Health Insurance Sharjah
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Overview
Today, health insurance is a necessity and not a choice for people. The massive rise in lifestyle diseases and skyrocketing medical expenses have made it imperative for every family to cover themselves against untoward incidents in the future. A comprehensive health insurance policy safeguards you and your family from financial hardships arising due to medical emergencies.
Health Insurance in Sharjah comes under the purview of the government’s Department of Health Insurance. Previously, only government employees and citizens were provided health insurance by the government. However, the coverage has been extended to all the citizens of Sharjah with effect from January 2020.
Types of Health Insurance in Sharjah
Individual Health Insurance
This plan covers the hospitalisation expenses for a single person only. The individual policyholder can avail of either cashless treatment or reimbursement of expenses.
Family Floater Health Insurance
There is no need to buy a separate policy for every family member. The entire family can now be covered under a single plan if you purchase a family floater cover. These plans are quite comprehensive and affordable.
Group Health Insurance
Employers can offer the benefit of medical insurance to their employees under group health insurance. This covers the medical treatment expenses of employees (and their dependents) till they are associated with the company.
Senior Citizen’s Health Insurance
Individuals above the age of 60 generally require special medical care due to their fragile health. A senior citizen’s health plan is tailored to their requirements and charges relatively higher premiums. Apart from a few private insurers, the Sharjah government also offers health insurance for senior citizens.
What is Covered Under Health Insurance in Sharjah?
The following expenses are covered under medical insurance in Sharjah:
- Inpatient Treatment: This covers all medical expenses if the patient is admitted to a hospital for at least 24 hours. This includes the cost of treatment, surgery, room rent, doctor’s charges, etc.
- Pre & Post-hospitalization Charges: Medical expenses incurred before and after hospitalisation are covered under this head. This may include lab charges, follow-up treatment, and medicines.
- Daycare Procedures: This covers medical treatment or procedures such as chemotherapy, dialysis, cataracts, etc. that do not need overnight hospitalisation
- Outpatient Treatment (OPD): Medical consultation, examination, diagnostic procedures, and pharmacy bills are typically covered under OPD
- Maternity Cover & Newborn Care: This covers pre & post-natal care, delivery expenses, and hospital expenses (if any) for the newborn baby
- Other miscellaneous medical expenses such as specialist consultations, ambulance charges, and the cost of vaccinations are also covered under health insurance.
What is Not Covered Health Insurance in Sharjah?
Health Insurance in Sharjah does not cover the following services:
- Self-inflicted injuries or injuries caused due to a suicide attempt or other unlawful activities
- Pre-existing medical conditions until the completion of the waiting period
- Terminal diseases such as end-stage cancer, HIV, or severe neurological disorders
- Non-essential medical services such as obesity treatment, fertility treatment, or cosmetic surgery
- Injuries caused due to adventure sports or other hazardous activities
- Medical treatment and services provided by unauthorised healthcare providers
- Any undeclared health condition
Note: Health insurance in Sharjah does not typically cover dental and eyecare treatments. However, some insurers provide the same as an add-on cover by charging some extra premium.
Features and Benefits of Health Insurance in Sharjah
The specific aspects of health insurance in Sharjah may vary across insurers and their plans. However, the general features & benefits are as follows:
Cashless Claims
The policyholders can avail of cashless treatment facilities at any of the network hospitals. Medical expenses up to the insured amount will be directly paid to the hospital by the insurance company.
Reimbursement Services
For medical treatments in any of the non-network hospitals, policyholders can pay the bills first and later get reimbursement from the insurer by submitting hospital bills.
Pre & post-hospitalization expenses
(for a fixed number of days) are covered by most health insurance providers in Sharjah.
Coverage for OPD expenses
and daycare procedures helps patients claim health insurance benefits without hospitalisation.
Complimentary medical checkups
are provided to policyholders on a regular basis to help them keep track of their health.
How to Buy Medical Insurance in Sharjah?
Step 1
Visit the official website of Prominent Insurance Brokers. Enter your details in the online health insurance quote form.
Step 2
Once you provide all the required details in this form, click on the ‘Submit’ button.
Step 3
One of our executives will soon get in touch with you. You will be guided by our expert team to buy the best health insurance in Sharjah. You can make the payment online.
You can also click on the WhatsApp icon on this page and chat with our team members. You will be guided step-by-step to buy the policy online.
Frequently Asked Questions about Health Insurance in Sharjah
Yes. It is possible for policyholders in Sharjah to have multiple health plans and get better insurance coverage. These plans can be designated as primary and secondary to set the priority for claims.
Health Insurance in Sharjah enables you to get medical treatment in any hospital across Sharjah. Most policies provide coverage for the entire UAE, and policyholders can choose hospitals in other Emirates, too.
Health insurance typically covers medical conditions that pose some risk to an individual’s health. Hence, non-essential medical services such as cosmetic or infertility treatment are not covered by medical insurance in Sharjah.
Inpatient treatment requires the patient to stay in a hospital bed for at least 24 hours. Daycare procedures need a hospital bed but do not necessitate an overnight hospital stay. Outpatient treatments are routine healthcare services that neither need a hospital bed nor an overnight stay in the hospital.
Disclaimer:
Health Insurance plans 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.