Experts at Pacific Prime offer tips and tricks on how to avoid racking up large medical bills
21 July 2019| Last updated on 22 July 2019
Even with your existing medical insurance in Dubai, your medical bills might still not be covered if, for example, they exceed the policy limits.
Unexpected surgery or emergency room visit charges can quickly add up and turn into an expensive surprise medical bill, which you might have problems paying off down the line. In this article, we will talk about how to avoid such surprise medical bills in Dubai, and what to do when you receive one.
How to handle surprise medical bills
Sometimes even though you think you are all set in terms of your medical insurance in Dubai, you might still receive a surprise medical bill. What can you do in such situations?
Review the bill carefully
First, analyze the bill carefully. It may be that you have used a healthcare provider outside of your insurer’s provider network and you must pay for treatments received there by yourself. Also, the bill itself might consist of mistakes, such as charges for treatments you didn’t receive, or the hospital’s personnel got your insurance information wrong.
Appeal to your insurer
If you are still unsure why you were charged for certain treatments, ask your insurer about it directly. Usually, to start a bill dispute process, you’ll need a written notice and any documentation that will back you up, like records from the doctor’s office. Some insurance broker companies, including Pacific Prime Dubai, offer assistance with filing claims and disputes with insurers, free of charge for their clients.
Appeal for a financial support via a Musaada Program
DHA’s Musaada Program is designed to help insolvent patients who are not able to pay their medical bills because of a personal financial crisis, such as a family struggling to pay medical bills for their newborn daughters. All those who need financial aid to pay their medical bills in Dubai can appeal in the Social and Community Office in DHA Head Office, and the Community Services Offices in DHA hospitals, and present the following documents for consideration: passport copy, Emirates ID copy, valid residency (Visa), medical report, and a bank statement for the last 3 months.
How to avoid surprise medical bills
If you’re after total peace of mind in the field of health, we have prepared a few useful tips for you in regards to health insurance and surprise medical bills in Dubai. Here are our top three tips:
Know the medical costs
When choosing medical insurance in Dubai, or in fact anywhere in the world, the most important thing you need to pay attention to is the cost of healthcare. Knowing approximately how much different procedures may cost will help you to establish appropriate policy limits. Normally, after you finish your yearly policy limits, you would have to settle the remaining costs of healthcare out of your pocket.
One good way to know what policy limits are available and popular in plans is to compare health insurance in UAE with the help of an insurance broker, whose impartial advice and local market knowledge can save you time struggles.
Since in Dubai all medical conditions must be covered under the health insurance policy, it pays off to invest in preventive care to avoid paying higher premiums for pre-existing condition insurance. Many corporate health insurance plans offer preventive body check-ups for their employees in Dubai and using those benefits is an important step to manage one’s health and detect any potential health threats early.
Many health conditions, if detected early, can be treated in an outpatient way, without a need to undergo costly surgeries or life-saving last-minute inpatient admissions.
Go with a reputable insurance company
Another very important point is to choose a plan from one of the best private health insurance companies in Dubai, or choose a reputable insurance broker to help you with that. Claims and pre-authorisation letters are important elements of insurer-healthcare provider and patient relation, and sometimes, smaller or lesser-known insurers might give you a lot of troubles when it comes to reimbursing for health insurance claims, as opposed to more established insurers, who often offer direct billing options, and their own in-network clinics and hospitals.
On the note of reputable insurance companies, and insurance brokers, feel free to contact Pacific Prime Dubai at any time for assistance in finding and managing the right health insurance for you and your family in the Emirates.