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Various Health Insurance in UAE and what it covers

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COVID-19 Health Insurance Arranged for Visitors on Arrival, Health insurance

Health insurance is pretty much mandatory in UAE. If your employer or sponsor did not provide you with suitable medical coverage for you and your dependents, you should look for an appropriate one by yourself.

Wherever you reside, you can always find different types of medical insurance available for you that promise to offer varied benefits and other additional features at similar costs and premiums. That being said, below is a list of different insurance plans commonly insured by the residents of the UAE. So, go through them and select the one that fits your needs.

Types of Health Insurance in UAE

Individual Health Insurance Plan

As the name suggests, individual insurance plans cover the financial, medical needs of the insured or the policyholder only. This medical insurance policy covers the policyholder’s costs against specific health-related issues & illnesses. This health insurance in UAE also offers significant benefits to the insured like pre & post-hospitalization costs, cashless hospitalization, to name a few.

Group Health Insurance Plan

Group health insurance is also termed an employee insurance plan as sponsors or employers usually provide it. Follow this link to learn more about this type of insurance and where you can obtain it. This policy is working so that when you join or leave the company, you will be included and excluded from the policyholder list accordingly. This medical coverage is usually available at a low premium rate as the risks are very low.

Family Health Insurance Plan

Where individual insurance policies are somewhat costly, family insurance plans in UAE are indeed more affordable and have broader policy coverage. If you are looking for single medical insurance to cover all your family members, this plan is the one for you. Although the number of individuals covered under such policy is limited, it is still a great option rather than opting for several separate medical policies.

Critical Illness Health Insurance Plan

A critical illness health insurance plan is supposed to cover only life-threatening diseases and critical health conditions of the policyholder. If you are now suffering from other illnesses not included in the critical illness medical plan, your expenses will not be covered by the policy. Such medical insurance coverage typically provides the policyholder a lump sum payout for the medical treatments and services received. This plan includes those illnesses and health conditions usually not covered by standard healthcare plans.

Senior Citizen Health Insurance Plan

The senior citizen health insurance plans in UAE are offered explicitly to 60 years of age & above citizens. Since this plan is for senior citizens, they usually come at lowered premium rates. While a senior individual requests this medical insurance policy, they are bound to get a medical check-up first before being insured. Even though this policy offers low premium rates, it is relatively at higher costs in comparison to other plans. That is because senior citizens are likely to suffer from more health conditions and illnesses.

Health insurance coverage in UAE

Different health insurance service providers offer varied medical coverage plans to their customers. Even though the insurance plans are identical, what is covered and not covered under the policy may vary. That is why there happens a good possibility that the premium rates will also vary. Now, concerning the health insurance plans available in UAE, the medical insurance providers must follow the health inclusions lists. This list puts out a front to the insurer’s extent of medical coverage.

The standard services that almost every health insurance in UAE covers are below.

  • Pre-existing health conditions and diseases
  • In-patient hospitalization expenses
  • Health check-ups
  • Pre and post hospitalization
  • Ambulance fees
  • Hospital room costs
  • Medications
  • Daycare procedures
  • Newborn and maternity
  • Inoculations and vaccinations
  • Donor expenses (if there is a situation of organ transplant)

Since there is a coverage inclusions list for the health insurance plans in the UAE, there is also an exclusions list. This list consists of different health treatments and medical services that are usually not covered in the insurance policies in the UAE.

The standard medical services that are not included even in costly insurance plans in UAE are below.

  • Dental and optical care
  • Medical treatments for obesity
  • Non-allopathic treatment
  • Post-medical care procedures and diagnostic tests
  • Terminal illnesses, AIDS, and other similar diseases
  • Direct maternity expenses are excluded unless the insurance plan has a maternity rider included
  • Cosmetic surgery, hormone replacement, sex change, etc
  • Pre-existing conditions and critical illness are not covered if within a waiting period of 2 to 4 years
  • Injuries due to suicide attempts, terrorism, nuclear activity, war, etc

So, what we discussed concerning insurance in the UAE is about the types of health insurance plans and what medical services are included or not in those insurance plans. Depending on the eligibility criteria of the particular insurance plan, you can get insured for one. Now, another issue is whether you are an ex-pat or not. If you are an ordinary UAE citizen, the overall procedure will be more straightforward. But, for an ex-pat, getting medical insurance coverage for yourself and your dependents, if any, is instead a complex procedure. Anyhow, you can get one by adequately researching and by following the required guidelines.

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Report Causes Pfizer Stock to Climb Approximately $1 Billion Acquired by Starboard

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Pfizer

(VOR News) – According to a rumor that activist investor Pfizer Starboard Value has taken a holding in the struggling pharmaceutical business that is expected to be worth around one billion dollars, the stock of Pfizer (PFE) is on the increase in premarket trading on Monday.

This comes after the report was made public. The report was made available to the general public following this. Starboard Value was successful in moving forward with the acquisition of the position.

Starboard is said to have approached Ian Read, a former chief executive officer of Pfizer, and Frank D’Amelio, a former chief financial officer, in order to seek assistance with its goals of boosting the performance of the company, according to the Wall Street Journal. Read and D’Amelio are both former Pfizer executives.

The purpose of this is to facilitate the accomplishment of its objectives, which include enhancing the overall performance of the firm.

In their previous jobs, D’Amelio and Read were chief financial officers.

It is stated in the report that the hedge fund is of the opinion that Pfizer, which is currently being managed by Albert Bourla, who succeeded Read as Chief Executive Officer (CEO) in 2019, does not demonstrate the same level of mergers and acquisitions (M&A) discipline that Read did. Bourla took over for Read in 2019. Read was succeeded by Bourla in the year 2019.

Pfizer, a multinational pharmaceutical conglomerate, has made substantial investments in the acquisition of more companies that are involved in the research and development of cancer medicines.

These businesses have been acquired for billions of dollars. The biotechnology company Seagen, which was acquired by Pfizer in the previous year for a price of $43 billion, is included in this category. One of the businesses that can be classified as belonging to this category is Seagen.

In spite of the fact that the S&P 500 Index experienced a 21% increase in 2024.

No major trading occurred in Pfizer stock that year.

Due to the fact that the demand for Pfizer’s COVID-19 vaccines fell after the firm reached its pandemic peak in 2021, the share price of the corporation has decreased by over fifty percent since that time.

This drop has occurred ever since the company’s shares reached their maximum peak, which was during the time that this decline occurred. Not only have they not changed at all, but they have also remained essentially stable. This is in contrast to the S&P 500, which has gained 21% since the beginning of this year.

Recently, the corporation was forced to take a hit when it decided to recall all of the sickle cell illness medications that it had distributed all over the world.

Fears that the prescription could lead patients to experience severe agony and possibly even death were the impetus for the decision to recall the product. In spite of the fact that Pfizer’s stock is increasing by almost three percent as a result of the news that followed the company’s decision, this is the circumstance that has come about.

SOURCE: IPN

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New Study Reveals Drinking Soda Pop Increases the Risk of Stroke

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New Study Reveals Drinking Soda Pop Increases the Risk of Stroke

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Soda Pop Increases the Risk of Stroke
If you drink too much soda, fruit juice and coffee, beware!

A recent report from global research indicates that excessive consumption of coffee or soda pop is associated with an increased risk of stroke, although the intake of black and green tea is correlated with a reduced risk. Excessive consumption of soda pop or coffee warrants caution!

Recent research indicates that it may substantially elevate the risk of stroke.

Consuming four cups of coffee daily elevates the risk of stroke, according to studies, although ingesting 3-4 cups of black or green tea daily typically offers protection against stroke. Additionally, consume more coffee; it may reduce your risk of mortality.

Recent findings from global research studies co-led by the University of Galway and McMaster University, alongside an international consortium of stroke researchers, indicate that soda, encompassing both sugar-sweetened and artificially sweetened variants such as diet or zero sugar, is associated with a 22 percent heightened risk of stroke. The risk escalated significantly with the consumption of two or more of these beverages daily.

Stroke Risk Fizzy Drinks and Soda Pop

The correlation between fizzy drinks consumption and stroke risk was most pronounced in Europe, the Middle East, Africa, and South America. Women exhibit the most elevated risk of stroke from bleeding (intracranial hemorrhage) associated with fruit juice beverages. Consuming over 7 cups of water daily diminishes the likelihood of stroke due to a clot.

Researchers observed that numerous items advertised as fruit juice are derived from concentrates and have added sugars and preservatives, potentially negating the advantages often associated with fresh fruit and instead elevating stroke risk.

Fruit juice beverages were associated with a 37 percent heightened risk of stroke resulting from bleeding (intracranial hemorrhage). Consuming two of these beverages daily increases the risk thrice.

Consuming over four cups of coffee daily elevates the risk of stroke by 37 percent, although lower consumption levels do not correlate with stroke risk. Conversely, tea consumption was associated with an 18-20 percent reduction in stroke risk. Additionally, consuming 3-4 cups daily of black tea, such as Breakfast and Earl Grey varieties, excluding green and herbal teas, was associated with a 29 percent reduced risk of stroke.

Consuming 3-4 cups of green tea daily was associated with a 27 percent reduction in stroke risk. Notably, the addition of milk may diminish or inhibit the advantageous effects of antioxidants present in tea. The lower risk of stroke associated with tea consumption was negated for individuals who added milk.

Disclaimer: This article is intended solely for informational reasons and should not be considered a replacement for professional medical counsel. Consistently consult your physician regarding any inquiries pertaining to a medical problem.

Starbucks Faces Sales Decline Amid Price Fatigue and Rising Competition

Starbucks Faces Sales Decline Amid Price Fatigue and Rising Competition

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Following a Diagnosis of Breast Cancer, What Else Should You Know?

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Breast Cancer

(VOR News) – Even though breast cancer affects one in eight American women, receiving a diagnosis can make a woman feel isolated.

Experts in breast cancer from the American College of Physicians (ACS) advise patients on how to manage their disease so that they may better cope with this awful information.

First, the kind and stage of breast cancer dictates the course of your care.

In addition to immunotherapy and chemotherapy, there are various surgical options available for the treatment of breast cancer.

Women of African descent are disproportionately affected by triple-negative breast cancer, an extremely aggressive form of the disease that has never proven easy to treat.

According to the American Cancer Society, pembrolizumab (Keytruda), an immunotherapy, has been shown to be helpful when combined with chemotherapy and is currently the recommended course of treatment for certain combinations of triple-negative breast cancer.

In her presentation, Dr. Katharine Yao said, “It’s really important that the patient and physician discuss the patient’s preferences and values when deciding what type of treatment to pursue and that they have an honest, individualized discussion with their care team.”

She is currently responsible for developing breast cancer treatment recommendations for more than 575 hospitals and institutions nationwide in her role as chair of the American College of Surgeons’ National Accreditation Program for Breast Institutions (NAPBC).

Yao, vice chair of research at Endeavor Health NorthShore Hospitals in New York, pointed out that each decision made about a patient’s treatment plan should take her preferences and diagnosis into consideration.

She ought to think about whether she would prefer a mastectomy—a surgical procedure that involves removing the entire breast with or without reconstruction—or a lumpectomy, which involves a surgical procedure that spares part of the breast tissue.

She stated that “the breast cancer you have may be very different from the breast cancer you hear about in your neighbor, colleague, or friend” in a press release issued by the American Cancer Society (ACS).

“Consider that while discussing breast cancer with others.”

Throughout your journey, it is critical that you look after your emotional health because having breast cancer may have a detrimental impact on your mental health.

“Getting a cancer diagnosis does not mean that everything in your life stops to be normal.” Director of the Fellowship in the Diseases of the Breast program at the Winthrop P. Rockefeller Cancer Institute at the University of Arkansas and state head of the American Cancer Society Commission on Cancer for Arkansas, Dr. Daniela Ochoa She thinks adding the burden of a cancer diagnosis and treatment to all the other pressures in life may be taxing.

“Managing stress and emotional health is vital component of a treatment plan.”

Ochoa recommends clinically trained psychologists and social workers who have assisted people in coping with cancer to anyone receiving treatment. Learning coping techniques might also be facilitated by joining cancer support groups or cancer wellness initiatives.

Breast cancer specialists say your care team is crucial.

The American Cancer Society (ACS) defines comprehensive care as having support at every stage of the procedure from surgeons, oncologists, patient navigators, nurses, social workers, psychologists, and other specialists.

After receiving a breast cancer diagnosis, women should see a surgeon or medical oncologist to explore their options; nevertheless, treatment shouldn’t be discontinued after just one appointment or after surgery is over.

Additionally, you can ask trustworthy friends or family members to accompany you to appointments and aid you with research or notes. They could serve as a network of support for you.

Yao stated in his talk that “one of the most important things is that patients should search out a team they have confidence in, that they trust will have their back when they need it, and a team they feel they can get access to and that will help them when they are in need.”

SOURCE: MP

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