Pregnancy is a beautiful and mesmerizing procedure responsible for creating a new life. But pregnancies can be pretty expensive when we consider the hospital bill.
The expenses also do not stop only with the birthing of a child itself. One must also consider the costs in case of normal or C-section delivery, pre or post-natal expenses, expenses related to the newborn baby, and more.
This is why getting maternity insurance is so important. However, can you get maternity insurance if you are already pregnant in Dubai? Let us find that out.
Can you get maternity insurance if already pregnant in Dubai?
No, you cannot. When applying for maternity insurance in Dubai, one must go through a waiting period of six months.
Sadly, any pregnancy that arises within 40 days of the policy’s starting date will not be covered by any insurance.
What services does pregnancy insurance cover in Dubai?
Usually, comprehensive pregnancy insurance covers almost everything that comes with maternity care. These include –
1. Prenatal Care
Because of the new enhanced maternity insurance laws, insurance companies now cover at least eight prenatal appointments. Not only that, but they also pay for three prenatal scans, blood tests, regular health check-ups, etc.
2. Hospital Fees
The hospitalization fees are the most burdensome, which can amount to a huge sum of money. Thankfully, maternity insurance in Dubai covers that as well.
The procedure usually does not matter, as insurance should cover both normal and C-section deliveries. If there are any complications or terminations during the process, that is also taken care of.
3. Postnatal Care
The mother does not automatically become healthy after giving birth. They need extensive care even after going through labor.
Hence with insurance, you will not have to worry about those much-needed post-natal checkups.
4. Expenses of The Baby
Taking care of newborns is also expensive as they need frequent checkups, thanks to their vulnerability. But do not fear, as most maternity insurance policy covers newborn expenses for at least 30 days or even up to 3 months.
FAQ’s
1. What is the waiting period for maternity insurance in Dubai?
The waiting period for maternity insurance in Dubai is 6 to 12 months. But once you get over that time, insurance will cover all the necessary expenses that come with childbirth.
2. Which insurance is best for pregnancy in UAE?
i) Takaful Emarat Health Insurance
Takaful Emarat Silver Health Insurance Plan –
- AED 7,000 coverage with 10% co-insurance
- Covers in-patient and out-patient maternity service
- The waiting period is only 40 days
- AED 10,000 for C-Section delivery
Takaful Emarat Platinum Health Insurance Plan –
- AED 20,000 coverage with 10% co-insurance
- Medicines coverage up to AED 10,000
- Free check-ups with ante-natal ultrasounds
- Global coverage
ii) Adamjee Health Insurance
Adamjee Family Care – Silk Road –
- Covers in-patient and out-patient maternity service with 10% co-insurance
- Free health check-ups
- The waiting period is only 40 days
- Coverage of up to AED 10,000 for normal delivery
- AED 10,000 for C-Section delivery
- Maternity-related emergencies of up to AED 150,000
Adamjee Family Care – Emarald –
- Coverage of up to AED 10,000 for normal delivery
- AED 10,000 for C-Section delivery
- Covers out-patient maternity service with 10% co-insurance
3. How much does it cost to give birth in UAE without insurance?
Without any maternity insurance, the cost of giving birth can rise from 22,000 AED to 30,000 AED for normal delivery and even more for C-Section delivery.
4. Is it free to give birth in Dubai?
No, it is not free to give birth in Dubai. You will need maternity insurance, or the hospital bill can be immense.
Wrapping It Up
We hope we were able to provide essential info regarding the maternity insurance policies of Dubai. Please go through the points carefully and apply for them if you need such services as soon as possible.
