As we age, health becomes a top priority, and having the right medical insurance in place is essential. For people aged over 60 living in the UAE, navigating the medical insurance landscape can be a bit more complex, given the increased need for specialised healthcare and the variety of policies available.
IAE is a leading provider of medical insurance in the UAE, and we’ve got years of experience when it comes to understanding medical insurance in the UAE. With this in mind, we’ve put together this blog to help you know what to look for in a medical insurance plan to ensure you’re adequately covered.
Coverage for Pre-Existing Conditions
One of the most critical factors for over 60s when selecting medical insurance is coverage for pre-existing conditions. As many older adults have health conditions such as diabetes, hypertension, or heart disease, it’s essential to find a plan that covers these conditions without excessive waiting periods or high premiums. Some policies in the UAE may include pre-existing conditions after a specified waiting period, while others may require a higher premium. It’s vital to review the terms carefully and choose a plan that meets your medical needs without causing financial strain.
Our experienced team at IAE can help advise on the best policy for your requirements: we understand that finding the right policy might seem daunting at first, so we are available to answer any questions you might have.
Comprehensive Hospital Network
The quality and accessibility of healthcare facilities are crucial when selecting an insurance plan. Ensure that the policy you choose provides access to a broad network of hospitals, clinics, and specialists. Some plans limit treatment to a specific network of providers, so it’s important to check if your preferred healthcare facilities are included. Additionally, make sure the network covers both outpatient and inpatient services, as people aged over 60 may require more frequent medical care.
Inpatient and Outpatient Coverage
As we grow older, the likelihood of needing medical treatment—whether for routine check-ups or hospital stays—increases. A comprehensive medical insurance plan should provide robust coverage for both inpatient and outpatient services. This includes hospitalisation, surgeries, specialist consultations, diagnostic tests, and prescribed medications. When reviewing policies, ensure that the limits for these services are high enough to cover potential healthcare costs, as over 60s may require more intensive care.
Coverage for Chronic Conditions and Regular Check-Ups
Many older adults live with chronic conditions that require ongoing management, such as arthritis, cardiovascular issues, or respiratory problems. It’s essential to choose a policy that provides long-term coverage for these conditions, including regular check-ups, medication, and physiotherapy. Regular health screenings, vaccinations, and preventative care services are also important components to look for in an insurance plan.
Annual Premium and Co-Payments
While it’s important to secure comprehensive coverage, it’s equally crucial to ensure that the insurance plan is affordable. Premiums for older people can be higher due to increased health risks, so it’s vital to compare plans carefully and consider the total cost, including co-payments for consultations, medications, and treatments. Opt for a plan with a balance between affordability and coverage to ensure you can manage both routine care and unexpected medical expenses; our advisors are on hand to assist you with finding the right policy for your exact requirements.
Get A Free Quote – Medical Insurance for Older People
Securing the right medical insurance as an older person in the UAE requires careful consideration of your healthcare needs and financial situation. Working with a knowledgeable medical insurance expert such as IAE can help you navigate the complexities of finding a policy that suits your needs and ensures you’re well-prepared for any healthcare challenges that may arise.
As a medical insurance specialist in the UAE, we are here to help you navigate these requirements and find the best insurance solutions for your needs. Contact our team today to learn more about your medical insurance options.
