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Are you new to driving in the UAE? In that case, you should know everything about getting car insurance online. This is a basic requirement if you live anywhere in the country and you should get it done right away, if you plan to buy a vehicle anytime soon.

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When it comes to health insurance in UAE, there are many options available to suit diverse requirements. However, you should be extra careful whenever you choose senior citizen health insurance. Here is a brief guide on the types of plans available and the common inclusions/exclusions among other factors.

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How does senior citizen health insurance work in the UAE?

When it comes to health insurance in UAE, there are many options available to suit diverse requirements. However, you should be extra careful whenever you choose senior citizen health insurance. Here is a brief guide on the types of plans available and the common inclusions/exclusions among other factors.

Why having health insurance is important in the UAE

Health insurance in UAE is compulsory for the Emirates of Abu Dhabi and Dubai. At the same time, health insurance is a must for covering the future costs of medical emergencies and treatments which could otherwise eat into your savings. The absence of health coverage in the UAE will lead to fines being imposed on a monthly basis in these two Emirates. This amount ranges between AED 300-500 on average.

Overview of the types of health insurance

You can check out several types of health insurance plans including the following:

Basic Health Plans- These offer coverage against medical expenses arising from illnesses or injuries. They cover treatment costs upon hospitalization.

Comprehensive Insurance- These plans have the most inclusions, covering not only the above-mentioned aspects, but things like inpatient and outpatient medical costs, diagnostics, tests, and consultations. Some plans come with coverage for physiotherapy, homeopathy, ambulance charges, osteopathy, home nursing and others, subject to limits. This means coverage for check-ups, daycare procedures, and expenditure for organ donation in some cases. There is also coverage for critical illnesses.

Shariah Compliant Health Insurance Plans- These are called Takaful Insurance policies and members can pool in money for ensuring support for the medical expenditure of everyone. These come with both health and life insurance related benefits. Claims are paid from the insurance fund built by the members.

Insurance with direct hospital access- These plans come with direct hospital tie-ups in the network, with cashless advantages for policyholders. Many of these plans offer comprehensive coverage as well.

What is Senior Citizen Health Insurance?

These refer to insurance plans that are tailored to meet the needs of those who are senior citizens, i.e. 60 years or higher. These plans mostly have discounts on the premium charges, although they are offered by select health insurance firms in the UAE. Medical check-ups may be necessary before approval of any such plan, while premiums are slightly costlier as compared to policies for younger customers.

Inclusions and exclusions to the plan

Some common inclusions include the following:

Pre and post hospitalization costs

Health check ups

Daycare procedures

Hospital room expenditure

Doctor consultations

Medication

Ambulance costs

Transportation costs

Inoculation and vaccination

Some exclusions may include the following:

Drug or alcohol abuse resulting in illnesses

Non allopathic healing or treatments

Cosmetic surgeries

Hearing/vision aid costs

Treatments for self-inflicted injuries/harm

Treatments for illnesses resulting from war

Add ons to be considered to customize the plan

You can always customize your insurance plan with a few add-ons. These include the following:

Personal accident coverage- This covers death, disabilities and hospitalization/treatment due to accidents.

Dental Treatment Cover- This ensures coverage for dental care, treatments, and so on.

Room Rent Waiver- This add-on helps in taking care of the room rent component of hospitalization. This removes limits on the coverage under this category.

Critical Illness Coverage- This helps in getting a lump sum figure upon the diagnosis of any critical illness, which can be used for treatment and to make up for the loss of income due to treatment.

Hospital Cash Coverage- This offers a cash allowance to take care of hospitalization related costs. This benefit is only applicable where hospitalization exceeds 24 hours.

Geographical Coverage Extension- This offers worldwide coverage for maximum benefits.

Some other add-ons include coverage for emergency ambulance costs, second opinions, optical treatments, and repatriation/funeral costs.

How to buy senior citizen health insurance?

You can readily purchase senior citizen health insurance online with assistance from the right insurance broker. A reputed and experienced broker will help you find the best senior citizen health plans, while guiding you through the entire application procedure, documentation, check-ups, and more. The purchase process will be greatly simplified if you get help from the outset.

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Read here everything about the renewal of car registration such as car registration renewal cost, RTA rule, documents required, expiry, etc.

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Non-GCC Spec Car In UAE: What To Know About Maintenance And Car Insurance Before Buying

Let’s understand what makes for a Non-GCC spec car and what are the various factors that impact the car’s life and performance in UAE.

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GCC spec cars come equipped with specialized AC, filtrations, radiators, corrosive layering, and more to last longer than imported vehicles in UAE

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How To Buy The Best Health Insurance Plan In UAE?

Learn about the tips to buy the best health insurance plan in UAE as they not only provide financial security but also gives you a wide range of coverages for your family and individual.

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Getting away for a holiday can be one of the most important things you do all year. With some planning, it can also be financially beneficial. If you head off on your next getaway without first checking if your destination is safe to visit, you could miss out on some of the best fun and relaxation. It’s not worth putting your entire holiday at risk over something that isn’t necessary. In fact, there are so many benefits to getting travel insurance in Dubai before heading out on a trip. Here’s why you should consult with insurance brokers to get this insurance before heading off on your next vacation.

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Read This Before You Buy Health Insurance In Dubai

You may have heard that having health insurance in Dubai is mandatory inorder to live and work here. That’s true. Everyone who lives and works in the Emirate must have health insurance or become liable to pay a fixed sum as a fine. This obligation has been in force since January 1, 2009. However, there are many different options for getting health insurance in Dubai, so it’s not always easy to know which product is right for you. When buying health insurance in Dubai, there are several things to consider, such as the cost of premiums and how much coverage you need. Read on for advice on what to consider  before purchasing a policy and how to get a plan that’s apt for you

What is Health Insurance and why is it important?

Health insurance provides coverage to pay for medical treatment and related expenses. It’s different from health care expenses that you pay for yourself, such as visits to the doctor or pharmacy. Your health insurance plan will cover treatments that are listed in your policy. Health insurance is important because illnesses and injuries can happen at any time. Even if you’re healthy now, you might not stay that way. Without health insurance, you may end up with massive medical bills that you will be forced to pay for, out of your own pocket.

Types of Health Insurance plans available in Dubai

There are five main types of health insurance available in Dubai:

Individual Health Insurance

As the name suggests, this type of health insurance is created keeping the needs of a single user in mind. The is single policy insuring an individual   usually for 1 year. An individual can also take health insurance plan for more than 1 year. The premium charged in such cases might cumulatively lower.

Family Health Insurance

This type of health insurance in Dubai is created to cover your family members under the same plan  It can be customized to cover the needs of every family member, the total premium for such a plan is higher than an individual policy but the premium per person is lower.

Employee Health Insurance

As per Dubai's medical insurance regulations, group or employee health insurance is mandatory. The majority of the fundamental employee health insurance plans include maternity care, inpatient and outpatient care, emergencies, surgeries, medical testing, and medications availed.

Dependents Health Insurance

This type of health insurance was created to provide for your dependents because the law requires that everyone have access to at least basic health insurance coverage. Children, parents, non-working family members, and spouses are usually considered dependents under the purview of the law.

Investor Health Insurance

Insurance for North Eastern Emirates

What does a basic Health Insurance plan cover?

Health insurance plans will each have their own specific coverage details. They will differ between different insurers and the type of plans each insurer offers. Basic health insurance plans will cover treatment such as outpatient medical expenses ,inpatient treatments like hospitalization, and emergency transportation. They may also cover maternity treatments and emergency dental treatments. However, many basic plans will miss one or two important add-ons you may need. These are further explained below.

Types of add-ons you can use to customize your plan per your unique needs

A basic health insurance plan on its own may not be enough to cover every medical need. That is why you should explore the add-on options offered and customize your health insurance plan further. Some of the add-ons you can consider are as follows:

Dental care -

Dental care is often not included in basic health insurance plans in Dubai. This is important to keep in mind because dental disease can cause serious health complications.

Psychological care -

Psychological care refers to therapy visits and/or medication. Basic health insurance plans may not cover these types of treatments.

Outpatient care -

Some basic health insurance plans will not cover outpatient treatment. This can make them insufficient for many expats living in Dubai.

Eye Care -

Eye care is an important aspect of health and well-being. Basic health insurance plans may not cover eye care, this coverage can be availed through an add-on

Medical evacuation -

Medical evacuation coverage is important to have if you should ever need to be airlifted to a hospital outside of Dubai. Basic health insurance plans may not include this important coverage.

How to buy your health insurance plan in Dubai

The most convenient way to buy health insurance in Dubai is by consulting with an insurance broker. The sheer volume of plans and options offered by insurance providers can get confusing. And since this is an important decision, it’s always better to take help from an expert in this field. This is where insurance brokers can guide you well.

Insurance brokers in Dubai are up to date with the latest developments in the health insurance market and have a ready database of plans by insurance providers at their disposal. You can leave it to them to get you the best possible premiums, features and coverage for your situation. Their expertise can translate into sage advice. They understand your unique needs and can help you select the right plan for you

Finally, it must be noted that insurance demands constant engagement, whether it is the payment of premiums to keep the policy from lapsing, filing claims, or even reviewing the adequacy of health coverage that you currently have. An insurance broker can help you out with the entire process, all throughout the policy tenure.

Summing up

Health insurance is important because illnesses and injuries can happen at any time. If you don’t have health insurance, you may end up with massive medical bills that you can’t afford. Basic health insurance plans may cover doctor visits and hospitalization, but they may miss important add-ons like dental care, eye care and psychological care. It’s important to weigh the costs of different plans with the coverage they provide with the assistance of an insurance before buying health insurance in Dubai.

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Health insurance rating has depended on lagging factors like age, existing diseases, gender, smoking habits and experience. However, with the revolution in connectivity of devices and wearables, such questions are being addressed to with confidence and with a solution.

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Driving without a valid driving license in the UAE is a punishable offense. Thus, expats in UAE can either transfer an existing, eligible license for one in UAE or apply for a new one altogether.

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Let's explore what are the various documents and procedures to know for registering a car or renewing the registration like a cakewalk; then put the cherry on it with car insurance in UAE before taking it out on the road.

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Car insurance is essential for protecting the financial interests of a car owner in case of an accident. After all, no one wants to think about what would happen if their car were destroyed in a crash or if someone were to injure themselves inside it. Hence, buying car insurance is mandatory to protect against these risks. However, buying car insurance can be confusing for many individuals who do not know where to start or how to get the best deal on their premiums. If you’re among those people, then this article is going to help you understand the ins and outs of buying car insurance in the UAE. Keep reading to know more.

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Planning to buy health insurance? It is important to know your insurance provider well before choosing one. Here are pointers to consider before choosing the insurance provider. Read more…

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GCC spec cars are designed for the UAE's extreme terrain, temperature, and weather condition

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Buying your own house is a dream of many, but securing it with the right home insurance is also very important. Learn about home insurance importance and its benefits.