Expats could add their new born babies to their health insurance policies upon their return to the UAE, though the premium could increase appreciably as the birthing would then be classed as a ‘pre-existing’ condition.
Speaking to Arabian Business, Toshita Chauhan said that while the UAE’s health insurance covers delivery within and outside the country for married women, it may exclude health challenges such as emergency C-sections.
“The limits are usually lower for the birth itself. More importantly, though, there may not be any cover for an emergency C-section, or almost certainly, any health challenges that the newborn may face,” she said.
“In other words, it may well be possible to save a few dirhams on the birth by going overseas, but what most people don’t realise is that this decision could end up costing you an awful lot more in the long run,” she added.
Chauhan said expats could possibly add their newborn babies to their health insurance policies upon their return to the UAE, though the premium could increase drastically as the birthing would then be classed as a ‘pre-existing’ condition, further adding to the cost.
Chauhan shares a ‘cautionary’ tale of a Yallacompare customer who once purchased health insurance exclusively for its maternity benefits because she was pregnant. However, as she’d failed to reveal her pregnancy at the time of the application’s purchase, she was refused a pay out by the insurer, who classed the omission as an undeclared pre-existing condition.
“The upshot is that, if you suspect you are pregnant and want to purchase better insurance, you’re better off being honest from the beginning of the process,” said Chauhan.
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