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Upgrading Medical Insurance Mid-Term in the UAE Without Disrupting Your Coverage

Health insurance is a crucial safety net, providing peace of mind and financial protection for individuals and families in the United Arab Emirates (UAE). However, situations may arise where you need or want to change your health insurance provider while your premium is still active. Whether it’s due to changing needs, dissatisfaction with your current insurer, or a better offer on the horizon, switching health insurance companies in the UAE can be a manageable process. In this guide, we’ll walk you through the steps to ensure a seamless transition without disrupting your coverage.

Evaluate Your Reasons for Switching

Before making any decisions, it’s essential to identify the reasons for wanting to switch health insurance providers. Common reasons include:

Dissatisfaction with your current coverage.

Better benefits offered by another insurer.

A change in personal circumstances, such as a new job.

Seeking more affordable premiums.

Access to a preferred network of healthcare providers.

Understanding your motivations will help you make an informed decision and choose the right insurer for your needs.

Research and Compare Insurers

The UAE offers a variety of health insurance providers, each with its own plans and benefits. Take the time to research and compare different insurers to find one that aligns with your requirements. Consider factors such as coverage options, network of hospitals and clinics, premium costs, and customer reviews.

Check Your Policy Terms and Conditions

Review your existing health insurance policy to understand the terms and conditions, including cancellation policies and premium refund options. Some insurers may allow you to cancel your policy and receive a partial refund if you’ve paid for a longer duration. Knowing these details can help you plan your transition effectively.

Secure New Coverage Before Cancelling the Old One

To avoid gaps in coverage, make sure you secure new health insurance before canceling your existing policy. This ensures that you’re continuously protected against unexpected medical expenses.

Inform Your Current Insurance Provider

Once you’ve chosen a new insurer, inform your current insurance provider about your intention to cancel your policy. Follow their procedures for cancellation, which may involve submitting a formal request in writing. Be sure to inquire about any refund options, if applicable.

Coordinate Transition Carefully

During the transition period, coordinate your healthcare needs carefully. Ensure that you understand the start date of your new policy and the end date of your old one. Notify your healthcare providers of the change to avoid billing issues.

Keep All Relevant Documentation

Maintain copies of all correspondence, policy documents, and receipts related to your health insurance transition. This documentation will be essential if any issues or disputes arise during or after the switch.

Conclusion

Changing health insurance companies in the UAE while your premium is live can be a straightforward process when approached with careful planning and consideration. By understanding your motivations, researching new insurers, and coordinating the transition effectively, you can ensure uninterrupted coverage and potentially enjoy improved benefits with your new policy. Always remember to read the fine print, communicate with both insurers and keep records to navigate the process smoothly.

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Checklist before buying a Car Insurance in UAE

Buying car insurance in the UAE, or any other country, is an important decision. It’s essential to ensure that you have the right coverage to protect yourself and your vehicle in case of accidents or other incidents.

Here’s a checklist of things to consider before purchasing car insurance in the UAE:

Understand Your Needs:

Determine the type of coverage you need. This can include comprehensive, third-party liability, or third-party fire and theft coverage.

Research Insurance Providers:

Look for reputable insurance companies in the UAE. Read reviews and consider recommendations from friends or family.

Compare Policies:

Obtain quotes from multiple insurance providers to compare coverage options and premiums. Many insurance companies in the UAE offer online calculators to help with this.

Coverage Limits:

Understand the limits of your coverage, including liability limits, coverage for your vehicle, and any additional coverage options (e.g., roadside assistance, rental car coverage).

Excess (Deductible):

Know the amount of excess (deductible) you’ll have to pay in the event of a claim. Higher excess can reduce your premium but will require more out-of-pocket expenses when you make a claim.

Policy Duration:

Decide on the policy duration, whether you want annual coverage or something shorter. Longer-term policies often have lower premiums.

Policy Terms and Conditions:

Thoroughly read and understand the terms and conditions of the policy, including any exclusions.

Add-Ons and Extras:

Determine if you need any additional coverage or add-ons, such as coverage for personal belongings or agency repair coverage.

Policy Renewal Process:

Understand the renewal process, including the timeline for renewing your policy and any requirements.

Payment Options:

Check the available payment methods (annual, semi-annual, monthly) and choose the one that suits your budget.

Claim Process:

Familiarize yourself with the insurance company’s claim process. Know what to do in case of an accident or damage to your vehicle.

Customer Service:

Assess the quality of customer service and support provided by the insurance company. Good customer service can be essential when you need to make a claim. 

Discounts and Promotions:

Inquire about any discounts or promotions the insurance company may offer, such as safe driver discounts or multi-car discounts.

Legal Requirements:

Ensure that your chosen car insurance policy complies with all legal requirements for car insurance in the UAE.

In conclusion, purchasing car insurance is not just about finding the cheapest option but about obtaining adequate coverage for your needs. Take your time to research and make an informed decision that suits your budget and provides peace of mind while driving in the UAE. For more information and get a quote visit our website www.insurancepolicy.ae.

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Six Essential Reasons to Embrace Travel Insurance in UAE

As you gear up for your next voyage, don’t underestimate the significance of travel insurance in UAE. This protector might just be the key to turning travel uncertainties into manageable situations. Here are six compelling reasons why securing travel insurance – whether online or in person – deserves a prime spot on your pre-travel checklist.

Medical Safety Net

Although contemplating illness or injury during a vacation is disheartening, it’s an unfortunate reality. Medical treatments in foreign lands can be financially burdensome and overwhelming. Getting travel insurance in Dubai through reputable insurance companies can ensure you receive quality medical attention without the weight of steep medical bills.

Trip Disruptions Managed

Life’s curveballs can disrupt even the most meticulously planned trips. Trip cancellations due to unforeseeable circumstances, such as family emergencies, natural disasters, or personal matters. Getting insurance for your travel steps in by covering costs linked to trip cancellations and interruptions, permitting the recovery of nonrefundable expenses.

Lost Luggage? No Problem

Picture arriving at your dream Dubai destination only to discover that your baggage has gone missing or is delayed. This can disrupt your plans and lead to inconvenience. By securing insurance, you gain compensation for lost luggage or essential items, enabling you to continue your voyage with peace of mind.

Flight Delay Assistance

Flight delays are a travel reality. Travel insurance in Dubai helps by covering unforeseen expenses during extended layovers, ensuring your comfort is maintained. It extends coverage for accommodation, meals, and other essentials during unanticipated flight delays.

Offering Adventure and Sports Coverage

If you’re an adventurous traveler looking to engage in thrilling activities like skiing, scuba diving, or bungee jumping, insurance can offer coverage tailored to these activities. It ensures that you’re protected in case of accidents or injuries related to adventure sports.

Providing Peace of Mind

Perhaps the most valuable benefit of all, insurance grants you peace of mind. Knowing that you’re financially safeguarded against unexpected events allows you to fully immerse yourself in your travels, confident that you’re prepared for whatever comes your way. Book your insurance online to avoid inconvenience and save time as well.

In conclusion, though travel insurance might seem like an additional expenditure, it’s a modest price to pay for the sense of security and serenity it affords during your journeys. From unforeseen medical emergencies to travel disruptions, misplaced baggage to flight delays, travel insurance companies have you covered. As you prepare for your next escapade, allocate time to explore the range of  insurance options available, and compare offerings from different insurance companies.

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Health insurance costs in the United Arab Emirates (UAE) can vary depending on several factors. This includes the type of plan, coverage level, age of the insured, and pre-existing medical conditions.

Here are some key points to understand health insurance costs in the UAE:

Coverage Level & Type of Plans:

Health insurance premiums in the UAE are typically paid annually and the cost of premiums depends on the coverage level and type of plan. Basic plans with limited coverage are usually less expensive, while comprehensive plans with broader coverage and additional benefits tend to be more expensive. The premiums also depend on the age of the customer and whether they have any chronic conditions.

Deductibles and Co-insurance:

Deductibles and co-insurance are additional costs that the insured may need to pay when receiving healthcare services, depending on the type of plan chosen. A deductible is a fixed amount that the insured pays for each visit or service, while co-insurance is a percentage of the total cost of the service that the insured needs to pay. These costs can vary depending on the plan and provider.

Network Coverage:

Health insurance plans in the UAE may have network restrictions, which means that coverage is only provided at specific hospitals or clinics. If the insured seeks medical care outside the network, they may need to pay higher costs or the entire cost of the service out of pocket. It’s important to understand the network coverage and associated costs when choosing a health insurance plan.

Age and Pre-existing Conditions:

Health insurance costs in the UAE can also vary based on the age of the insured and any pre-existing medical conditions they may have. Older individuals or those with pre-existing conditions may face higher premiums or additional coverage restrictions, depending on the insurance provider.

Additional Benefits:

Some health insurance plans in the UAE may offer additional benefits, such as enhanced maternity coverage, branded drug coverage, and dental or vision coverage. These benefits can add to the overall cost of the insurance.

Insurance Provider:

Different insurance providers in the UAE may offer varying costs for health insurance plans. It’s important to compare quotes from different providers and insurance companies to understand the coverage. Also the costs associated with each plan to make an informed decision. Plans from the same network provider and with same benefits have different rates in different insurance companies.

It’s crucial to carefully review and understand the terms and conditions. The coverage, and costs associated with a health insurance plan in the UAE before making a decision. It’s recommended to consult with a qualified insurance professional or insurance broker to understand the costs and premium details.

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Health insurance is a crucial aspect of living a secure and healthy life, regardless of where you are in the world. In the United Arab Emirates (UAE), health insurance is mandatory for all citizens and residents. However, navigating the ins and outs of health insurance can be challenging. In this blog post, we’ll address some common questions about medical insurance in the UAE to help you better understand the system and make informed decisions.

Is health insurance mandatory for everyone in the UAE?

Yes, health insurance is mandatory for all citizens and residents of the UAE. The government has made it a legal requirement to have health insurance coverage to access healthcare services in both the public and private sectors.

What is the basic health insurance plan in the UAE?

The basic health insurance plan in the UAE is known as the Essential Benefits Plan (EBP). It is designed to provide essential healthcare coverage to all citizens and low-income residents. The EBP offers coverage for essential services and treatments, including consultations with general practitioners and specialists, emergency care, diagnostic tests, and inpatient treatments.

Can I choose a Comprehensive Health Insurance plan instead of the EBP?

Yes, if you are a resident in the UAE and your salary exceeds a certain threshold (determined by each emirate), you have the option to choose Comprehensive Health Insurance plans provided by approved insurance providers. These private plans offer a broader range of coverage and additional benefits, such as access to a wider network of hospitals and clinics.

How do I select the right health insurance plan for my needs?

Choosing the right health insurance plan depends on various factors, including your budget, specific healthcare needs, and preferred hospitals or clinics. Consider the coverage options, network of healthcare providers, annual premiums, and any additional benefits before making a decision. It’s advisable to compare different plans and seek advice from insurance brokers if needed.

Does health insurance cover pre-existing conditions?

Health insurance plans in the UAE do not cover undeclared pre-existing conditions (PEC). A pre-existing condition is a health issue that you had before obtaining the insurance. Such conditions need to be declared in order for them to get covered. Whenever any condition is declared insurance company will ask for an additional loading premium to cover the PEC.

Can I use my health insurance outside the UAE?

It depends on your health insurance plan. Some Comprehensive Health Insurance plans may offer international coverage, allowing you to access healthcare services abroad. However, the extent of coverage and specific conditions may vary, so it’s essential to check with your insurance provider about international coverage details.

How do I make a claim with my health insurance?

Mostly all the plans cover direct billing inside their network list. To make a reimbursement claim, you typically first need to check if your plan covers reimbursement claims for out-of-network claims. Provide the necessary documents, such as medical receipts and invoices, to your insurance provider. Most insurance companies have online portals or mobile apps to facilitate the claims process, making it convenient and efficient.

Conclusion:

Understanding health insurance is essential for ensuring you have access to quality healthcare when you need it. Whether you opt for the mandatory Essential Benefits Plan or a Comprehensive Health Insurance plan, knowing the details and asking the right questions will help you make well-informed decisions about your health coverage. Remember to compare plans, consider your specific needs, and consult with insurance experts to find the best fit for you and your family’s health insurance requirements in the UAE.

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While the chore of renewing your car insurance might rank low on your priority list. The intrinsic value of automobile insurance often becomes evident amidst the bustling streets of the UAE. As your Mulkia approaches its expiry date, here are some valuable tips to ensure a hassle-free renewal from the best car insurance providers in UAE, a process that not only saves you time and money but also provides you with the right coverage for your needs.

Begin Early, Travel Securely:

Don’t wait until the last moment to go for the passing of your car. Begin the process well in advance to avoid any coverage gaps. It’s not just about renewal; it’s about continuous protection on the roads.

What  is  no claim  Discount

A discount incentive given for each year without a claim is known as a no claim bonus in the context of auto insurance. Your no claim benefit increases the longer you go without making a claim. You can lower your premium rate by using your no claim incentive.

Compare car insurance quotes:

In the UAE, the car insurance market is competitive, giving you an advantage. Instead of blindly renewing your current policy, take the time to gather quotes. Compare not only the premiums but also the coverage levels, add-ons, and customer service ratings.

Insurancepolicy.ae is one of the most popular online insurance portals, dealing in the best car insurance, health insurance, property-insurance, and life insurance in UAE. This step can help you discover better deals that suit your requirements.

Thoroughly Review Your Policy:

Before renewing, take a closer look at your current policy. Could you get discounts? Make sure your policy matches your needs now, so you don’t pay for things you don’t need or miss out on important protections. There may be some add-on covers that you may not require.

 Think About the Deductible (Excess):

The deductible is the money you pay if you have a claim. This option is not available in individual policies.

Look into Inclusion & Details:

Some insurers offer deals where they provide free car wash, orange card for Oman, or free rent a car.

One needs to look closely at the Table of Benefits and check what is included as you can save money by using these additional benefits.

Embrace Technology:

Many car insurance companies in the UAE have websites for renewals. Use these sites to make things easy. You can upload documents, pay, and manage your policy online.

Get Professional Advice from insurance experts:

If you’re not sure about something in your renewal, ask insurance experts or agents. They can help you understand tricky terms and make smart choices. Insurancepolicy.ae is amongst the leading online insurance portal in UAE.

What will happen if renewal is not done on time?

Driving without valid insurance is illegal in most jurisdictions, including the UAE. If you are caught driving without valid insurance, you could face fines, penalties, or even legal action. Your vehicle may be impounded, and your driving license may be suspended.

How claims reported are treated for fault liability and no-fault liability without insurance?

Fault – If you are involved in a car accident where you are at fault and you don’t have car insurance, you could be held personally liable for the damages and injuries resulting from the accident. In such cases, you would be responsible for compensating the third party/parties for their losses, including property damage, medical expenses, and other related costs and court trial.

Non-Faulty – Meanwhile in a no-fault liability system, if the cause of the accident is not due to your fault (receives a green slip from police), you have to check with the Liable Party Insurance Company eventually for registering the claim.

List of police fines

You can find the full list of fines for traffic violations —here—

Additional fines for RTA for delayed registration

You have a grace period of 30 days after the car’s mulkia expiry date subject to AED 25 each month for the delay.

Having good group medical insurance in UAE is important for several reasons:

It attracts and retains employees: Offering a good group medical insurance plan can be a powerful tool for attracting and retaining employees. It shows that you value their health and well-being and are willing to invest in their future.

It provides financial protection: A good group medical insurance plan can provide financial protection for both the employer and the employee. It can help cover the costs of unexpected medical expenses, which can be a significant burden on an employee’s finances.

It promotes productivity: When employees have access to good medical care, they are more likely to stay healthy and productive. This can help reduce absenteeism and improve overall productivity.

It meets legal requirements: In some countries, including the UAE, providing medical insurance for employees is a legal requirement. A good group medical insurance plan can help ensure that you are meeting your legal obligations as an employer.

It boosts morale: When employees feel that their employer cares about their well-being, it can boost morale and create a positive work environment.

Overall, having a good group medical insurance in UAE is important for the well-being of both the employer and the employee. It provides financial protection, promotes productivity, meets legal requirements, and boosts morale.

Deals and Plans in Group Medical Insurance

There are several group medical insurance plans and deals available in the UAE. Here are some options to consider:

Daman Health Insurance: Daman offers group medical insurance plans that can be tailored to meet the specific needs of your business. Their plans include coverage for inpatient and outpatient treatments, emergency medical services, and more.

Dubai Insurance Company: Dubai Insurance Company provides group medical insurance plans that offer coverage for inpatient and outpatient treatments, maternity benefits, emergency medical services, and more.

Oman Insurance Company: Oman Insurance Company offers group medical insurance plans with options for coverage that includes inpatient and outpatient treatments, maternity benefits, dental care, and more.

Metlife Insurance: Metlife Insurance provides group medical insurance plans that can be customized to fit the needs of your business. Their plans include coverage for inpatient and outpatient treatments, maternity benefits, dental care, and more.

Aetna International: Aetna International offers group medical insurance plans for businesses with employees located in multiple countries. Their plans provide coverage for inpatient and outpatient treatments, emergency medical services, and more.

It is important to compare the benefits, coverage, and costs of each group insurance plan before making a decision. Consult with a licensed insurance broker or agent to help you navigate your options and choose the best plan for your business.

To get GROUP INSURANCE FOR EMPLOYEES IN DUBAI, follow these steps:

Identify your insurance needs: Determine what type of coverage your employees need. Common types of group insurance plans include health insurance, life insurance, and disability insurance.

Research insurance providers: Look for insurance companies in Dubai that offer group insurance plans. You can do this by searching online, asking for recommendations from other business owners, or consulting with an insurance broker.

Get quotes: Contact the insurance providers you have identified and request quotes for their group insurance plans. Be sure to provide them with the necessary information about your business and your employees.

Compare plans: Review the quotes you receive and compare the benefits, coverage, and costs of each plan. Consider the deductibles, copayments, and premiums.

Choose a plan: Once you have compared the plans, choose the one that best meets the needs of your employees and your budget.

Enroll your employees: Once you have chosen a plan, enroll your employees in the group insurance plan. Provide them with information about the plan and how to use it.

Monitor and renew the plan: Monitor the plan to ensure that it continues to meet the needs of your employees. Be sure to renew the plan before it expires.

It is recommended that you consult with an insurance broker in UAE to help you navigate your options and choose the best plan for your business. They can also assist you in enrolling your employees and managing the plan.

Also Read:

Group Medical Insurance in UAE – Eligibility, and Benefits

Choosing the Right Group Health Insurance for Your Company 

Tips To Buy A Group Health Insurance Policy in UAE

Life Insurance is for every individual who cares for his family and wants to give financial security to his family. The primary advantages are: The family can stop paying premiums immediately and get the insured sum as per the chosen plan. Some plans (term plans) give a complete payout in a single go, while investment-type plans are received as monthly/yearly payments for fixed years.

Buying life insurance is not rocket science. It is plain commonsense. Based on your perception of your family’s needs, you can choose the right plan easily.

Compare Life Insurance in UAE

Broadly life insurance plans are of two types – term life insurance plans and investment-linked plans. Both give advantages in different ways.

Term Life Insurance in UAE is the simplest plan. In this plan, you pay the buyer of insurance pays a fixed amount monthly or annually. This amount is known as a premium. The premium you pay determines the payout if the insured dies prematurely. There is an upper age limit up to which this type of insurance can be bought. The age limit might vary from one insurance company to another. Term Life insurance policies for individuals and families give good cover.

Life Insurance Policy Linked to an Investment Plan

In Term Life Insurance, there is no payout or financial incentive unless death occurs. Linked life insurance policy on the other hand gives the insured a maturity bonus in addition to a payout if the insured outlives a predetermined period (usually years).

The advantage for the family is they don’t have to pay premium money if the insured dies. The family gets the payout money. There are so many variants in investment-linked life insurance, and to optimize your returns, you must talk to a life insurance broker in Dubai or other places in UAE.

The UAE’s Golden Visa program is designed to provide long-term residency to eligible individuals and investors. They have to meet certain criteria, such as purchasing real estate or starting a business in the country. As part of the requirements for obtaining a Golden Visa, individuals may need to provide proof of health insurance coverage.

There are several insurance companies in the UAE that offer Golden Visa insurance policies. They typically provide comprehensive health coverage for the visa holder and their dependents. These policies may include coverage for medical consultations, hospitalization, emergency care, and prescription medications, among other benefits.

Choosing the suitable health insurance policy for Golden Visa

When selecting a Golden Visa insurance policy, it is important to carefully review the coverage terms and conditions. This will help us to ensure that the policy meets your specific needs and requirements. You may also want to consider factors such as the insurance provider’s reputation, customer service, and claims processing procedures.

Some of the insurance companies that offer Golden Visa insurance in the UAE include AXA, Daman, Oman Insurance, and Dubai Insurance, among others. It is recommended that you research and compare different policies and providers. Then make a decision to ensure that you are getting the best coverage and value for your needs.

For individuals applying for a Golden Visa in the UAE, it is often a requirement to have a health insurance plan that provides comprehensive coverage. There are several health insurance plans available that are designed to meet the specific needs of the applicants. It is important to choose a plan that offers the right level of coverage and benefits for your individual situation.

Here are some health insurance plans in UAE that may be suitable for Golden Visa applicants in the UAE:

DHA (Dubai Health Authority) Essential Benefits Plan – This is a basic health insurance plan that provides coverage for essential medical services. This includes emergency treatment, consultations, and some diagnostic tests. It is a mandatory requirement for all Dubai residents, including Golden Visa holders.

Enhanced health insurance plans – These plans offer more comprehensive coverage and benefits than the basic DHA plan, including coverage for inpatient and outpatient treatment, prescription medications, maternity care, and more.

International health insurance plans – These plans offer coverage both inside and outside of the UAE. This making them a good option for individuals who travel frequently or who want the flexibility to seek medical treatment outside of the country.

Corporate health insurance plans – Some companies offer health insurance plans to their employees, which may also be available to Golden Visa holders who work for those companies.

When selecting a medical insurance plan for your Golden Visa, it is important to carefully review the coverage terms and conditions to ensure that the plan meets your specific needs and requirements. You may also want to consider factors such as the insurance provider’s reputation, customer service, and claims processing procedures.

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If you are planning to apply for an investor visa in the UAE, it is important to consider obtaining health insurance coverage. The UAE government mandates that all residents, including those on investor visas, must have health insurance coverage.

How to get health insurance for an investor visa in U.A.E?

To obtain health insurance for an investor visa, you can choose from a range of private health insurance providers in the UAE. These providers offer a variety of health insurance plans with different levels of coverage and benefits, including coverage for hospitalization, outpatient services, maternity, dental, and vision.

When choosing a health insurance plan, it is important to consider your personal healthcare needs, as well as the requirements of the UAE government. Some health insurance plans may have exclusions or limitations on certain medical conditions or treatments, so it is important to carefully review the plan details before making a decision.

Additionally, it is important to ensure that your health insurance coverage meets the minimum requirements set by the UAE government. The minimum coverage requirements may vary depending on the emirate in which you reside, so it is important to check with the relevant authorities or your insurance provider to ensure that you have adequate coverage.

Overall, obtaining health insurance in UAE is an important part of the investor visa application process in the UAE. It can provide you with peace of mind and protect you from unexpected healthcare costs.

Here are some tips to help you find the right health insurance for your investor visa in the UAE:

Determine your healthcare needs: Consider your personal healthcare needs and those of your family members. Determine the type of coverage you require, such as hospitalization, outpatient services, maternity care, dental and vision, and prescription drugs.

Compare insurance plans: Research and compare health insurance plans from different providers. Look for plans that offer comprehensive coverage, competitive premiums, and a wide network of healthcare providers.

Check the insurer’s network: Make sure that the insurance provider has a network of healthcare providers and hospitals. This can help you avoid unexpected out-of-pocket expenses if you visit an out-of-network provider.

Check the policy details: Read the policy documents carefully to understand the coverage details, exclusions, and limitations. Make sure that the policy meets the minimum requirements set by the UAE government for health insurance coverage.

Consider the cost: Look for a policy that fits within your budget, but doesn’t compromise on the quality of coverage. Remember that the cheapest policy may not always provide the best coverage.

Seek advice: Consult with an insurance broker or a trusted advisor to help you select the right policy that meets your healthcare needs and budget.

By following these tips, you can find the right health insurance plan for your investor visa in the UAE

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Travel insurance provides coverage for various risks and expenses that may arise while traveling. The coverage may include medical expenses, trip cancellations or interruptions, loss of baggage or personal belongings, and other unforeseen events.

If you are planning to travel during the Eid holidays, it is a good idea to consider purchasing travel insurance in UAE. Travel insurance online can provide coverage for a range of risks and unexpected events that may occur during your trip.  As always, it’s important to shop around and compare policies from different insurance providers. This helps to find the best coverage for your needs and budget.

In the UAE, travel insurance is generally provided by insurance companies and can be purchased either online or through a travel agent. The cost of travel insurance in the UAE will depend on various factors such as the duration of the trip, the level of coverage required, the destination, and the age of the traveler.

Some popular travel insurance providers in the UAE include Alliance insurance, DNIRC, Al Wathba, Tokio Marine, Orient, AXA, RSA, and Zurich. It is recommended to compare the policies and prices of different providers before making a decision to purchase travel insurance.

During the Eid holidays, people from the UAE often travel to different countries.

Here are some of the popular destinations that people fly to from the UAE during Ramadan & for Eid Al Fitr  Holidays:

Saudi Arabia: Many Muslims from the UAE travel to Saudi Arabia during Ramadan to perform the Umrah pilgrimage to the holy cities of Mecca and Medina.

Turkey: Turkey is a popular destination, as it offers unique Ramadan experiences and a chance to explore the country’s rich Islamic heritage.

Egypt: Egypt is another popular country, with many travelers visiting Cairo to experience vibrant cultural celebrations and historic mosques.

Morocco: Morocco is also a preferred travel destination for people from the UAE during Ramadan, for its historic traditions.

Jordan: Jordan is known for its tourist sites, including the ancient city of Petra. It is also home to some important Islamic sites such as the Maqam al-Nabi Musa & the Al-Hussein Mosque in Amman.

Malaysia and Indonesia: These two countries are popular destinations for people from the UAE during Ramadan, as they have large Muslim populations and offer unique cultural experiences during the holy month.

Schengen Countries If you are planning to travel to one or more countries in the Schengen area, you will need to have travel insurance for Schengen visa. Travel insurance is mandatory for visitors to the Schengen area. It provides coverage for medical expenses and emergency medical care during your stay.

These are just a few countries that people from the UAE tend to fly to during the Eid Al Fitr holidays.

Other destinations in Asia, Europe, and Africa may also be popular during this time.

 When purchasing travel insurance in Dubai for the Eid Al Fitr holidays, here are some things to consider:

Trip Cancellation/Interruption Coverage: Make sure your travel insurance policy includes coverage for trip cancellation or interruption. In case your travel plans are disrupted due to unforeseen circumstances this will help to prevent financial loss.

Medical Coverage: Check to see if your policy provides coverage for medical emergencies and hospitalization while you are traveling. Some policies may also cover pre-existing medical conditions, so it’s important to check the policy details carefully.

Luggage Coverage: Look for a policy that provides coverage for lost, stolen, or damaged luggage during your trip.

Destination Coverage: Make sure your travel insurance policy covers the specific destination(s) you will be visiting during your trip.

Policy Exclusions: It’s important to understand any exclusions or limitations of your policy. Some of them are as adventure activities, sports, or activities with a higher risk of injury. So you can make informed decisions during your trip.

Reasons to Buy Life Insurance and Types of Coverage, A Comparison

Life is unpredictable. People face risks when traveling in buses, cars, trains, ships, and aircraft. There are also other risks such as premature death due to Illness and life-threatening hazards like fire, drowning, and factory mishaps. When an individual passes away, the person’s family is severely affected, not only emotionally but also financially. His family will go without the income he brings every month.

The smartest thing that every breadwinner should do is buy a Life Insurance in his name. This will ensure a smooth life for his or her family for a long time even after his death. The compensation received under a life insurance policy can be invested by the deceased’s family to get a reasonable monthly income. There are many different types of life insurance policies for individuals and families offered by insurance brokers in the UAE.

Before Buying, Compare Life Insurance in UAE

Depending on your family size, age, and affordability, you can choose a term life insurance. To compare life insurance in UAE, visit a life insurance broker in UAE. They offer 5 plans.

Whole life insurance – As the name says, it is for the entire life. It will provide cover until you turn 99, enough for most people. You get a payout when you attain 99. The payout, also known as the sum assured, will depend upon the premium the insured pays. These types of insurance have level premiums and savings components.

Term Insurance – The main feature of term insurance is simplicity. It is also cost-effective. It gives the best possible financial security to the family of the dependent for a predetermined period. The period of coverage for the beneficiary and the payout amount are part of the contract.

Endowment Insurance – These types of life insurance policies are also known as money-back policies. It is helpful for those who want life coverage and an assured return after a certain period. It is a double advantage because the money you pay as a premium over the period mentioned in the policy is returned along with a decent return on investment

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Why  Comprehensive Employee Group Medical Insurance is Important for your Business in UAE?

Employees and workers are the most valuable assets of a business. If your business is located in the UAE, it is obligatory for you to take medical insurance for employees in UAE. Instead of covering each employee with a separate policy, your company can choose to buy group medical insurance and provide medical insurance protection to all of them.

What is Group Medical Insurance? 

Group medical insurance is employer-initiated health coverage protection for its employees. The cost of buying group medical insurance in UAE as against individual policy is cost-effective for the company. Because the cost is distributed among a large number of members. Places like Dubai, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah are some of the major centers where native and foreign businesses operate on a large scale. If you are operating here, get insurance for your employees; it is important.

What Benefits do You Get?

You can provide comprehensive group insurance for employees in Dubai and other cities of the UAE. When your company buys group insurance for your employees, all eligible medical expenses will be borne by the insurance company at good medical facilities. The benefit is your company’s finances will not be strained.

Your employees will get cashless treatment at the hospital. You or your patient-employee do not have to pay cash during cashless treatment. The advantage is that the patient or his family can concentrate on their regular work. It will save your employees from the hassles associated with borrowing money and paying interest on it.

The expenses incurred include ambulance hire, pre- and post-operative medical bills, medicine purchases, expenses incurred during the recovery process at home, and nursing costs covered.

Multiple Plan Options

Depending on what medical exigencies you foresee, you can choose the right plan. Our expert advisors can advise what is best for you, based on your risk perceptions and statutory minimum requirements.

Here are three great  medical insurance plans for employees in the UAE

Basic Plan – provides annual coverage of up to AED 150,000 for medical requirements, maternity coverage for female employees, and treatment under the alternative medicine system. It costs just AED 525; taxes are extra.

Enhanced Plan – Get everything included in the basic plan plus coverage up to AED 250,000 for the medical requirement. You will also get direct access to specialists. Premiums for this plan start from AED 1,200.

Comprehensive Plan – Get medical services at world-class hospitals, and international insurance. Premium starts at AED 3,000 including dental insurance.

Group Medical Insurance not only protects the company from financial losses due to unexpected health problems that afflict its employees but also raise the employees’ morale. The investment that companies make will return back multiple times in the form of higher productivity and loyalty.

Taking out group health insurance in the UAE requires expert knowledge, which we specialize in. To get the best benefits, talk to our insurance advisors. A small investment in it can result in higher employee productivity.

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Fleet Insurance Policy in UAE – Brief Explanation

The United Arab Emirates has a thriving economy. Construction, HVAC, Oil & Gas, Engineering, Landscape, Equipment Dealers, Security, Food & Service, Pest Control, Hospice, Hospitals, pharmaceuticals, Education, and Universities are some of the major sectors operating here. They depend on commercial vehicles such as buses, taxis, trucks, ambulances, earth-moving equipment, mining, tankers, and road layers to keep their business up and running.

Operating commercial vehicles pose risks to drivers, the public, and travellers. Accidents are quite common on the road, at construction sites, and also within company premises. In the event of an accident, the owner has to assume responsibility for the accident. He becomes liable to compensate everyone involved for medical expenses and loss of life. To protect themselves, the owner should buy insurance in UAE for all their vehicles. This is mandatory under the law.

Where two or more vehicles are owned by the same company or by an individual, they can choose to buy a fleet insurance policy instead of buying vehicle insurance for each vehicle separately.

To be eligible to buy fleet insurance, the owner or company must own at least three commercial vehicles and get them covered under a single policy. This is the law in UAE.

Fleet Insurance in UAE – Vehicle Types, some examples 

Almost any type of vehicle can be grouped to buy Fleet Insurance in UAE. Here are a few types of groups for buying fleet insurance.

Cars, motorcycles, scooters, and buses used for transporting passengers – either leased out or for the company’s self-use

Group the vehicles based on their use – for transporting passengers or goods, company employees or tourists visiting the UAE

Heavy vehicles used in construction sites, laying of roads, digging trenches, laying pipelines, or carrying special equipment & machinery

Fleet Insurance in UAE – Policy Types

There are two major types of Fleet Insurance Policy in the UAE – Third-Party Liability and Comprehensive policy.

A third-party liability policy covers liabilities due to bodily harm caused by your vehicle. It will indemnify you or your company from paying any liability to the affected. It will also cover liabilities arising out of death and loss to the property of a third party when your vehicle is involved in an accident.

As the name says, Comprehensive Policy covers all liabilities. It covers everything in third-party liability in addition to liabilities arising due to natural calamities, man-made disasters, damages to your vehicle (repairing charges), and any other liabilities as mentioned in the policy document.

Best Place to Buy Fleet Insurance in UAE

Top companies and business owners located in Dubai, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah, in the U.A.E; can buy a fleet insurance policy from InsurancePolicy.ae platform owned by Platinum Insurance Broker LLC.

General insurance is a form of insurance that covers non-life assets related to travel, homes, cars, and other properties. The main types of general insurance are life, property and casualty, health, and personal lines. General insurance covers these items in the event of an accident or natural disaster.

General insurance is usually sold by companies that specialize in this type of coverage. You can buy the coverage from an agent who specializes in selling this type of coverage or through an online broker.

Top Reasons to Buy General Insurance Online 

General insurance is a category that covers a wide range of risks. The best way to buy general insurance online is by getting quotes first. Quotes are usually free and can be used to compare prices and coverage options.

If you have a car, it’s also a good idea to get an auto insurance quote. You may be able to save up to 30% on your car insurance policy by getting quotes from different companies.

There are many websites that offer quotes for general insurance, but not all of them are trustworthy. When buying general insurance online in UAE, it is important to make sure the website you’re using is authorized by the government and has been reviewed by customers.

4 Things You Should Know When Buying General Insurance Online

For many people, shopping for insurance is a daunting task. One of the most common questions people ask is: “How do I know if I’m getting the best deal?”

The following are five tips to help you make an informed decision when buying general insurance online.

Get quotes for insurance online for free 

You can get a free quote for your home and auto insurance from different agents online by filling out the form with your information.

Compare the premium rates of different insurers 

Insurances are not one size fits all and it is important to compare quotes from different companies before buying the policy to make sure that you are getting the best deal for your needs.

Shop around for better deals 

There are many benefits of buying general insurance online in UAE such as saving time, getting a cheaper rate, and finding a better package of coverage for your needs. You can always look around and shop for much better deals.

Check your Claim Records

Insurance companies believe that if you have a history of not filing claims for a predetermined number of years, you are a better risk for them. As a result, they become more eager to get your business and offer you a discount to purchase their insurance.

Therefore, the next step is to demonstrate to the insurance provider that you have the claim-free for a particular number of years.

How To Compare Insurance Quote 

One of the most important decisions you can make is to buy general insurance online. Some of the best online general insurance deals can be found if you know what to look for. The first step is to find a company that offers online general insurance. You will find many sites that can help you compare the prices of different providers and policies.

Insurance Comparison websites are great because they allow you to search for your desired coverage, such as car insurance or home insurance, and then see which providers offer it at the lowest price. You can also conduct a search on Google or use an aggregator site like Compare the Market. There are many different types of general insurance. I, so it’s important to understand what you need before you start looking for providers. These sites will show you all of the different options with their prices so that you can choose what best suits your needs.

Choose the Best Deal

The next step is to compare prices for each provider that offers your desired type of insurance. You should also take into account any discounts offered and any other terms and conditions that may apply when choosing which insurer is best for you.

Once you have zeroed down on your options you can go on and make the purchase. This way you have saved time, money, and effort!

At insurancepolicy.ae, our qualified and experienced insurance advisors will work closely with you in order to address your individual challenges and find solutions to ensure you have the options, information, and clarity to make the best insurance decision possible that ultimately supports your mission and goals.

Insurancepolicy.ae is a platform provided by Platinum Insurance Broker LLC, a trusted insurance broker in the UAE.  We offers a comprehensive range of insurance packages for cars, health, travel and general insurance.

Travelling, especially long distances for pleasure or for business brings with it risks in many forms and we need travel insurance. Air and sea travel are not alone when it comes to risk exposure – your safety is equally at risk even when you travel by road, stay in a hotel, or eat food in a restaurant when you travel to locations in other continents and countries.

There are several influential factors that made travel insurance mandatory. For every traveller in Dubai and other major cities like Abu Dhabi, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah in UAE, travel insurance is a simple solution to protect against trip interruptions, cancellations, emergency evacuations, accidental deaths, and loss or damage to luggage or personal possessions

It is also important to buy insurance that cover for expensive cameras, cash, jewelry, and mobile phones that are easy targets for mugging. It is therefore important to buy travel insurance in Dubai itself before you board an aircraft or a passenger ship.

High-priority Travel Insurance in Dubai for Travelers

Here are 4 high priorities to include in the insurance coverage that every traveller must have.

Baggage and personal belongings theft/loss in a foreign country

Medical expenses due to infection, bodily attack, or automobile accidents

Repatriation expenses due to political problems

Expenses due to flight delays or cancellations

Not all travel insurance policies are the same. Depending on the money that you pay for the insurance policy, you will get different levels of coverage. Coverage is the money that insurance companies give the policyholder (or nominees) when the insured suffers a loss due to one or other reasons.

How to Buy Travel Insurance in Dubai?

Buying insurance is not a straightforward task. If you are a first-time traveller living in Dubai, you are likely to get confused by endless insurance options, the large number of insurance companies, and the money that you have to pay for getting insurance coverage.

Most conditions of insurance coverage are difficult to understand and are easily misunderstood by travellers. It is therefore recommended that travellers buy travel insurance online in Dubai from an approved insurance broker in UAE. This is how regular and frequent international travellers do to save money on premium payments. When you become a frequent traveller, your broking company will keep you update about the latest offers and buy travel insurance online on your behalf.

About InsurancePolicy.AE

InsurancePolicy.ae is an online insurance comparison website that helps casual, frequent, and regular travellers to compare and buy the insurance in simple steps. You can compare travel insurance online from different insurance companies and get the needed insurance coverage instantly. InsurancePolicy.ae makes buying  insurance simple and easy.