Laboratory/Diagnostic Tests Cover in Health Insurance

In the forthcoming section of this write-up, we will take a look at the laboratory tests and diagnostic tests, their types, and more.

What are Diagnostic Tests?

These are advanced medical examinations performed by physicians to identify, screen, diagnose, and monitor an individual’s health. These tests help in determining the illness in the patient. Some of the standard procedures include -

• Computed Tomography Scan (CT Scan)
• X-rays
• Magnetic Resonance Imaging (MRI)
• Ultrasounds
• Electrocardiogram (ECG)
• Electromyography (EMG)
• Biopsy
• Blood Tests
• Mammography
• Colonoscopies
• Eye tests
• Positron Emission Tomography (PET)

Some of the above-mentioned diagnostic tests are discussed in detail in the forthcoming section. 

Types of Diagnostic Tests

Discussed below are the major types of diagnostic tests - 

• Blood sugar test - A common test used to diagnose diabetes, the blood sugar test measures the glucose level in your bloodstream. If your doctor suspects diabetes, they will recommend this test. It helps them determine whether you have high or low blood sugar and also assesses the effectiveness of your diabetes medications. The test is conducted after a 12-hour overnight fast, with the results providing valuable insights into your diabetic condition.
• Blood count test - The blood count test identifies and quantifies the various cell types present in your blood including red blood cells, white blood cells, and platelets. This test assessment aids in detecting infections. For instance, an elevated white blood cell count may indicate an infection. 

Additionally, the results of this test can assist your doctor in diagnosing conditions such as blood cancer, anemia, or other immune system disorders. Unlike other tests, no fasting is required for this one.

• Urine test - The urine test, also known as urinalysis, plays a crucial role in diagnosing urinary tract infections. It detects the presence of white blood cells and bacteria in your urine. Moreover, this test enables early detection of kidney infections and diabetes. 

For more accurate results, an early morning urine sample is recommended.

• Cholesterol test - Also referred to as a lipid panel test, the cholesterol test measures the levels of good and bad cholesterol and triglycerides in your blood. Elevated levels of bad cholesterol can lead to stroke and heart diseases. For this reason, it is essential not to overlook this critical test.
• ECG test - The ECG test is a vital procedure for recording the electrical activity of your heart. It is instrumental in assessing your cardiovascular health and detecting any abnormalities or potential issues.
• X-ray - An X-ray is a diagnostic tool commonly used to determine whether bones are fractured or not. Additionally, it helps in diagnosing conditions like pneumonia by creating images of the organs within your body

Does Health Insurance in the UAE Cover Laboratory Tests?

Most health insurance plans in the UAE cover the costs incurred during laboratory tests and other pathology tests. These tests fall under the Medical Necessity category. The primary purpose of undergoing a pathology test is not solely for your comfort or convenience, but rather because it is deemed essential for your overall well-being.

When you are admitted as an inpatient in a healthcare facility, most healthcare insurance plans, including basic employee plans, typically cover the entire cost of pathology tests.

On the other hand, if your General Physician recommends a blood test or other pathology test for you as an outpatient, the coverage may vary depending on your health insurance plan. Some plans might incur costs for outpatient pathology tests.

Even when private health insurance covers the cost of a blood test, there could still be some out-of-pocket expenses in case the pathology expenses go above the coverage limit provided by your health insurance.

How to Choose a Health Insurance Plan that Covers Diagnostic Tests?

When looking for a health insurance plan with diagnostic and laboratory tests, take the following things into consideration -

• Read through the Policy’s Terms and Conditions - It is important to go through the terms and conditions, disclosures, and other essential information that are not included in the policy’s body. Make sure that you are aware of all the terms related to the diagnostic tests.
• Connect with the Insurance Provider in Case of Doubts - Before buying a comprehensive health insurance plan, it is important to get all your doubts clarified by the health insurance provider. 
• Go for a Reliable Company - Experts suggest that it is better to opt for a health insurance provider that is reputed for their services. A decent health insurance plan will always include diagnostic and laboratory tests, affordable premium rates, and cashless services.

To know more about laboratory tests or diagnostic tests, check out the next section and go through some frequently asked questions. 

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Frequently Asked Questions

Q1. Do health insurance plans in the UAE cover laboratory tests and diagnostic charges?

Ans: Health insurance plans cover most diagnostic tests such as X-rays, MRIs, and blood tests. 

Q2. Is ultrasound covered under a health insurance plan?

Ans: Yes, most health insurance plans cover ultrasound plans. 

Q3. What are the most common lab tests?

Ans: The most common laboratory tests include lipid profile, eye examination, pap smear, pelvic exam, dental exam, heart disease screening, and cancer screenings.