Union Health Insurance
Established in 1998, Union Health Insurance is based out of Dubai and has a plethora of health insurance plans like the Sanad Plan and Essential Benefits Plan. These plans offer coverage in the UAE and can be extended to Southeast Asia. One of the reasons to go with Union Health Insurance is that ...read more
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AED 1 million Health cover starting @4/Day
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Union Health Insurance was established in the year 1998 with paid-up capital of more than 330 million AED & has its corporate office in Dubai. The company is licensed by the United Arab Emirates Insurance Authority and it is listed on the Security Exchanges of Abu Dhabi. The Union medical insurance company is renowned for offering a comprehensive range of commercial & retail insurance products to its clients in the UAE and Middle East region.
In its health insurance range, the company offers an array of plans for securing the health of the individual and or group. The customer support team of Union Health Insurance Company is available 24x7 to help its clients in case of emergencies.
Union Health Insurance UAE Plans
Compare & Buy Union Health Insurance Plans in UAE
Features & Benefits of Union Health Insurance
Following are the features & benefits of the plans offered by Union Health Insurance:
- Coverage: Union Health Insurance Company offers comprehensive coverage to secure the health of an individual.
- Geographical Territory: It offers coverage in UAE and can be extended to South East Asia (only for inpatient treatments as per 100 percent UAE customary rates).
- Competitive Rates: The Union Medical Insurance Company offers health insurance dubai premiums at competitive rates. Therefore, the company helps an individual to deal with the requirement of minimum medical insurance as per the Dubai Health Authority.
- Easy Claim Settlement: The claim settlement process is quite convenient. The team of experts at Union Health Insurance makes sure that the claims of the policyholder are processed in a hassle-free manner.
- Best Customer Support: The Company offers 24x7 customer support to its clients in case of emergencies.
- Network List: Union Insurance Network hospital list Available.
Best Union Health Insurance Plans in the UAE
Here are the Union Medical Insurance Plans in Dubai, UAE for 2022:
| Plan Name | Annual Limit | COVERAGE REGION | Network | Price |
|---|---|---|---|---|
| Sanad Plan | AED 1,50,000 | United Arab Emirates | NextCare TPA -PCP & RN3 Network | View Quotes |
| Essential Benefits Plan | AED 1,50,000 | United Arab Emirates | NextCare PCP -C Network | View Quotes |
| See More Plans >>> | ||||
Features and Benefits of the Sanad Plan
Given below are the major features and benefits of the Sanad plan
- Annual health coverage limit per year – AED 150,000
- Basic Elective and Emergency Coverage – UAE (including the ambulance charges)
- Claim Submission (for hospitals within the network) - direct billing for both inpatient and outpatient treatments
- Existing and critical conditions – Covered after the first six months of the waiting period
Inpatient Services
- Room type – Semi-private
- Accommodation charges – fully covered
- Specialist treatment – fully covered
- In-patient specialist services like consultations and diagnosis as recognised by third-party administrators – fully covered
- Charges for surgeons and anaesthetists – fully covered
- Treatments like radiotherapy, computerised tomography, and chemotherapy as prescribed by the specialists – fully covered
- Emergency ambulance services – fully covered
- Companion accommodation for a child up to the age of 16 – Coverage of up to AED 100 per night
- Medication and drugs prescribed and administered during the inpatient or day-care treatments – fully covered
- Dental treatment (emergency treatment required to relieve pain caused by an accident only) – fully covered (the surgery should be performed within seven days from the date of the accident)
Outpatient Services
- Initial consultation and medical examination – 20% co-payment
- Diagnostic tests - 20% co-payment
- Prescribed physiotherapy treatment –covered for up to six sessions (with 20% co-payment)
- Radiotherapy, computerised tomography, and chemotherapy – covered with a 20% co-payment
- Medication and drugs prescribed and administered during treatment – annual limit of AED 1,500 with 30% co-payment
- Vaccines and other preventive measured – as per the guidelines of the DHA
Maternity Services
- Outpatient – Available with 10% co-insurance Coverage provided for testing related to
- FBC and platelets
- VDRL Blood group
- rhesus status, and antibodies
- HIV
- MSU and Urinalysis
- GTT risk patients
- Visit to OB-GYN as per the DHA antenatal care protocol and three ultrasound scans
- Inpatient – 10% co-insurance
- Benefit of up to AED 7,000 for normal delivery, AED 10,000 for medically compulsory C-section, complications, and medically compulsory termination
- Neonatal care for 30 days from the date of birth
Features and Benefits of Essential Benefit Plan – Dubai
- Indemnity limit – AED 150,000
- Basic Elective and Emergency Coverage – UAE (including the ambulance charges)
- Claim submission method - direct billing for both inpatient and outpatient treatments
- Pre-existing and critical illnesses – covered up to the aggregate limit after 6 months of waiting period (as per DHA’s guidelines)
- Inpatient services – fully covered
- Dental treatment – fully covered (the surgery needs to be done within seven days from the date of the accident)
- Initial consultation and medical examination for OPD patients – co-payment of 20%
- Preventive procedures and vaccination – Coverage for all essential vaccinations as per the guidelines of the DHA and preventive services for diseases like diabetes, Hepatitis C, cancer screening and treatment, hepatitis B
Maternity benefits
- Outpatient – 10% co-insurance; covered for up to 8 visits Examinations related to the following will be covered –
- FBC and platelets
- VDRL
- Blood group, rhesus status, and antibodies
- HIV
- MSU and Urinalysis
- GTT risk patients
- Visit to OB-GYN as per the DHA antenatal care protocol and 3 ultrasound scans
- Inpatient – 10% co-insurance
- Benefit of up to AED 7,000 for normal delivery, AED 10,000 for medically compulsory C-section, complications, and medically compulsory termination
- Neonatal care for 30 days from the date of birth
The Best Corporate Health Insurance Plans
Group health insurance is framed to provide the best medical services to the employees and enable you to take care of your employees to the greatest extent possible. The group health insurance plans of Union Insurance provide comprehensive coverage with a strong technical support, 24/7 customer care service, and more.
The following are some of the major group medical insurance uae plans offered by Union Insurance in the UAE –
Corporate plans
Coverage: UAE
Listed below are the key benefits of corporate plans –
- Substantial coverage offered by the best global and local reinsurance companies
- Thoroughly researched plans to offer you the most suitable solutions for potential risks
- Assistance from a dedicated account manager throughout the policy period
- A strong technical team with seasoned underwriters and portfolio managers
- Straightforward policy administration and claim handling using digital solutions
- Customised plans
- Network includes over 3,400 healthcare facilities where you can claim your insurance via direct billing
Essential Benefit Plan
Coverage: Dubai and Northern Emirates
- DHA-compliant plan that covers employees including your domestic help whose salary falls in the lower category
- A technical team that has expert underwriters and portfolio managers
- Focus on customer service - You get a dedicated account manager who will be available for guidance throughout the policy period
- A simple policy administration procedure and handling of claims
Small and Medium Enterprises Plans
Coverage: UAE
- Covers employees including your domestic help with low income
- A technical team comprising expert underwriters and portfolio managers
- Dedicated account manager who guides you throughout the policy period
- A simple policy administration procedure and handling of claims
- Network of over 3,400 healthcare facilities
- Round-the-clock customer service
Related Health Insurance
Union Health Insurance Inclusions
Listed below are some inclusions of Union Health Insurance:
| Category | Inclusions |
|---|---|
| In-Patient Benefits | Costs on Room & board for hospitalization |
| Day-care patient and in-patient | |
| Specialist physicians services for in-patient treatment coverage. | |
| Cover for in-patient specialist services including diagnostic procedures & consultations. | |
| Cover for surgeon’s & Anesthetists services. | |
| Cover for pre-approved minor surgical procedures at a recognized hospital, medical facility or private hospital. | |
| Cover for Chemotherapy, Radiotherapy, & Computerized Tomography received as an inpatient as referred by an approved specialist. | |
| Cover for the use of private road ambulances in times of emergency | |
| Cover for prescribed medicines & drugs | |
| Cover for accommodating a person with an insured child (up to 16 years of age) | |
| Cover for accommodating a person with an in-patient in that same room | |
| Out-Patient Benefits | Consultations including initial consultations & examinations in respect of a medical condition. |
| Prescribed out-patient diagnostic tests & physiotherapy treatment coverage | |
| Cover for Chemotherapy, Radiotherapy, & Computerized Tomography received as an out-patient as referred by an approved specialist. | |
| Out-patient medicines & drugs which require a prescription (except those being list in the list of exclusions) | |
| Maternity Benefits | Out-patient maternity benefits |
| In-patient maternity benefits | |
| Coverage for newborn | |
| Additional Benefits | Preventive services as specified by DHA for including initially the diabetes screening |
| Necessary inoculations and vaccinations for children as well as a newborn as specified in the policies of DHA | |
| Medical emergencies in case of treatment and diagnostic services for gum and dental treatment | |
| Medical emergencies in case of vision and hearing aids and vision correction through surgery & laser |
Union Health Insurance Exclusions
Following are the exclusions for Union health insurance individual plans only:
- Healthcare services which are not necessary medically.
- All medical expenses which are related to orthodontic treatments, dental treatment, & dental prostheses.
- Care for the sake of travelling.
- Custodial care which includes:
- Non-medical treatment services.
- Health-related services which do not result in an improvement in the medical condition of the patient.
- Services that don’t require continuous administration by specialized medical personnel.
- Surgical & non-surgical treatment for obesity as well as any other weight control programs, supplies, & services.
- Healthcare services for smoking cessation programs as well as the treatment of a patient who is addicted to nicotine.
- Services & treatment for contraception.
- External prosthetic devices & medical equipment.
Union Health Insurance Claim Process
The dedicated health insurance claim department of Union Health Insurance Company is always eager & available to help their customers in times of need. One can easily buy Union health insurance plans online and make a claim for the same online without any hassle. The easy online claim submission service ensures quick & smooth claim settlement. The four steps of the claim process are as follows:
- Step 1: Visit unioninsurance.ae and then log on ‘CLAIMS’ section.
- Step 2: Submit all the required documents.
- Step 3: The claim processing begins. Most of the times, it is because of improper documents that cause rejection of the claim. So, resubmit the documents to proceed further.
- Step 4: Claim will get approved.
Union Health Insurance FAQ's
Treatment for pre-existing & chronic conditions is covered subject to a waiting period of six months of first insurance membership with the insurer. After the 6 months, they are included.
Yes, you can opt for both in-patient & out-patient maternity services with Union Health Insurance Dubai, UAE. For in-patient, 10 percent coinsurance payable by the insured. In addition to this, normal birth delivery of a maximum of 7000 AED, up to 10,000 AED for medically necessary C-section, complications & for medically necessary termination of pregnancy is included under this Union health insurance plan. For out-patient, 10 percent coinsurance payable by the insured & covered up to eight visits. All care offered by the obstetrician for low risk or specialist obstetrician for high-risk referrals initial investigations is covered under this medical insurance plan.
All medical expenses related to dental treatment, orthodontic treatments, & dental prostheses are excluded from the Union Health Insurance plans.
Following are the modes of claim settlement:
| UAE Network: In-Patient & Out-patient: | Direct Billing |
| UAE Non-Network (if covered): In-Patient & Out-patient: | Not Covered |
| Abroad (if covered) | Reimbursement |
Union Health Insurance Dubai covers in-patient as well as out-patient medical encounters, healthcare treatments, surgical procedures, tests, medication, and maternity services to an annual aggregate limit of 150,000 AED.
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