With major changes in the health insurance rules, Dubai is ensuring that obtaining newborn insurance cover is as hassle free as possible. It has now been made mandatory for all insurers to cover the child at birth with the new directive.
Dubai health insurance plans including the newborn child benefit are designed to protect your child against the costs of healthcare in case the infant is born with a serious medical condition. Added to it newborn child health insurance policies offer guaranteed lifetime insurance coverage to newly born children giving assurance to parents that comprehensive coverage will be there, for the rest of the baby’s life.
Dubai Health Authority (DHA) has issued the new directive which bridges the gap between insurance coverages for newborns, making it absolutely necessary for all insurers to cover the child at birth. The main objective of this directive is to make certain that the newborn has access to continuous insurance cover from the time of birth.
When the 30 day period of cover of the mother’s policy is over or succeeding the utilization of the annual limit of the mother’s policy, the new policy regulation now stipulates that insurance companies must immediately provide the newborn medical insurance cover with the same Table of Benefits as the family’s insurance without any waiting period.
With another directive Dubai Health Authority has ruled out imposing waiting periods of any kind on newborns by the insurer, be it waiting periods against pre-existing conditions or any other conditions.
The directive is directed towards clearing out doubts on the treatment of newborns when being newly insured or added to existing group policies.
All newborns in Dubai must be covered under the mother’s policy for 30 days and/or up to the mother’s annual limit.
All newborns in Dubai must be covered under the mother’s policy for 30 days and/or up to the mother’s annual limit. Added to that, the only exception to backdating is to do it only up to a maximum of seven days which is only allowed for newborn additions to achieve covering the newborn from the date of birth.
As soon as the 30 days period under the mother’s policy is over, the newborn will come under the same health insurance scheme as that of the parents. It has to be noted that the new policy for the newborn will be subject to underwriting conditions of the said group or individual policy.
The directive comes as welcome relief for parents who are struggling or have struggled to pay huge hospital bills of newborns not under insurance cover.