Question:
Are lifestyle diseases like diabetes or hypertension covered under individual Health Insurance Policies in UAE?
Answer
Yes, lifestyle diseases like diabetes and hypertension are typically covered under individual health insurance policies in the UAE. These conditions are considered pre-existing, and insurers usually cover them, subject to specific terms and conditions.
- Waiting periods: There might be a waiting period before coverage for pre-existing conditions begins.
- Premium Revisions: Your premium can be revised per the duration of any pre-existing illness or condition.
- Specific coverage limits: Some policies may have specific limits for certain treatments or medications related to lifestyle diseases.
- Truthful disclosure: You must disclose any pre-existing health conditions during onboarding.
- Policy variations: Coverage details can vary between insurance providers, so seeking advice from an insurance broker is essential.
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