A woman’s body changes dramatically during pregnancy. As a result, it is critical to keep track of everything linked to her health in order to ensure her well-being. Her health is also linked to the health of her unborn child. This is one of the main reasons why a woman should see her doctor on a frequent basis throughout her pregnancy and afterward. However, if your health insurance plan does not include maternity coverage, the costs associated with pregnancy can burn a hole in your wallet. If you are married and planning to have a child, you are eligible for pregnancy insurance in the United Arab Emirates. A comprehensive maternity insurance coverage will cover all of the expenses associated with your pregnancy from start to finish. Pregnancy expenditures in Dubai, including prenatal and postoperative care, can range from AED 20,000 to AED 30,000 or more, depending on the kind of birth.
Which insurance is best for maternity in UAE?
Having a baby is a wonderful and exciting event. This joy, however, is accompanied by the responsibility of caring for the baby and your health throughout the pregnancy. This can be exhausting both physically and monetarily. If you live in the UAE and plan to start a family soon, you will need to get medical insurance. You can’t just buy any insurance; you have to do your homework and find the policy that best meets your needs. You must understand what kind of coverage the insurance provides, as well as what it does not cover.
Maternity insurance is advised for couples planning to start a family soon. The costs of labor and subsequent medical procedures, such as drugs, diagnostic tests, post-natal visits, vaccines, and, in the worst-case scenario, birth defects and difficulties during childbirth, can burn a hole in your wallet. You must also decide whether you want your health insurance to cover your newborn.
All medical insurance coverage must now include basic maternity benefits, which must cover at least AED 7,000 for a normal delivery and AED 10,000 for a medically necessary caesarean surgery, according to the Dubai Health Authority’s recent regulations. Previously, insurance companies required a 12-month waiting period before granting maternity benefits, but this requirement has recently been removed. While many health insurance companies provide foreign maternity coverage, it is usually at a price.
Regular maternity health insurance will cover fees for regular hospital deliveries, C-sections, drugs, and pre- and post-natal care. Extra coverage for fertility therapy, neonatal care, and congenital birth problems may be available at an additional fee. Check your policy’s terms to discover whether there is an upper age limit for receiving maternity benefits. Because their pregnancies are high-risk and more likely to cause difficulties during pregnancy and delivery, several foreign health plans do not cover maternity care for women over 44 years old. A elective caesarean section, a medically necessary caesarean that follows a previous voluntary caesarean, multiple births, and early deliveries are all common maternity exclusions.
Health insurance policies with maternity coverage are available from firms such as Integra, Daman, Orient Insurance, Oman Insurance, BUPA, AXA Gulf, Cigna, Aetna, and Morgan Price. To make your insurance decision easier, below are some of the most popular maternity products:
AXA Gulf Health Perfect is a health insurance company based in the United Arab Emirates.
With over 50,000 subscribers, AXA Gulf is one of the largest health insurance carriers in the UAE. All GCC health regulators have approved it to provide maternity benefits in each of its health insurance plans (HP1 to HP7) with direct billing. Outpatient maternity, pre- and post-natal problems, in-patient normal delivery, medically necessary C-section, and vaccines for children up to the age of six, as required by the Ministry of Health, are all included in their maternity benefits. Their medical insurance policies’ maternity coverage restrictions are as follows:
2) Bupa is a health insurance provider.
Bupa has a global network of over 800,500 medical professionals and partners with Oman Insurance Company in the UAE to deliver global health plans. Premier Health Plan, Elite Health Plan, and Ultimate Health Plan are the three health insurance policies they offer with pregnancy coverage. The most extensive maternity care is provided by their Ultimate Health Plan, which includes unrestricted access to specialists, doctors, therapists, and scans. Only Dubai residents are eligible for these plans.
3) Allianz Insurance Group
In conjunction with Arab Orient Insurance, Allianz Worldwide Care offers world-class maternal healthcare insurance in the UAE. The guarantee to resolve all claims within 48 hours and provide a 24-hour emergency helpline is their main selling point. Premier Maternity and Club Maternity are two particular maternity plans they offer. Club Maternity can only be purchased with the Club Individual Core Plan, while Premier Maternity can only be purchased with the Premier Individual Core Plan. To make the policy a comprehensive insurance plan, you must to purchase an extra Outpatient Plan. The Premier Plan covers EUR 7,500 for ordinary maternity and EUR 15,000 for complicated maternity, whereas the Club Plan covers EUR 5,000 for normal maternity and EUR 10,000 for complicated maternity.
Morgan Price (No. 4)
This insurer is situated in the United Kingdom and offers both regional and worldwide coverage. Watania Insurance is the company that sells the coverage, and Amity Health, a third-party administrator, handles the claims. Morgan Price offers six health insurance plans that can be billed directly. Their maternity plans range from 6,000 to 18,750 dollars. They do not, however, provide benefits to premature newborns.
5) Cigna is an insurance company.
Cigna, a well-known international insurance business, has teamed up with the Saudi Arabian Insurance Company (SAICO) to offer international health insurance plans that include maternity coverage. They provide you the option of including outpatient coverage in your policy. They do not, however, provide direct billing.
Many maternity insurance policies include coverage for childbirth. As a result, you must carefully select an insurance plan that best meets your needs.
6) National Insurance Company of Abu Dhabi (ADNIC)
ADNIC, one of the UAE’s oldest insurance companies, is a multi-line insurer that works with a number of TPAs, including NEXtCARE, NAS, and FMC. Unlike most other insurers, ADNIC does not have a maternity benefit sublimit. Up to the annual limit, members are insured. This can vary from AED 250,000 to AED 5,000,000, with AED 30 to AED 50 deductibles. Outside of the network, ADNIC also covers its members for maternity. This might range from AED 15,000 to AED 50,000, depending on the plan.
Can you get maternity insurance if already pregnant in UAE?
In the UAE, delivery costs typically range from AED 20,000 to AED 30,000. Consultations with an OB-GYN, ultrasound scans, and other essential testing, as well as hospital stays, are included in the price. This might put a person’s finances under a lot of stress. As a result, it’s ideal to have a current Maternity Insurance policy in place to assist cover these costs.
Any firm must provide health insurance that includes maternity benefits for their employees, according to a law established by the Dubai Health Insurance in 2013. The benefits of such health insurance include coverage for the employees’ family. When choosing maternity insurance plans, keep in mind that you should plan ahead of time. Don’t wait if your employer doesn’t offer you such an insurance. They can take advantage of the plan’s benefits instead of applying for one ahead of time, as most insurers require a moratorium or waiting period.
If you have an existing maternity plan, the insurance company will usually notify you that you will have to wait 6 to 12 months before filing a claim. This is a preventative measure that will save them money by preventing them from losing money due to immediate claims and giving away free coverage. Due to increased competition, several corporations have chosen to skip such a waiting time in recent years. As a result, if the insured was not pregnant when the policy was purchased, there is a potential for an immediate claim.
Depending on the sort of coverage you chose in the first place, there are a variety of maternity health insurance plans accessible in the UAE. In most cases, these are included in the maternity coverage of a typical policy:
– Prenatal Services: This plan covers up to a 10% co-insurance and includes eight consultations with an OB/GYN, three ultrasound scans, and a variety of basic beginning investigations.
– Childbirth and hospitalization: The coverage limit, according to the Dubai Health Authority judgment, is AED 7000 for a regular delivery and AED 10,000 for a medically necessary C-section, complications, and medically necessary termination of pregnancy. These are likewise covered, with the insured paying a maximum of 10% co-insurance. In the event of an emergency, a claim must be approved by the insurance carrier within 24 hours.
– Postnatal Services: These address any issues that arise during the first eight weeks after childbirth.
– Neonatal Care: In the instance of a newborn, newborn care will cover them for a minimum of 30 days. This includes BCG and Hepatitis B vaccinations, as well as neo-natal screening tests.
Most insurers will refuse to cover women who are already pregnant, and those that do will charge up to AED 25,000 in premiums. This will not stack unless the applicant feels the need for financial protection in the event of future pregnancy-related difficulties. In the event that insurance is not available, additional methods of cost reduction must be considered. Private hospital maternity packages and government health cards for low-cost care at public hospitals are examples of this.
– Some drugs, procedures, and treatments are not covered under these plans.
– Issues involving past voluntary terminations of pregnancy, multiple births, and voluntary C-sections are generally not covered.
What is maternity insurance?
This is a sort of insurance that covers all of the costs related with birthing for a set length of time. You can purchase it as a stand-alone policy or as an add-on health insurance policy with pregnancy coverage for an additional price.
Can you get health insurance if you are pregnant?
When you’re pregnant, you can get health insurance. However, if you’re unsure about when to get maternity insurance, it’s best not to wait. This is due to the lack of readily available maternity insurance without a waiting time. In most cases, you will have to wait three to four years to benefit from this coverage.
Is pregnancy considered a pre-existing condition for health insurance?
If you are already pregnant, most insurance companies will not give you with maternity coverage. This is due to the fact that they consider your pregnancy to be a pre-existing condition that is not covered by your policy.
What is covered under maternity insurance?
Maternity insurance covers all expenses for your birth up to a pre-determined level. Coverage is offered for both normal and C-section births. Some policies may additionally cover the expense of canceling an insurance policy owing to problems. For a set sum of maternity insurance, some insurers cover pre- and post-natal expenses as well as newly born baby coverage.
How is maternity insurance premium calculated?
A maternity insurance policy has a higher premium than a typical medical insurance plan. Because the likelihood of a claim being submitted under the policy is 100%, insurers charge a higher premium for these policies. Before deciding to purchase such coverage, you should conduct a thorough cost-benefit analysis of the various plans offered by various insurance providers.
It’s important to know that the cost of maternity insurance rises as you get older. Furthermore, the expenditures of pregnancy are increasing every day. It is recommended that you get a plan today rather than waiting to ensure that you may get a cheap plan with the most features.
You might also be interested in learning more about what to look for in a Maternity Insurance Plan.
The preceding information is provided solely for the purpose of illustration. Before finalizing the sale, please see the policy wordings and prospectus for further information.
What type of insurance is best for pregnancy?
Your income and whether your (or your spouse’s) company provides health insurance will decide the best health insurance for pregnancy. Employer-provided coverage, ACA plans, and Medicaid are the three types of health insurance policies that provide the most economical options during pregnancy.
Employer-sponsored health care
Employer-provided coverage, either through the mother or her spouse, is the simplest health insurance choice for pregnant women. This is especially beneficial if your employer pays a percentage of your health insurance premiums, lowering your out-of-pocket costs. It’s worth noting that some employer-sponsored health-care plans have a waiting period, usually three months from the start of coverage, during which no benefits are granted. This is to prevent sick people from waiting until they are unwell to apply for health insurance.
The Health Insurance Portability and Accountability Act (HIPAA) allows you to enroll in a plan after the birth of a child, but it does not allow you to enroll after getting pregnant.
Adult children who are listed as dependents under an employer’s health insurance plan are not covered for pregnancies or their offspring. This could be a problem because you can stay on your parents’ plan until you turn 26. In this instance, looking into Medicaid or marketplace health insurance may be the best health insurance alternative.
Marketplace health insurance
Marketplace health insurance must cover all of the ACA’s essential health benefits, including maternity care. Furthermore, the insurer will not be able to deny coverage due to a preexisting ailment, and there will be no waiting time.
A marketplace insurance may usually only be acquired during your state’s open enrollment period, so you’ll need to plan ahead. If you have a qualifying life event, such as a job loss, you can purchase an ACA plan.
How do I get maternity insurance when pregnant?
While you can receive ordinary health insurance while pregnant, most employers consider pregnancy to be a pre-existing illness, so you won’t be able to get maternity coverage.
Is epidural covered by insurance in Dubai?
In Dubai, the cost of a baby, including prenatal and postoperative care, ranges from AED 20,000 for a normal delivery to AED 30,000 for a cesarian delivery.
Things to consider
It’s worth noting that having sexual intercourse outside of marriage is banned in Dubai and the rest of the UAE, therefore pregnancy outside of marriage is prohibited.
There are a number of factors to consider when investigating your insurance alternatives.
To begin, most insurance companies will impose a moratorium on your insurance policy for maternity coverage. A moratorium is a 12-month term during which you must wait before filing a claim. This means that if you need maternal treatment during this time, your insurer will not cover you. So you’ll want to think about how long you’ll have to wait before you can get pregnant.
Medical coverage is divided into three categories: prenatal (before childbirth), delivery, and postnatal (after childbirth). You should think about the scope and constraints of each of these elements.
When it comes to prenatal or antenatal care, the number of consultations with an ob/gyn, the tests included, the number of ultra sound scans included, and whether you want antenatal classes, you should think about it all.
When it comes to delivery, you should consider which form of delivery you like, as well as whether or not your insurance covers it. Normal deliveries are less expensive, but they frequently exclude frills like epidural anesthesia and the use of medical tools. You should think about whether or not you want these included.
You’ll want to examine which hospitals are covered by your policy, as well as whether or not you’re satisfied with their quality and location. Other items to think about are the types of rooms: do you want a shared room (which is less expensive) or a private room? How many nights will you be able to stay in the hospital, and will your husband be able to accompany you?
Consider whether ‘extras’ such as epidurals, circumcision, blood transfusions, ear piercings, and other consumables are included.
EBP Maternity Cover
The Essential Benefits Plan (EBP) is Dubai’s legal minimum level of health insurance. The EBP only covers a portion of maternity leave; here’s what’s covered:
There is a 10% co-insurance for out-patient and in-patient maternity services that must be paid by the person insured.
The Employer’s Information Pack from DHA contains all of the basics about EBP coverage.
Is C section covered by insurance in UAE?
One of the most essential things residents search for in health insurance in the UAE is maternity coverage. Maternity coverage can refer to a variety of benefits in the medical insurance market. The most prominent example is childbirth, in which the insurer pays for the mother’s medical expenses.
Prenatal care is a second benefit that may be included in pregnancy coverage. This could include regular OB/GYN check-ups prior to childbirth. Insurance companies typically cover a set number of doctor visits, tests, and scans. Another essential benefit that may be included in a policy is the postnatal complications benefit. This usually refers to the first six to eight weeks following delivery. This benefit is frequently included in policies that cover the mother in the event of difficulties during or after childbirth.
Another advantage of maternity insurance is infant care. In the United Arab Emirates, certain medical insurance companies cover newborns for the first 30 days following birth (some premium policies cover the newborn infant for up to 90 days). This gives excellent protection in the event that the infant develops difficulties that necessitate an extended stay in the hospital.
While it’s critical to comprehend the various aspects of maternity coverage, it’s also critical to comprehend its restrictions.
If you’re already expecting a child, maternity insurance might not be right for you. From the perspective of the insurance business, they collect a premium from their consumers in exchange for providing protection against future medical bills. The attempt to collect more in insurance premiums than they pay out in medical bills is a key aspect of their business model. Covering someone who is already pregnant makes no financial sense for the insurer unless the premium they collect exceeds the cost of maternity coverage.
Assume the regular cost of medical insurance is AED 6,000 for a healthy, non-pregnant female. The insurance company would lose money if the female in our scenario became pregnant and delivered a kid, because the medical claims they would have to pay out are more than the premium they collected. If an insurer covers someone who is already pregnant at the standard rate, they are effectively guaranteeing a loss.
In reality, if an applicant is already pregnant, the insurance company will almost always raise the premium by at least AED 25,000 to account for both the cost of childbirth and the risk of any difficulties that may arise. In other words, the applicant would be better off paying for the child’s birth out of pocket than than purchasing health insurance. The only benefit of purchasing a medical coverage in this situation is that you will be covered for any issues that may arise during or after the pregnancy.
A maternity package from a hospital is a terrific alternative for couples who are already expecting a child. You can find a variety of packages in the UAE that include accommodation expenses and medical fees during childbirth. Prenatal and postnatal exams are also available at some hospitals. In the UAE, maternity packages normally start at AED 5,000.
The Dubai Health Authority (DHA) has established a minimum level of benefits that must be supplied in every health insurance policy issued in Dubai as part of its new rule mandating health insurance coverage for all Dubai citizens.
Every medical plan must cover regular deliveries up to AED 7,000 and medically required C-sections up to AED 10,000. For maternity coverage, the maximum co-payment has been established at 10%. For at least the first 30 days after birth, newborns must be covered. Unfortunately, the DHA has not established any waiting period requirements. As a result, many insurers still impose a 6-month waiting time before allowing the policyholder to use the maternity coverage. The good news is that many health insurance companies offer maternity coverage without a waiting period and at reasonable rates! By going here, you can easily compare over 60 medical insurance alternatives.
Health insurance policies in Abu Dhabi have a maximum deductible of AED 500 per childbirth and AED 20 every prenatal check-up.
Is NICU covered by insurance in UAE?
According to the Dubai Health Authority, parents of premature babies may now rest easy knowing that maternity insurance will be included in the mandatory basic package in Dubai.
Expatriate parents in Dubai who suffer issues during pregnancy or premature newborns who need a protracted stay in a hospital’s Neo Natal Intensive Care Unit (NICU) will be able to take advantage of a more comprehensive insurance plan devised by the DHA.
The daily charges at a government hospital’s NICU unit range from Dh2,000 to Dh4,000, and this does not include medicine or laboratory investigation fees.
According to Dr Haidar Al Yousuf, DHA’s Head of Health Funding, under the new insurance rules established in 2013, which would cover the entire population by 2016, every resident will have at least basic coverage, which will include maternity care.
“Under the mother’s coverage, the essential benefits package covers the child for 30 days.” The policy’s total annual limit cannot be less than Dh150,000 per year, and it is frequently greater. The essential benefit package is the minimal minimum of coverage that employers are required to provide, and it includes maternity care coverage. So, as and when the phased introduction of health insurance takes place, and the public is insured according to the DHA timetables, all of these instances will receive the necessary coverage, if not more,” stated Dr. Al Yousuf.
When fully implemented, the new law will apply to all new policies in Dubai. According to Dr. Al Yousuf, the DHA has an electronic platform for monitoring health insurance transactions (e-claim link) and an electronic patient feedback/complaints portal for any patient inquiries/complaints (I-promes) where all cases would be considered. According to Al Yousuf, the minimum coverage for all pre-term babies will be Dh150,000.
“So far, figures available on the insured population show that the total number of babies admitted to NICUs in Dubai in 2013 was 3.1 percent of the total number of live births in Dubai,” Al Yousuf added. Only 0.08 percent of the time was the bill greater than Dh150,000. Dr. Al Yousuf explained that fewer than 0.1 percent of the population may require additional support.
“There are models to cover scenarios that aren’t entirely covered by insurance,” he explained, “and the system includes embedded solutions to look into such cases.”
Although DHA hospitals have the largest NICU wards in the country, some parents of premature babies have complained of long waiting lists due to a lack of beds. According to a DHA spokeswoman, the NICU wards at Dubai Hospital have added 12 new beds, while Latifa Hospital is adding 16 new beds to satisfy the growing demand.
NICUs on a tertiary level are currently available in both institutions. A 48-bed NICU unit is located in Latifa Hospital, while a 32-bed unit is located at Dubai Hospital. Babies with the lowest gestational age and birth weight, which are 24 weeks and 500 grams, are admitted to the hospitals.
Both facilities provide level III (tertiary level) neonatal intensive care, which is the highest degree of treatment for babies, according to the American Academy of Paediatrics.
Does AXA cover pregnancy?
Get the help you need before and after your baby is born, with prenatal and postnatal consultations covered. Have peace of mind knowing that we can cover medical concerns that emerge throughout pregnancy and delivery; we’ll be there for you and your baby no matter what happens.
Is maternity insurance mandatory in Dubai?
Is maternity insurance required in the United Arab Emirates? In Dubai, a health insurance policy that includes maternity coverage is required under the Dubai Health Insurance Law (11) of 2013. Employers are likewise required by law to provide such coverage to their employees.