Benefits Of Travel Insurance In Dubai
Majority of Dubai residents do not purchase travel insurance while travelling outside Dubai
, unaware how beneficial a travel insurance policy really can be. A travel policy from a reputed insurer can cover you for unforeseen incidents such loss of baggage, medical emergency, medical evacuation and death repatriation.Insurance companies in Dubai will pay for medical expenses incurred overseas with the exception of pre-existing medical conditions. A pre-existing medical condition can be defined as any medical condition which existed prior to a journey affecting you and/or any close relative and/or travelling companion, including but not limited to a) a condition for which the person is on a waiting list for hospital in-patient treatment, (b) a condition referred to a medical specialist,(c) a condition or the cause of in-patient treatment within 12 months prior to the journey or (d) a condition for which a terminal prognosis has been provided by a medical practitioner.
So how do you get emergency assistance in case of any medical problems? Well, your travel insurance covers you for a minimum amount and no approval is needed to process treatment. All you need to do is make the payment and claim the amount once you return from the journey. It is important to retain all reports and bills for a hassle free claim. For any amount exceeding the minimum sum, you will need emergency medical assistance. You may consult your insurance company for more information on this service.
In Dubai, you can either opt for a single trip insurance cover or go for an annual cover, depending on the frequency of your travel. In both cases, the travel insurance is valid for a maximum of 62 days. Most insurance companies in the UAE will have an upper age limit for the insurer. On the other hand, anyone below the age of 16 is considered a minor and can acquire travel insurance at a reduced cost.
Excursions and adventurous sports, such as scuba diving and other hazardous sporting activities may also be covered under your travel insurance plan. But it is vital to understand the terms and conditions of the insurance company before indulging in any of these activities while travelling outside Dubai.
The next time you plan a vacation; do remember to incorporate a travel insurance plan from a reputed insurance company for yourself and your family. This is your best shot at ensuring you enjoy your journey hassle free.
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