Understanding the Exclusions of Your Medical Policy

Insurance Policy Agreement Terms Document Concept

Having medical coverage doesn’t mean that you will get coverage for all health and wellness issues. Before you invest in health insurance, you must understand that medical insurance covers illness and not wellness, unless it is specifically added to your policy. In the real world, no health insurance plan covers every medical condition regardless of how expensive the policy is.

Insurers in the UAE follow a common exclusion list regulated by Dubai Health Authority (DHA). These exclusions can be in the form of certain treatments, time-related restrictions, and various limitations.

This guide will help you understand the exclusions of a medical policy in detail.

Undeclared Pre-existing Conditions

Basic health insurance can cover pre-existing conditions. If a health plan does cover pre-existing conditions declared in the form, you will pay an increased amount of premium. However, any claim made for undeclared pre-existing conditions will not be covered.

Health Supplements

Supplements are often prescribed to replenish nutrients in your body. They don’t come under the purview of medicines essentially required to treat illnesses. Your insurance provider will not cover over-the-counter supplement purchases. However, if your doctor deems a health supplement to be necessary and prescribes it to you, then its cost might be covered by your insurer. One classic example is vitamin D which is covered only when deficiency is justified by your doctor.

Cosmetic Treatments

All kinds of cosmetic treatments and surgeries are regarded as exclusions in every medical insurance policy in the UAE. It includes facelift, deviated septum, implant surgeries, eyelid surgeries, and so on.

Dental and Optical Treatments

Basic health insurance plans generally exclude dental and optical treatments from their coverage. If you want these treatments to be covered, most insurers can cover them in exchange for an additional premium. However, some comprehensive health insurance plans may include them. Cataract surgery might be an exception as it comes under medically necessary treatment.

Alternative Treatment Practices

If you are someone who prefers alternative treatments, you must know that some alternative medicines and treatments are included in all health insurance policies. This includes Ayurveda and Homeopathy. Others such as Aromatherapy, Massage Therapy, Acupuncture, Hypnosis, etc. are exclusions. Besides that, chiropractic therapies are also excluded from most health insurance plans.

Treatments for Fertility Issues

Any fertility treatment for men and women is not covered under health insurance policies in the UAE. Hence, fertility prescription medications and in-vitro fertilization treatments are excluded as well.

Treatments for Weight Loss and Obesity

All kinds of treatments required for weight reduction are regarded as non-essential treatments in most cases. Thus, they also go under general exclusion from a medical policy.

Treatments for Certain Injuries

Most medical insurance policies don’t cover the expense of treatment for injuries caused by the following reasons:

  • Self-Harm, Conflicts, War, and Terrorism: No health insurance and even travel insurance will cover the cost of treatments that are received for injuries inflicted by self or caused by other reasons, such as acts of terrorism, war, and conflicts.
  • Natural Disasters: Injuries caused by natural disasters are also listed under the exclusion as ‘an act of God’.
  • Adventure and Professional Sports: Most medical policies exclude adventure sports and professional sports injuries; however, you can find some insurance policies designed specifically to cover such injuries.
  • Hazardous Activities: Injuries and illnesses sustained from hazardous activities, such as horseback riding and flying a plane, also fall under exclusions.
  • Accidents that involve illegal activity: Even though most health insurance plans cover almost all accidental injuries, they will not cover the expense if accidental injuries were caused due to involvement in illegal activity.
  • Military Training: The training for military training is extremely rigorous and can be even dangerous. Still, most health insurance plans do not cover any injury caused by military training.

Optional Medical Treatments

All health insurance providers offer coverage for expenses for only the treatments that are deemed absolutely essential by your doctor. Any non-essential and optional medical treatments fall out of the scope of your medical coverage. This applies even to the illnesses specifically mentioned and covered in the medical policy. Before a claim is approved, you are required to provide a medical record or statement from your doctor that declares that the treatment you are getting is indeed necessary and not optional. Otherwise, the medical claim will be denied for sure.

Apart from these, there are also other exclusions, such as growth hormone therapy, immunotherapy, contraception, prosthetics and other similar aids, and treatments and services received from healthcare providers outside of the network of your insurer.

After seeing this long list of exclusions, you might think that investing in health insurance is not worth it. On the contrary, there are still so many benefits of having a health insurance policy that will protect you from the rising healthcare costs in the UAE.

It is extremely important and even mandated by the UAE government for every resident to have at least a basic health insurance plan. Even if there are exclusions in every medical policy, you can still find a great health insurance plan with the help of a dedicated health insurance broker.

At New Age Insurance Brokers, we strive to help our clients choose the best health insurance plans for themselves and their families. Your financial security, happiness, and optimum health are our priorities. So, before you make the final decision, get in touch with us to find a health insurance plan that best serves your medical needs.

Steps to Take During an Emergency Medical Situation


A medical emergency can take place anyplace and at any time. It is a circumstance that demands immediate action. The primary role of a person should be to focus on first aid and contacting emergency care at 998. Calling a healthcare professional will help you respond and treat any emergency. Remember, your action can save someone’s life.

A few noticeable conditions in an emergency medical condition include excessive bleeding, heart attack or stroke, burns, breathing problems, chest pain, seizures, shock, and head injury. When you see this happen, you should take the necessary actions.

Here are some steps to follow during an emergency medical situation:

  1. Recognize if Emergency Exists

You can confirm the emergency by checking for particular signs. The indicators are:

  • Dilated pupil
  • Slurred speech
  • Difficulty in breathing
  • Chest pain
  • Sleepiness
  • Unexplained confusion
  • Uncharacteristic skin color
  • Pale face
  • Unconsciousness
  • Sweating
  1. Taking an Action

In a medical emergency, time is a valuable thing. So, as soon as you recognize the signs, you should take immediate action. The action can involve:

  • Calling for medical assistance at 998
  • Offering comfort to the patient
  • Giving first aid to the victim
  • Any other service you can provide at the moment

You can help in a medication situation in several different ways. Sometimes people cannot recognize the medical emergency, while other times, they don’t care to act. But if you can help, you should take action because it can save someone’s life.

  1. Contacting Emergency Professional

Generally, people give comfort and confidence to the patient, which often helps them calm down. The next thing is to call an emergency expert because they can begin the treatment right away as they arrive.

  1. Care for the Patient Until Professionals Arrive

Avoid moving the patient from their place until they’re at risk. That’s because you may not be aware of where the injury is; so, it’s best to leave it for the professionals. The conditions that are life-threatening emergency are:

  • No breathing
  • No pulse
  • Severe bleeding
  • Unconsciousness

So, until the medical help comes, check for changes in the patient’s breathing level and whether they’re losing consciousness. Help the victim rest comfortably but without moving their body. Protect them from getting overheated or chilled.

Preparation for a Medical Emergency

  • Keep a First Aid Box

Prepare your first aid box that should contain scissors, roller bandage, antiseptic cream, pain killer, sterile cotton, and thermometer. Replace the item before its expiry. Also, keep the box in a safe and accessible place.

  • Save Crucial Contact on Speed Dial

Save all the vital contact you may need in case of emergency on your speed dial. These numbers can include the number of medical professionals, partners, neighbors, relatives, and friends.

  • Knowledge of the Medical Clinics Nearby

You must know the address and name of the hospitals near you.

It is essential to have medical insurance. Many people are unable to treat the condition because of no insurance coverage. Given the current expense of medical cost, it is best to get coverage.

  • Basic Training Against an Emergency Situation

Take some basic training to life support causes. Almost every hospital runs these. It can help save the life of many people.

The Bottom Line

Emergencies are often overwhelming and frightening. You may have a hard time deciding, so follow these steps during an emergency medical situation.

New born? How to Buy Medical Insurance for Your Newborn

Holding Hands

When a little one is born into a family, his/her protection is the topmost priority of new parents. If you are expecting a little one to enter this world soon, the first thing you should do is to have a medical plan for your newborn. Medical costs are exorbitant in the UAE, especially in private healthcare facilities. Having medical insurance for your newborn will offer protection in the unfortunate circumstance when the newborn might need immediate medical attention.

Today, we will discuss different health insurance options available for a newborn child in the UAE.


How to Obtain Medical Insurance for Your Newborn in the UAE?

For Dubai visa holders as per DHA Circular, a newborn baby is covered for the first 30 days under the mother’s policy. Within this period parents have to arrange medical insurance for newborns. For non-Dubai visa holders, parents have to arrange medical insurance for the newborn earlier. In order to do that,


First, Check Whether Your Company Insurance Policy Covers Your Newborn

As an expecting parent, your first step is to confirm whether your company covers dependent in their group policy. If yes, your newborn can be added on a pro-rata basis with the same benefits. As soon as you receive the birth certificate number, you should send a request to the insurer for adding the dependent (newborn) to the policy.

If your company does not cover dependent, then you can opt for a separate individual plan. You have the following two options when choosing a separate health plan for your child:

  • For Dubai visa holders, one option is getting a basic policy with Minimum Essential Benefits as mandated by the DHA.
  • Those seeking better medical coverage and for those living outside Dubai, one can get a comprehensive insurance plan from private insurers in the UAE


  1. Basic Policy with Minimum Essential Benefits as Mandated by DHA – For Dubai visa holders only

With a basic policy, the provider pays for only medical expenses that are absolutely essential, as mandated by the Dubai Health Authority (DHA). Any medical expense that falls out of the scope of minimum essential benefits will be paid out of your pocket. You can check the basic policy through this link.


  1. Comprehensive Insurance Plan from Private Insurers in the UAE

If you want greater coverage for your newborn, you can consider buying a comprehensive plan which comes with a wide variety of benefits and flexibility in terms of choosing desired healthcare providers, such as hospitals and clinics.

However, most of the insurers are reluctant to provide a child-alone policy, and those who provide separate medical insurance for your child require you to provide insurance proof of both parents.

To buy a comprehensive health plan for your baby, you will need to submit mandatory documents that include a medical application form (with the declaration of any ongoing condition) and a birth certificate.

When you choose to obtain a health insurance policy for your newborn child in the UAE, it protects your baby against the rising costs of quality health care for the rest of his/her life.


Can I Add My Newborn to My Existing Health Plan?

Parents with self-sponsored/individual plans can get their newborn added to the same health plan. Most healthcare insurance providers allow Dubai residents to make their newborns a part of the family’s existing health plan and provide newborns with immediate access to the entire range of covered benefits.


Do I Get Free Newborn Child Benefit in the UAE?

Yes. The majority of insurers in the UAE offer a Free New Child Benefit as part of their maternity cover. This benefit enables your baby to get a pre-defined amount of health coverage. However, once the financial limit or time limit is exhausted, you are required to file a new medical application with the insurance provider to ensure that your child gets continuous insurance protection.

Another thing you must know about Free New Child Benefit is that once this benefit is exhausted, any of your child’s medical conditions will be labeled as a pre-existing condition when you will apply for new coverage. While this alternative seems budget-friendly, it can be risky if your baby develops a medical condition in utero.

Before we end this discussion, let’s take a look at the changes that the Dubai Health Authority (DHA) has made regarding health access for newborn babies with parents holding Dubai visas in the last couple of years.


No waiting period

No insurance provider can deny the treatment for any health condition for the first sixth months when adding a newborn baby to an existing plan/group policy or buying a new health plan for the newborn. So, as a parent, you don’t need to worry about paying out of your pocket for the treatment your baby needs from day one.


Backdating is allowed

You can add or enroll a newborn child with a start date that can be 7 days prior. This way, medical insurance covers all the medical expenses from your baby’s first day. If the baby is initially covered under the maternity cover, then the start date of baby insurance can be backdated and any expenses will be deducted from the child’s health policy instead of the mother’s insurance.

However, you must know that even though DHA has waived the waiting period in Dubai, there might be a waiting period before you can get your newborn added to your existing health plan in other parts of the UAE. Thus, you should also confirm whether the waiting period is scrapped if your emirate is other than Dubai.

If you have any queries about Newborn Child Insurance options in the UAE, feel free to contact us anytime at info@newageib.com or 04-3573378.

52-Week Money Challenge: How to Save AED 20,000 This Year

A girl in white top with money in her hand

It is hard to find a person who says that they don’t want to save money. Between living expenses and spending money, it can be hard to save money each month. That is the reason why we are presenting the 52-week money challenge to motivate you to save.

For many people, getting started is the toughest part of saving. If you are not sure where to start saving or you have a hard time setting money aside, the 52-week money challenge will help you “create” spare cash without biting too much into your daily lifestyle.

What Exactly is the 52-weeks Money Challenge?

It is an incremental saving plan that makes it easy for you to save money consistently throughout the year. You can start by saving just AED 20 the first week of the challenge. The next week you can put away AED 40, and the next, AED 60.

Continue increasing your savings by AED 20 every week. By the end of the challenge, your total amount saved will be more than AED 20,000.

Here are some strategies to help you keep on following the 52-week money saving challenge:

  1. Better Start Small

It feels a lot more manageable to find AED 20 to save for a week than to say you’ll save AED 1,600 a month. If you feel intimidated by the prospect of saving, the challenge will help you build toward larger amounts by starting small.

  1. Try to Build Momentum

As you work towards your financial goal, you will gain momentum and notice more results each week. It will encourage you to keep on saving and help you build a long-term habit.

  1. Save As You Go

In order to reach the saving goals of AED 20000 this year, you’d have to save roughly AED 1,600 a month. Setting aside around 300-400 Dhiram each week is often more doable than finding AED 2000 at the end of the month after you’ve paid all your bills.

  1. Need to Stay Flexible

You might struggle to save because of pressing financial obligations, such as paying off debt. Since you have to set aside a small amount each week, the 52-week challenge will keep your money flexible rather than tying up hundreds or thousands of Dhiram all at once.

  1. Take It like a Game

Participating in a challenge, especially if you are doing it with a friend or family member, can help make saving more fun and exciting. Instead of finding it hard to save money, it will become a game that you want to win.

Difficulties of the 52-Week Saving Challenge and How to Encounter Them

It is easy to say that you’ll set aside AED 200 or 400 each week. However, as the challenge progresses, you may face difficulties, including:

  • Making it to the End

Saving AED 200 or 400 a week in a month of the festival can be tough. Most of the festivals occur in November and December. So, toward the end of the year is when things get tricky.

Solution: To tackle this, you can start the challenge in reverse: setting aside AED 900 in week one, 880 in week two, and so forth. That way, you’ll end up need to save AED 20 or 40 a week during the expensive holiday months.

  • Not Setting Aside Money Each Week

Additionally, since AED 20 a week, AED 40 a week, and then AED 60 a week is a nominal amount, it can be hard to remember to set that money each week with everything else going on in your life.

Solution: Create a visual reminder like a money jar or piggy bank to help you remember setting aside money every week. You can also do the challenge with friends and family to hold each other accountable.

  • Being Strict with Self-Control

It can be hard to exercise self-control. That’s true in the case where money is involved. When you find yourself needing a small sum of money, you may get tempted to remove a few Dhirams from your savings.

Solution: If you put your money in a checking account, get rid of a debit card, making it hard to spend. You can also deposit the money in an interest-earning saving account.

The Bottom Line

When it comes to saving money, many people struggle to get started and stick to the plan. Others don’t know how to set aside savings while managing the rest of the financial obligations.

Start the 52-week money challenge if you need to kickstart your savings, start building an emergency fund, or inculcate a savings habit.

Accident Insurance – A Plan You Need to Financially Survive a Catastrophic Accident

insurance cover

Accident insurance is the supplemental plan designed to provide you with the one-time, lump-sum amount for your use if you are unlucky enough to have an accident. You can use it along with your health insurance. However, it is not a replacement option for regular health insurance.

What Is the Need for Accident Insurance?

Accidents happen and that too without any alerts or notifications!

No matter how hard we try, sometimes, things don’t happen the way we want. They don’t essentially involve you driving your car or riding your bike, they can happen in other forms too. You may fall while hanging curtains. You may slip in the bathroom or on the stairs. If you are suffering from a certain health condition or getting fragile due to age, you are even at greater risk of such accidents.

By saying these things, we are not trying to scare you; we are just stating the adverse possibilities for which you should always be prepared.

Having Health Insurance Does Not Mean Your All Accident-Related Expenses Are Covered.

You may already have dental or medical insurance but they might not be enough if you were involved in an accident. Even the best health insurance plan may not provide full coverage for multiple expenses that you will incur right from staying in the hospital to undergoing medical treatments, buying medications, and taking leaves from the job to attend appointments and get the much-needed rest. All of this is in addition to everyday expenses, such as booking a taxi, ordering food, making some changes to your house to accommodate the physical disability that might happen after the accident and so on.

Fortunately, when you are involved in an accident and have accident insurance, a fixed amount of money (as mentioned in the policy) is provided to you even before you get the medical bills. It provides guaranteed coverage regardless of your preexisting health conditions. And the coverage is portable which means the plan is valid even if you change your job, as long as you meet the criteria.

Usually, the money is provided in the form of a check with your name instead of your healthcare provider within 10 days after you file the claim.

And Yes, Don’t Forget Your Kids (if you have any). Kids also need accident insurance as they are more prone to sports-related injuries.

What to do If I Am Involved in a Road Accident in the UAE?

An accident could be your fault or the fault of other driver(s). Whatever the reason behind it, the situation could be very stressful and overwhelming. Sometimes, in panic, people don’t do things that protect their interests. If you ever encounter a road accident in the UAE, take the following measures:

  • Don’t leave the scene unless it is appropriate.
  • Warn other drivers to prevent further accidents by setting up a hazard triangle or keeping hazard lights on. Move away from fast lanes to a safe place nearby when possible.
  • Dial 999 to contact the UAE police as early as possible. You will need a police report to file a claim with your accident insurance company if you have sustained injuries. Besides, if your vehicle got damaged during the accident, you will need a police report to file an auto insurance claim too.
  • When the police arrive, provide details of what happened as best you can. In case you are not sure, inform this to the police. Take photographs of the scene, injuries you sustained, and the damage your vehicle suffered if you can or ask someone you know to do it.
  • Notify your insurance provider at the earliest.

How Can I Sign up for an Accident Insurance Policy?

  • You can ask your employer if they offer accident insurance as part of their benefits package.
  • You may also ask your spouse’s employer/benefits administrator about which insurance plans are available.
  • You can contact a reputable insurance broker who can help you find the best accident insurance plan available.

We, New Age Insurance Brokers LLC, are the leading company based in the UAE, representing more than 25 local and international insurance companies. We work closely with our clients to learn their needs, preferences, health, and lifestyle to help them determine which type of insurance plan is best for them, know which insurance plans could be redundant and if they need another insurance plan for better coverage and special circumstances.

In case you have any queries about accident insurance or other insurance policies, please feel free to contact us. We strive for your better financial stability in uncertain times.