How to Check Medical Insurance Status Online ?
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Introduction to Medical Insurance
The inability to claim insurance benefits amid a medical emergency can drain the family’s life savings or push them into debt. Hence policyholders must check the validity of their policies regularly. A lapsed or inactive policy does not provide any benefit to the policyholders.
Ways to Check Medical Insurance Status Online
With Your Health Insurance Card
This is one of the simplest ways to check your health insurance status. Insurance companies issue a health insurance card to their policyholders at the time of purchase. Most healthcare facilities in the UAE insist upon this card to provide medical services. This card typically contains all the details of your health plan. You can check the status of your policy by presenting this card at the nearest healthcare facility.
With Your Policy Number
Insurance companies allot a unique number called the policy number to every policy they issue. Policyholders can visit the websites of their insurance providers and log in to their accounts using this policy number. After logging in, they can find all the policy details including validity, premium amount due, and the due date of payment. Policyholders can also renew their policies if they are close to the due date.
Through Insurance Aggregator’s Website
Policyholders who have bought health insurance online from an insurance aggregator can check the status of their policies using their website. A request can be submitted online using a customer support link. You can also contact the executives by calling the toll-free number and check the status of your policy.
Using Your Emirates ID
The Emirates ID is the primary identification document in the UAE. It can be used to access a host of government services and undertake transactions such as purchasing medical insurance. Consequently, the Emirates ID can also be used to check the status of your policy online.
You can visit your insurance providers' official portals or mobile applications and log in using your Emirates ID. This helps you check all the details of your policy including its validity status.
How to Check the Health Insurance Status Through Your Emirates ID?
Step 1: Obtain an Emirates ID
An Emirates ID is a key identity document in the UAE. Newcomers must first apply and obtain an Emirates ID. Later, send the policy details and the ID to the insurance provider to enable them to link the two documents.
Step 2: Visit the Insurer’s Official Website
Please visit the official website of your insurer or check their mobile application if they have one. You can contact the insurer’s customer care helpline if you face any difficulty at this stage.
Please log in to your account using your Emirates ID number. You can see all the details of your health insurance policy when you log in and access your account. This number can be found on the front side of your Emirates ID card.
Once you log in to your account using the Emirates ID number, you will be able to check some vital information related to your policy. This includes the following details:
Insurance validity status to know whether the policy is active or not
The insurer’s name, type of insurance, and the validity period of your plan
The features, benefits, and scope of coverage of your plan
Any approval pending in respect of medicines, treatments, or other healthcare services that you availed
A comprehensive list of clinics, hospitals, and diagnostic centers that accept your insurance plan
Your health insurance status can change due to policy renewals, job changes, or other personal factors. Policyholders must exercise care and caution to track these changes and take suitable actions on time. This ensures that you enjoy the maximum benefits from your health insurance plan.
How to Buy or Renew Medical Insurance Policy?
1. Visit the official website of Prominent Insurance Brokers. Enter your details in the health insurance quote form
2. Once you provide all the required details in this form, click on the ‘Submit’ button
3. One of our executives will soon get in touch with you. You will be guided by our team of experts to buy/renew medical insurance. You can make the payment online.
#Note: 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 on Medical Insurance Status
Policyholders can claim all the eligible benefits of health insurance only if the policy is valid and active. Non-renewals or non-payment of dues can result in lapsing of policy and loss of insurance benefits. Policyholders must track their policies and keep them active at all times if they want to claim these benefits during medical emergencies.
Insurance providers in the UAE started linking their policies with the policyholder’s Emirates ID from 2017 onwards. The Emirates ID card can also be used as a health insurance card at clinics and hospitals. This integration between your Emirates ID and health insurance enables you to check the policy status online using your Emirates ID number.
Please contact your insurance provider to check whether they accept requests for policy revival. Otherwise, it is recommended that you purchase a new policy immediately to get uninterrupted insurance coverage.
Disclaimer: The health insurance policy 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.