What is the rule for pergancy without insurance?

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We would like to inform you that there are several benefits offered by the Health Insurance Act for pregnant women. These benefits are:
1. Prenatal services
It includes 8 consultations with obstetricians and 3 ultrasound examination sessions, which are covered with a maximum of 10% of the insured's cost.

2. Birth and hospitalization
According to DHA, the maximum coverage is 7,000 AED for a normal delivery and 10,000 AED for cesarean delivery, medical complications and any emergency that can cause the abortion. These benefits are also covered by a maximum of 10% (cost of bearing) paid by the insured. In case of emergency, the prior consent of the insurance company or emergency claim must be made within 24 hours of commencement of treatment
3. Postnatal services
This coverage includes any complications that may occur in the eight weeks following delivery.

4. Newborns care
Neonatal care is covered for at least 30 days from the date of birth, and includes immunization against hepatitis as well as neonatal screening tests.

 

It should be noted that the maternity insurance cover may be available for a specific age only or that certain medicines are excluded from the insurance coverage. Therefore, the terms and conditions in the insurance policy must be read and understood before making a decision to purchase the document.

Maternity insurance covers if pregnancy already exists
Most insurance companies refuse to grant a maternity and pregnancy insurance cover if the insured woman is already pregnant during the time of applying for the insurance policy. In this case, alternative solutions should be sought to alleviate the additional financial burden during pregnancy and childbirth. It is advisable to look for maternity insurance programs provided by some private hospitals or through the purchase of government health insurance cards which are at reduced prices to obtain the necessary care in public hospitals.

 

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