Tips on purchasing health insurance in Dubai
Choosing the right health insurance can be quite an
overwhelming task. The neck to neck competition between the health insurance
companies can cost you up to ten thousand dirhams. To not fall into the
profitability trap of the health insurance companies, the guide below will help
you choose the right policy.
Rules
You
can be fined for not having a health insurance in Dubai. The fine includes
paying 500 dirhams per month to getting your visa renewals blocked. To protect
yourself from paying out of the pocket for health care facilities when you need
them the most, do get an insurance.
The
basics
You
can acquire the entry-level plan in Dubai. It has the Saada program for health
insurance. The rate of the program might differ depending on the care program they
cover. The entry-level program for expats covers maximum 150000 dirhams in
Dubai. The entry-level program, as apparent from the name, covers limited
facilities.
If you are an employee in Dubai, you can be relieved knowing that you employer
has to pay for your insurance. In case of a sponsor, the sponsor pays for the
insurance of his/her employee and family members.
Research
There
is no harm in comparing health insurance policies so that you get one that
works best for you. The Dubai Health Insurance System for Advancing Healthcare
provides you with all the details and comparisons so that you choose a policy
you know works well for you. There will be 50 or more companies ready to
provide you the perfect plan. You can also hire an insurance broker to help you
better.
Choosing
the right plan
When
choosing a plan, make sure it covers the hospital you plan to go in. Finding
out later that your preferred clinic doesn’t fall in the insurance plan can be
stressing. Do your research before you settle for the plan.
Get
eye and dental coverage
The
eye and dental coverage is essential. Sometimes the policy misses out these
two. Check for them and pick the health policy that includes these two.
Health insurance for the elderly
Prices vary for the
elderly, with higher costs being linked to the risks involved.
Whichever health insurance policy you choose, do not compromise the quality and
be safe from scams. The pricing should be sustainable and shouldn’t shoot
suddenly.
