Auto Recharge in Health Insurance

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

But how does this feature work? What are the benefits it brings to policyholders? And most importantly, is it the right choice for you?

Let’s dive deeper into this game-changing feature!

What is Auto Recharge in Health Insurance?

Auto recharge in health insurance is a feature that automatically restores your sum insured if it gets fully used up during the policy period (generally 1 year).

For example, if a major illness or hospitalisation exhausts your coverage limit, the auto recharge ensures that the original amount is replenished for future claims. This means you don’t have to worry about running out of coverage in case of another medical emergency. It acts as a built-in safety net and provides financial security and continuous protection throughout the year.

How Does Auto Recharge Work in Health Insurance?

Let’s understand how the auto recharge feature works with an example.

Suppose you have a health insurance policy with a sum insured of AED 500,000, and during the policy year, you use this amount for medical claims. The auto recharge feature restores your sum insured automatically, but whether this benefit applies depends on specific scenarios.

Below, we’ll outline various situations to help you understand when an auto recharge will or will not be applied —

Scenarios and Auto Recharge Outcomes

Scenario	1st Claim	2nd Claim	Will Auto Recharge Work?
Scenario 1: No Pre-Existing Conditions Declared	Surgery – AED 500,000 – Paid	Cataract – AED 100,000 – Paid	Yes – Paid through Auto Recharge
Scenario 2: Diagnosis is Different	Accident – AED 500,000 – Paid	Kidney Infection – AED 75,000 – Paid	Yes – Paid through Auto Recharge
Scenario 3: Diagnosis is for a Declared PED	Diabetes Treatment – AED 300,000 – Paid	Diabetes Complication – AED 250,000 – Not Paid	No – Auto Recharge not triggered
Scenario 4: Limit Exhausted but Diagnosis is Covered	Surgery – AED 500,000 – Paid	New Diagnosis – 200,000 AED – Paid	Yes – Paid through Auto Recharge

Explanation of Scenarios

Scenario 1:

No Pre-Existing Conditions Declared: In this case, the policyholder has not declared any pre-existing diseases (PEDs). The first claim is for a major surgery, which exhausts the sum insured of AED 500,000. The second claim is for cataract surgery, which is unrelated to the first claim. Since the sum insured is exhausted and the diagnoses are different, auto recharge is applied and the second claim is paid using the recharged amount.

Scenario 2:

Diagnosis is Different: This scenario involves claims for unrelated diagnoses. For example, the first claim is for an accident, which exhausts the sum insured. The second claim is for a kidney infection, which has no connection to the first claim. Since the diagnoses are different and unrelated, auto recharge is applied and the second claim is paid.

Scenario 3:

Diagnosis is for a Declared PED: In this situation, the policyholder has declared diabetes as a PED. The first claim is for diabetes treatment and the second claim is for a complication of diabetes, such as organ damage. Since both claims are related to the declared PED, auto recharge is not applied and the second claim is not paid.

Scenario 4:

Limit Exhausted but Diagnosis is Covered: In this case, the first claim is for a major surgery, which completely uses up the AED 500,000 sum insured. The second claim is for a new and unrelated diagnosis, such as an infectious disease, which is covered under the policy. Auto recharge is applied because the sum insured is exhausted and the second diagnosis is not excluded or related to any PED.

What Are the Benefits of Auto Recharge in Health Insurance?

Benefit 1

Continuous Coverage

It restores the sum insured, so you are protected throughout the policy year, even if you face medical emergencies.

Benefit 2

Automatic coverage restoration

With coverage automatically restored, you can continue to access the best hospitals and treatments in the UAE without financial worry.

Benefit 3

New Claims Covered

Auto recharge applies to unrelated claims, so that treatment for a new illness or accident is not hindered by previous claims.

Benefit 4

No Extra Payments

The feature activates without requiring extra payments or policy adjustments during the year.

Is Auto Recharge Ideal for You?

Auto recharge in health insurance has become a valuable feature for policyholders in the UAE. Whether it is worth it depends on your specific needs and circumstances.

Here's a breakdown to help you decide —

Frequent Healthcare Needs: If you or your family members require frequent medical care, such as hospitalisations, surgeries or treatments for chronic conditions, auto recharge can provide peace of mind. It makes sure that you don’t run out of coverage mid-year, which can be especially beneficial given the high cost of healthcare in the UAE.
Protection Against High Medical Costs: The UAE is known for its world-class healthcare facilities, but the associated costs can be high. Auto recharge provides an extra layer of protection and you can access top-quality healthcare without financial strain if your initial coverage is exhausted.
Coverage for Unrelated Claims: If you’re concerned about multiple unrelated health issues arising within the same year, auto recharge covers your needs. For instance, a claim for an accident wouldn’t impact your ability to claim for a subsequent illness.
Pre-Existing Conditions Exclusions: If you have declared pre-existing conditions, auto recharge might not apply to related claims. However, if your primary concern is unrelated health issues, this feature can still be highly beneficial.
Cost vs. Benefit: Auto recharge is generally included as a feature without significantly increasing premiums. For the added security it provides, the cost is often justifiable, especially for individuals with unpredictable health risks.

How Can You Get Auto Recharge Benefit in the UAE?

In the UAE, getting the auto recharge benefit with your health insurance is simple when you choose platforms like Policybazaar.ae. This platform simplifies the process of buying and managing health insurance plans while offering added advantages like the PB Advantage.

The PB Advantage ensures that your health insurance plans come with valuable features, such as auto recharge, at competitive prices. It gives you access to top insurance providers in the UAE, which makes it easier to compare and select the right policy. With Policybazaar.ae, you can rest assured that you’re getting plans tailored to your needs with benefits like comprehensive coverage and automatic sum insured recharge.

🔔Take Action Now: Explore your options today and secure a health insurance plan that offers peace of mind