How to know which Health Insurance Plan is best suites your need based on Hospital /Clinic Coverage, Pre Existing Coverage , Pricing in Dubai ...
If you are new or not sure which health insurance is best suited for you or your family member. Here is the 5 key points to check with the insurance provider or insurance Broker.
5 Key points to consider before selecting any health insurance :
Understand your health need: What options you need to cover like
Health Coverage, Dental Coverage, Optical Coverage, Disability Coverage, Pre existing health coverage, Mental wellness. Any family History, or any ongoing treatment , medication to be clearly addressed related to the coverage , Physiotherapy, Post Surgery Nursing Care, Annual Limit of the insurance , Allied Health Option, Chronic COndition Coverage, In patient (Hospitalization & Surgery) , Alternative Medicine.
Cost Impacting your insurance premium
- Child (Male / female).
- Coverage of Pre existing diseases.
- Coverage of world wide , GCC, Asia etc,.....
- Understand the Cooling Period or Waiting Period option
- Married female status will have slight impact on pricing comparatively than normal premium.
- Different Co Pay Option related to Out Patient Appointment, Dental , Lab, Pharmacy, Radiology, Diagnostic, Inpatient ( NIL copay, Dental Coverage, 10% co pay , 20% copay, 30% Copay).
- Hospital coverage of Tier 1 , Tier 2 & Tier 3.
- Pharmacy Limit.
- Annual Premium Limit.
- Direct Access to Specialist / Hospital.
- Maternity & Antenatal Checkup
Check Provider, Network & Plans:
Network Provider here means the insurance which covers the plan of selection or Direct Billing. Ensure your preferred doctors, hospitals, and specialists are included in the insurance network to avoid out-of-network charges.
- Options Like Direct Access to Specialist or Hospital.
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Review insurance plans based on coverage benefits, premiums, deductibles, co-pays, and out-of-pocket maximums.
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Look at specifics like coverage for specialists, hospital stays, medications, and preventive care.
- How Much will be the reimbursement done against the invoice if medical service taken Out of Network Charges.
- Check for the Allied Health
Claim Handling
Look for the reviews related to the claim handling of the network provider within the network and outside the network.
- Options Like Direct Access to Specialist or Hospital.
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Review insurance plans based on coverage benefits, premiums, deductibles, co-pays, and out-of-pocket maximums.
Where to Buy a Health insurance plan.
- One can buy from Insurance Broker to get a better deal.
- Direct Insurance service provider will provide the option as well .
- Understand once you purchase the insurance when it will be activated you need to check with the insurance provider
