If you have plans to buy a health insurance policy, you should not get the one blindly. Instead, you should dedicate time to do proper research work. Indeed, with the availability of different Health Insurance Dubai comparison websites, you may easily understand and compare different health insurance plans to buy the best one. Especially, you have to look a few of the important aspects prior to buying a health insurance policy. Sub-limits of Your Room Rent Room rent benefit refers to the amount allocated to any person daily basis to hire a private hospital room while he/she undergoes treatment. Hence, it is essential for you to check whether your chosen private hospital room comes under your chosen health insurance plan. Room rent benefit under any standard health insurance policy providers 1% to 2% of the basic sum of your health insurance insured on a daily basis. Waiting Period for any Pre-existing Disease Pre-existing disease refers to a type of medical condition, in which an insured person has already attained or has certain symptoms before he/she takes a health insurance policy. You may find that most of the floater or individual health insurance plans do not cover the pre-existing disease. However, it is included after a certain tenure referred as the waiting period. In most of the cases, waiting period associated with any pre-existing disease remains between 24months and 48months starting from the date of inception of your health insurance policy. Thus, while doing health insurance comparison, you have to check the clause of waiting period before you should make a final purchase. Check the Network of Available Hospitals Whenever you do health insurance comparison, you should never forget checking the network of available hospitals within your chosen health insurance plan. Your chosen multi-specialty hospitals and the general hospitals should be in the list of the insurer’s network hospitals. Getting treatment in any of the networked hospitals is easy, as you only have to show your health card to get cashless hospitalization. This is because; the hospital collaborates with the insurance provider. Besides, the claim management in any networked hospital is easily manageable. No Claim Bonus No claim bonus refers to the value-added benefit by a health insurance provider if you do not make any claim under your chosen policy. In most of the cases, no claim bonus is the percentage increase in the insured principal amount. It ranges between 25% and 50% per annum and subject to a maximum of 50% to 100% of the insured base sum.
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December 2019
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