While purchasing a health insurance plan, you will come across numerous terms. Pre-existing conditions are one of those terms that can be pretty confusing. Understanding the common pre-existing conditions is crucial as they can directly influence the coverage. Every insurance provider in the UAE has a different take on pre-existing conditions.
Health insurance is of utmost importance as it covers the cost of treatment. Moreover, in the UAE, it is mandatory to opt for health insurance in dubai. The cost of treating health issues can quickly become prohibitive. Learning the intricacies of pre-existing conditions while buying a medical cover will help you make an informed decision.
What are Pre-Existing Conditions
A pre-existing condition is a medical condition that existed before activating your health insurance policy. These conditions typically vary but are vital when buying a new or different insurance. Some common examples of pre-existing conditions are high blood pressure, diabetes, etc.
While offering health insurance for pre-existing conditions, insurers will assess the risks associated with your chronic illnesses. This assessment may comprise a comprehensive review of your medical history, blood tests, and physical examinations. Based on the evaluation of the insurance agency, your premiums may be higher.
Tips to Manage Health Insurance with Pre-Existing Conditions
One of the most effective ways to manage health insurance with pre-existing conditions is to record your medical treatment. Individuals with pre-existing illnesses can check for new information about the coverage plans by consulting with the insurer.
The Challenges of Buying Medical Insurance with Pre-Existing Conditions
People with pre-existing conditions may face various challenges while buying health insurance in the UAE. Outlined below are the everyday challenges of purchasing medical insurance with pre-existing conditions.
A Higher Premium Amount
You will have to pay more with a pre-existing illness. On the other hand, in some cases, insurance companies may exclude certain conditions and include a waiting period. In the UAE, being aware of pre-existing conditions is crucial if you want to apply for medical coverage.
A Fewer Options for Comprehensive Coverage
Often, people with pre-existing conditions have fewer options for comprehensive coverage. These limited options can severely affect your treatment during emergencies. The key here is to compare and buy insurance plans accordingly based on your needs and pre-existing conditions.
The Significance of Declaring Your Pre-Existing Conditions
When applying for a health insurance policy in Dubai, you must declare any sort of pre-existing condition. If you fail to declare the pre-existing conditions, the insurer will not cover treatment costs for the same.
Note that the cost for each plan for health insurance for pre-existing conditions is fixed. Therefore, comparing them is the best way to opt for an all-inclusive medical insurance plan.
Having a pre-existing condition can complicate the delicate process of opting for health insurance in the UAE. To negotiate the challenges of buying health insurance in Dubai, compare various coverage plans online. Most of these online platforms have customer support specialists who will guide you through purchasing medical insurance for pre-existing conditions.
