Choosing a good health insurance plan that suits your needs and lifestyle is not as simple as it sounds. With so many things to consider, choosing the right plan—whether you are doing it for the first or the tenth time—can be confusing. To make things easier, think about the basics when choosing your insurance.
The hospital level cover
The hospital cover is the most important aspect of any medical insurance in Dubai. It determines the primal medical care services covered and the type of hospitals you can go to in case of anything. A low-level cover will give you basic care on public hospitals, while the very best will support you in private high-end hospitals.
Extra covers give you access to specific medical care services not easily accessible to most people. For instance, chiropractic or optical consultation belong to this category. Since these extra covers are expensive, you need to choose what is applicable to your current or predicted health condition.
Talking to your doctor or taking a complete exam before choosing your medical insurance plan should help you identify which added coverage to choose. Moreover, UAE Medical Insurance says you can get advice on what kind of insurance works for your needs depending on your current age and health conditions.
Note that basic medical insurance already covers diabetes and pre-diabetes conditions as Dubai’s way to standardize diabetes management. Other conditions may soon be covered.
The waiting periods
All the health insurance products have specific waiting periods. Most insurance companies have a two to 36 month waiting period; it depends on the type of insurance. The shorter the waiting period the better.
Shopping for a health insurance is more than considering the premiums and the limit of each cover. You need to shop around in search of the most favourable plan. A favourable cover should consist of comfortable premiums and the most basic health cover with respect to your health condition.