NRI Care Health Insurance Plan

The Dubai Insurance Company (DIC), set up by the visionary His Highness Late Sheikh Rashid Al Maktoum, is a shining star in the UAE's insurance sky. Recognised for its top-notch services with ‘excellent’ and ‘stable outlook’ ratings from AM Best and Moody's, DIC is certainly aware of what its customers require. 

Understanding the specific needs of Indian expats, DIC, in collaboration with Policybazaar.ae, presents to you the 'NRI Care Plan'. It's not just NRI health insurance — it offers hassle-free cashless services in India, removes the need for extra travel insurance on short trips, and even ensures a smooth transition if you're thinking of moving back. 

Let's dive in to learn more about the unique features of the Care NRI Health Plan and how it can be a game-changer for NRIs.

What is the Dubai Insurance Company NRI Care Plan?

Crafted with the utmost precision for Non-Resident Indians (NRIs) in the UAE, the NRI Care Health Plan by the Dubai Insurance Company stands out for those who often oscillate between the UAE and India. Collaboratively powered by Policybazaar.ae, this plan is a protective shield against the typically cumbersome health insurance claim processes in India.

Unlike traditional insurance plans which demand pre-approvals and often result in out-of-pocket expenses, the NRI Care Health Plan greatly simplifies things for you. It offers cashless in-patient treatments in India with a network sprawling 9,000+ hospitals across over 300 cities in India. 

If you're contemplating a move back to India, this plan ensures day 1 coverage for pre-existing conditions after being a member for 4 consecutive years. Additionally, features like an annual health check-up in India, auto recharge of the sum insured, and no-claim bonuses further enhance its appeal.

Moreover, with Policybazaar.ae having a strong presence in both the UAE and India, you can be assured of seamless claim assistance. Whether it's facilitating cashless claims, conducting health check-ups, or ensuring smooth portability, Policybazaar.ae is the one-stop contact for customers. 

With a claim process that is both efficient and swift in both India and the UAE, and with trusted network providers like Mednet and Dubai Care, the focus remains where it should be - on the health and well-being of the insured.

NRI Exclusive Features of Dubai Insurance NRI Care Plan

Let's explore the NRI-exclusive features that make this plan an excellent choice for many Indian expatriates in the UAE - 

• Seamless Medical Care in India: With this plan, you can avail cashless in-patient treatments at over 9,000 hospitals across more than 300 Indian cities, ensuring that your focus remains on recovery, not finances.

Interestingly, when you buy this plan, you will be provided with two health cards — one each for the UAE and Indian markets. With the card in India, you can have a seamless cashless experience for your inpatient department (IPD) claims.

• Zero Hassles with Pre-approvals: Bid adieu to the cumbersome processes of seeking pre-approvals or filing for claim reimbursements in India.
• Immediate Coverage Post-Relocation: If you decide to move back to India, you will be shielded from the start with coverage for pre-existing conditions, provided you've been a plan member for 4 consecutive years.
• Annual Health Retreat in India: Emphasising your well-being, even when miles away, this plan facilitates an annual cashless health check-up at network providers across various Indian cities.
• Portability Privileges: The plan's portability feature acknowledges your continuous coverage, crediting waiting periods on specific ailments when transitioning to a similar Care Health Insurance product when you shift back to India from the UAE.
• Auto Safety Net: In the event of claims, the plan automatically reinstates the sum insured once annually. This acts as an added layer of financial safety during unexpected health crises.

Note: This recharge is valid only for future claims and not for any illness or injury for which you have already made a claim during that policy year. Furthermore, it doesn’t apply to maternity-related treatments and pre-existing conditions.

• No Claim Bonus Rewards: Stay in the pink of health and get rewarded with a 10% increase in insurance coverage for every claim-free year. Keep in mind that terms and conditions are applicable and that the accumulated bonus cannot exceed 50% of the sum insured in a year
• Partnering with India's Best:  Leveraging the strength of Care India, this plan aligns with one of the leading health insurance providers in the country. As India's second-largest standalone health insurer, Care Health boasts an impressive claim settlement ratio of 95.2%.
• Trust in Legacy and Expertise: As a leading insurance company and recognised by leading credit ratings agencies like AM Best and Moody's, this plan stands as a testament to reliability and expertise.

Other Features of Dubai Insurance NRI Care Plan

While the NRI Care Plan stands out with its exclusive offerings for Indian expatriates, it also packs in a suite of additional features that cater to the wider requirements of all its policyholders. 

Let’s take a look at the comprehensive features that further enhance the value of this one-of-a-kind health plan - 

• Comprehensive UAE Coverage
• Robust Network Access: Get access to top medical institutions in the UAE such as Aster, NMC, Prime, Medcare, Mediclinic, and many more.
• Wide-ranging Sum Insured: Enjoy peace of mind with sum insured options starting from AED 1 million.
• Flexible Co-Payment Choices: Tailor your plan with co-payment options of 0%, 10%, or 20%.
• Direct Access to Hospitals: Benefit from direct access provisions which allow you to easily reach out to clinics, clinics and specialists, and clinics plus hospitals (as per your coverage option).
• Maternity Coverage: With this plan, expecting mothers can receive the best care by opting for day 1 coverage that includes maternity.
• Auto Recharge Conditions: While the plan offers auto recharge, it's essential to know its specifics - 
• Yearly Validity: The recharge only stands valid for the year it's applied.
• Claim Exclusions: The feature doesn’t apply to any illness or injury already claimed in the same policy year, nor to pre-existing conditions and maternity-related treatments.
• No-Claim Bonus Limitations: Although the plan rewards claim-free years with a no-claim bonus, the accumulated bonus cannot exceed 50% of the sum insured in a single year.
• Comprehensive Claim Assistance: With a promise of guaranteed assistance within 30 minutes in India, Policybazaar ensures that you're never alone during emergencies and facilitates seamless interactions with insurers, TPAs, and hospitals.
• Simplified Claim Process in UAE: Policyholders can easily reach out to network providers like Mednet and Dubai Care to streamline the claim process within the UAE.

Who Should Buy Dubai Insurance NRI Care Health Plan?

To illustrate the distinct advantage of the Dubai Insurance NRI Care Health Plan, let's consider the journey of Mr. Rajan.

Meet Mr. Rajan: A 35-year-old software engineer from India, he is now working in Dubai. Every year, he visits his family in Mumbai. As he plans his trip, he also invests in travel insurance so that medical emergencies don't catch him off-guard. 

Like many, he's also pondered his retirement plan – potentially returning to India. But the transition isn't just about relocating; it's also about ensuring continuity in health coverage.

Why Mr. Rajan Chose Dubai Insurance NRI Care Health Plan?

• On his annual trips to India, he no longer needed separate travel insurance. The NRI Care Health Plan offered him cashless benefits across many hospitals in India, making his visits hassle-free and economically efficient.
• The vast network of hospitals across multiple cities in India meant he could avail of top-tier medical services without reaching for his wallet first. No pre-approvals, no tedious claim reimbursement processes – just straightforward, high-quality care.
• As retirement lurks on the horizon, the decision to move back to India becomes easier.
• While he loves his life in Dubai, he does miss the familiarity of healthcare back home. The NRI Care Plan offers annual health checkups in India, ensuring that he's in peak health while also reconnecting with his roots.
• If Mr. Rajan makes a claim, the plan automatically reinstates the sum insured for that year. Plus, if he remains claim-free, he benefits from a no-claim bonus that enhances his coverage amount annually. 

However, the recharge is available only for future claims, not for any illness or injury for which a claim has already been made during that policy year. It does not apply to pre-existing conditions and maternity-related treatments.

• While its India-centric features are compelling, the plan doesn't compromise on its primary purpose — comprehensive health insurance in the UAE. With a robust network of renowned hospitals, flexible co-payment options, and a significant sum insured, his UAE medical needs are well catered to with this plan.

Meet Mr Harbhajan: Mr. Harbhajan, an IT consultant based in Dubai, had his life perfectly mapped out. With a promising career and a blissful family life, there wasn’t much he could ask for. His wife, Manpreet, recently transitioned to Dubai on a dependent visa, making their UAE life complete. 

Anticipating the medical expenses of the pregnancy, Harbhajan decided to avail of top-notch health insurance coverage for himself and his wife. He chose the Dubai NRI Care Plan, which not only covered his wife's medical requirements in the UAE but also provided a safety net for potential healthcare requirements in India. 

After 3 months, a delightful surprise was on the horizon when Manpreet discovered she was pregnant.

Here are a few reasons why NRI Care Health Plan proves to be a good move -

• With the NRI Care Plan, Harbhajan was assured that during the pivotal moments of childbirth, they wouldn't have to worry about immediate medical expenses. With the plan’s cashless claim system, all they needed to focus on was welcoming their new bundle of joy, either in India or UAE.
• Knowing that many couples prefer to be closer to the family during childbirth, the plan offered a seamless transition to claim in India. This meant that Manpreet could deliver their baby amidst the love and support of their extended family back home.
• Harbhajan appreciated that the plan wasn’t just about delivery costs. It also covered prenatal and postnatal expenses, ensuring that Manpreet received the best care during every stage of her pregnancy.
• Understanding the emotional and physical support that a couple may require during childbirth, being insured with the Dubai NRI Care Plan allowed them to be in India during this significant life event. This presence of extended family made the whole experience even more special.
• As a forward-thinking individual, Harbhajan also valued the plan's feature of Day 1 coverage for any potential health requirements of the child, thus setting a safety net in place for his growing family.

Compared to other health insurance plans, the Dubai Insurance NRI Care Health Plan offers an unmatched blend of benefits tailored for the Indian expatriate. It's not just about covering medical expenses; it's about creating a seamless healthcare experience that spans two nations, ensuring peace of mind today and for the future. For Mr. Rajan, Mr. Harbhajan, and many others like them, the choice becomes crystal clear here!

Claim Process for Dubai Insurance NRI Care Health Plan

With the Dubai Insurance NRI Care Health Plan, the claim process has been streamlined to ensure the utmost efficiency and convenience for its customers. Whether you're in the UAE or back in India, making a claim is straightforward. 

Let's focus on the details - 

Claim Process in UAE

1. If you require medical attention, immediately get in touch with the network provider. Here are the contact details for the same - 
   • Mednet: Call 800 4882 for immediate assistance.
   • Dubai Care: Dial 800-DUBINS for prompt guidance.
2. Visit any of the associated hospitals or clinics. Depending on your plan, the policy may have co-payment options of 0%, 10%, or 20%.
3. Furnish the necessary medical documents at the respective hospital or clinic.
4. Once the network provider verifies the documents and the claim's legitimacy, they will directly settle the bills with the healthcare provider as per the policy terms.

Claim Process in India

1. In case of emergencies or planned treatments, initiate contact through the designated helpline or email:
   • Policybazaar 24x7 helpline: Dial 1800 258 5881
   • Email: nricare@policybazaar.ae
   • Care Insurance Assistance: +91 9821437884 (Available from 8 am to 10 pm IST, all days a week) or email at corporateassistance@careinsurance.com
2. Choose from the extensive Care Health network, spanning over 9,000 hospitals in more than 300 cities across India.
3. With the unique promise of 30-minute guaranteed claim assistance, we at Policybazaar help you focus on recovery while we handle the nuances of the claim. Our specialists manage everything from documentation to liaising with insurers, TPAs, and hospitals. This personalised assistance is available in Delhi and more than 100 other cities.

How to Apply for Dubai Insurance NRI Health Care Plan?

Applying for the Dubai Insurance NRI Care Health Plan is a hassle-free and straightforward procedure with Policybazaar UAE, the trusted partner in this initiative. 

Step-by-step Application Process 

1. Visit Policybazaar UAE Official Website: Start your journey by heading to Policybazaar.ae.
2. Navigate to Health Insurance: On the homepage, locate and head to the ‘Health Insurance’ section.
3. Complete the Lead Form: Fill out the lead form by providing the necessary details. This will help in customising your options.
4. View & Filter Quotes: After submission, you'll be taken to the health insurance quotes page. Here, you can browse through various plans.
5. Select NRI Care Health Plan: Use the filter option and select the Dubai Insurance NRI Care Health Plan.
6. Wait for the Call: Once applied, a dedicated representative from Policybazaar UAE will get in touch with you, guiding you through the subsequent steps and any additional information or documentation required.

Advantages of Applying for NRI Care Health Plan via Policybazaar UAE 

1. Trustworthy & Reliable: As the plan is in collaboration with Policybazaar.ae, you're assured of a genuine product and stellar customer service.
2. Tailored Plans: Policybazaar UAE offers a custom-fit approach so that you get a plan that aligns with your needs.
3. Easy Comparisons: By viewing and comparing different health insurance options side-by-side, you can make an informed decision.
4. Efficient Customer Support: From initial inquiries to post-purchase queries, our dedicated team is always available to assist you.
5. Digital Convenience: Enjoy the perks of a digital platform – swiftness, efficiency, and accessibility from anywhere.
6. Bridging Countries: With Policybazaar’s strong presence in both India and UAE, you can benefit from streamlined processes, an understanding of both markets, and an enhanced customer experience that simplifies cross-border intricacies.

Check out some frequently asked questions related to the Dubai Insurance NRI Health Care Plan in the next section.

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Frequently Asked Questions

Q1. Why do NRIs in the UAE need a specific health insurance plan?

Ans: Many NRIs in the UAE find that their current medical insurance mandates prior approval for IPD health insurance claims made in their home country. This can result in out-of-pocket expenses and a tedious reimbursement process. 

The Dubai Insurance Company’s NRI Care Health Plan, powered by Policybazaar.ae, is designed to address these specific challenges and ensure seamless coverage in both the UAE and India.

Q2. What makes the Dubai Insurance Company’s NRI Care Health Plan stand out?

Ans: The plan is exclusively tailored for NRIs and offers coverage in both the UAE and India. It provides cashless in-patient treatments in India, portability benefits if you move back to India, a free annual health check-up in India, auto recharge of the sum insured, and attractive no-claim bonuses. With such attractive features, it's your comprehensive solution for healthcare coverage across borders.

Q3. Can I get immediate coverage for pre-existing conditions and maternity with this plan?

Ans: Yes, you have the option to get Day 1 coverage for pre-existing conditions and maternity (subject to declaration at the time of buying the plan). However, for portability in India regarding pre-existing conditions, continuous coverage in the UAE for 4 years is required.

Q4. How does Policybazaar.ae facilitate the NRI Care Health Plan?

Ans: Policybazaar, the only insurance distributor having a presence in both the UAE and India, serves as the sole point of contact for customers, simplifying processes like cashless claims, annual health check-ups, and portability. With Policybazaar’s extensive experience of serving over 1 million customers and strong network, users can be assured of timely and efficient services.

Q5. How do I initiate a claim if I'm in India?

Ans: For claims in India, start by contacting Policybazaar’s 24x7 helpline at 1800 258 5881 or sending an email to nricare@policybazaar.ae. Care Insurance can also be reached at +91 9821437884 between 8 am to 10 pm IST. The dedicated claim specialists will assist you throughout the process, ensuring smooth coordination with insurers, TPAs, and hospitals.

Q6. How do I initiate a claim if I'm in the UAE?

Ans: In the UAE, you can reach out to Mednet at 800 4882 or Dubai Care at 800-DUBINS for claim assistance. With the combined expertise of Policybazaar.ae and its network providers, you can be assured of a hassle-free claim process.