Before buying your health insurance policy, check out the top health insurance faqs we receive on a regular basis.
What does health insurance cover?
Health insurance generally covers the cost of doctors or emergency room visits, medicines, laboratory & other diagnostic tests for medical conditions other than specific exclusions. Depending on the type of insurance coverage you have, you may need to pay a portion of the expenses in addition to the premium you pay for general coverage.
Do I have to provide details of my previous conditions?
Yes, it is mandatory to provide details of all previous illnesses or medical conditions in the information form. Failing to do this may invalidate the plan.
Which hospitals or clinics can I visit?
You can get the treatment at any hospital in the geographical area of your policy. Please refer to your policy handbook for the details on the policy cover and medical providers.
What does deductible mean in the policy?
A deductible is the amount of the total medical bill that you have to pay while the insurance provider will cover the rest. Keep in mind that it is different from one policy to another.
Is pregnancy covered in Health Insurance?
Not all insurance policies cover maternity and pregnancy so you have to check with your provider first.
Am I covered if I travel away from the UAE?
Yes, you will be covered for accidents or illnesses outside the UAE within the geographical area of your policy.
Is health insurance mandatory for UAE residents?
Yes, according to the Dubai Health Insurance Law No. 11 in 2013, it is mandatory for all residents to be covered by a level of health insurance that meets or exceeds minimum benefits stipulated by Dubai Health Authority.
Can I choose where I receive treatment?
You can get treated at any of the hospitals or clinics which are mentioned in your network list provided by your insurance company.
What are the required documents?
In order to get health insurance salaried individuals are required to submit age proof, application form, address proof, identity proof, valid visa, medical records, medical test reports, salary certificate, photograph. For self-employed individuals age proof, application form, address proof, identity proof, valid visa, medical records, medical test reports, photograph.
Who is responsible for providing the insurance?
Employers are responsible to ensure their staff. For those who are not employed, their sponsors need to insure them.
Can I visit a non-network provider?
Yes, you can. You have to pay the charges in full and file a reimbursement claim for eligible expenses. Check your contract if it allows for reimbursement.