HAYAH Senior Citizens Health Insurance

In this article, we will focus on HAYAH senior citizen health insurance, which is dedicated to safeguarding the well-being of senior citizens in the UAE. With this type of insurance, senior citizens can enjoy a fully digital experience and manage their plans with peace of mind.

Let’s find out more about HAYAH senior citizen health insurance, which combines cutting-edge technology with a concern for the well-being of elderly individuals, making it a trusted choice for senior citizens seeking comprehensive health coverage.

HAYAH Senior Citizen Health Insurance Plans

Have a look at the table below for the HAYAH health insurance plan available for senior citizens -

Plan	Details
Health Protect	Option to select from a range of six insurance plans divided into three distinct categories of coverage - Regional Coverage with a limit of AED 1,000,000 Worldwide Coverage with a choice between AED 2,500,000 and AED 7,500,000 International Coverage with USD 2,000,000 and USD 3,000,000 coverage options

Key Benefits of HAYAH Senior Citizen Health Insurance

Discussed below are the major inclusions of HAYAH senior citizen health insurance -

Regulatory Trust: HAYAH's insurance plans are approved and regulated by the Dubai Health Authority, ensuring compliance and reliability.
Comprehensive Coverage: HAYAH offers extensive coverage — including both In-Patient (IP) and Out-Patient (OP) benefits — to cater to various medical requirements.
Inclusive Care: With this health insurance plan covering declared pre-existing and chronic conditions, you can enjoy providing comprehensive healthcare support and peace of mind.
Holistic Hospital Benefits: Enjoy coverage for hospital accommodation, essential services, radiology, laboratory tests, ICU stays, surgical procedures, anaesthesia, operating theatre expenses, and more — all within the Annual Medical Limit.
Maternity and Newborn Care: HAYAH extends its support to special life moments, offering maternity and newborn coverage.
Diverse Healthcare Options: As a policyholder, you can access a wide range of healthcare services such as alternative medicine, dental treatments, optical care, physiotherapy, and more to address your unique health requirements.

Check Hayah Health Insurance Plans in UAE

HAYAH - Health Protect Comprehensive

HAYAH - Health Protect General +

HAYAH - Health Protect International 1 - excluding USA & Canada

HAYAH - Health Protect International 1 - including USA & Canada

HAYAH - Health Protect International 2 - excluding USA & Canada

HAYAH - Health Protect International 2 - including USA & Canada

HAYAH - Health Protect Restricted

Eligibility Criteria for HAYAH Senior Citizen Health Insurance

Check out the general eligibility criteria for HAYAH health insurance plans -

Categories	Eligibility Criteria
Maximum Age	65 years
Residence	Northern Emirates or Dubai

Inclusions of HAYAH Senior Citizen Health Insurance

The general inclusions of HAYAH senior citizen health insurance include the following -

Out-patient services
In-patient services
Chronic disease coverage
Hospital accommodation services
Optical and dental cover
Diagnostics coverage
Pre-existing disease coverage
Prescribed medication coverage
Physiotherapy
Alternative medicine

Exclusions of HAYAH Senior Citizen Health Insurance

Here’s a list of the general exclusions of HAYAH senior citizen health insurance -

Self-harm or injuries intentionally inflicted by oneself
Adverse events caused by natural catastrophes
Health conditions stemming from unlawful actions
Cosmetic procedures
Wars or nuclear damage

Check out some frequently asked questions about HAYAH senior citizen health insurance next -

FAQ's

Ans: A direct billing claim is an arrangement where medical service providers send their bills directly to the insurance company or its third-party administrator, simplifying the billing process for the insured individual.

Ans: Co-payment refers to the portion of eligible expenses, often expressed as a percentage, that insured individuals must pay for certain health services covered by the insurance contract. This amount is not reimbursed and is deducted from the total claim.

Ans: You may be required to pay a deductible or coinsurance amount, depending on your plan's terms and conditions.

Ans: A reimbursement claim involves the insured person seeking repayment for medical expenses incurred at a non-network facility or outside the geographical coverage specified by the policy.

Ans: Before submitting a reimbursement claim to HAYAH, make sure that you've completed all sections of the claim form and attached all necessary supporting documents. You can submit your claim through the TPA Mobile App.

Ans: HAYAH insurance usually processes claims related to medical reimbursement in up to 10 working days.

Ans: The pre-approval process is typically handled by your network provider. Out-of-network services may not require pre-approval.

Ans: Pre-approval is started once your network provider submits all relevant medical information. The approval for valid services, as per your policy's terms and conditions, is usually granted within 2 to 24 hours.

Ans: A non-network provider refers to a healthcare service provider that is not part of the applicable network under your health insurance plan.

Ans: When visiting a hospital or clinic, you will be required to carry your HAYAH medical card and another type of identification like your Emirates ID or valid passport. In case you're going to a provider outside your network, make sure to carry the reimbursement claim form.

Ans: A provider is a healthcare professional or facility that offers medical services, including doctors, specialists, nurses, health centres, physical therapists, laboratories, and hospitals.

Ans: Pre-approval is needed for elective health services and services covered by your insurance plan such as hospitalisation, diagnostics (like MRI and CT scans), surgery, dental services, long-term medication, optical services, nursing at home, alternative medicine, regular examinations, physiotherapy, and psychiatric treatment.

Ans: A network consists of contracted healthcare providers that offer healthcare services to members of the specific health insurance policy via direct billing.