Health Insurance Add-Ons

we will explore everything you need to know about medical insurance add-ons in the UAE. You will learn what these options are, the different types available, why you should consider them, and how they can benefit you in the long run.

What are Health Insurance Add-Ons?

Health insurance add-ons are optional benefits that you could include in your standard health policy to enhance and personalise your coverage. With them, you can customise your policy by adding specific benefits that are not generally included in the basic plan.

List of Health Insurance Add-Ons in the UAE

In the UAE, various health add-ons are available to provide more comprehensive protection beyond standard policies. 

Here is a list of common health insurance add-ons in the UAE — 

1. Dental Care: Dental add-ons cover routine check-ups, cleanings, fillings and sometimes orthodontic treatments. Regular dental care is essential for overall health — this add-on helps manage the costs of maintaining oral hygiene. 

Without this coverage, dental procedures can be costly, which makes this a valuable addition for many. 

1. Optical Coverage: This health insurance add-on includes coverage for eye examinations, prescription glasses, and contact lenses. For individuals with vision impairments, regular eye care is important — this add-on helps offset those costs and helps in maintaining optimal eye health and correcting vision issues as needed. 
2. Personal Accident Cover: Personal accident coverage provides financial protection in the event of accidental injuries. It usually includes compensation for disabilities resulting from accidents and may offer a death benefit to beneficiaries if the insured person passes away due to an accident. This add-on is particularly useful for individuals engaged in high-risk occupations or activities.
3. Second Medical Opinion: It allows you to seek a second opinion from another medical professional — either locally or internationally — regarding a diagnosis or treatment plan. It provides reassurance and may present alternative treatment options. Access to a second opinion can be essential in making informed decisions about your health. 
4. Health Check-Up Packages: Regular health check-ups are vital for early detection of potential health issues. This add-on covers the cost of routine examinations and preventive screenings. Early detection through regular check-ups can lead to more effective treatments and better health outcomes. This coverage encourages proactive health management and can prevent more severe health issues down the line.
5. Infertility Treatment Coverage: This health insurance add-on provides coverage for medical treatments related to infertility, such as fertility consultations, diagnostic tests, and assisted reproductive procedures like IVF. Infertility treatments can be expensive and this coverage helps ease the financial burden on couples trying to conceive.

Different Kinds of Health Insurance Add-Ons

As evident, there are various kinds of add-ons one can find in the insurance market of the UAE. Given below are some insights into all the different kinds of popular add-ons in health insurance:

Personal Accident Cover

Personal accident cover is an add-on that you can take with health insurance as well as car insurance plans. Having said that, a personal accident cover offers comprehensive cover for treatment taken for accidental injuries. In addition, personal accident add-on covers in health insurance also offer compensation for disabilities caused by accidents. As the crowning stroke, the death benefit is also offered to the dependents if the insured person happens to meet their demise in an accident. Over and above, personal accident covers come in handy if you are someone who drives a lot or travel expansively as a passenger. While health insurance plans cover the emergency treatment you may need after an accident, the additional benefits are not covered in the basic coverage span. 

Dental Treatment Cover

Many health insurance plans include dental cover as a part of the basic coverage of the plans. However, for plans that do not come with basic dental cover, policyholders can take dental health insurance add-on cover. Further, comprehensive dental add-ons in health insurance would cover everything from preventive care to teeth cleanings, root canals, fluoride treatments, dental exams fillings, extractions, crowns and implants. Apart from that, emergency treatment required for dental conditions is also generally covered. However, the coverage scope of a dental add-on covers health insurance mostly depends on the plan and the provider. 

Room Rent Waiver

The room rent waiver is a rather popular add-on that can be used to eliminate the limit imposed on the room rent benefit of your health insurance plan. Generally, almost all health insurance plans put a sub-limit on the room rent cover, whether in the form of the type of room covered or the maximum expenses covered. However, a Room rent waiver can remove this sub-limit and allow you to get complete coverage for all room rent expenses incurred during your stay. 

Critical Illness Cover

Health insurance add-on for critical illnesses allows the policyholder to get a lump sum compensation amount if they are diagnosed with a critical illness covered by the plan. Besides, the illnesses covered by the plan are pre-specified by the provider, and a list is given in your policy wordings. This lump sum amount can be used to cover the expenses of treatment you take for critical illnesses or to cover the loss of income faced due to the said illness. Moreover, critical illnesses are potentially lethal illnesses that still can be cured—for example, liver cirrhosis, kidney diseases, cardiovascular diseases, cancer, etc. 

Hospital Cash Cover

The hospital cash add-on covers in health insurance plans offer cash allowance to cover the expenses incurred while the policyholder is hospitalised. However, this benefit only comes into play when the hospitalisation is longer than 24 hours- meaning that hospital cash benefits cannot be utilised for daycare procedures. The allowance is given as per the number of days the policyholder spends in the hospital may have a per-day limit. 

Maternity Cover

As the name suggests, the maternity add-on cover in the health insurance plan deals with the policyholder's pregnancy during the pre-natal and post-natal periods. This health insurance add-on generally covers benefits like doctor consultations, diagnostic tests, pre-natal ultrasounds, and specialist opinions. Additionally, normal deliveries, C-sections, and complication deliveries are also covered. Over and above, maternity covers in the UAE are also required to offer an infant cover for the newborn baby. However, the infant cover must be at least 30-day-long starting from the day of birth of the baby. 

Geographical Coverage Extension

The coverage area of a domestically or regionally applicable health insurance plan can be increased using geographical extension add-on covers in health insurance. In addition, different extensions may be available, including worldwide cover, worldwide cover excluding a few countries and gulf region extension cover. Therefore, policyholders can choose one as per their requirements at the time. 

Second Opinion Cover

Second opinions are generally not covered as a part of doctor consultation cover of basic health insurance plans. In addition, a second opinion add-on covers in health insurance can be taken to cover any additional advice apart from what you received from your primary physician; this add-on will also cover the cost of the consultation. However, keep in mind that the additional sub-limits may apply as per the maximum amount covered for each visit or the maximum number of visits covered. Another health insurance add-on called international second opinion gives you the same kind of benefit. But, the only difference is that it covers the medical opinion you take from a doctor abroad. 

Optical Treatment Cover

Much like dental add-on covers in health insurance, optical treatment add-on covers in health insurance covers the treatment cost of any optical procedures you get done. This will include most things from your prescription glasses to even more significant expenses like cataract surgeries. However, the extent of the benefit is primarily dependent on the provider and the plan. 

Health Insurance Top-Up Cover

Top-up health insurance add-ons are the best way to increase your assured sum limit without having to buy another full-fledged health insurance plan at full price. For example, a health insurance top-up cover functions as a separate cover that comes into play if you exhaust your primary coverage and a part of the expenses still remains. Moreover, it generally provides coverage for hospitalisation bills and other related expenses only in most cases. 

Restore Benefit Add-On 

Also known as the replenishing benefit, restoration add-on covers in health insurance are another way to increase the monetary coverage limits of your health insurance plan. However, the restoration cover functions a little different from the top-up add-ons in health insurance. For example, a restoration cover will restore your primary health insurance plan's assured sum to its original value. On the other hand, top-ups provide a pre-defined added coverage amount to the policyholders. 

Emergency Ambulance Expenses Cover

This health insurance add-on can be used to cover the charges incurred when using ambulance services in an emergency. As the name suggests, this add-on cover in health insurance does not cover any ambulance rides taken in non-urgent cases. Therefore, keep in mind that many health insurance plans may have this benefit as a basic one, so check well before you take an add-on for the same. 

Repatriation and Funeral Expenses Cover

Offered by several providers, repatriation and funeral expenses add-on covers in health insurance helps in handling the mortal remains of the policyholder. For example, if the policyholder happens to meet their demise while travelling, the repatriation benefit can bring their mortal remains back home. So, health insurance add-on for funeral expenses can be used to cover the expenses incurred in cremation or burial services of the policyholder, and the dependents or the nominees can access this benefit. 

Things to Keep in Mind When Buying Health Insurance Add-Ons

Like anything else that you invest in, you always keep a few things in mind when you are planning to buy an add-on with your health insurance cover. Likewise, given below are things you should know and remember when buying and using add-ons:

• Waiting Period: Some health insurance add-ons like dental, optical, or maternity covers come with a waiting period. This waiting period means that you will have to wait for that set duration of the waiting period before the coverage actually begins. Therefore, see if your insurance plans require you to go through a waiting period and buy your add-on cover accordingly. Finally, make sure that your waiting period ends before you need it, as in the case of maternity covers.
• Additional Cost: Health insurance add-ons or any other kind of add-on for that matter are not free-of-cost and for genuine reasons. They, of course, come with an added cost. So, do not blindly take any and every add-on cover in health insurance that you come across. In fact, check which ones you actually require and take only those add-ons. For the last word,  customising the coverage is good but consider staying aware of the expenses that come with it. 
• Coverage of the Plan: Thoroughly check if buying a certain add-on will benefit your current coverage. This is especially critical because some add-ons may be futile for your coverage or futile for you personally. For example, a geographical extension add-on cover in health insurance is of no use if you rarely ever travel. It makes no sense, right? Therefore, you should rather take a travel insurance plan in this case instead of add-ons covers in health insurance plans. In a word, how beneficial an add-on is for you and how it helps your coverage must always be checked properly. 
• Exclusions: Just like basic health insurance covers, medical insurance add-on may also include exclusions. Therefore, be aware of everything that a particular add-on will not cover for you to avoid any hassle in the hour of need. For example, some dental add-ons in health insurance may not cover implants or crowns. So, read policy wordings properly and stay ideally informed. 
• Timely Removals: Removing add-ons from your coverage is as important as it is to take them, even more so. Thus, keep evaluating your coverage from time to time and make sure you remove any add-on you do not need anymore. This timely removal practice will save you from spending additional money in vain. 
• Availability: Not all medical insurance add-ons are available with all the providers. On top of that, some add-ons may be available with selected plans from a provider only and not others. For example, dental cover may be available as an add-on for comprehensive plans but not as an add-on for mediclaim policy, i.e. essential benefits plans. Thus, check the availability of the medical insurance add-on you may need in future before you choose your provider. If not, at least check the portability guidelines of the providers. 

Why Should You Get Health Insurance Add-Ons?

Listed below are the 5 important reasons why you should consider getting health insurance add-ons in the UAE — 

1. Extra Coverage for Specific Needs: A standard health policy may not cover all medical expenses. Add-ons allow you to get additional coverage for services like dental care, optical care, or infertility treatments. 
2. Financial Protection Against High Medical Costs: Medical treatments can be expensive, especially in the UAE. In fact, some services, such as second medical opinions from specialists, are not always covered in basic health plans. With the right add-ons, you can avoid paying large medical bills and focus on your recovery without worrying about money. 
3. Convenience and Peace of Mind: Having the right health insurance add-ons means you are better prepared for any unexpected medical needs. Instead of searching for additional coverage or arranging finances during an emergency, you can get treatment without delays. 
4. Cost-Effective in the Long Run: While add-ons may slightly increase your insurance premium, they can save you a lot of money in the future. Paying for specialised medical treatments out of pocket can be much more expensive than adding coverage to your policy. 

For instance, routine dental care add-ons cover regular check-ups and treatments, which can help you avoid bigger dental problems that could cost more later.

Summing it Up

Health insurance add-ons give you the flexibility to enhance your coverage and guarantee that you are financially protected against unexpected medical expenses. Whether you need vision and dental coverage or a second medical opinion, these add-ons help you customise your medical insurance plan to fit your lifestyle and medical needs. Instead of worrying about high medical costs, you can focus on your health and well-being.

Choosing the right add-ons can make a big difference in the quality of healthcare you receive. If you are unsure about which add-ons are best for you, it’s always a good idea to seek expert advice. 

To learn more about health insurance add-ons in the UAE and select the best ones for your plan, you can connect with the customer care team of Policybazaar.ae and get all the guidance you need. 

Get the coverage you need today and enjoy peace of mind for the future!

 

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