How to Choose a Health Insurance

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Health Insurance
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What is health insurance? Health insurance is a
financial protection that you can have against
medical emergencies such as an injury or a disease
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Health insurance covers (depending on plans)

• Cashless treatments (through a network of
  hospitals)
• Hospitalization expenses including ambulance
  charges
• Free medical check-up (through a network of
  hospitals)
• Critical illness/ Accidents/ Pregnancy

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Most common types of health insurance services

• HMO Health Maintenance Organization
• PPO Preferred Provider Organization
• PoS (Point of Service)
• High Deductible Health Plan

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HMO Health Maintenance Organization

• Allows you to choose a primary care doctor from a
  network of healthcare providers
• In case of specialist care, your primary care
  doctor will refer you to other specialists
• No deductible
• Low cost and co-payment amount

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PPO Preferred Provider Organization

• Allows you to have the entire network of
  healthcare providers at hand
• Plus doctors outside the network
• There are some deductibles
• Deductibles increase when you consult with
  doctors outside the network. So does the cost!

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PoS (Point of Service)

• Allows you to choose a primary healthcare
  provider from the network
• When necessary, you will be referred to
  specialists within the network
• Shares the stipulations of both HMO and PPO
• Low premium but high deductible
• Deductibles can be even more higher when you see
  doctors outside the network. So do the copayment
  amounts!

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High-Deductible Health Plan

• High deductibles but the premium to be paid is
  low
• Need to manage the expenses incurred for routine
  checkups on your own, until the deductible amount
  is met
• Once the maximum deductible is met, you will
  start enjoying the coverage

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Why take health insurance?Health or medical
insurance can help you out in paying large
medical bills, which can take a toll on your
future. Thus, it secures your now and future.
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We live in a world full of surprises and we have
to be wise enough to deal with situations that
are extreme and beyond our control. After all,
being forewarned is forearmed!
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Where to find health insurance in UAE?

• Gargash Insurance Services LLCOffice 305, 3rd
  Floor, Pyramid Centre,Opp. Al Nasr Sports Club /
  Tasheel, Umm Hurair RoadPO Box 50251971 4
  337 9800971 4 337 7888
• www.gargashinsurance.com
• Email  hodubai_at_gargashinsurance.com