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501

Posts

EW GURU

Latest post on 17 May 2013 - 13:39

Have you got a government health card anyway? That can cut down costs dramatically as well and use the government facilities. EW Admin edited by admin on 17/05/2013 Sorry to the OP to diverge slightly but are you sure about your statement above? When I recently had to go to a government clinic they told me that a government health card didn't actually make any difference. It used to, but not anymore. Would be interesting to know if I was given incorrect information. Good luck to the OP. You are correct. The health card offers no discount and using the government health services costs more than many private clinics around Dubai. That's true. We went to Latifa hospital recently as my daughter was very sick and it cost a fortune! No matter the government health card ... we would have been better off at City.

5452

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EW MASTER

Latest post on 17 May 2013 - 11:12

Have you got a government health card anyway? That can cut down costs dramatically as well and use the government facilities. EW Admin edited by admin on 17/05/2013 Sorry to the OP to diverge slightly but are you sure about your statement above? When I recently had to go to a government clinic they told me that a government health card didn't actually make any difference. It used to, but not anymore. Would be interesting to know if I was given incorrect information. Good luck to the OP. You are correct. The health card offers no discount and using the government health services costs more than many private clinics around Dubai.

4062

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EW MASTER

Latest post on 17 May 2013 - 11:10

Have you got a government health card anyway? That can cut down costs dramatically as well and use the government facilities. EW Admin edited by admin on 17/05/2013 Sorry to the OP to diverge slightly but are you sure about your statement above? When I recently had to go to a government clinic they told me that a government health card didn't actually make any difference. It used to, but not anymore. Would be interesting to know if I was given incorrect information. Good luck to the OP.

53

Posts

EW NEWBIE

Latest post on 17 May 2013 - 07:56

Hi, I managed the administration for the Bupa scheme at my last company. They accepted all pre existing conditions and didn't require any documentation, just the person's name and date of birth. We had this exact request then and I talked to Bupa direct about it. Surprisingly they had no issue, the person didn't have to be connected to the company as an employee or relative. If we were prepared to have them on our scheme then Bupa was fine with it. I realize this isn't what you'd expect, but it's true. Once the person has been on the scheme for 3 consecutive years then they can transfer from company funded to personal funded without losing cover for any conditions that had cropped up over those 3 years. So for example if they joined the company Bupa scheme, got cancer and then had to switch to personal funded before 3 years was up then they would lose cover in the case that the cancer came back. However once three years had passed with them being on the company scheme and then they switched, they would keep the benefit of that cover if the cancer then came back. So the OP's request does make sense, and didn't constitute any wrongdoing as per the conversation I last had with Bupa on it. It can really make a difference to someone's life, but doesn't sit comfortably with most MDs etc. H x <em>edited by Hendy on 17/05/2013</em>

1848

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EW EXPERT

Latest post on 17 May 2013 - 07:02

We think you'll find that if you're trying to join a group company scheme the insurers ask for the employees labour card, emirates ID, visa page and passport copies... So unless you actually work for the company that's going to be impossible... For any new person joining a company scheme they have to sign a form stating Pre- existing conditions and then this has to be approved by the insurer and depending on what it is the employee may or may not get coverage or the price for that employee will be considerably higher. We're very sorry you are ill but looks like you will have to try and find your own insurance or get a job that includes it. Have you got a government health card anyway? That can cut down costs dramatically as well and use the government facilities. Hope you manage to get yourself sorted. EW Admin <em>edited by admin on 17/05/2013</em>

1811

Posts

EW EXPERT

Latest post on 16 May 2013 - 22:05

To get coverage with a group scheme a company might have to show proof that you were an employee? I'm sorry you are in this situation and hope you can find an appropriate solution.

858

Posts

EW GURU

Latest post on 16 May 2013 - 19:47

Cheeky Monkey & Derien, Thanks for your replies but we have already looked into those options and they are not viable :( And it would not be considered fraud as we have already looked into this.... Hi, have you checked with Bupa themselves or just your broker? When I joined a Bupa group scheme (when I got married and went on to my DH's scheme) I had to declare any existing conditions... I am almost certain I had to sign something to say that if I didn't declare something that I later tried to claim for that I would be "in trouble". I can't remember the exact wording but am almost certain it said something about a possible prosecution. I may be wrong, but I am sure what your broker is telling you to do is not quite right. You may get away with it if someone was willing to risk lying for you on their buisness policy, saying you were an employee or relative but that would risk all their own genuine staff's policies if they were found out. I am not sure how Bupa would allow someone to join their scheme with pre-existing conditions with no penalties or exclusions just because they join a group policy, but not an individual policy... how does your broker explain how it can work that way? (Not saying it doesn't, just VERY confused...?!) Don't want to come across as picky or argumentative, but would hate to think you got caught out and dumped with a huge bill due to bad advice and not checking into every angle.

926

Posts

EW GURU

Latest post on 16 May 2013 - 18:10

A group scheme is for employees - how can what you're suggesting be legal ??... And if you can transfer your cover out after so long, why could you not do that with your existing cover ?

2584

Posts

EW EXPERT

Latest post on 16 May 2013 - 18:04

Interglobal also do Medical History Disregarded policies. Hope you find something.

1097

Posts

EW OLDHAND

Latest post on 16 May 2013 - 18:00

So sorry for your situation. I don't know anything about what your broker is suggesting, I would have thought it was impossible for any random stranger to just tag onto a group scheme without meeting the criteria (i.e. employee or family of employee). However as your Insurance broker is suggesting this as a legal option, would he not be the perfect person to help you find a scheme who would take you on, he must have lots of clients in group schemes and he could vouch for you.

5

Posts

EW NEWBIE

Latest post on 16 May 2013 - 17:41

Cheeky Monkey & Derien, Thanks for your replies but we have already looked into those options and they are not viable :( And it would not be considered fraud as we have already looked into this....

1575

Posts

EW EXPERT

Latest post on 16 May 2013 - 11:10

Sorry to hear about your condition. That is awful. There aren't many companies that offer BUPA to employees as it is the most expensive insurance on the market. I'ma also not sure that what you are asking is above board as you or your husband need to be employed with the company to be enrolled on and enjoy the benefits of a corporate plan. I don;t know where you are from but wouldn't it be better to seek "free" treatment from your own country rather than stay here?

858

Posts

EW GURU

Latest post on 16 May 2013 - 11:08

Sorry I can't help you directly, but who were you insured with when you were working? Have you approached them to see if you can transfer your company policy to the same one, just in your own name, thus continuing your cover of your pre-existing condition? This is what we did with DH's company when we moved country to one where no health insurance cover was provided. Failing that, contact Bupa themselves and see if they can offer you cover, possibly at a higher premium though. If you have a pre-existing condition, go onto someones group insurance, transfer out (as yor broker advised you to do) and then claim for your condition and they find out, sadly you HAVE committed fraud as someone else said. And believe me, they may well find out.... Edited as I meant to add: Good luck and all the very best. I hope you get the cover sorted, not a nice situation to find yourself in. <em>edited by Cheeky Monkey on 16/05/2013</em>

5

Posts

EW NEWBIE

Latest post on 16 May 2013 - 10:41

Hi ladies, thanks so much for reading and for your replies. Meagle, it was an insurance broker who suggested this solution and assured us that it is all above board so that wont be an issue at all. Splinters, thanks for the suggestion. We will definitely try them but we have spoken to many brokers so far and no one could assist :( Quinn, we have thought about that but it would need to be a company that provides BUPA so may not be that easy....

501

Posts

EW GURU

Latest post on 16 May 2013 - 10:09

Possible to get a new job with insurance included?

313

Posts

EW EXPLORER

Latest post on 16 May 2013 - 10:03

Try contacting [email protected] - they are a great insurance broker and maybe able to advise you.

849

Posts

EW GURU

Latest post on 16 May 2013 - 10:00

My heart goes out to you as this is clearly a difficult situation. Not sure about here in Dubai, but what you are proposing would be considered insurance fraud in many other countries. Given your health situation, it might be better to consider a move elsewhere to ensure you can obtain proper coverage and treatment.

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