Family Health Insurance
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What is Family Health Insurance?
Family Health Insurance is a type of insurance policy that provides complete medical coverage for your entire family. It pays for all the expenses related to hospitalization and medical treatment procedures.
Family Medical Insurance provides the necessary financial assistance during medical emergencies. It alleviates the financial burden on your family due to serious health conditions. Now you do not have to drain all your savings or fall into debt to pay huge medical bills.
Why Do You Need Family Medical Insurance?
It is mandatory under law for all the residents of Dubai and Abu Dhabi to get health insurance coverage.
Complete Financial Coverage
A health insurance policy covers all medical expenses, and no need to pay the bills out of your pocket.
Peace of Mind
A family health insurance plan provides a financial safety net during medical emergencies. You do not have to worry about arranging money at short notice to pay for expensive treatments.
The best health insurance in UAE for families pays for everything from a routine checkup to complex surgery. All you need to do is to pay a nominal premium every year to enjoy complete health protection.
Cashless Claim Benefit
The health insurance companies have a wide network of hospitals to provide cashless treatment to your family. This ensures that you get high-quality medical treatment without worrying about the bills & expenses.
Benefits of Family Health Insurance Plans
The plan covers every member of the family under a single policy. This is much affordable than buying individual health insurance policies for every person.
The best health insurance in Dubai for a family will provide comprehensive coverage for all medical expenses. You can cover pre and post-hospitalization expenses, outpatient services, daycare procedures, maternity services, and dental treatments.
A family health insurance plan provides financial support during times of medical emergencies. You can get the best treatment for your family members without worrying about money.
Critical illnesses such as cancer, stroke, heart ailments, and kidney diseases can be covered under family health insurance.
Family insurance plans also provide the benefit of cashless treatments. The medical expenses will be paid directly by the insurer to your hospital. This helps you avoid the financial burden of arranging money for medical treatments.
Family Insurance Cost in UAE
A basic family medical insurance plan in UAE will cost you around AED 17,000-18,000 per year (for a family of 4 members) and the premium may vary depending on the plans.
A comprehensive Family Medical Insurance Dubai will typically cost you around AED 33,500 per year (for a family of 4 members) and the cost of the policy may vary depending on the plans you choose.
Things to Consider Before Buying Medical Insurance for Family in the UAE
The policy sum assured must be adequate to meet the needs of your entire family. Please consider the health status of your family members.
The health insurance premiums are much lower for younger applicants. Buy family health insurance as early as possible.
The family medical insurance plan must provide maternity benefits.
Check the waiting period (if any) for pre-existing diseases.
Choose an insurance provider with a vast network of hospitals. This helps you avail of cashless treatment at any of these hospitals.
The insurance claims process must be simple and convenient, and they must have the best claim settlement ratio. This ensures that your claims are settled quickly & seamlessly.
How to Compare Different Family Health Insurance Plans?
Identify Your Requirements
Consider the size of your family and their specific medical conditions before buying family health insurance. The insurance coverage must be sufficient to cover the needs of your entire family.
Compare the Plans
The next step is to compare the features, benefits, and prices of different family insurance plans. Shortlist a few of them that suit your needs & budget.
Check the Insurers’ Track Record
Once you shortlist a few insurers, check out the number of years they have been in existence. Compare their claims settlement ratios and hospital networks. Please read the online customer reviews in detail.
Know the Claims & Renewal Process
It is important for the insurance claims & renewal process to be simple and seamless. This ensures that all your claims are settled speedily, and the renewal process is smooth.
Purchase the Right Plan
Once you have all the information at your disposal, you can proceed toward purchasing the best health insurance plan for your family. Now it is very convenient to buy family health insurance online.
How to Buy the Best Health Insurance in UAE for Family?
Visit the official website of Prominent Insurance Brokers. Enter your details in the family health insurance quote form.
Once you provide all the required details in this form, click on the ‘Submit’ button.
One of our executives will soon get in touch with you. You will be guided by our team to buy the best health insurance in Dubai for your family. You can easily make the payment online.
You can also click on the Whatsapp icon on this page and chat with our team members. They will guide you step-by-step to buy the policy online.
How to Claim Your Family Health Insurance?
Visit the official website of PIB Secure. Please report the claim under medical insurance.
Provide all the documents and submit the medical bills in support of your insurance claim
The processing of claims and their approval may take 7-14 days. Please wait for the approval.
Frequently Asked Questions about Family Medical Insurance
Family Health Insurance covers your entire family under a single plan. You do not have to purchase individual plans for every family member. There is no need to pay multiple premiums on multiple policies. So family health insurance is much cheaper than buying separate policies.
Yes. It is mandatory for all residents of Dubai to have health insurance coverage. If your employer does not cover your dependents, then it is your responsibility to get a health insurance plan for your family.
New family members can be added to your existing plan only at the time of renewal. But except for newborn babies, other dependent family members can be added anytime.
Family Medical Insurance Dubai provides coverage for the entire family. Every family member shall have a separate limit for insurance coverage that can be utilized by them.
No. Family health insurance covers the policyholder, spouse, and dependent children. You need to buy a separate plan to cover senior citizens.
Disclaimer: The Family Health Insurance or plan may have limitations, exclusions, and other terms and conditions that may affect coverage. It is important to carefully review the policy wording before making any decision.