How to Renew SALAMA Health Insurance Online?

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

Established in 1979, SALAMA - Islamic Arab Insurance Company is a reputed insurance provider in the UAE market following the principles of Shariah law. It is known to offer a wide range of motor, health, life, family, and general takaful in the UAE. Its health takaful in particular makes it one of the most sought-after insurance providers in the country.

The insurer is known to offer DHA-compliant Essential Benefits Plan and individual health coverage through Enhanced Benefits Plan. The plans are known to offer comprehensive health coverage through its extensive network of hospitals. If you already have a Salama health insurance plan, make sure you renew it on time. This write-up is a guide to renewing your Salama health insurance online. Read further to know what happens in case you fail to renew your health insurance on time and what factors to consider at the time of renewal.

How to Renew SALAMA Health Insurance Online?

It is crucial that you renew your plan on time during the grace period in order to continue receiving medical coverage under your SALAMA health insurance plan. You can quickly and easily renew your SALAMA health insurance policy online by visiting the website of the third-party aggregator if you purchased it through Policybazaar UAE (TPA). In this situation, you have the power to decide whether to continue with the present provider or switch to a better plan. The following steps can be taken to begin the renewal procedure on Policybazaar. ae -

Step 1: Visit Policybazaar's official website and log in to your account.

Step 2: You will be directed to your user dashboard where all your current insurance plans will be listed.

Step 3: When your SALAMA health insurance coverage has to be renewed, a notice or reminder will appear on the dashboard. Fill in the renewal form provided on the dashboard and mention your a recent diagnosis or any new critical illness in it.

Step 4: You'll be taken to our Quotes Page after you submit the form. In this case, you can select the Premium Amount tab next to the SALAMA health insurance plan if you're happy with it. If you do decide to change plans, the Quotes Page allows you to view the features of the plans provided by the best provider.

Step 5: Choose the tab for the premium amount after making your decision. The insurance application form will be forwarded to you, where you must complete all the necessary details on your current medical conditions. To broaden the extent of your coverage in this situation, you can also choose riders.

Step 6: Once through, make the required payment using your debit/credit card or net banking platform.

What Happens When You Do Not Renew Your SALAMA Health Insurance on time?

To prevent your policy from expiring, you must renew your health insurance in the UAE during the grace period. This is because you will not be eligible for any benefits under the SALAMA health insurance coverage when the policy expires. This list of incentives includes rewards for waiting periods and compound bonuses. Moreover, the outcomes listed below are probable:

Discontinuation of the Medical Coverage - Your SALAMA health insurance coverage ends if you do not timely renew it during the grace period. That indicates that any claims you submit between the time your insurance policy expires and is renewed will be denied. You would have to buy a new insurance to regain coverage.
More Waiting Period - The waiting period benefit of the prior insurance expires concurrently with the present policy. This suggests that when you buy a new health insurance plan, your pre-existing medical issues or maternity benefits won't be immediately covered. In other words, you would need to go through the waiting process again.
Increased Premium Rates - You will need to look for new insurance if you do not renew your current policy during the grace period. The waiting time would need to be repeated, and your premium would need to be calculated from scratch. Every element, including a newly discovered ailment, will be considered when determining the premium. Hence, the cost will go up.
Loss of Cumulated No-Claim Bonus - Any accumulated no-claim bonus discount advantages will be forfeited if your SALAMA health insurance policy is not renewed by the deadline. Increased premium payments could result from this loss of benefit.
Requirement to Go through Detailed Medical Check-ups - If you had renewed your SALAMA health insurance coverage on time, you would have not had to go through a comprehensive physical. But, when the coverage expires, you will need to pass a stringent medical examination in order to enrol in a new health insurance plan. You can be more vulnerable in the event of a medical emergency because of the potential transaction delay.

Insurance Continuity Certificate: A brief introduction

If you switch jobs in the UAE, your previous organisation must provide you with an Insurance Continuity Certificate before you hand over your current insurance card. All insurance providers are lawfully bound to provide a COC without charge. You can request visa stamps if you have a Certificate of Continuity because it is mandatory for the new insurer to issue new insurance cards. The new insurer must have the assurance that you are sufficiently covered and will not raise health claims immediately. The CoC is valid for 30 days from the date of its issuance.

The Importance of an Insurance Continuity Certificate

An Insurance Continuity Certificate is essential because it provides proof that the insurance policyholder has maintained uninterrupted coverage. It is necessary to demonstrate to creditors, lenders and other third parties that the policyholder has been responsible for maintaining adequate coverage throughout the policy period. The certificate also protects the policyholder in case of any disputes or litigation.

Things to Consider When Renewing Your SALAMA Health Insurance Plan

Your responsibility as an insured does not cease when you purchase a health insurance policy for yourself. It also entails renewing promptly and making certain that various factors are taken into account. While renewing your SALAMA health insurance coverage online, keep the following in mind:

You should renew your policy prior the deadline - You should extend your health insurance before it expires. If you don't renew your health insurance before the deadline, you can be given a grace period of up to 15 days depending on the plan.
Review the requirements for your health insurance - Check the agreement carefully and make any required changes before it's time to renew your health insurance. That means including relatives who might need insurance.
Declare any new illness - The conditions of your health insurance plan are revised each year because it is a yearly contract owing to changes in pre-existing medical conditions. So, at the time of policy renewal, you should not divulge any new medical developments that have happened since the term of the prior insurance.
Review Your Current Plan - You should be aware of the protection you now have. The subsequent step you will be helped with by this is determining your requirements. Also, being knowledgeable about your current coverage reduces the possibility that a claim will be rejected and improves your preparedness for emergencies.
Compare Your Plans - Even though the majority of you would find it more practical to continue with your current insurance provider, it is always important to consider your options. Before renewing your policy, you can compare the features of several plans provided by the best providers in the UAE on third-party aggregators like Policybazaar.ae. You can switch providers while keeping the benefits and characteristics of the current policy if you choose portability.
Consider Including Add-ons to Make the Plan More Comprehensive - You have the option to add riders to your policy when it is renewed if you believe the advantages of your current health insurance plan are insufficient.

Conclusion

In a nutshell, renewing SALAMA Health Insurance online is a quick and easy process. The steps are straightforward, and the information you need to provide is minimal. It is crucial to review the terms and conditions of the policy before you sign up, as well as to be informed about any changes to the policy guidelines since you last renewed it. So, keep your health insurance up-to-date just with a few clicks via Policybazaar.ae, and say no to financial stress in health emergencies.

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To know more about renewing SALAM Health Insurance, read the following FAQ section.

Frequently Asked Questions

The grace period is the extended policy tenure within which you need to renew your plan. In the UAE, the grace period is of 15 days.

If you fail to renew your health insurance plan on time, you end up losing your uninterrupted coverage and accumulated benefits like no-claim bonus benefits and waiting period.

You can opt for add-on coverages to make your existing health insurance plan more comprehensive. However, this can increase the cost of the premium to be paid.

If your health insurance plan expires, you would have to buy a new one at a higher price. Also, you wouldn't be able to take advantage of the preceding policy's cumulative benefits.

If you're not happy with the health insurance company's current level of coverage, you can move your policy to a different insurer and keep all of your current policy's advantages.

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