Maternity Insurance in Dubai

Maternity insurance in Dubai Delivering a baby without Maternity Insurance in Dubai can be very expensive. Delivery fees from January 2011, at UAE government hospitals are AED 5,000 for natural births, and AED 8,000 for caesarean section (previously AED 2,500 for natural birth and AED 5,000 for csection). If the patient does not have medical insurance in Dubai, it doubles to AED 10,000 for normal births and AED 16,000 for caesarean sections. Private hospital fees ranged from AED 6,000 to AED 25,000. Although many companies provide medical insurance in Dubai to their employees, the government has not yet made it mandatory (this is about to change in the near future). This means that many couples who are planning to have babies should get maternity insurance in Dubai for themselves.

Key points to consider when buying Maternity Insurance in Dubai

1. What are the limits of the maternity insurance being offered?

2. Which hospitals are covered in the providers network list?

3. Are these hospitals close to where you live, in case of emergencies?

4. Are the hospitals in the list the type that you would be comfortable with?

5. Currently insurers offering maternity insurance in Dubai have a waiting period of 10 months or more. This means that any couple that has maternity insurance in Dubai for more than 10 months, and conceives after this period will be covered for all costs when they renew with the same provider.

6. Does the plan cover prenatal and postnatal costs?

7. Does the plan cover premature delivery and incubator costs?

8. What are the limits of maternity cover being offered?

9. Is the maternity cover being offered as a cashless facility or on reimbursement basis?

10. Finally, is the insurer a reputable company that honors claims without hassles?

11. Do you have the time and patience to research the various options available?

Consequences of not having the right maternity insurance in Dubai

Not having maternity insurance in Dubai can turn out to be very expensive, based on the costs mentioned above. There have been a number of horror stories of people having to pay a lot of money because their medical insurance plans did not cover maternity costs.

Not all medical insurance plans suit all individuals. Each person has different needs. This where our medical insurance department is able to help you, by providing quotes only from the providers best suited to your needs along with free impartial advice.

How to apply for Maternity insurance in Dubai

Please fill out the form below and leave the rest to us Muppet, Here's the deal. you can join any that offer direct settlement with the physicians/hospitals you like. That way, there's no hassle for you to even worry about and need to call them. But you should call the big names and talk to them. There is nothing better than asking your own questions. If you are preggers: ask them what they cover under pre-existing conditions. Most Companies will negotiate some coverage for you, but it will add to your normal premium. Also know that there is a difference between the waiting period for maternity (which means delivery) and Outpatient Maternity (going to the doc for sonograms, check up, etc), which are normally covered immed if you are not pregnant and can be negotiated if you are. I called Daman insurance....but I am particular about going to City Hosptial and American Hospital. So I asked about the coverage for those 2 places. They cover all outpatient maternity immediated and cover delivery after 6 months, which is great cause it takes 9 months to make a baby . But they only cover these hospitals at the regional & international plans, which are about 2000AED annually more than the UAE plan. Also called ESBD and they said that their waiting period was 11 months for delivery and they cost about the same as the regional for Daman (7500 per year). Make sure you ask about: 1) Hospitals you want to visit & the name of your physician to ensure coverage 2) Direct Settlement (good) vs. claim reimbursement (Hassle) 3) Coverage of delivery vs. Outpatient maternity 4) Availability of Customer Service...I suggest calling in the middle of the night to get this info. If they answer and are nice...GO WITH THEM!!

I'm with Global Health and have taken cover for maternity, I won't be allowed to make a maternity related claim for the 1st 12 months. This cost around Dhs.7000 per annum. So far I haven't had to claim so I can't tell ou whether they are any good or not.

Home Top 5 things you should know before buying Health Insurance

Top 5 things you should know before buying 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 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 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