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Merak Tax Consultant provides WPS services in the UAE, which is one of the most crucial services required by the majority of businesses in the Emirates. With Merak Tax Consultant, you can guarantee the greatest quality of services at an affordable price.

FEATURES & BENEFITS OF HEALTH INSURANCE IN SHARJAH

In most cases, the comprehensive health insurance coverage will cover daycare hospitalization in addition to pre-and post-hospitalization benefits. Almost all medical insurance plans in Sharjah include cashless hospitalization and reimbursement options. All of a policyholder’s medical expenses are either paid directly to the hospital (in the case of cashless hospitalization) or reimbursed to the policyholder upon submission of reimbursement claims.

The following are the various characteristics and advantages of medical insurance in Sharjah:

Cashless Treatment

Cashless services provided by insurance companies allow policyholders to receive medical care without paying cash at the hospital cash register. In this instance, the insurer will reimburse the hospitals for the cost of treatment on behalf of the policyholder. The policyholder must supply the policy number at the time of admission; the hospital will handle all other matters on behalf of the insurance company.

However, if the insured’s medical bills surpass the insured amount, the insured will be responsible for the difference. The insurance company will not pay for damages over the amounts insured.

Reimbursement

Cashless therapy is only available at hospitals with insurance partnerships. For non-partner hospitals, the policyholder must utilize the insurance company’s reimbursement option. If the policyholder is admitted to a non-network hospital, the policyholder will initially be responsible for the expense of hospitalization. After receiving treatment, the policyholder can submit all original receipts and supporting documentation to the insurer for reimbursement. The amount reimbursed cannot exceed the amount insured under the health insurance policy.

Coverage for Pre & Post Hospitalization

In Sharjah, health insurance covers pre-and post-hospitalization charges. Typically, the coverage is limited to a set number of days, during which all pre-and post-hospitalization charges are covered. In the policy paper, the exact number of days will be specified.

Medical Check-Up

Medical insurance policyholders in Sharjah typically receive free checkups at regular periods. The frequency of these medical examinations can vary between insurance providers. It is interesting to note that a small number of medical insurance carriers in the United Arab Emirates offer free medical checkups based on past medical records and no-claim bonuses. The frequency of free medical checkups provided varies from insurer to insurer.

Transportation Expenses

In the event of hospitalization, the insurance coverage will cover the cost of transportation (ambulance charge) from home to hospital and back. Typically, it is an add-on to the existing coverage, and the buyer of the health insurance policy must opt for it at the time of purchase.

No Claim Bonus (NCB)

The policyholder will be eligible for the No Claim Bonus if he or she does not file a claim during the policy year. No-Claim Bonus is often awarded as a premium decrease or an increase to the sum guaranteed. Typically, the benefits are reflected at insurance renewal.

Third-Party Administrators (TPAs)

The majority of Health Insurance providers in Sharjah and throughout the United Arab Emirates employ Third Party Administrators (TPA) to manage their sales and other services. These TPAs oversee a multitude of services, including claim settlement, enrollment, premium collecting, etc. While purchasing medical insurance in Sharjah, the applicant should conduct the necessary research to select the most dependable and easily accessible TPAs on the market. Identifying and choosing the finest medical insurance and Third-Party Administrators is essential for the greatest possible experience.

Room Rent

Room Rent Having health insurance will assist the policyholder in covering all room rent costs incurred during hospitalization. In the health insurance policy agreement, the maximum amount of room rent reimbursed by the policy will be specified.