Currently having a health plan has become almost a basic necessity, since depending on public service care causes insecurity and spending an immense amount on private hospitals, laboratories and medical consultations in a critical moment of urgency is far from adequate. However, choosing the ideal health plan is not an easy task, even if you live in Dubai. Because there are several insurance companies in Dubai, and each offers different types of health plans, all of them with a wide range of additional options. In addition, the process to acquire a health plan requires a lot of caution on the part of the contractor, both in the financial and bureaucratic scope.
With the intention of helping you choose
the ideal health plan that fits your budget and meets your needs, we have
written this article with 5 tips to use during the search process. Check out!
How to choose the ideal health plan?
1. Define which type of plan is ideal
for you
The first thing is for you to study what
is the best plan for your profile. Would it be an individual, family, business
health plan or a health plan by membership? This point needs to be analyzed
very calmly and carefully, as it makes a total difference from a financial
point of view. After deciding which plan is best for your profile, it is
necessary to check if the health plan in question meets your needs. You will
have to choose between an outpatient, hospital, obstetrics and even dental
health plan. In the case of the hospital health plan, it is important to define
whether you prefer a private room or stay in the infirmary, because this also
changes the monthly amount.
Regardless of the operator chosen, in
compliance with the legislation, coverage of the following services is
mandatory: consultations, exams, treatments, hospitals, laboratories and
prostheses. Be aware of these issues when signing a contract, because the
stricter the compliance with the laws, the more reliable the plan.
2. Pay attention to the monthly fee
The factor that defines the monthly
amount to be paid to the operator of the chosen health plan is the age of the
beneficiary when signing up for the contracted services, so it is important to
pay attention to these details. The most common is that operators charge a
predetermined amount by age, regardless of the use made. But it is important
that you know about the existence of health plans for which you pay fees at the
time of consultations, exams and other procedures, they are called health plans
with co-payment. This type of plan offers a lower monthly fee.
3. Think about the referral network that
you can be served
The referenced network is one of the
most important items, as it directly reflects on the beneficiary's
satisfaction, and what will most affect the price of the health plan. It is
about knowing which hospitals you can attend. More expensive plans will
certainly have more referral hospitals in their network. But it is possible to find
operators that work with lower values and provide quality medical centers. In
addition, the health plan may allow you to be served in a number of places
beyond your municipality, with some offering state and even national coverage.
4. Check for any pre-existing disease
Pre-existing illnesses, that is,
illnesses that existed before the contract was signed, do not allow a health
plan operator to refuse the potential beneficiary. However, it may not
authorize the beneficiary to carry out procedures related to the disease for a
period, or it may add a monthly amount to the payment that is proportional to
this health problem.
5. Find out about passwords and payments
Some medical plans require passwords for
appointments at agreed locations. In addition, it is imperative that you know
how the payment system of your new health plan works. Before closing the
contract, it is essential that you know everything about the service you are
purchasing. The best way to have all the information at hand is to enlist the help
of a health plan broker and talk to beneficiaries of the same agreement. This
will ensure security for contracting the service.
Did you find these tips useful? We hope
so!
