Dealers complain of limited “health insurance” coverage

Dealers complained to “Emirates Today” that they did not benefit from the health insurance policy that they bought to issue “residency”, as well as not accepting it from most hospitals and health centers in the northern Emirates.

For its part, the Emirates Insurance Union stated that the prices of health insurance documents in the northern Emirates are minimal, which may start from 300 dirhams or slightly higher, meets the requirement for the issuance of residency, but the insured does not benefit “healthy” except with very limited basic covers, and in specific health centers, with a great contribution from him at any medical review.

The right document

In detail, the head of the Health Insurance Committee at the Emirates Insurance Union, Abdul Mohsen Jaber, told «Emirates Today» that the insured must search for health insurance coverages that suit his health condition and are reasonable, and he does not search for the cheapest price for the document, because he will not benefit from the document in this case except in the narrowest limits, pointing out that this matter applies to all the emirates of all the state, as the health insurance policy must be purchased according to the health condition, according to the health condition according to the health condition, according to the health condition. And the medical situation of her holder, and the benefits and coverage he wants.

Jaber’s comments came in response to complaints received by «Emirates Today» from the elderly, retirees, and children who exceeded the age of 21, but they live with their families without work, as these complaints relate to their lack of benefit from the health insurance policy that they bought to issue “residency”, as well as not accepted by most hospitals and health centers.

They assured «Emirates Today» that the price lists provided by the service centers that took over the task of completing the documents for residency, set a price schedule that includes the price according to age.

Donia and Kassawi borders

Jaber added: “The health insurance law in the northern Emirates was recently issued, and the person is obligated to have health insurance, a condition for issuing residency, without the presence of minimum or maximum limits for the value of the health insurance policy, unlike the applicable in Dubai and Abu Dhabi, where the law requires a minimum document, with specific requirements and basic coverage as well.”

He continued: «As for the northern Emirates, there is greater flexibility regarding the prices in its minimum, so we find that the prices and borders are less than their counterpart in Dubai and Abu Dhabi, and from here we find a health insurance document starting from 300 dirhams, which can be relied upon when renewing the residence, and in return there are documents at other prices higher in thousands of dirhams.

He said: «If the insured has a specific medical situation, and wants to benefit from health insurance, he must pay a larger amount, and choose the price slide that covers its requirements, and it is acceptable in a wider medical network, larger health centers, and higher limits, either to buy a cheap insurance product about 300 dirhams or a little higher, then this cannot obtain reasonable insurance coverage, this is not possible The minimum limits that the insured chooses in terms of prices, to be issued only, and here he must not expect to benefit from the document in treatment and review hospitals.

Jaber stressed that the schedules of health insurance benefits include all coverage, and their prices come in detail, where the insured can choose what suits him, pointing, for example, to insurance coverage of up to 50 thousand dirhams annually, which differs from those that are estimated at 500 thousand dirhams or a million dirhams annually, as well as the situation for the medical network, and the extent and comprehensiveness of it according to the price.

He said: «Therefore, the insured who buy health insurance with its minimum limits, should not expect high insurance coverage, and they must realize that their contribution to treatment will be higher than if they paid a greater amount to buy a medical insurance policy at a higher price.

Price slides and age groups

The Talab Al -UAE today showed it – and it includes the prices of well -known insurance companies, from which the insured who wants to renew the residence in the northern Emirates – is chosen from the northern Emirates – that there are four price slides for each age group, as the price of the insurance policy for the category from the age of one day to 17 years from 360 dirhams to 768 dirhams, while the prices of the insurance policy for the age group from 18 to 39 years from 386 dirhams begin Until 499 dirhams.

In turn, the price of the insurance policy for the age group from 40 years to 59 years ranges between 478 dirhams and 861 dirhams, and the price of the document for the age group between 60 and 85 years between 1040 dirhams and 5070 dirhams.

Emirates Insurance Union:

If the insured wants him to benefit from health insurance, he must pay a larger amount, and choose the price slide that covers his requirements.