Are you wondering how to choose the best health insurance for your family in Dubai? Come in, let us help you!
If you are living in any of the emirates in the United Arab Emirates (UAE) or planning to move to any of the emirates, I will go out on a limb and say you are quite familiar with the compulsory health insurance over here.
However, the question is, how do you choose the best health insurance for families in Dubai and other parts of the UAE?
This may seem like a pretty straightforward question until you are faced with a boatload of Dubai health insurance policies. What do you do? How do you ensure you pick the best possible option at the best possible rate?
This is where Lifecare International comes in. We understand the magnitude of importance placed on your health insurance. Consequently, our team of experts goes over and beyond to ensure you get the best possible insurance coverage deals for yourself, your employees, and your family.
A single mistake with your insurance could cost you a fortune down the road. Therefore, we strongly recommend you seek expert help before purchasing health insurance for your family in Dubai.
Hurry! Contact us via LiveChat or visit our contact page to start your insurance journey.
Five Important Things to Remember When Picking the Right Health Insurance for Your Family in Dubai, UAE
1. The waiting period cannot be altered
More often than not, we hear stories of people regretting their insurance plans due to the excessively long waiting period. Worse, it is all in the draft you signed. So, you can really do nothing about it.
Well, you can do something. That is to keep an eye out for the waiting clause before appending your signature to any insurance policy.
People are so much in a hurry to get it over with, that they forget they are entering into a contract. We highly recommend you take the time to compare the waiting period of different insurance policies so you can choose the one that best works for you.
2. Do you get lifetime renewability?
Insurance plans that offer renewability option should be your go-to options. This may not seem important at the onset, but you will be happy you did during the later years of your life.
With each insurance plan comes a varying degree of access. You ought to purchase a health insurance for your family in Dubai that is sure to run for a lifetime. This puts no barrier or hindrance later in life when you are old and considered off the age limit for health insurance.
3. Can you add to your family health insurance?
This is a very important question to ask when choosing the best health insurance for families in Dubai, UAE. Naturally, the need to include a new family member may come somewhere down the road. At this juncture, are you left stranded, seeking a new insurance plan? Or you can simply add the new family member to your existing family medical insurance policy?
The latter option should be part of a good family insurance policy.
4. What does the plan cover?
We find it interesting that people jump on insurance deals without meticulously examining the length and breadth of the coverage. Imagine signing a business deal without a clear indication of what the deal entails, the responsibility of all the parties involved, and what’s in it for you. Bad business, right?
That’s exactly what you get when you don’t familiarize yourself with the terms of your insurance policy.
Be sure to read through the coverage. And most importantly, the room rent limit. You have to know from the onset what you are getting in return for the premium you pay. What ailments are covered? Who is covered? For how long are they covered? In case of a medical emergency, do you get a private hospital room or a shared room? And on goes the list….
5. What does the co-payment clause say?
Virtually every family health insurance policy in Dubai comes with a co-payment clause. This is simply the out-of-pocket bill you must cover during a claim. Typically, your insurance policy takes care of a huge percentage of your medical bill. However, you are expected to pay a small, yet significant, part of the bill. And this is where most people shoot themselves in the foot.
If you fail to clarify the percentage of out-of-pocket expenses you cover, you may end up with a bad medical insurance deal that leaves you paying for a larger part of the bill.
Make sure you choose the best insurance for families that carries the lowest percentage in the co-payment clause.
Are your parents and maid covered by health insurance for families in Dubai?
With Dubai insurance laws, you are expected to be responsible for your dependants. This is seen across all levels of organisation, including businesses and families. For business owners, they are responsible for the health insurance of their employees. Sometimes, this is even extended to some members of their employees’ families.
In the same vein, the head of each family is expected to cover for every dependant in the family. This includes your spouse, children, parents, and maid.
While choosing a health insurance policy for your family in Dubai, it is advisable to understand if your parents and maids can be added to the plan. In some cases, the policy includes these members, but in other cases it doesn’t.
You may have to contact the insurance company to see if it is possible to include your parents and maid. Most times you may be required to get a different insurance policy for your parents and maid.
Kindly contact Lifecare International to discuss your unique medical needs. Our experts are happy to guide you through the process to ensure you choose the best health insurance for your family in Dubai, UAE.