HAYAH Individual Health Insurance

With a focus on life, health, and savings, HAYAH claims to be the newest and the most reliable insurance provider in the United Arab Emirates. You can protect yourself and your family members under the HAYAH individual health insurance plan. Let's learn more about the HAYAH individual health insurance plan, which enables UAE residents to benefit from tailored healthcare coverage.

HAYAH Individual Health Insurance Plans

HAYAH individual health insurance plan, Health Protect, has under it a list of six plans. The six plans are divided into three types of cover:

• Regional (1,000,000 AED)
• Worldwide (AED 2,500,000 & AED 7,500,000) 
• International (USD 2,000,000 & USD 3,000,000)

HAYAH Individual Health Insurance: Key Features and Benefits

Here are some of the key characteristics of HAYAH individual health insurance:

• Smooth Digital Experience: HAYAH believes in providing financial and health security through a simple digital experience. You can choose the plan that suits your requirements and request a quote. The website also has services such as submitting an enquiry, claiming settlement, and grievance redressal.
• Grievance Redressal: HAYAH prioritises customer satisfaction and answers consumer complaints promptly. You can submit issues or complaints concerning health insurance by filling out the form on the website.
• Quick Claim Settlement: HAYAH guarantees quick claim payment, making it easier for customers to get health insurance benefits included in the policy. Individuals can get financial support when faced with unanticipated situations by filling out the form provided on the website.
• All-Inclusive Coverage: The inclusions under HAYAH individual health insurance policy provide coverage of all the medical expenses incurred as a result of any medical issues. These costs include hospital accommodation charges, medication costs, and other services the hospital provides.

Eligibility Criteria for HAYAH Individual Health Insurance

The qualifying requirements to get HAYAH individual health insurance in the UAE are as follows:

HAYAH Individual Health Insurance Inclusions

Here is a list of what is covered under HAYAH individual health insurance policy, regulated by Dubai Health Authority:

• Provides three types of coverage – Regional (AED 1,000,000), Worldwide (AED 2,500,000 & AED 7,500,000), and International (USD 2,000,000 & USD 3,000,000). 
• In-patient care 
• Out-patient care 
• Chronic and existing illnesses
• The Annual Medical Limit will cover hospital accommodation and services, laboratory, surgery, anaesthesia, radiology, OT, ICU and other facilities.
• Covers dental, maternity, optical, newborn cover, alternative medicine, physiotherapy, and many other services.

HAYAH Individual Health Insurance Exclusions

Here is a list of general health exclusions under the UAE individual health insurance policy.

• Cosmetic treatments: Surgeries that focus on improving a person's look rather than addressing a medical condition fall under cosmetic surgeries. These are normally not included under the HAYAH individual health insurance policy in the UAE. Examples of cosmetic treatments include liposuction, breast augmentation, rhinoplasty, and facelifts.
• Undeclared Pre-existing Medical Conditions at the time of policy purchase
• Surgeries for weight loss: Weight loss surgery is a series of surgical techniques that assist obese people in losing weight by changing the digestive system. Gastric bypass, adjustable gastric bands, and sleeve gastrectomy are some of these operations that are generally not included in HAYAH individual health insurance.
• Infertility treatments: HAYAH individual health insurance policy does not cover the costs of therapies for infertility. This covers prescription drugs, diagnostic tests, and reproductive techniques, which are intrauterine insemination (IUI), in vitro fertilisation, and intracytoplasmic sperm injection (ICSI).
• War-related wounds: Individual health insurance in UAE often excludes coverage for injuries received in times of war or armed conflicts caused by explosions, shootings, or warfare.
• Treatment for substance abuse: The overuse of drugs or alcohol that results in problems with one's physical or mental health is referred to as substance abuse. The costs of treating drug misuse are usually not covered by individual health insurance policies.

Conclusion

Getting the HAYAH individual health insurance offers a sigh of relief by protecting you on both the health and financial front. The extensive coverage provided under this plan not only includes hospital accommodation and services charges but also covers maternity benefits.

You can effortlessly get the HAYAH individual health insurance plan by requesting a quote. If you want to file a claim, have a general query, or want assistance with a specific issue, the customer support team of HAYAH is there at your service. You can be confident that you and your loved ones will get the care needed without having to worry about the high healthcare expenditures.

Learn more about HAYAH individual health insurance plans by going through the most frequently asked questions section.

Frequently Asked Questions