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Cancer
is a big health problem around the world, and the UAE is no different. Even
with excellent hospitals and treatments, cancer
care can be very expensive. Having a good healthi nsurance plan for cancer in the UAE can help cover these
costs, so patients
can concentrate on getting
better rather than worrying about money.
This guide will help you explore the best cancer
protection insurance options
in the UAE and make
informed decisions for your well-being.
What is Cancer Protection Health Insurance?
Cancer protection health insurance is a plan that assists in covering costs if you are diagnosed with cancer. This includes expenses for testing, treatment, and recovery. These plans usually cover:
|
Category |
Description |
|
Hospitalization |
Covers inpatient and outpatient care
for necessary treatments. |
|
Surgery |
Financial support for
cancer-related surgeries, including pre- and post-operative care. |
|
Chemotherapy & Radiation |
Full coverage for essential cancer
treatments. |
|
Diagnostic Tests |
Pays for screenings, lab tests, and
imaging for early
detection and monitoring. |
|
Post-Treatment Care |
It covers follow-up appointments, rehabilitation, and
supportive therapies. |
Cancer Protection Health Insurance Plans in the UAE
The BASMAH Initiative: Cancer Care Coverage
in Dubai
In 2021, Dubai started the Basmah program to help cancer patients, especially those who don't have much money (earning AED 4,000 or less each month). This program offers affordable treatment for common types of cancer, like breast, colorectal, and cervical cancer.
How Does It Help
Offers treatment
through the DHIC Center of Excellence in Dubai.
Covers additional costs if the patient’s insurance reaches its limit.
Who Can Enroll?
Residents with a Dubai visa valid for at least one year
insured LSB members diagnosed
with eligible cancers
after the program
launch.
New and existing
Dubai residents who were not diagnosed with cancer before moving to the UAE
Enrollment is permitted only after diagnosis is confirmed by the Centre of Excellence (CoE).
|
Coverage |
Description |
|
Screening & Treatment |
Covers necessary medical tests, doctor
visits, and treatments. |
|
Screening Locations |
Available at multiple medical facilities, with some requiring prior approval. |
|
Treatment Facilities |
Provided at designated Centers
of Excellence. |
|
Cost Coverage |
Insurance covers up to an annual limit;
additional treatment is supported by a special fund. |
|
Waiting Period |
No waiting
period for enrolled individuals. |
|
Disclosure |
Patients must
disclose pre-existing conditions to insurers. |
|
Commitment |
Patients must
follow prescribed treatments to remain eligible. |
Key Factors to Consider When Choosing Health Insurance in the UAE
To maximize
your benefits, consider
these important factors:
Coverage for Chronic Conditions
Ensure your plan covers chronic illnesses, including cancer.
Some policies cap coverage at AED 150,000—seek plans with higher or no limits.
Co-Payments & Costs
Essential plans limit inpatient treatment co-pays to AED 500 per visit or AED 1,000 per year.
Premium plans may offer zero co-pays
for both inpatient
and outpatient care.
Family History of Cancer
A family history of cancer typically does not raise
insurance premiums.
However, additional health risks may result in higher costs.
Pre- & Post-Treatment Coverage
○ Choose a plan that includes
Regular cancer screenings (e.g.,
mammograms).
Full coverage for chemotherapy, radiation, and surgeries.
Hospice and palliative care options.No waiting periods for new chronic
illnesses.
Waiting Periods
Many plans impose a six-month waiting
period for new conditions.
To avoid gaps in coverage, ensure
continuous policy renewal.
When Does Cancer Protection Coverage Begin?
Your coverage starts
as soon as you buy the policy,
as long as you do not have any pre-existing conditions or provide false
information. The insurer may ask for your full medical history to check your eligibility. If you are diagnosed with a new condition, there may be a waiting
period of up to six months. Be
sure to review the policy benefits to understand when your coverage begins and
if there are any limitations.
How to Choose the Right Cancer Protection Health Insurance Plan in the UAE
|
Step |
Description |
|
Step 1: Assess Your Needs |
Consider family medical history, age, and
personal health risks. |
|
Step 2: Research
Providers |
Compare UAE insurance providers based on reputation and coverage. |
|
Step 3: Review Coverage |
Ensure the plan covers all cancer stages,
treatments, and post-care. |
|
Step 4: Understand
Premiums |
Check if the cost
remains stable or increases over
time. |
|
Step 5: Verify Waiting Periods |
Look for minimal
or no waiting periods before
coverage begins. |
|
Step 6: Read Policy
Terms |
Carefully review
exclusions and claim
procedures. |
|
Step 7: Consult an Expert |
Seek professional guidance to select the
best plan for
your needs. |
Getting a cancer protection health insurance plan in the UAE is important for managing treatment costs and ensuring quality care. Choosing the right plan, along with regular screenings and critical illness coverage, can help ease financial stress and provide peace of mind during tough times.
Take
the time to compare policies, consult an insurance expert, and select a plan
that offers comprehensive coverage. Planning
ahead ensures that you and your loved ones receive
the best possible care without the added stress of financial strain.
