Critical Illness Insurance

Critical illness insurance provides financial protection if you are diagnosed with a specified critical illness. As healthcare costs continue rising in the UAE, having this supplementary health insurance is vital. But where can you buy critical illness insurance? What is the best critical illness insurance company? Read this guide and you will find answers to your questions.

Why Having Critical Illness Coverage Is Vital in the UAE’s Healthcare Environment

Treatment for critical illnesses like cancer, stroke, and heart attack can be extremely expensive in the UAE. With health insurance plans having caps, you may end up paying large medical bills out of pocket. This is why you need to buy critical illness insurance.

Critical illness insurance provides a lump-sum payout to cover treatment costs and loss of income during illness. This financial support is invaluable so you can focus on recovery without worrying about medical bills piling up.

How Critical Illness Insurance UAE Offers Protection and Peace

So, why should you buy critical illness insurance? Critical illness plans in the UAE offer you and your family a safety net. The lump-sum payment can be used for any purpose like alternative treatments, rehabilitation, childcare, or daily expenses.

This brings significant peace of mind during already stressful times. Typically, a critical illness insurance company offers plans with lump-sum payouts up to AED 1 million along with international coverage and premium payment terms as long as 20 years.

Common Policy Terms Of Critical Illness Insurance

Most critical illness policies have a waiting period of 90 days from purchase date before you can make a claim. This can very from one critical illness insurance company to another. Pre-existing conditions diagnosed earlier may be excluded. Insurers outline specific eligibility criteria that your illness must meet for approving a payout claim. For example, a heart attack claim may require specified tests as proof. Going through policy documents is essential to know claim-related terms thoroughly.

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Critical Illness Insurance in the UAE - Compare and buy online

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Best critical illness health insurance companies in the UAE

You can choose from the following critical illness health insurance providers in the UAE:

Al Hilal Takaful / Yas Takaful
Salama Islamic Insurance
Takaful Emarat
Dar Takaful
Noor Takaful
Orient Unb Takaful
Aman Insurance
Abudhabi National Takaful
Adnic
Saico - Daman
Al Buhaira Insurance
Al Ittihad Al Watani
Al Sagr Insurance
Arab Orient

Ascana
Axa
Daman
Dubai Insurance
Emirates Insurance
Fujairah Insurance
National Life And General
Ngi
Oman Insurance
Qatar Insurance
Rak Insurance
Union Insurance
United Insurance
Dnirc

New India Assurance
Medgulf
Oriental Insurance
Arabia Insurance
Metlife
Expacare
Hanser Merkur
Aetna
Allianz
Bupa
Now Health
Morgan Price
Maxhealth
Cigna

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What is critical illness cover?

Critical illness health insurance plans provide you medical cover for long-term and serious illnesses that need expensive medical treatment. There are two ways in which you can avail this cover - you can buy a standalone critical illness insurance plan or you can get the rider cover for critical illness added to your regular cheapest health insurance policy.

Here are some reasons why you should buy health insurance for critical illness -

Helps with advanced medical services
Helps with daily living expenses
Pays for your recovery trips
Pays for transportation expenses

What to remember when buying critical illness health insurance?

You need to keep in mind a few things when you decide to buy any health insurance for critical illness. These points are -

Waiting period
Renewal Age
Inclusions and exclusions of the policy
Age of the individual

How to find the best critical illness health insurance plan?

Here’s how you can compare and choose between critical illness health insurance plans and get the most value for money -

Explore the various plans available
Consider the medical history
Check the sum assured
Provide all the correct details
Compare and choose the best plan

Critical illness health insurance eligibility

There are a few things you need to know about the eligibility of critical illness health insurance plans:

The general age group eligibility for medical insurance in the UAE is between 18 to 59 years. This means that anyone eligible for a normal health insurance cover in UAE is also eligible for critical illness covers.
Keep in mind that not every critical illness will be covered in the plan. There are generally a set of pre-defined illnesses that are covered under a critical illness plan. This pre-defined set may differ as per each insurance provider
Most companies might not offer the same critical illness covers for children and senior citizens. These packages are designed separately for each one.
The illnesses that you are taking a cover for, your age, and any pre-existing conditions also decide the eligibility for the plan. The premium rates can also go higher or lower depending upon these factors.
Insurance companies may have a set of additional eligibility rules and regulations that are applicable on the plans offered. Make sure that you have checked them thoroughly before opting for the plan.

Critical illness health insurance inclusions

Generally depending on the requirement, below benefits or services maybe included in critical health insurance plans:

Kidney failure
Aplastic anemia
Coronary artery bypass surgery
Heart attack
Cancer (up to a specific stage)
Stroke
Coma of specified severity
Major organ transplant
Bone marrow transplant
Major Burns
Lung diseases – final stage
Deafness
Open Heart replacement
Permanent paralysis of limbs
Multiple sclerosis
Loss of speech

Critical illness health insurance exclusions

Some exclusions of most critical illness health insurance plans are given below, these maybe included at an extra premium:

Illness developed due to alcohol, smoking, tobacco, or drug intake
Illness diagnosed when the waiting period is going on
Illness developed due to external or internal congenital disorder
Pregnancy-related conditions
Cosmetic surgery
Dental care treatment
Infertility treatment
AIDS/HIV
Hormone replacement treatment

How to file a claim for critical illness health insurance?

You can file a claim in these 3 easy steps:

Register Your Claim:

You need to begin the process by reporting your claim. To file a claim, you can visit our website and fill out a claim form or call our helpline number 800 765 429.

Provide the Required Documents:

After reporting a claim, you will need to provide the required documents after which the claim will be submitted to the insurance company for approval.

Approval and Processing:

Once you're done with the formalities, you can relax and wait for the claim to be approved and processed.

How to renew critical illness health insurance plans?

Just follow an easy three step process to renew your critical illness health insurance plan

Register for Renewal:

Visit our website or dial our helpline number 800 765 429 to renew your policy. You may be asked to provide your previous policy details like the policy number, its expiry date, and so on.

Pay your Premium:

Complete the payment for the renewal to get your insurance plan renewed.

Receive the Policy:

After making the payment, your policy should renew, and you should receive a digital copy in your inbox.

FAQs

What type of health insurance covers critical illnesses?

A standalone critical illness insurance plan or a rider critical illness cover in your regular insurance plan covers critical ...

A standalone critical illness insurance plan or a rider critical illness cover in your regular insurance plan covers critical illness.

How does the critical insurance plan work?

A critical illness insurance plan is a little different from a regular health insurance plan. It provides a different kind of ...

A critical illness insurance plan is a little different from a regular health insurance plan. It provides a different kind of coverage by including a list of critical illnesses that are not covered in regular health insurance plans. The claim benefits are directly paid to the insured person.