Health Insurance for Over 50’s
Get a quote nowWhy individuals over 50 need health insurance?
Individuals over the age of 50 years, like all residents and expats working in Dubai, are also required to ensure that they have adequate health insurance. Health insurance is important to ensure that should you require inpatient or outpatient medical attention or treatment, you are eligible to receive high quality treatment and care.
Many medical aids or health insurance plans charge higher premiums for individuals over the age of 60 due to medical risks associated with a higher age. Medical aids do not have restrictions when it comes to joining at any age, however looking into health insurance in your 50’s, before you pass the 60-year mark is a smart idea.
It has been found that many residents of Dubai over the age of 60 opt for a basic health insurance plan with minimal additional benefits instead of more comprehensive plans due to the sheer cost increase associated with a higher age. This could result in shortfalls in medical and health care later down the line and result in older individuals having to cover this from their own pocket.
Why do I need health insurance after age 50?
As for anyone, health insurance is a very important to ensure that you receive quality medical treatment should you need it. As you get older, your risks of developing chronic conditions increase and in turn this may reduce your immunity and increase the time it takes for you to heal and recover, making it easier for you to pick up an infection or get sick.
Why is health insurance more costly for older people?
Reasons for higher premiums amongst individuals over 60 years include a having a higher risk of pre-existing conditions such as heart disease, diabetes, and high cholesterol. There are also limited insurance plans which are specifically suited to individuals over 60 years.
How to afford cover when you are older
Once you have retired, the chances are you may not have spare money to open a comprehensive medical aid or health insurance plan. If you are over 50 and do not already have health insurance in place, this would be a good time to start looking. You will be considered lower risk for health insurance and likely pay a lower premium. Start by comparing different health insurance plans and their coverage levels on Compare Insurance and make sure that your budget and needs are covered.
In this article
Why do I need health insurance after age 50?
Why is health insurance more costly for older people?
How to afford cover when you are older
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Joint Health Insurance
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Physiotherapy
Treatment for kidney dialysis
More than 2000 patients living in the UAE are currently undergoing dialysis
Medical aid for pensioners
Senior citizens are one demographic which may be compromised when it comes to premiums on medical aid
Specialist Consultations
Pediatricians, dermatologists, obstetrician/gynecologists, anesthetists, and ophthalmologist specialists
Healthcare Cash Plans
Some policies would pay out cash weekly as a benefit if the policyholder is admitted to the hospital
Self-pay Healthcare Plans
This would be a great option if you do not want the monthly or annual premiums
Types of healthcare insurance
Each medical insurance policy would be different and every insurance company would offer different types of medical insurance plans
Features and benefits of healthcare insurance
There are many different types of medical insurance and the features and benefits of each policy
How to get affordable health insurance?
It’s very simple and you have to take the time and compare a range of medical insurance plans
How to choose the best health insurance for you and your family?
If you are a first-time medical insurance policy buyer or currently shopping around we have put together some tips
Private health insurance
Your employer would give you basic health insurance but that is not always enough for your need
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This is not an easy time for anyone but it’s important to prepare for these unfortunate events.
Why you and your family needs health insurance
Paying medical costs out of your packet can be financially crippling and you can’t put a price on health
What does health insurance actually cover you for?
The basic sector would most likely exclude dental, ear and eye care which is crucial for all people
Medical Coverage Plans
A health insurance plan is one of the best and safest ways to ensure you have financial cover in the case of a medical emergency
How co-pay works on your health insurance policy?
Some insurers call the co-payment “excess” and this can be a specific amount or a percentage of the claim.
Medical repatriation
Check your policy to understand if medical repatriation is a benefit, this means would your medical insurance cover you
Medical Aid for Students
Student medical aid would be at a more affordable rate for students who are still busy studying
Plans for pre-existing conditions
You can get personal financial solutions that fit your life and budget as your life changes
Is medical aid affordable?
It’s possible that you can tailor your health plans or choose your medical aid to best suit your needs and your pocket
Rehabilitation Treatment
This benefit offers you a holistic approach to treating your pain by highly trained professionals
What’s Covered in Regional Healthcare Policies?
Regional healthcare policies cover residents in the UAE and other GCC countries. The coverage and pricing of these policies can vary greatly
What’s Covered in International Healthcare Policies?
International health insurance should offer comprehensive cover for people living abroad
What Hospitals Are Included in Your Network Tier on Your Health Insurance Policy?
Health insurance tier systems should help consumers compare similarly priced health plans
Treatment in Intensive Care
IC treatment deals with the most critical cases and involves special procedures and monitoring
Outpatient Consultations, Diagnostic Tests and Prescribed Drugs
Many medical plans include “outpatient cover”
In-patient and Day-patient Hospital Treatment
In-patient and day-patient care covers most treatments in hospitals and clinics. But what are the differences between them?
Anaesthetists Roles and Fees in Health Insurance
Like surgeons, anaesthetists may charge a separate fee for their services during medical procedures
Surgeons Roles and Fees in Health Insurance
How does your health insurance handle surgical fees, and what is the surgeon’s role in your health plan coverage?
Help with Costs to Return After Treatment
One of the options available under many healthcare plans is cover for the cost of returning to the UAE after treatment abroad
Radiology Tests
Radiology, also known as diagnostic imaging, is the science of diagnosing and treating various types of diseases
Transplant Services
In the UAE, health plans cover the cost of organ transplants. Costs for the acquisition of the organs is, however, not necessarily covered.
Treatment Administered by a Registered Acupuncturist
In the UAE, coverage for alternative treatments such as acupuncture are usually associated with high-end plans only
Compassionate Visits
This additional insurance covers the cost of travel for a family member to visit you should you be hospitalized
Personal Health Insurance
Having personal health insurance is an advisable preventative measure against unexpected health costs
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