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The headline changes to our health plans for UAE residents:
- Low average inflationary premium increases for existing customers
- New benefits for the Flex plan
- Extension of the new member discount
- Changes apply to health plans starting on or after 01 June 2021
Our values
We believe in people
Some insurers rely on AI and Big Data to do their work for them. We think differently. Healthcare is a highly personal experience, so it deserves a personal service. We’re a team of real people, at the end of a phone call when customers really need us.
Committed to fairness
Healthcare is expensive, and— sadly—costs are on the up. We do everything possible to spread this inflation fairly. We calculate premiums with a long- term pricing model, and we give customers tailoring tools to help reduce their premium without significantly compromising their cover.
Transparency matters to us
Insurance is about trust, so we believe in being fair and open. This belief informs our idea of healthcare as a partnership between our customers and us. That’s why we’re completely upfront with our health plans, and we want customers to understand precisely what they’re buying.
Commitment to relationships
The UAE (and especially Dubai) is a transactional marketplace. We’ve been active in Dubai since 2006, and in that time providers have come and gone. We remain committed to providing international insurance in the UAE. As usual, we prioritise a consultative approach with our brokers and customers and premiums that are sustainable for the long term.
Changes to benefits
Preventive health & well-being (all plans)
In line with DHA requirements, we’re adding cover for hepatitis B screening and treatment to the preventive health & well-being benefit on all plans.
Treatment for newborn babies (all plans)
We’re adding cover for the screening of sickle cells and congenital adrenal hyperplasia on all plans.
New benefit section for medical emergencies (all plans)
We’re adding a new section to the table of benefits on all plans. The section contains the following benefits for treatment of medical emergencies:
- In-patient and day-patient treatment following a road traffic accident or work-related injury
- Diagnostic/treatment services required for dental and gum treatment in a medical emergency
- Hearing, vision aids and surgical/laser vision correction required in a medical emergency
Vaccinations for children (all plans)
The benefit for child vaccinations on all plans now includes COVID-19 and flu jabs. We’re also increasing the ‘eligible up to’ age from 6 years old to 15 years old.
Well-being benefit for children (all plans)
We’re adding cover for eye/hearing examinations for children up to 6 years old on all plans. The benefit is capped at US$50 per period of cover.
Mental health treatment (Silver & Gold)
We’re making changes to the benefits in the mental health treatment section. The new annual limit for mental health treatment on the Silver and Gold plans is now US$2,725 or AED10,000.
| Plans starting before 01 June 2022 | Plans starting on/after 01 June 2022 | |
|---|---|---|
| Annual limit for mental health treatment (Silver) |
US$75,000 or AED275,250 |
US$2,725 or AED10,000 |
| Annual limit for mental health treatment (Gold) |
US$100,000 or AED367,000 | US$2,725 or AED10,000 |
Hospital cash benefit (Flex only)
We’ve added a hospital cash benefit of US$50 per night (maximum of 60 nights) on the Flex plan.
Cancer treatment (Flex only)
We’re improving the benefits for cancer treatment on the Flex plan.
| Plans starting on/after 01 June 2022 | |
|---|---|
| Wig benefit following chemotherapy | Lifetime limit of US$100 or AED367 |
| Cover for consultations with a counsellor | Lifetime limit of US$200 or AED734 |
| Cover for consultations with a dietitian | Lifetime limit of US$50 or AED184 |
Pharmacy benefit limit (Flex only)
We’re introducing a new option to upgrade the pharmacy benefit to full cover on the Flex plan.
| Plans starting before 01 June 2022 | Plans starting on/after 01 June 2022 | |
|---|---|---|
| Pharmacy (Standard) |
US$5,000 or AED18,350 (subject to co-insurance) |
US$5,000 or AED18,350 (subject to co-insurance) |
| Pharmacy (Option A ) | US$10,000 or AED36,700 (subject to co-insurance) | US$10,000 or AED36,700 (subject to co-insurance) |
| Pharmacy (Option B) | – | US$15,000 or AED55,050 (subject to co-insurance) |
| Pharmacy (Option C) | – | Full cover |
Changes to our pricing
We do an annual review of our portfolio’s performance. For plans starting after 01 June 2022, we’ve increased the base rate by an average of 6.5%. Please note that the exact figure varies for each plan (e.g., Silver, Flex) and audience (e.g., individuals, groups). Other factors affect a member’s renewal premium, e.g., the member’s age, benefit changes we’ve introduced, and changes the member has made to their plan. These factors sometimes have a greater impact on the renewal premium than the base rate increase.
Average inflationary premium increase
The average inflationary premium increase for renewing members is 4.94% (last year the figure was 4.9%). We’re funding this increase in different ways across our portfolio. Please note the inflationary premium increase is in addition to the normal age-related premium increases.
Does the 4.94% average inflationary premium increase vary?
Yes, sometimes by quite a margin. It depends on how you put together the plan, the deductible, network, age of the member, and plan selection. In general, members with a Flex plan will experience a greater increase than members with a Silver or Gold plan.
What else is changing?
We’re changing all the deductible discounts and the price differentials between the Flex 1, 2 and 3 options. We’re also changing how we price the optional dental. From 01 June 2021, the optional dental benefits will cost a flat premium loading, rather than a percentage.
New member discount
We’ve extended the 7.5% discount for new members until 31 May 2023. Members will also enjoy a 3.75% discount on their first renewal premium.
Changes to child discounts
We’re reducing the discount we give to second and subsequent children on health plans. The discounts apply to new business and renewals.
| Discounts for plans starting before 01 June 2022 |
Discounts for plans starting on/after 01 June 2022 |
|
|---|---|---|
| First child | 0% | 0% |
| Second child | 5% | 5% |
| Third child onwards | 7.5% | 5% |
Technical changes
We’re making the following technical changes to the plan agreements for health plans starting on/after 01 June 2022.
Exclusion for persistent vegetative state and neurological damage
We’re removing the exclusion for persistent vegetative state and neurological damage from all plans.
Areas of cover
- On Flex, we’re renaming the ‘Worldwide’ area of cover to ‘Worldwide excl. USA’.
- On Silver and Gold, we’re adding 90 days’ emergency cover in the USA as standard.
USA-45
We’re dropping this option for both NB and renewal.
We’ve dropped the term ‘excess’ in favour of ‘deductible’
We’re no longer using the term ‘excess’ for our health products in the UAE. We now use the term ‘deductible’.
All deductibles are available for child-only policies
With child-only policies, the policyholder can choose any deductible available with the selected plan.
The above changes apply to residents of the UAE whose health plan renews on or after 01 June 2022. Our article on the changes we’ve made to health plans for residents living anywhere other than the UAE is available on our blog.
