Union Critical Illness Health Insurance

For those seeking comprehensive financial protection against critical illnesses, the company offers Union critical illness health insurance too. With this type of health insurance in UAE, you can receive financial assistance that can be of help in not just managing the treatment but daily expenses as well.

Let’s find out more about the critical illness health insurance plan provided by Union Health Insurance.

Union Smart Critical Illness Policy

Considering the hefty expenses involved in the treatment of critical conditions, your standard health insurance plan may prove insufficient in such cases. Moreover, as critical illnesses often leave the patient incapable of working for some time, they may face a loss of income as well.

With a critical illness health insurance plan, however, you won’t need to worry about such scenarios! On being diagnosed with a critical condition like paralysis or cancer, your critical illness plan can provide a lump sum amount. This amount can cover not only your medical expenses but day-to-day expenditures as well.

Coming to Union critical illness health insurance, the company’s plan is available under the name Smart Critical Illness plan. With this plan, you can have financial support when dealing with serious ailments as this policy ensures that benefits are promptly paid upon the diagnosis of any covered critical illness.

General Inclusions of Union Critical Illness Health Insurance

Listed below are the major conditions and diseases covered under the Smart Critical Illness plan -

Heart attack
Coronary artery bypass surgery
Kidney failure
Cancer
Paralysis

Limb(s) loss
Major organ transplant
Stroke
Renal Failure
Coma
Multiple Sclerosis

General Exclusions of Critical Illness Health Insurance

Check out the general exclusions of critical illness health insurance plans in the UAE -

Diseases resulting from lifestyle habits such as smoking, drinking, drugs, or substance abuse
Congenital diseases resulting in death within 30 days of diagnosis
HIV/AIDS
Pregnancy and childbirth-related complications

Key Benefits of Union Critical Illness Health Insurance

Here are the key features and benefits of the Smart Critical Illness plan -

Comprehensive Coverage: As we saw earlier, this policy covers various critical illnesses, including but not limited to stroke, multiple sclerosis, heart attack, loss of limbs, renal failure, coma, paralysis, bypass surgery, cancer, and major organ transplant. With such extensive coverage, you can ensure that you will be prepared to face any health challenge that comes your way.
Coverage Around the World: Medical emergencies can strike anytime and anywhere. With this Union critical illness health insurance plan, however, you can have peace of mind knowing that you are covered 24x7 globally throughout the policy term.
High Coverage Limit: The policy provides coverage of up to AED 800,000 in case a critical illness that is present under the inclusions of the policy or not particularly given under exclusions is diagnosed. This substantial coverage ensures that you have the financial resources to tackle medical expenses without worry.
5-Year Policy Period with Fixed Premium: With a five-year policy period, you have the added advantage of a fixed premium, making it easier to plan your finances. Additionally, the annual payment of this Union critical illness health insurance plan simplifies the policy management process for you.
Seamless Enrolment: Enrolling in the Union Smart Critical Illness policy is a hassle-free process, as it does not require you to undergo any medical examinations. This seamless process ensures that you can obtain the financial protection that you need without unnecessary delays.

Key Factors to Weigh When Choosing a Critical Illness Health Insurance Plan

Here’s what you must keep in mind to get the best critical illness health insurance plan for yourself -

Thoroughly Review Policy Wording: Take your time to carefully read and understand the policy's terms and conditions. Pay attention to what is covered and what is not. As definitions and exclusions can vary among insurers, it is always advisable to seek clarification from your insurance provider in case of any doubts.
Transparency in Medical History: Honesty is indeed the best policy when disclosing your medical history to the insurer. Providing accurate information is crucial, as the insurer will review your medical background when processing a claim — being dishonest or omitting important details could lead to claim rejection.
Explore the Option of Premium Waiver: To enhance your protection, you may find the option to pay an additional premium for a 'waiver of premium' benefit. This feature ensures that your monthly premiums are covered if you are unable to work due to illness or injury, safeguarding against policy cancellation for missing payments. Keep in mind that this feature typically activates after at least 6 months of sickness.
Compare Your Options: Take time to explore different plans before making a decision. Another point to note here is that you can switch to a different provider or even change policies within the same company at the time of renewal. When doing so, carefully review the changes in the new policy and the conditions it covers.
Be Mindful of Age-Related Costs: While seeking a better deal, keep in mind that your age at the time of purchasing the policy can impact the premiums. As you grow older, you may pay slightly more than you did when you first bought the policy.

Remember, finding the right critical illness health insurance plan requires careful consideration and due diligence. By adhering to these key points, you can make an informed decision that ensures your financial security in the face of critical health challenges.