Best Medical Insurance cover with Lowest Premiums

Best Medical Insurance cover with Lowest Premiums

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Health Insurance in UAE
Health insurance is a type of insurance that provides financial coverage for surgical and medical expenses when the insured is hospitalized. The UAE has some of the finest healthcare infrastructures globally and is a major draw for expats looking to move there. Health insurance plays a massive role in providing a high level of healthcare in the UAE and is necessary for expats living in Abu Dhabi and Dubai. Apt health insurance in UAE covers the policyholder with several benefits like day-care hospitalization and pre and post-hospitalization. Some leading health insurers provide coverage for cashless hospitalization facilities at network hospitals during the policy’s tenure.
Features & Benefits of Health Insurance in UAE
The different features and benefits of medical insurance in Dubai and across the UAE are listed as follows:
  • Cashless Treatment
  • Coverage for Pre & Post Hospitalization
  • Medical Check-Up
  • Transportation Expenses
  • Room Rent
Types of Health Insurance in UAE
  • Individual Health Insurance Plans
  • Family Health Insurance Plans
  • Senior Citizen Health Insurance Plans
  • Group/Employee Health Insurance Plans
  • Critical Illness Health Insurance Plans
Important Medical Insurance Term Meanings:

Injury, Poisoning & Sickness

Outpatient means an individual (patient) who receives health care services (such as surgery) on an outpatient basis where they do not stay overnight in a hospital or inpatient facility, i.e., the procedure does not require hospital admission. 

Inpatient means an individual (patient) whose condition requires admission to a hospital and the consulting Doctor wants to visit the patient frequently to evaluate the improvement in the treatment.

An elective procedure is one that is chosen (elected) by the patient that is advantageous to the patient but is not urgent, i.e that is scheduled in advance because it does not involve a medical emergency.

Emergency treatment which is unscheduled and patient need immediate medical attention due to potentially serious acute illnesses or injuries where his life is under threat without the immediate medical attention.

The area within where treatment may be received and are stated in the Policy and Table of Benefits.

The Benefit limit the insured member can utilise maximum in the policy period.

Pre-existing condition is a medical condition that started before a person’s health insurance went into effect.

A chronic condition is a human health condition or disease that is persistent or otherwise long-lasting in its effects or disease that requires prolonged supervision or palliative treatment. Examples :- Diabetes, Hypertension, Asthma, chronic kidney disease, Cardiac failure, etc

A formal request to an insurance company asking for a payment based on the terms of the insurance policy. Insurance claims are reviewed by the company for their validity and then paid out to the insured or requesting party (on behalf of the insured) once approved.

  1. Direct Billing basis: – It means the insured member can get the treatment/service under the Medical insurance by submitting the Medical insurance card to the Provider such as Hospitals/Clinic/Pharmacy, etc.
  1. Reimbursement basis: – It means the insured member paid the medical expense from his side and recovering the same from the insurer as per the Policy terms & conditions. 

A third-party administrator (TPA) is an organization that processes insurance claims &/ other insurance administration works such as issuance of Medical cards & policies etc, they also arranging the contract or agreement with the Hospitals/Clinics etc. The TPAs are working with insurance companies on contract/agreement basis. Examples of TPA: – Nextcare, Mednet, NAS, Globalnet, etc. 

The list of Hospitals/Clinics/Pharmacies etc where the Insurer or TPA has made the contract to serve their clients/insured members on Direct Billing basis. 


There are various ‘Network panels’ which is made by the Insurer or TPA as the grade of the providers which included in it. Example: – Nextcare TPA has various Networks such as ‘GN’ (General Network), ‘RN’ (Restricted Network), ‘RN2’ (Restricted Network 2) etc. For our easy understanding to know the difference between GN & RN, we can say the premier hospitals such as Al Zahra Hospital, Mediclinic City Hospital, Mediclinc Welcare hospital etc are included in GN in addition to other middle class Hospitals where RN has NMC speciality Hospitals, Zulekha Hospitals etc only included in that. 

Network rate means the rate what is agreed between the Provider and Insurer. 

Eg :- If you are visiting a Hospital/Clinic without having an insurance then Hospital will charge their standard rate, say AED 100 for consultation, where as the rate for the same consultation agreed by Hospital & Insurance company will be AED 60 (indicative) based on the agreement between them considering the huge volume of business. So if you are taking a treatment from a provider which is not listed in the insurer’s ‘Network panel of providers’ and you have spent AED 100, where you are submitting such a claim for reimbursement you will not be getting AED 100 reimbursed but you will be getting the rate what a similar provider charge for the same treatment if you would have visited in a provider listed in the insurer’s ‘Network panel of providers’.

Excess / Deductible means the portion of amount the insured member has to contribute from his side towards the claim.

Co-insurance is similar to Excess/Deductible, co-insurance is the % of cost the insured member has to contribute, this is usually applicable in addition to the Excess/Deductible.

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Insurance is provided by Al Sayegh Insurance Brokers LLC – regulated by UAE Insurance Authority Registration Number – Reg No: 165
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