- It is permitted for people to have two medical insurance plans at the same time.
- When you do your online research, make sure you look for all the information that is particularly important for you and your family.
- If you’re insured during your pregnancy; your new-born is covered for the first 30 days after birth.
- The DHA website, isahd.ae, lists all 46 registered insurance providers in the UAE.
It is obligatory for employers in the UAE to enroll all employees in the same health insurance plan.
If you work in a company, this doesn’t guarantee that your employer will choose the best health insurance provider, on the contrary, they might go for the cheapest option.
It is permitted for people to have two medical insurance plans at the same time under the rules of Dubai Health Authority (DHA). Depending on your medical needs and budget; you may opt to choose a more comprehensive plan than the one offered by your employer.
Here are general considerations for choosing the best health insurance provider for you and your family.
Does your doctor have an agreement with your insurer?
Check with your doctor(s) and make sure that they are part of your health insurance network, if they don’t, weigh in the cost of paying out of your pocket for particular doctors against changing your medical provider to one from the network.
If your family members are included in your insurance, try to roughly estimate the cost of visiting doctors for you and your family, though hard, there must be a pattern that you can follow to predict future medical cost.
Is Your family included in your health insurance plan?
In some cases, your family is not included in your plan. An employer might offer health insurance to workers only without their families. It’s up to you, in that case, to add them to the same plan or insure them under a different one.
Check if your plan meets your family’s medical needs and that the network is suitable for them, then check online to compare your insurer’s choice with others.
When you do your online research, make sure you look for all the information that is particularly important for your family, such as:
- Insurance for pregnancy
- Natural or cesarean delivery
- Dental care
- Physical therapy
It’s good to know that if you’re insured during your pregnancy; your new-born is covered for the first 30 days after birth. But make sure to start the process of applying for insurance for your new child within the 30 days so that they are covered from day 31.
Where to find info about insurance plans?
The DHA website, isahd.ae, lists all 46 registered insurance providers in the UAE.
A Must check is www.aqeed.com, which provides comparison tools for insurance.
It’s important to find out which insurers provide direct billing, and which provide reimbursement instead. Also, you want to go with an insurer that provides a direct deduction to your bill so that you will not have to pay then any claim back.
PS: As a general rule, international insurers are better if you want to be insured anywhere in the world.
Is the basic plan enough?
We wouldn’t say so! You don’t want to pay extra money for emergencies and expensive treatments when you’re already paying for a health insurance plan. Healthcare is a priority, don’t save money when it comes to it. Many people end up taking loans to choose a basic plan that covers almost nothing.