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May 01, 2020

YOUR MEDICAL INSURANCE AND COVID-19 RELATED QUERIES!

Health is wealth! The world is revolving around this well-known quote which we would have used many times in the past but not to the extent which we use in the current scenario.

Health is wealth! The world is revolving around this well-known quote which we would have used many times in the past but not to the extent which we use in the current scenario. All valuable assets and dreams in life are set aside by human beings just to fight the Covid-19 pandemic together. As the world battles the impact of Covid-19, which is developing on an hourly basis with no end yet in sight, one of the most frequently asked question is the extent of coverage available under private health insurance policies. The majority of the residents in UAE come under the bracket of mandatory health insurance due to the implementation of law by respective health authorities in Abu Dhabi and Dubai. With respect to Covid 19, as per the directives of the Ministry of Health and Prevention (MOHAP) and circulars issued by Health authorities (DOH, Abu Dhabi and DHA, Dubai) cases related to coronavirus will be covered under health insurance policies and to be treated as an emergency case.

Some of the leading insurers have also extended Covid-19 coverage under their international plans for insured members stuck in overseas destinations. Covid-19 related claims for medically necessary diagnostic tests, consultation and hospitalization will be reimbursed subject to policy terms & conditions particularly if the location is falling within the geographical scope as defined in the policy schedule. The Covid-19 period is teaching a lot of lessons and survivors will become stronger to navigate their life further. The global spread of coronavirus is likely to bring a huge shift in people’s behavior and their priorities. Health insurance will be a priority for most individuals as well as corporates.

The demand for having higher benefits, wider network of medical providers under the insurance programme is likely to increase. UAE has one of the best health care infrastructure and state-of-the-art facilities both at public and private levels. The local presence of some of the international brands also gives extra confidence to policy holders to get best treatments locally.

Wishing all healthy life ahead and stay safe. Health is wealth!

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