One point of concern for expectant mothers in the UAE is maternity insurance cover. This contains OB-GYN consultations, essential ultrasound scans, doctor appointments and medical testing along with hospital stay. Without an effective Maternity Insurance Cover, this is a heavy expense to take on.
UAE Maternity Insurance Cover
The Dubai Health Insurance Law No. 11 of 2013 makes it compulsory for employers to extend health insurance with combined maternity benefits to their staff.
It is important to assess this option in advance.
What is the Waiting Period?
Many Insurance companies enforce a delay period of 6 to 12 months before allowing a claim on a current maternity insurance cover. They follow this approach to prevent the loss of money by paying instant claims and providing a free maternity insurance cover. With the rising competition in the insurance industry, most companies have selected to skip the waiting period.
Benefits and their Coverage Limit
UAE offers an array of health insurance maternity plans with a different range of coverage for the maternity insurance cover. The standardized policy of maternity insurance cover contains the following:
These contain 3 ultrasound scans, 8 consultations with the OB-GYN and a degree of standard preliminary investigations and are extended with a maximum of 10% co-insurance.
Hospital Stay and Childbirth
As per the Dubai Health Authority ruling, the normal delivery coverage limit is a minimum of AED 7000 to AED 10,000 for an essential medication of C-section, childbirth complications and medically essential termination of pregnancy. The insurer is responsible to pay the maternity insurance cover with a maximum of 10% co-insurance. The insurance company gives prior approval or provides the claim within the 24 hours of emergency treatment.
These include any medical complications that might arise within the 8 weeks after childbirth.
Newborn care is extended up to a minimum of 30 days from the date of birth and included immunization against Hepatitis B, BCG along with neo-natal screening tests