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When looking for health insurance, it’s easy to get caught up in price comparisons, especially now that personal medical insurance is required in most of the UAE. But can you really afford to insure your life for a fraction of its true value?
A person’s life is priceless. That’s why we take the time to assist you in identifying and managing any potential personal risks. Whether you need coverage locally, regionally, or internationally, they’ll make sure your personal health insurance high point plan fits not only your budget, but also your specific circumstances and demands. They also make it simple to insure your dependents, providing you peace of mind that people who are most important to you are covered.
About Personal Insurance
In Dubai, there are more than 20 general insurance companies that sell health insurance products. In India, each of these companies offers a variety of health insurance products. To put it another way, there are many different kinds of health insurance policies on the market, including family health insurance, individual health insurance, critical illness insurance, group health insurance, and so on.
While most general insurance companies only cover a couple and their two dependent children under a family health insurance plan, there are other firms that offer complete family coverage, which includes dependent parents.
Individual health insurance, on the other hand, covers only one person, as the name implies. In a family health insurance policy, the same insured amount covers all family members, but in an individual health insurance policy, the sum insured protects only one person – the insured.
Individual health insurance policies can be purchased for each family member, with a different sum insured amount allotted to each individual. If you have a family member who requires additional health coverage and there is a potential that his or her medical bills will exceed your budget, it is always a good idea to purchase an individual health insurance policy for him or her.
Advantages
Individual health insurance policies have numerous advantages. Take a look at some of the most significant advantages listed below:
Medical expenses are covered:
The most significant and primary reason we purchase health insurance is to protect ourselves from unforeseen medical costs. It protects you against a financial trouble if you have a health problem. It relieves you of the financial burden of medical expenses, allowing you to concentrate on getting better.
Daily Hospitalization Allowance:
Some insurance companies pay the insured a predetermined amount for each day he or she spends in the hospital. This, however, only applies after the insured has spent a few days in the hospital. The number of days spent in the hospital is always pre-determined in the policy, and it may differ from one firm to the next. If you are the primary breadwinner in your family, such a stipend can come in handy in a pinch.
Cashless Claim Service
It is a service that allows you to make a claim without using money. You can use the cashless benefit offered by your insurance in the case of a medical emergency or a circumstance when you are expected to be hospitalised.
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