Health insurance policies are designed to cover the cost of care if you get sick or have an accident. They help with the cost of hospitalisation and can often help with any care you might need at home, as long as it is medical. Indeed, there is a misconception to think health insurance only pays the bill for your hospital visit. There are several other benefits of health insurance policies that could cut down your costs and ensure you stay healthier and happier.
So what are those important hidden benefits in health insurance policies you should know about? Here is a look at some of them.
Recovery Benefits – Cover While you are Getting Better
While the most essential help you need is often the immediate care you require, many illnesses and accidents can require a long recovery time. Health insurance policies often support people during their recovery and you could be covered for the costs that arise due to hospitalisation or the need to recover at home. The benefit often helps to offset the loss of income due to illness or injury. The length of the period ranges from insurer to insurer so you always want to check your policy in detail. Furthermore, recovery benefits can even include things like covering associated costs, such as compassionate visits by your family.
Domiciliary Treatment – Help When Being Looked after at Home
You don’t always need to go to the hospital to get treatment. The good news is that there are health insurance policies, which could cover any domiciliary treatment you receive. This means that you will be able to receive treatment at home and not have to worry about paying for the whole cost on your own.
It is important to note that insurers’ domiciliary treatment often comes with a clear cap. You won’t be able to cover the whole cost necessary and therefore, it is always worth checking whether it would be cheaper to receive the treatment in a hospital, if possible.
Attendant Allowance – Essential Care for Families
Your health insurance isn’t always used for your own care but families take advantage of it when children require help. If your child needs hospital treatment, you don’t just have to think about covering the cost of the actual care. You will be there with your child during treatment and this could cost you extra. For example, you can’t work while you’re staying at the hospital.
Many family health care policies provide attendant allowance which covers some of these costs. You often get a fixed allowance, no matter what your actual extra costs might be. It is still a great benefit to consider especially when you have small children.
Free Health Checkups – an Additional way to look After your Health
You should also make sure to check your health insurance policy for the possibility of free health checkups. A majority of health insurance in Dubai comes with the option to get a checkup every few years without any cost. This can be a great way to keep healthy and ensure you don’t lose out. While insurance policies always cover the cost of having a health checkup when you need it, the free health checkup is a great additional benefit. You can use it every few years even if you don’t feel like anything is wrong. The checkup can ensure your vitals are healthy and help you understand how you can continue to protect your health.
Dental treatment – help to maintain a beautiful smile
Now, there are a lot of insurers that provide separate health and dental policies. however, many health insurance policies also include dental treatment in the core policy and not just as an additional cost. This means that you might not receive all treatments but that you get basic cover for routine treatment. This can be a great way to ensure you maintain good dental hygiene – that is essential for staying healthy!
Carefully Read Different Policies Before Buying them
The above hidden benefits are important to know about. The crucial thing about health insurance is comparing it carefully before purchase and making sure you understand your policy. This means that you need to read through the policy and even ask questions from the insurer. Only by fully understanding your policy will you be able to enjoy all the benefits your health insurance comes with.
So, if you are looking for new health insurance or thinking about updating your old policy, make sure to shop around and read the small print. You can find online comparison websites and you should also talk to the insurers throughout the process. Once you find a policy that fits with your health insurance needs, you can look for the best deal and get yourself covered.