Choose your Health Insurance – Save with us!

Choosing the right health insurance is vital as the high costs for medical treatment in the UAE can be of extreme financial burden.There are many insurance providers in the UAE and choosing one is a difficult task.

Price should be one consideration when comparing policies. You should also consider the benefits and restrictions of the different policies. InsureMe.ae has done the hard work for you. We compare the best insurance options side by side, thus allowing you to select the most suitable cover for you. Contact us today for a quote on your Health Insurance!

“I’ve been dealing with InsureMe for almost 2 years now. They have impressed me with the level of service and product knowledge to the point where I have recommended them to everyone I know who might benefit. And they have.”
- Diya Al-Sarraj (Financial Analyst)

Health Insurance

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How can InsureME help You?

We are your online supermarket for comparing and purchasing health insurance in the UAE. Our mission is to provide transparency and wider choice of health insurance – products saving your time and money. InsureMe.ae is a wind of change that blows through the insurance market in the UAE. We aim to offer you a transparent one-stop shop for comparing and purchasing various insurance products online. We provide a no-hassle and easy-to-use online insurance portal where you can find the right products to suit your needs by comparing key insurance cover, additional options and prices side by side. InsureMe.ae, by its very nature, promotes a more competitive market place for health insurance products.

“Although I have never met the consultants face to face, and all our communication was via either telecom and/or emails, I was very amazed with the level, quality and speed of the service I received from you. I’m truly thankful for dealing with you – you made my life easy, especially in choosing which coverage I should take for myself and my family – and I will surely be recommending you and your respective firm to others.”
- Osama Al-Othman (Director)

Health Insurance

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Benefits of a Private Health Insurance

Being a private health insurance member allows you to be treated in a private or public hospital as a private patient. This means that you may be able to choose from a range of clinics and/or hospitals, the doctor that treats you, and the time for treatment that suits you.

What does health insurance cover?
The exact amount of hospital treatment you are covered for depends on the level of hospital cover that you purchase, as well as the hospital and doctor you choose and whether they have an agreement with your health insurer and are included in their network. You can also purchase extra cover that includes services that are generally not provided such as services for pregnancy and child birth and/or dental treatments.

Do I need to have a medical examination before being accepted for the health plan?
You need to complete a medical declaration, although sometimes you might be asked for a medical report from your doctor.

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Will I be covered for any pre-existing conditions?
For individual covers medical conditions for any medical or related conditions for which you have received treatment, had symptoms of, existed to the best of your knowledge or you sought advice for “prior” to your date of entry are excluded from coverage by most health insurance companies. However there are exceptions and if you would like to discuss the options than please contact our helpdesk. If you seek group insurance you might be able to cover the group despite pre-existing conditions of one or more group members. The insurers, however, will decide the outcome, on the merit of each case. You should contact our helpdesk if you wish to discuss your individual scenario.

Am I coved if I travel away from my area of residence?
This depends on the type of plan you have chosen. For example if you have selected a GCC coverage then you are also covered in all the other GCC territories. If you have selected Worldwide Cover excluding the USA/Canada then you are covered worldwide except for North America.

How do I know that I am covered before receiving treatment?
Some treatments or planned admission to a hospital might require prior authorization. You can check the schedule of benefits. However, in most cases the Medical Practitioner will contact your insurer to receive the approval prior to the treatment.

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Is Chiropractic/osteopathy covered?
Most insurance companies do offer cover although treatment by a Chiropractor/Osteopath must sometimes be referred by a Specialist only. A referral cannot be obtained retroactively. Coverage might be limited to a certain number of sessions. Be sure to check the schedule of benefits.

Is Physiotherapy covered?
Most insurance companies do offer cover although claims for physiotherapy might have to be pre-approved or accompanied by a referral from a Medical Practitioner. Cover might be restricted to a number of sessions. Be sure to check the schedule of benefits.

Are maternity services covered?
Cost associated with normal pregnancy and childbirth, pre- and post natal check-ups and delivery costs may be included depending on the plan you choose – sometimes only up to a limit or subject to a waiting period. If you address your concerns we will able to select the right insurance plan for you.

Are dental services covered?
This depends on the additional cover you choose. If included in your policy it mainly offers routine dental treatment for examinations, tooth cleaning, compound fillings, extractions and root canal treatment. The number of times these services can be performed and/or the maximum covered amount will be restricted to certain limits as mentioned in the policy terms.

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How is the policy excess/deductible applied?
Policy excess is the amount for which you are responsible and which has to be paid at the time of the appointment and before the insurer will pay. The higher the deductible or so-called excess or co-insurance, the lower the premium you pay. This is an advantage for small business owners to provide a cost-efficient way to provide health insurance to their employees. It may also be a good idea for an individual to look for small deductibles if he or she is happy to pay for medical care for minor ailments out of his or her pocket. For all costly treatments such as hospital in-patient treatment the insurer would pay the amount over and above the deductible. So you should check the possibilities of deductibles if it is within you budget to pay for minor ailments out of your pocket as it could substantially lower your annual premium.

Benefits
Our website is for individuals and families who need a simple and easy coverage for health insurance. Our users can compare quotes from different insurers and save time & money. Traditional insurance brokers will only suggest policies they prefer, which may not necessarily be the best solution for the customer. In addition, brokers may be biased about the recommended policy due to the commission they receive. InsureMe.ae allows customers to find the best products by comparing key insurance cover, additional options and prices side by side.

Health Insurance

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+971 52 9060335

What distinguishes InsureMe.ae:

  • We provide free and impartial advice and consultation.
  • We have agreements with each provider on our platform.
  • We give real quotes and can sell them as quoted.
  • We have alliances with the top tier companies.
  • Customers get instant answers/solutions/satisfaction.
  • Customers can get the quote online anytime, at any place.
  • We are fully licensed by the Insurance Authorities in the Dubai, UAE.

 
I have been very pleased with your team’s work based on your services and professional attitude. We are very satisfied with your efficiency and ability to analyze our needs and come up with a suitable solution, as well as deal with all potential queries or issues that could come up at a later stage, once the insurance policy has been signed. This has been most appreciated!
- Deni Harizanova (Senior Account Manager)

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Top Things To Know Before Buying A Health Insurance

1. What is generally excluded in a policy?
All policies are subject to exclusions. Exclusion can be anything the insurer will not cover. Hence you will not be reimbursed for medical expenses, which are subject to exclusions. These exclusions vary from policy to policy.Common exclusions include:

  • Special or Major Dental Treatment
  • Plastic and cosmetic surgery
  • Pre-existing conditions
  • Conditions developed due to misuse of drugs or alcohol
  • Experimental or unproven care
  • Fertility treatment or testing
  • Any intentionally self-inflicted bodily injuries
  • Treatment of psychological conditions
  • Termination of pregnancy unless medically prescribed
  • AIDS or HIV related diseases.
  • Contraception, including sterilization
  • Epidemics that are under the direction of the authorities
  • Obesity treatments
  • Sexual dysfunction
  • Treatment of diseases during military service

 

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2. What are waiting periods?
Waiting periods prevent you from making claims soon after signing on to an insurance plan, or from claiming on pre-existing conditions.The duration of a waiting period varies among insurance companies. The most commonly encountered plan benefits that have waiting periods are maternity and dental.All insurance companies have different policies regarding the use of waiting periods, so it is best to speak with one of our advisors.

3. What are pre-conditions?
In a nutshell a pre-condition is a condition that exists or is established before the first day of your policy coverage. For example if you have an existing injury or an ongoing medical treatment i.e. diabetes, high blood pressure etc. Most insurers exclude pre-conditions. The few insurers who accept it do it on a case-by-case basis and require a medical report (which you have to pay for).Others may apply a waiting period for pre-existing conditions and a sublimit. Serious cases are usually rejected. A health insurance advisor can help you find the policy that will best cover your healthcare needs

Health Insurance

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4. Are my Chronic Conditions covered?
Chronic condition is a disease/health condition that is persistent or long-lasting in nature, such as: diabetes, asthma, or heart disease.Not all medical plans cover chronic conditions in full. Other plans will restrict the cover to the ‘Acute Phases’ of the condition or put a limit on its expenses i.e. annual or lifetime limit on the cover. A health insurance advisor can help you find the policy that will best cover your healthcare needs.

5. How can I be covered for Maternity?
Most policies have an option for maternity coverage BUT apply different waiting periods and conditions. The waiting period for a maternity benefit may vary among insurers; typically the waiting period can range 6 to 12 months. You need to review the limits on maternity coverage, as anything in the range of AED 10-25,000 will barely cover your costs for pre – and postnatal treatment. Maternity coverage will usually provide for the following:

  • Pre and postnatal treatment
  • Normal delivery
  • Complicated delivery
  • Medically prescribed Caesarean