Chronic diseases are medical conditions that progress gradually and often require long-term medical care. They significantly impact quality of life and productivity. Early detection, preventive care, and consistent treatment are essential for effective management. While generally incurable, these ...read more
Health insurance for chronic diseases provides financial protection for managing long-term conditions like cancer, hypertension, kidney failure, brain tumours, and others. Most Health Insurance plans in UAE cover chronic illnesses, including consultations, medications, and diagnostic tests. Early enrollment in health insurance ensures access to quality care without financial strain, as treatment costs for chronic conditions can be high. Choosing a suitable policy with extensive benefits helps manage these conditions effectively while minimizing out-of-pocket expenses.
Given below is a list of some of the chronic diseases usually covered under UAE health insurance plans:
Cancer |
Stroke and Heart Attack |
Third Degree Burns |
Kidney Failure |
Bacterial Meningitis |
Chronic Aplastic Anaemia |
Liver Failure (End-stage) |
Alzheimer’s Disease |
Cardiomyopathy |
Brain Tumour (Benign) |
Paralysis (Limbs) |
Loss of Speech |
Muscular Dystrophy |
|
Health insurance in the UAE includes coverage for chronic diseases. Under UAE law, particularly in Dubai and Abu Dhabi, health insurance plans must provide essential benefits for the treatment and management of chronic conditions.
Coverage Details:
Policyholder Requirements:
Coverage Amount:
In the UAE, health insurance often includes a waiting period for chronic illnesses that can extend for up to 6 months. During this period, insurers don’t cover treatment costs for the declared pre-existing or chronic conditions. The waiting period applies to new policies and helps insurance companies manage risks effectively.
Once the waiting period ends, policyholders can access coverage for doctor visits, medications, and diagnostic tests related to chronic diseases. It’s essential to review policy terms carefully to understand the waiting period and benefits.
Getting health insurance for pre-existing diseases as early as possible is crucial to ensure financial protection and access to timely healthcare. Ideally, you should opt for a comprehensive health insurance plan before being diagnosed with any chronic or pre-existing conditions. Once diagnosed, securing insurance becomes more challenging and may involve higher premiums, exclusions, any waiting periods.
Many chronic illnesses develop gradually and may go undetected for years. An insurance policy ensures coverage for any medical condition arising, even before detection.
Chronic disease treatments are expensive due to regular doctor visits, medications, and diagnostic tests. Getting insurance early does not make you financially burdened once the disease is detected.
Taking early action ensures you are well-prepared and offers you peace of mind as well.
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