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Accident insurance vs. Health insurance

Written by Kritika

Getting the best insurance for yourself is a savior. But a lot of times people get confused whether they should get a personal accident insurance plan or health insurance plan. Both have their own specifications and advantages. In case of an emergency, it would be best to utilize your insurance whether that’s health or personal accident. It would reduce the financial brunt that you have to go through for treatment, tests, and maybe even hospitalization. Read on to find what’s the difference between health insurance and accident insurance and which one would be best suited for you. 

There are so many insurance companies in the UAE that offer you customized health plans. You can compare prices and get best quotes for both personal accident as well as health insurance on – https://www.buyanyinsurance.ae/

Top Health insurance provides in the UAE

Given below is the list of some of the top insurance service provides in the UAE –

  • Noor Takaful Health Insurance
  • Aetna Health Insurance
  • SALAMA Health Insurance
  • Takaful Emarat Health Insurance
  • Metlife Health Insurance
  • Cigna Health Insurance
  • Daman Health Insurance
  • AXA Health Insurance
  • RAK Health Insurance
  • Allianz Health Insurance
  • Adamjee Health Insurance
  • Union Health Insurance
  • Aman Health Insurance
  • Al Sagr Health Insurance
  • Orient Health Insurance
  • ADNIC Health Insurance
  • Watania Health Insurance

What is health insurance?

Health insurance is a type of insurance cover that pays for your health and medical expenses. Depending upon the type of health insurance you take, different types of illnesses are covered. It might also include – in-patient treatment, overnight stays in the hospital, and out-patient treatment. You would be required to pay a monthly or annual premium to avail the policy terms.

Different types of health insurance plans available in the UAE 

Insurance service providers across the UAE have different kinds of health insurance plans to suit different needs. You can compare different plans online to know their specifications and key features and then choose the best one based on your budget and requirement.

Individual health insurance plans

The coverage is provided to an individual i.e. policyholder who gets medical benefits as per the premium amount. 

Family health insurance plans

The entire family is covered in these plans including you, your spouse, and children. You can even add your parents to this insurance plan.  

Group health insurance plans

Group health insurance plans are usually for employers who need to provide health insurance to their employees. It is a cost-effective way to provide amazing insurance services to your entire workforce.

Senior citizen health insurance plans

Senior citizen health insurance plans provide coverage to senior citizens, i.e. people above the age of 60 years. At an additional cost, you can get add-ons to this policy for better coverage. 

Critical illness health insurance plans

A critical illness health insurance plan covers major critical illnesses like – cancer, tumor, liver ailments, kidney failure, cardiovascular diseases etc. The premium for this insurance plan can be slightly higher as compared to other insurance plans.

What is personal accident insurance?

Personal accident insurance provides financial aid in case of an accident Under motor insurance, on-road accidents are covered and under health insurance multiple situations that result in injury, disability or death are covered. A lot of people don’t know, but personal accident and health insurance do not overlap and are different kinds of insurance. For complete safety, you need to take both these insurance plans separately.

Difference between personal accident and health insurance

S. NoParameterHealth insurancePersonal accident insurance
1.       Nature of the planFull-fledged coverageProvides add-on covers
2.       Any additional premium required?No, premium is required for base policyYes, additional premium required
3.       Option for add-onsYesNo
4.       Coverage for critical illnessYes, can be bought as add-onNo
5.       Maternity benefitsCan be bought as add-onNo
6.       Types of plansIndividual, group, family, senior citizenCan be bought with Motor and Health insurance plans

Frequently Asked Questions (FAQs)

Can I buy personal accident and health insurance plans from the same insurance service provider?

Yes, you can buy both these plans from the same company.

Which insurance is better – health insurance or personal accident?

Health insurance plans have wider coverage and you can get family health plans for your entire family. But with personal accident insurance, you need to take separate insurance plans for each individual, which may prove to be slightly costly.

How to find the best accident insurance plans?

The best personal accident policy is the one that is the most suitable for your needs. Look for plans that offer complete coverage at the time of need. The insurance company also matters when it comes to claims. Look for an insurer that will help you out without much hassle.

Can I buy health insurance and personal accident insurance online?

Yes, you can buy health insurance and personal accident insurance plans online easily. Visit the insurance service provider’s website or you can compare plans and get instant quotes from BuyAnyInsurance to get the best deal. 

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Originally published Dec 21, 2022 09:12:21 AM, updated Jun 04, 2024

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