between a policy which provides Worldwide Protection, and one that offers coverage on a Worldwide basis excluding the USA.

The reason for this is due to the fact that the USA has the world's highest average medical costs, and as such, international policies, which provide cover in North America, will often be more expensive than one that does not. This touches on another aspect of the global reach of an international health insurance policy, namely the ability of the policyholder to seek treatment with the doctor or hospital of their choice anywhere within the plan's area of coverage.

Health Treatment Options

As mentioned in the previous section, an international health insurance plan will give you the freedom to decide where you receive treatment. Even if you decide to use a medical facility which is not included in the insurance company's direct settlement network, you are able to use their healthcare services. Simply submit a claim after the fact, and the insurance company will reimburse you for the healthcare costs incurred in the manner of your choice.

On the other side of this, local medical insurance will often limit where a policyholder can receive treatment, and will usually force you to utilize a hospital or medical facility with which they have a direct settlement agreement. While this may be much easier, in terms of administration, for the local insurance company, it does not guarantee the policyholder the best treatment, with the most highly respected doctors or hospitals.

In addition to this, when dealing with direct settlement networks it is often the international health insurance providers who have access to direct billing options with the largest number of hospitals. Because local plans typically focus on one country, they will mainly allow direct billing with a relatively small number of local hospitals. International providers will offer the same direct settlement options within the locale in question, and provide overseas alternatives, often in the expatriate's home nation.

Renewability

One key concern when looking at health insurance options in the modern world is the issue of the ability for the policyholder to renew the policy. Local health insurance and international health insurance will often approach this in two different ways.

Local health insurance plans will often impose a policy cut-off. When the policyholder reaches a certain age, often 65 years old, they are usually no longer allowed to renew the health insurance plan.

This cut-off can cause extreme distress to the policyholder due to one simple fact; as you age, your propensity for falling ill, or suffering from a serious chronic medical condition, rises dramatically. Having the health insurance policy forcibly removed in old age can leave many individuals having to bear the financial burdens of costly medical treatments in what should be their "golden years."

Unlike local health insurance providers, the majority of international medical insurance plans will often guarantee the policyholder's ability to renew the plan; typically for life.

This means that as you age, you are assured of having the protection you need, even if you should contract a disease associated with old age – the international health insurance plan will continue to cover you, no matter what.

Further to this, there are a number of international health insurance companies who make a significant effort to protect the interests of their old age policyholders. In some cases, if you obtained a policy prior to reaching the age of 65, the insurance company will ensure that once you turn 65 years old, your policy premium will remain flat for the rest of your time on the plan. Rather than refusing to allow a policy renewal, the international health insurance providers in this case are ensuring the continued ability of their old age policyholders to possess comprehensive coverage for the rest of their lives.

Portability

Many expatriates are overseas for work purposes, and at the end of their contracts or assignments, most of these individuals will often expect to return to their home nations. As pleasant as it can be living abroad, home is home, and the desire to return to familiar territory will often be high.

In the event that an individual purchases a local health insurance plan while abroad, due to the aforementioned issue of these policies' narrow scope of geographical cover, the expatriate in question will often have to purchase a new health insurance plan when they arrive home.

This can be a major concern, due to the fact that an expatriate may have developed a serious medical condition while overseas. When purchasing a new health insurance policy in their home country this medical condition will now be deemed "pre-existing," and will most likely not be covered under any supplemental medical insurance policy they purchase.

In addition to the issue of pre-existing medical conditions, any waiting periods associated with the new health insurance coverage will now have to be repeated. So for benefits like Maternity or Dental treatment, the policyholder will now have to wait before they are eligible to receive coverage under their new plan.

However, while global health insurance plans are designed to provide medical coverage to expatriates outside their home countries, these policies are typically globally portable. This means that should you relocate to another country, or even repatriate back to your home nation, the expatriate health insurance plan will travel with you ensuring uninterrupted protection.

As such, an individual, family, or group possessing an international medical insurance plan can avoid the concerns associated with pre-existing conditions and the ability to access treatment usually associated with a waiting period, due to the fact that they have not changed their policy. The coverage will remain the same, even when in a new country or location.

Expatriates in the UAE

Resident and Non-Resident overseas nationals within the United Arab Emirates have a number of special considerations for their medical protection, outside of the general health insurance concerns faced by most expatriates.

  • Restrictions
    In the UAE, in order to purchase a UAE Health Insurance plan, you must possess a resident's visa. This means that if you are not a resident visa holder in, for example, Dubai, you may not purchase a Dubai health insurance plan from a local insurance provider.
  • Fees
    While it is possible to obtain coverage outside of the various Emirate states with a local UAE health insurance policy, the premiums associated with this protection are significantly higher than those for plans which do not offer this benefit. In many cases, the additional overseas protection offered by UAE medical insurance policies will be higher than the international average. However, if you do not purchase this additional coverage, you will not be covered overseas, and will then have to bear the costs of any medical treatment received outside of the UAE out-of-pocket.
  • Cut Off
    If you are a resident visa holder for the UAE, and if you leave Emirates for more than 6 months, your visa will automatically become invalid. In the event that you have purchased a local UAE health insurance policy, the cancellation of your visa will mean that you are immediately dropped from the plan, and will subsequently be unable to receive continuing health insurance coverage within the United Arab Emirates.
  • Cancellation
    If, for any reason, the policyholder is dropped from their local UAE health insurance plan prior to the end of the policy year, no refund will be issued to the individual due to the cancellation.

For these reasons, many expatriates within the UAE may find better protection in an international health insurance plan than they would with the majority of local health insurance options.

UAE Medical Insurance is a specialist in providing comprehensive health insurance coverage options to individuals, families and groups throughout the United Arab Emirates, GCC, and across the Arabian Peninsula.

UAE Medical Insurance can help you make the decision on whether you want to purchase a policy from a local or international insurer, and we have extensive relationships and experience with both types of policy provider. We understand that everyone's needs and requirements are different, so it may make more sense for you to choose one over the other. Either way, our advice is impartial and will help you choose the one that is best for you.

For more information about international health insurance or UAE health insurance options, or to receive a free personalized information pack, please contact us today.

Overall Maximum Benefit from UAE Health Insurances

The majority of insurance companies will have a maximum benefit on their medical insurance policies. This is a financial limit that once reached, the insurer will no longer provide additional coverage. This value varies depending on the insurance company and plan.

Although there is a limit, it is important to note that this limit is usually very high, so it is unlikely that it will stop you from getting treatment even at the top hospitals in the world. However, it is important to understand what your plan’s limit is.

There are generally two types of limits.

Annual Limit

This is an amount that is renewed every year on the date that you first began your policy. Typically, an annual limit will be around $1 million USD. If your claims within that year exceed this amount, you will no longer be reimbursed for further costs.

Lifetime Limit

This is an amount that is never renewed and is the maximum amount that an insurance company will pay an individual in his lifetime. Lifetime limits generally are around $5 million USD.

There may also be sub-limits depending on your plan. This refers to limits for special types of individuals, who may need maternity care, have chronic conditions, need organ transplants, etc…

If you want to know more about maximum benefits or receive assistance in choosing your health insurance plan, we specialize in international medical insurance, especially in the GCC, UAE, and Arabian Peninsular region. Contact us today for a free information pack.

Health Insurances Out-patient Treatment

Outpatient treatment is defined as medical services or medication that are provided when a patient is not admitted into a healthcare facility for 24 hours or more.

Outpatient treatment is becoming more popular for many physicians because it is considered more efficient and less costly because it does not require hospital admission, and lessens the amount of medication that may be prescribed. Outpatient surgery is also a better choice for patients in good health who are looking for minor surgical procedures.

Out-patient coverage is not a part of a “Basic Plan,” but the large majority of expatriates or travelers choose to add this benefit. Without out-patient coverage, it can be quite costly for a regular doctor’s visit, especially in the UAE, GCC, or Arabian Peninsula region.

The quality of care is very high in the GCC region, but so are the costs. For example, in Dubai, it can cost you around $140 USD just to have a consultation with a general practitioner, which does not include additional costs for medication, diagnostic tests, or supplies. There are some cheaper options, but the quality of care will be lower as well.

Below is a list of some of the benefits that are covered by out-patient treatment. The list is by no means definitive and may vary according to your plan or insurer.

Benefits that are covered by out-patient treatment:

  • General practitioners and specialists consultations
  • Prescribed drugs or supplies
  • Diagnostic tests such as blood or urine tests, MRIs, CAT scans, etc…
  • Physical therapy
  • Vaccinations
  • Health checks

The annual premium costs to include out-patient treatment is usually about the same as in-patient treatment, which means that including this benefit will double the cost of your annual premium. Some expats, who are only concerned about serious illnesses or injuries, prefer to lower their annual costs and not be insured for outpatient treatments. The large majority, especially families, will buy insurance that will cover both in-patient and out-patient treatment.

Depending on your particular plan, most out-patient coverage will have an Overall Maximum Benefit, which means that there will be a limit to the reimbursements or direct billing that you will receive for all out-patient treatments and consultations. Also, depending on the state of your health, there may also be general exclusions. Many insurers will not insure patients for a pre-existing condition.

As an experienced medical insurance specialist, UAE Health Insurance understands that some of these policy conditions can be complicated. We have included a list of medical insurance terminology to better assist you with your search for an international health insurance policy.

In addition, if you need any more help or would like to speak with a medical insurance consultant who specializes in the GCC region, you can contact us by email, telephone, or by sending us a request through this website.

UAE Health Insurances Payment Options

The international medical insurance companies that we work with are very flexible on payment options. Applicants have a variety of choices including frequency of payment, currency, and type of payment. Most insurance companies will accept checks, cash, bank transfers, or credit cards.

In addition, most insurance companies will also accept payment in major currencies, including USD, GBR, EUR, AED, and many others, depending on the plan and your geographical location.

Policyholders can also choose how often they want to pay. They can choose to pay annually, semi-annually, quarterly, or monthly. However, please note that there is an additional administrative fee for policyholders who wish to pay monthly, quarterly, or semi-annually and with a credit card.

The deadline for payment is usually within a few weeks after the start of the plan. Some companies will not start the policy until payment has been received. Each insurance company has their own policies on payment, so it is important to check with your insurer.

Our dedicated health insurance consultants can also provide you with additional information on payment options and individual company regulations. Please contact us today for assistance in choosing an international medical insurance.

Pre-existing health Conditions

Pre-existing conditions are medical afflictions that the patient had before enrolling or applying to a new health insurance plan.

Insurance companies will typically refuse to cover a pre-existing condition. Insurance companies are watching for their best interest, which makes it not financially beneficial for them to insure someone with pre-existing conditions. Chronic conditions such as cancer and heart disease can afflict a patient for life, which makes treatment and medication very expensive.

A pre-existing condition can be defined as a variety of medical conditions, from serious conditions such as high blood pressure and cancer to relatively insignificant conditions such as hay fever or a sports injury.

There are four ways an insurer will typically treat an applicant with a pre-existing condition.

  1. The insurance company will include the pre-existing condition, but charge a higher annual premium. This depends on the severity of your pre-existing condition. If the condition is very minor, it is possible that there is even no rise in your annual premium.
  2. The insurance company will offer the applicant medical insurance coverage, but exclude the pre-existing conditions. This means the insurance company will not cover the costs of all treatment and services stemming from this medical condition.
  3. The insurance company will put a moratorium on the pre-existing conditions. This means that after the waiting period, the insurer will agree to review the condition again. However, in most cases, it is unlikely that the condition will be accepted because the waiting period is reset every time the patient goes for a consultation, takes medication, or have any symptoms.
  4. The insurance company will reject the applicant.

The best way to make sure that you have coverage for any medical conditions that you develop is to stay with the same company for the long-term. Insurance companies cannot deny you a renewal on your policy even if you develop a chronic or serious medical condition, as long as you have already been accepted into the plan.

Another possible way to get coverage on a pre-existing condition is to apply for a group policy. If your group is large enough, the insurance company may cover the pre-existing conditions of all members of the group.

To get more information about pre-existing policies and learn how to find the GCC or UAE medical insurance most suitable for you, contact us today.

Renewability

All the international medical insurers that we work with guarantee renewals for life, and can usually be joined up until the age of 75. Your policy is designed to last 12 months. Every year, approximately a month before your policy anniversary, you will be contacted about the renewal of your policy. Our dedicated support team works year-round to help you monitor, administer, and renew your policy efficiently, so that you don’t have to worry about forgetting and are never left without comprehensive cover.

The benefit of having an international health insurance plan is that your annual premium depends on your age and medical inflation. This means that no matter how many claims you make in one year, your annual premium is unlikely to increase. A local plan, however, may increase your annual premium, depending on a number of factors. Another benefit is that a global health insurance plan will not charge additional costs for renewing in a different country. A local insurance plan may only cover the region that you are in or charge extra for out-of-region coverage.

UAE Medical Insurance can help provide you with medical insurance all-year-round. For more information about renewals, and a plan that fits you best, please contact us today by simply sending us an email, giving us a call, or just leaving us an inquiry.

Vaccinations

If you have to travel for work, or simply want to go on vacation abroad, it is important to get vaccinated before arriving at your destination. Not all international insurance companies will cover vaccinations, and even so, coverage may vary. In most cases, vaccinations are only covered when it is required for a location. To be certain, check with your insurance company before getting a vaccination. If vaccination is provided by your insurance provider, it is most likely that they will also cover vaccinations for newborns.

Always plan ahead as some vaccinations are not effective until a certain period of time or others that may require multiple doses. To find out which vaccination you need, check on the World Health Organization (WHO) website or speak with your physician.

We’ve also provided a guide to different countries and cities in the GCC and Arabian Peninsular region. You can also look there for information about health, destinations, and culture.

For more information about vaccinations and which insurers will provide cover for vaccinations, contact us today.

Waiting Periods

Generally, insurance companies will place a waiting period on new policyholders. This means that for certain benefits, you cannot make a claim related to these benefits until after the waiting period. This regulation is to protect the insurance companies from people making large claims immediately after the beginning of their policy. Typically, there are two benefits that will require a waiting period.

Maternity

With maternity claims, there is generally a 10 to 12 month waiting period. This means that any claims related to maternity treatments filed during this waiting period will not be covered. This requires families who are planning on having a child to plan in advance before starting a family.

Dental

There is usually a 10 month waiting period for dental insurance. Because most insurance companies will cover pre-existing conditions for dental, the insurance companies want to protect themselves from anyone making a large claim due to a pre-existing condition immediately after they purchase a policy.

These are two most common benefits that will require a waiting period, but depending on the plan and insurance company, there may be other benefits that will also require a waiting period. It is important to know whether your medical insurance policy has a waiting period.

To learn more and find more information on choosing an expatriate health insurance policy in the UAE or Gulf region, contact one of our medical insurance advisors today.

Terms and Definitions from Heatlh Insurance Sector

We understand that for someone not familiar with international medical insurance, some of the words or terms may be new to you. We’ve prepared a list of common terms and phrases that you may encounter when purchasing a health insurance policy.

If there are any words or terms that are not on this list that you want to learn more about, please give us a call, email, or leave us an inquiry. A medical insurance advisor will contact you to shortly to assist you.

  • Acute Illnesses: An acute illness that has an abrupt onset and a short-term course. Acute illness symptoms tend to be more severe, but are not necessarily life-threatening. Examples include colds, flu, appendicitis, most infectious diseases, and headaches.
  • Anniversary Date: This is the date that your health insurance policy began and is set for renewal. This is the same every year.
  • Applicant: A person who is applying for insurance. The applicant’s name should be on all the application documents.
  • Application: The forms and documents required by the insurance company in order to be considered for acceptance into a medical insurance plan.
  • Claim: A request made by a policyholder for a reimbursement for a medical treatment that is covered by the health insurance plan.
  • Commencement Date: The date that the medical insurance policy officially begins to provide cover. The commencement date can be found on your copy of the policy.
  • Deductible: The amount of money that a policyholder has agreed to pay towards the cost of any treatment. A policyholder must reach this limit before the insurance company will begin sending reimbursements. There are several types of deductibles that an insurance companies may use. See Deductibles/Excesses.
  • Documents: Any official information related to your policy. This may be any bills, policy schedule, brochures, contracts, and other information that you receive from your insurance company.
  • Due Date: The date that payment for your policy is required.
  • Hospitalization: Any medical treatment or surgical procedure that requires an overnight stay in a medical facility or hospital. See in-patient treatment.
  • In-patient treatment: In-patient treatment is any medical treatment that requires an overnight stay in a hospital or medical facility.
  • Insurance: A form of risk management to prevent against the risk of a loss. It is the transfer of the risk of a loss from an individual to an entity in exchange for a monetary payment.
  • Insured: The policyholder or other individuals who are named on the policy schedule.
  • Outpatient: A patient whose medical treatment or surgery does not require a stay at a hospital or facility for 24 hours or more.
  • Policy Conditions: The terms and conditions related to all parts of your medical insurance policy. Examples include deductibles, exclusions, anniversary dates, etc… All this information can usually be found on your policy schedule.
  • Policyholder: The person who owns the insurance policy. In a family or group plan, there is usually only one policyholder. All others are defined as “insured” or “dependents.” The policyholder’s name can be found on the policy schedule. The policyholder can be changed as long as a request is sent to the insurance company.
  • Policy Schedule: The policy schedule includes all the details and information about your health insurance plan. This includes the benefits, coverage, waiting periods, anniversary date, policyholder, premium, deductibles, and any other special conditions that were agreed on at the start of the policy.
  • Pre-existing Conditions: Any illnesses or injuries that has afflicted an individual prior to the start of the policy. Depending on the severity and nature of the condition, the condition may or may not be covered.
  • Reimbursement rates: The maximum amount of money that will be reimbursed to a policyholder as agreed upon at the start of the policy. This monetary limit can be found on the policy schedule. See overall maximum benefits.
  • Region: The geographical area where coverage will be provided as stated in the policy schedule.
  • Renewal: The process of applying for continuing cover on an international health insurance policy. This occurs every 12 months on the anniversary date. Typically, you will be reminded of this date in advance.
  • Serious Injury: An injury that may require months of hospitalization or rehabilitation. Whether an injury is serious or not will be decided together by the attending physician and the insurance company’s medical consultant.
  • Special Terms: Any restrictions or special conditions that are added to a policy. Special terms will be agreed upon before the start of the policy. If your policy has any special terms, it can be found on your policy schedule.
  • Standard Terms: The normal terms and conditions of an international health insurance policy. These can be found on the policy schedule.
  • Subrogation: A legal technique in which the insurance company tries to regain costs for a claim it paid out to a policyholder when a third party should have been responsible for paying all or a portion of the expenses. The rights of claim are transferred from the policyholder to the insurance company, so the insurer has the legal rights to seek reimbursements from the third party.
  • Surgery: Any medical procedure that is invasive. This does not include endoscopies, which is a procedure to look inside the body for medical reasons.
  • Terminal Phase: The phase of treatment when death is imminent, and the patient opts for symptom relief treatment and therapy instead of active treatment.
  • Waiting Period: A length of time from the start of a policy where the policyholder is not able to make any claims related to a specific benefit. The period of time is agreed upon beforehand and can be found on the policy schedule. Most common benefits that have a waiting period are maternity and dental treatments.

UAE Medical Insurance specializes in international and local health insurance policies, specifically for the Arabian Peninsular region. If you have any additional questions regarding any information about a medical insurance policy, please contact us today.


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