Does my health insurance cover coronavirus?

In Dubai, clients can smile as they can use expired insurance cards since their validity has been extended for three months. This directive took effect from March 24, as reported last Friday. Those with expired cards will get any medical assistance within three months. And, those with Individual Health Insurance in Dubai are also a part of this arrangement.

The decision is an authority to simplify procedures for customers and auditors during the coronavirus pandemic. Let us discuss what to expect from your Individual Health Insurance in Dubai.

Individual Health Insurance in Dubai

An Individual Health Insurance in Dubai covers the coronavirus testing at an affordable cost through your cover. Also, the cover includes doctor consultations, visits to the emergency room, diagnostic testing, preventive care, and access to high-quality medical care. Or any urgent care one needs resulting from the doctor’s visit.

Whether self-employed or employed, the Individual Health Insurance in Dubai is reliable and approved by Dubai Health Authority. You will receive the healthcare services you need without strain or hassle for finances. Below is a summary of the services covered by the medical plan.

• General medical visits to a doctor in the UAE
• In-patient treatments in the UAE
• Emergency or hospitalization treatments
• Diagnostic tests
• Maternity services
• Drugs Prescription
• Physiotherapy
• Preventative services like mandatory vaccines and immunizations

Individual Medical Plan in the USA

A comprehensive health plan for an individual covers all expenses concerning the coronavirus 100%, whether employer-sponsored or an exchange plan, as long as it meets the coverage requirements explained in the Affordable Care Act.

Most insurance plans cover all expenses for the test and any other treatment required afterward. However, you need to confirm with your insurer if the costs incurred during the trial for coronavirus are covered.

Insurers must provide free antibody testing for COVID-19. The plan falls under the Patient Coronavirus Aid, Relief, and Economic Security (CARES) Act. The act was signed into law by President Donald Trump signed into last month.

An antibody testing is a measure for immune proteins in the blood, showing if someone has had or has a coronavirus and perhaps protection in the future. Although healthcare professionals have raised concerns on the antibody tests, the test administration to a patient is concealed.

All cases of the coronavirus are treated as emergencies.

All coronavirus cases of patients in the UAE are now treated free of any cost. This applies to everyone, regardless of their health insurance status. It is a clarification by DHA, so don’t be worried if you are uninsured.

The Dubai Health Authority has issued circulars to hospitals directing them to treat or attend to coronavirus infections as emergencies. The instructions come from the Ministry of Health and Prevention (Mohap). All health facilities with DHA licenses are also expected to adhere to the same directives.

The circular further stated that all health facilities should classify the cases into two: One is for the insured patients, and the second is for the uninsured or those whose health insurance is unavailable.

For patients whose insurance covers the treatment will be treated as an emergency, and the health insurance companies should honor any claims they receive in this regard. On the other hand, uninsured patients with the coronavirus suspected or confirmed cases will also receive emergency treatment, but there will be no healthcare charges in any healthcare facility.

These directives will ensure health and safety to the community. Also, patients are cushioned and contained whether they have confirmed or suspected infections as they receive ideal healthcare services.

What happens when one is uninsured?

In the US, the estimated cost for uninsured patients concerning coronavirus-related treatment is $14 billion to $42billion. The cost estimations are from the Kaiser Family Foundation. And, the prices are not inclusive of other treatment costs that may happen outside the hospital. 

The US government has provided relief funds worth $100 billion to hospitals and health care providers. These funds are a relief to cover the COVID-19 treatments. Trump’s administration has only provided tiny details on the distribution of funds. However, the general idea of how the funds are to be shared is treating the uninsured.

The unemployed patients who have just lost their health insurance due to the coronavirus pandemic qualify for Medicaid cover. The cover is now available in states where the program has expanded.

Conclusion

The healthcare sector in the United Arab Emirates (UAE) is well-developed and modern. Everyone, including expatriates, receives quality healthcare services in both the public and private sectors. The individual sector costs are high and increase annually, and there are more facilities than public facilities.

Besides, the medical care available is sophisticated with well-trained staff. Mostly, they are expatriates who can communicate in English. In Dubai and Abu Dhabi, all expatriates must have private health insurance as the law mandates. Before moving to UAE, expatriates must arrange for their health insurance cover.

We recommend Individual health insurance in Dubai from an international health insurance policy provider like Dubai Health Insurance. It is a company committed to helping expatriates living in the UAE or the GCC region. For any consultations, you will get the information about all health insurance policies from trained and experienced professionals.