In the UAE, health insurance is mandatory for all residents, including senior citizens. However, finding comprehensive and affordable health insurance for seniors can be challenging due to increased healthcare needs and potential pre-existing conditions.
Types of Health Insurance
Plans:
- Individual Plans:
Policies purchased directly by the individual or their family, offering a
range of coverage options and flexibility in choosing benefits.
- Group Plans:
Typically provided by employers to their employees and may extend coverage
to dependents, including elderly parents.
- Government-Sponsored Plans:
The UAE government provides basic health insurance coverage for Emirati
citizens through programs like Thiqa in Abu Dhabi and SAICO in Dubai.
Key Considerations for Senior
Citizen Health Insurance:
- Age and Pre-existing Conditions:
Insurance premiums tend to increase with age, and pre-existing conditions
may affect coverage or result in higher premiums.
- Coverage Needs:
Seniors may require coverage for specific medical needs such as chronic
disease management, hospitalization, prescription medications, and
specialized treatments.
- Network of Healthcare Providers:
It's important to choose a plan with a wide network of hospitals, clinics,
and doctors that are conveniently located.
- Policy Exclusions and Limitations:
Carefully review the policy wording to understand any exclusions or
limitations on coverage.
Where to Find Health Insurance
Plans:
- Insurance Companies:
Many insurance companies in the UAE offer health insurance plans for
senior citizens. Some popular providers include Adamjee, Takaful Emarat,
Orient Takaful, and Cigna.
- Insurance Brokers:
Insurance brokers can help you compare different plans from various
providers and find the best option for your needs and budget.
- Online Platforms:
Online platforms like Policybazaar.ae allow you to compare and purchase
health insurance plans online.
Recently Launched Plan:
- Vibrance Senior:
This is a new health insurance plan launched by Aster DM Healthcare in
partnership with Dubai Insurance. It is specifically tailored to meet the
needs of senior residents in the UAE and offers comprehensive medical
services, including preventive care and advanced treatment.
Key Features of Vibrance
Senior Plan:
- Comprehensive Coverage:
The plan offers a wide range of coverage, from preventive screenings to
advanced tertiary care, including specialized chronic disease and
arthritis care.
- Chronic Disease Management:
It provides complete support for managing chronic conditions, ensuring
long-term health and well-being.
- Home-Based Access:
Patients can access consultations and follow-ups from home through
TruDoc's telehealth platform, reducing the need for frequent hospital
visits.
- 24/7 Accessibility:
Support is available around the clock via app or phone.
- Teleconsultation Care:
Members can avail of teleconsultations with DHA-licensed physicians and
specialists.
- Personalized Care Plans:
Seniors with chronic conditions receive personalized, data-driven care
plans that can be accessed and monitored remotely.
- Full Health Screening at Home:
Free full health screening at home within the first 30 days of policy
activation.
- Emergency Coverage:
Included in the plan.
- Annual Maximum Limit:
Dh150,000 for shared benefits.
Pricing:
The premiums for the Vibrance
Senior plan vary based on the age of the insured and are subject to individual
medical history. Here's an overview:
- Ages 65-69:
Dh16,693 annually
- Ages 70-74:
Dh22,146 annually
- Ages 75-79:
Dh27,591 annually
Pharmacy Limit:
The plan offers two options
with different pharmacy limits:
- Plan 1: Dh3,000 annual
pharmacy limit with a 20% co-pay.
- Plan 2: Dh5,000 annual
pharmacy limit with a 20% co-pay.
Important Notes:
- These premiums are indicative and may
change based on individual medical history and underwriting.
- It's advisable to contact Dubai Insurance
or Aster DM Healthcare directly for the most accurate and up-to-date
pricing and plan details.
- You can purchase the plan through Dubai
Insurance Company and the Orange Care website, Slice Of Wellness.
Tips for Choosing a Plan:
- Shop around and compare different plans:
Get quotes from multiple providers and compare coverage, premiums, and
benefits.
- Consider your individual needs:
Choose a plan that meets your specific healthcare needs and budget.
- Read the policy wording carefully:
Understand the terms and conditions of the policy, including any
exclusions or limitations.
- Seek advice from a financial advisor or
insurance broker: They can help you navigate the options
and choose the best plan for your circumstances.
Important Note: The
information provided here is intended for general knowledge and informational
purposes only, and does not constitute financial or insurance advice. It is
essential to consult with a qualified professional for personalized advice
based on your circumstances.
