No, your current health insurance plan in the UAE will generally not cover medical bills or claims that occurred prior to the effective start date of your new policy.

Health insurance coverage is designed to provide protection for future medical expenses. Your new insurance plan will only pay claims for supplies, treatments, or services that take place on or after the date your current coverage began.

However, your previous health insurance provider should still be responsible for covering any older medical bills or claims that accumulated under your prior plan. You will need to work with your insurance broker to get those past bills processed and paid according to the terms of your previous policy.

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