Union Individual Health Insurance

With offerings like the Sanad Plan and the Essential Benefits Plan, they provide extensive coverage within the UAE and provisions to extend it to Southeast Asia. But what truly sets Union Health Insurance apart is its variety of plans and its commitment to its customers. When the time comes to make a claim, the Union Individual Health Insurance process is straightforward and devoid of unnecessary hassles.

In this write-up, we will learn more about Union Individual Health Insurance.

Plans Under Union Individual Health Insurance

Union Individual health insurance offers a wide range of benefits and coverages to cater to the diverse health needs of the community. Whether you require extensive medical care or preventive services, it ensures you're well cared for.

Let's explore the prominent features of the plans under Union Individual Health Insurance.

Sanad Plan

Features	Details
Annual health coverage	Limit per year – AED 150,000
Applicable Network	NextCare PCP - C Network
Basic Coverage	Elective and Emergency Coverage – UAE (inclusive of ambulance charges)
Claim Submission	Direct billing for inpatient and outpatient treatments within the network
Pre-existing and critical conditions	Covered post a six-month waiting period
Inpatient Services	Semi-private room, fully covered accommodation charges, specialist treatment, charges for surgeons and anaesthetists, and more
Outpatient Services	20% co-payment for initial consultation, diagnostic tests, and prescribed physiotherapy treatments
Maternity Services	Both outpatient and inpatient maternity benefits, with 10% co-insurance
Additional Benefits	Neonatal care for the first 30 days from birth

Essential Benefits Plan

Features	Details
Indemnity Limit	AED 150,000
Applicable Network	NextCare PCP - C Network
Basic Coverage	Elective and Emergency Coverage – UAE (inclusive of ambulance charges)
Claim Submission	Direct billing for inpatient and outpatient treatments
Pre-existing and critical illnesses	Covered up to the aggregate limit post 6 months of waiting period
Inpatient Services	Semi-private room, surgeon and anaesthetists’ services, radiotherapy, chemotherapy, and computerised tomography, dental treatment post-accident
Outpatient Services	20% co-payment for initial consultation and diagnostic tests, radiotherapy, chemotherapy, and computerised tomography, prescribed physiotherapy treatment
Maternity Services	Outpatient and inpatient maternity benefits, with 10% co-insurance
Additional Benefits	Neonatal care for 30 days from birth, preventive services, vaccines and immunisations, hearing and vision aids, diagnostic and treatment benefits for dental and gum treatments.

The extensive coverage provided by Union Individual Health Insurance plans, such as the Sanad Plan and the Essential Benefits Plan, ensures individuals and families receive top-notch health care without the added financial strain. With Union Individual Health Insurance, you're not just investing in a policy; you're investing in peace of mind.

Key Features and Benefits of Union Individual Health Insurance

In today's unpredictable times, having robust health insurance like Union Individual Health Insurance is essential for peace of mind and comprehensive health protection.

Let's dive into the distinctive features and benefits that make Union Health Insurance a preferred choice for many:

• Comprehensive Coverage: Union Health Insurance Company is dedicated to ensuring individuals have access to wide-ranging health protection. They offer a robust plan that covers various medical contingencies, ensuring you're always in safe hands.
• Geographical Reach: With Union Health Insurance, your health insurance coverage isn't restricted. While the primary focus is the UAE, coverage can also be extended to South East Asia. However, this is particularly for inpatient treatments and is aligned with 100 per cent UAE standard rates.
• Affordable Premiums: Union Medical Insurance Company steps offers health insurance premium at affordable rate., aligning with the requirements set by the Dubai Health Authority.
• Hassle-Free Claim Settlement: Union Health Insurance ensures that policyholders experience a smooth claim process with their team's assistance, ensuring swift settlements without complications.
• Round-The-Clock Customer Support: The company provides 24x7 customer support, ensuring that clients always have a helping hand whenever they need it.
• Extensive Network List: With the Union Insurance Network, policyholders have access to a broad list of hospitals, ensuring they always find quality healthcare no matter where they are.

Eligibility Criteria for Union Individual Health Insurance

When considering Union Individual Health Insurance, it's essential to understand the eligibility criteria. Health insurance plans in the UAE come with specific requirements to ensure that they cater to the right demographic.

Here's a breakdown of the general criteria:

Category	Eligibility Criteria
Age Limit	Individuals aged between 18 and 99 years are eligible.
Renewability	Renewal terms are determined based on the provider's policies.

With these features, benefits, and clear eligibility criteria, Union Individual Health Insurance stands out as a comprehensive and reliable health insurance option in the UAE.

BALSAM: The Value-Added Service of Union Insurance Health Plans

Union Insurance introduces its unique service: BALSAM. This service goes beyond the conventional health insurance offerings, filling the gaps with a suite of programs tailored to address specific needs that may not be covered under regular health insurance plans.

• Beauty with Balsam - Access exclusive deals to cater to your essential beauty requirements.
• Balsam's Health Insight - Benefit from crucial medical screenings to detect potential health concerns early, and that too, at an incredibly reduced cost.
• Dental Care by Balsam - Grab special promotions for both regular and aesthetic dental treatments across numerous clinics in the UAE.
• Nourish with Balsam - Opt for nutritious meals at reduced prices, courtesy of our esteemed partners.
• Clear Vision with Balsam - Avail of extensive discounts on eyeglasses, treatments, and other eye-related services.
• Wellness Journey with Balsam - Experience therapeutic treatments that go beyond regular policy inclusions, all at pocket-friendly rates.

What is Included Under Union Individual Health Insurance?

With meticulous attention to detail and insights into the healthcare domain, Union Individual Health Insurance offers a vast array of advantages to those who hold its policies. Let’s explore the specifics of this coverage:

In-Patient Benefits:

• Hospital room and board costs are covered during hospitalisation.
• Both day-care patients and in-patients have provisioned benefits.
• Specialist physician services are provided for those undergoing in-patient treatments.
• In-patient specialist services, including consultations and diagnostic procedures, are covered.
• Surgeon and anaesthetist services during surgical procedures have provisioned coverage. Pre-approved minor surgical procedures, whether at a recognised hospital, medical facility, or private hospital, are covered.
• Treatments like Chemotherapy, Radiotherapy, and Computerised Tomography, when received as an in-patient and referred by an approved specialist, are included.
• During emergencies, the cost of private road ambulance services is covered.
• Prescribed medicines and drugs during the in-patient stay are covered.
• Accommodation for a guardian or parent with an insured child up to 16 years is provided.
• If an in-patient needs a companion, their accommodation in the same room is covered.

Out-Patient Benefits:

• Consultations are covered, be it initial or follow-up related to any medical condition.
• Out-patient diagnostic tests and physiotherapy treatments have provisioned coverage.
• Treatments like Chemotherapy, Radiotherapy, and Computerised Tomography are included when received as an out-patient and referred by an approved specialist.
• Prescribed medicines and drugs for out-patients are covered with certain conditions.

Maternity Benefits:

• Out-patient maternity services and benefits are included.
• In-patient maternity services and related benefits are covered.
• Newborns also receive specific coverage under Union Individual Health Insurance.

Additional Benefits:

• Preventive services, as specified by the DHA, are included. This notably covers diabetes screening.
• Necessary vaccinations and inoculations for newborns and children, as detailed in the DHA policies, are covered.
• Medical emergencies related to gum and dental treatments, vision and hearing aids, and vision correction through surgeries, including laser, are included.

Exclusions of Union Individual Health Insurance:

While Union Individual Health Insurance offers numerous benefits, certain exclusions are important to note:

• Services that are not medically necessary are excluded.
• Expenses related to orthodontic treatments, dental treatments, and dental prostheses are not covered.
• Any care primarily for travel purposes is excluded.
• Custodial care is not covered. This includes non-medical treatment services, health services that don’t result in medical improvement, and services not requiring continuous administration by specialised medical personnel.
• Treatments related to obesity, weight control programs, supplies, and associated services are excluded.
• Programs or treatments for quitting smoking and nicotine addiction treatments are not covered.
• Contraception-related services and treatments are excluded.
• External prosthetic devices and specific medical equipment are outside the coverage.

When evaluating health insurance options, it's essential to be clear about what's included and what's not. Union Individual Health Insurance, known for its extensive protection and clear policy terms, assists customers in making knowledgeable choices about their health requirements.

Platforms like Policybazaar.ae make the process easier for those exploring health insurance options. Policybazaar.ae offers a comparative analysis of various insurance plans, including those from Union Individual Health Insurance. This helps potential policyholders make informed decisions, ensuring they get the best coverage for their needs.

Frequently Asked Questions