Zubair* is a 40-year-old happy-go-lucky father of 2 pre-teen kids and a toddler, happily settled in Dubai. He lives a healthy lifestyle – walking the 10K steps, doing yoga, and practising meditation. However, a few days before his toddler turned 4, his health suffered a major setback and he was admitted to the hospital in a critical condition.
Upon diagnosis it was revealed that he had a major heart attack. Fortunately, he got treated and underwent his angioplasty at the right time. He was eventually discharged and was ready to go home. However, when the time to pay the bills came, he was shocked to see the whooping invoices, treatments costs, and the room costs.
To add fuel to the fire, he never thought of getting a private health insurance plan to support such costs as he thought nothing would ever happen to him. His employer’s health insurance plan didn’t cover all the major costs of his treatment. As a result, he had to dig into the savings he had accumulated for his children’s higher education.
A health insurance plan comes as a saviour in the most dire situations. Take Zubair’s story for instance. Had he been prompt in getting a health insurance plan at the right time, his hospital bills could have been easily settled.
A health insurance plan is a necessity in this fast-pacing yet stress-inducing life where health issues have become frequent and unpredictable. To add to it, the ever-increasing medical expenses are no longer helping in getting the treatments easily. Thus, a health insurance plan is important. With such a financial safety net, you can concentrate on recovering from the illness while the policy provider assists you in handling the medical bills.
In this piece, you will get some important and convincing reasons to buy health insurance UAE. Continue to read to know more!
Benefits of Health Insurance
- Covers the Hospitalisation Costs – Most promising health insurance plans in the UAE tend to cover hospitalisation expenses which includes the doctor’s charges, nursing costs, accommodation costs, treatment expenses and more.
- Get Treated Conveniently – Majority of the health insurance companies have a convenient claim settlement process which makes it easy to pay the bills. You can even seek a claim for ambulance charges if applicable.
- Get Outpatient Care – These benefits include cover doctor visits, lab services, and costs of prescribed medications.
- Maternity and Neonatal Cover – This benefit offers cover for several medical expenses including prenatal care, delivery, and postnatal care for both mother and the baby.
- Accidents and Injuries – A large number of health insurance plans offer coverage for accidents and resultant injuries. The policyholder is covered for surgery (if required), treatment, and even rehabilitation costs.
- Wide Medical Network – Most health insurance plans in the UAE provide you access to a wide network of major healthcare providers including hospitals, medicities, clinics, and more.
- Financial Security – Had Zubair bought a comprehensive medical insurance plan at the right time, he wouldn’t have needed to use the corpus he created for his children’s future to pay for the treatment costs. This is how a health insurance plan works. No matter if it is an emergency situation, having a health insurance plan takes care of the financial aspect of the hospitalisation while you get treated, thus saving your corpus for the intended purposes.
To Conclude
A health insurance plan is an important aspect of your money portfolio. It offers a financial cushion in case of emergency medical situations, saving you from digging into the money you have saved so far.
With numerous benefits, a health insurance plan if bought at a young age, ensures that you get the best offers on the covers it offers. Moreover, it offers financial coverage for critical illnesses, maternity, accidents, and injuries (except injuries due to self-harm or illegal activities).
*This example is purely fictional. There is no relation to any real life situation.
