Buying Health Insurance

You're at the stage where you've done the research, you've compared the different plans on our website and you've spoken with our insurance advisors for advice on the plan that best suits your needs.

You are now interested in buying a health insurance plan from your insurer of choice. 

This article talks about the process of applying for a health insurance plan and all the steps that you need to take in order to get covered.

1

Complete and Sign an Application Form

One of the steps that you need to take when buying a health insurance plan is to complete and sign an Application Form from the insurance company that you have chosen.

There are sections of the Application Form that are dedicated to questions on the health condition of the applicant(s). It is important to answer all of these questions truthfully and to provide more information when asked.   

Once the insurance company has reviewed your application form, they will then prepare their final quote which will include a summary of the coverage and the premiums.

The information submitted on the application form has a direct impact on the insurance coverage. If you have current or past health conditions (also known as pre-existing conditions) and choose not to mention them on your Application Form then the insurance company has the right to deny coverage for treatment of these conditions and any related conditions. This will leave you ‘out of pocket’ (i.e. liable) for these expenses. In addition, your insurer has the right to either void the policy mid-term or charge you an additional premium mid-term.

The final premiums quoted by the insurance company may be different from the premiums that we have initially quoted you because they have based their final premium on the information that you have provided to them on the application form.

Definition of a pre-existing condition -  Any medical condition (including chronic conditions) or any disease, illness or injury for which you received medication, advice or treatment, or you had experienced symptoms of regardless of whether the condition was diagnosed or not, before the initial start date of your insurance policy and prior to becoming a member.

Some examples of pre-existing conditions are pregnancy, high blood pressure, cholesterol and diabetes.

Some examples of pre-existing conditions are pregnancy, high blood pressure, cholesterol and diabetes.

2

Prepare your Documents

We will also need the following documents for every person that will be covered under the policy:

  1. Copy of valid Passport
  2. Copy of valid Visa / e-Visa / Entry Permit
  3. Copy of valid Emirates ID / EID Application Form
  4. Copy of the sponsor's valid Passport
  5. Copy of the sponsor's valid Visa / e-Visa / Entry Permit
  6. Copy of the sponsor's valid Emirates ID / EID Application Form
  7. Copies of previous health insurance certificates/cards (if available)
3

Prepare Additional Requirements

If you’re currently insured by your company’s group health insurance plan and you’d like to purchase health insurance for your spouse and children then we will require some additional documentation from you. Specifically, the insurance company you’re applying to will require proof that certain members of your family are covered under the company’s plan whereas other members of your family are not.

For Plans Insuring Children only
  1. A letter from the sponsor's company is required confirming that the sponsor and spouse are covered under a group health insurance plan but that the children are not.
  2. In the event both parents are employed and insured by their respective companies then we will need from each parent a letter from their company confirming that they're covered under the company's group health insurance plan but that their children are not.
  3. Copies of the parents’ health insurance cards.
For Plans Insuring Your Spouse and Children
  1. Letter from the sponsor's company confirming that the sponsor is covered under a group health insurance plan but his/her spouse and children are not.
  2. Copy of the sponsor’s health insurance card.

If you do not have an existing medical coverage then you are not able to buy insurance for your spouse or children only, you will need to join the plan with them.

Did this answer your question? Thanks for the feedback There was a problem submitting your feedback. Please try again later.