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We would like to inform you that There are a wide range of maternity insurance programs in the UAE, which vary among them in terms of insurance benefits.
Therefore, we will present the most important advantages that must be included in any health insurance policy:
Types of insurance products ensure a more stable financial life
1. Prenatal services
It includes 8 consultations with the obstetrician, and 3 ultrasound examination sessions, which are covered up to a maximum of 10% as a cost to the insured
2. Birth and hospitalization
According to the Dubai Health Authority, the maximum coverage is a minimum of 7,000 dirhams for normal delivery, 10,000 dirhams for caesarean section, medical complications and any emergency that would cause an abortion. These benefits are also covered by a maximum of 10% (the cost of bearing) paid by the insured. In case of emergency you must obtain prior approval from the insurance company or submit an emergency claim within 24 hours of starting treatment.
3. Postnatal services
This coverage includes any complications that may occur in the eight weeks following delivery.
4. Newborn care
Newborn care is covered for at least 30 days from the date of birth, and includes immunization against hepatitis C as well as neonatal screening tests.
It should be noted that the maternity insurance cover may be available only for a certain age or that certain medications are excluded from the insurance coverage.
Maternity insurance cover in case of pregnancy
Most insurance companies refuse to give birth and pregnancy insurance if the insured woman is already pregnant at the time of applying for the policy. Alternative solutions should be sought to help reduce the additional financial burden during pregnancy and childbirth. It is advisable to look for maternity insurance programs offered by some private hospitals or through the purchase of government health insurance cards, which are at discounted prices to get the necessary care in public hospitals.
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