Health

Understanding Coronavirus disease and its Coverage in Dubai Health Insurance Policy

3 Mins read

A little you should know about Coronavirus disease

Health Insurance Policy. Comparing to the havoc it caused, this virus is huge destruction in the disguise of a minute being. However, a little acquaintance about it and perseverance can help you in being safe and staying healthy.

Coronavirus disease aka COVID-19 is an infectious disease and people infected with this virus will suffer from moderate respiratory illness and might recover without special treatment in few cases. On the other hand, it can cause serious illness to those with a weak immune system and suffering from underlying medical issues.

The COVID-19 virus is contagious and spreads primarily through the saliva droplets or discharge from nose or mouth when the infected one sneezes or coughs. With the simplest way to spread from person to another, this virus has infected many, making them ill and taking some lives as well.

For now, there is no specific vaccine or treatment for COVID-19 but there are clinical trials going on to evaluate the potential treatments. WHOS is continuously on the mission and is updating the world with the clinical findings alongside striving hard to find the vaccine to this dreadful disease.

Until then the best way to remain healthy and stay safe is to prevent the transmission and staying home as much as possible. Below are a few tips on how to keep the virus at the bay and protect yourself from infection.

  • Frequently wash your hands and use an alcohol-based sanitizer.
  • Maintain a safe distance with the people around you.
  • Cover your nose and mouth when sneezing or coughing.
  • Wear a mask when out, and avoid touching the face.
  • Refrain from smoking or something that weakens the lungs.
  • Avoid traveling as much as possible and maintain physical distancing when in large groups.

The COVID-19 is currently spreading at a faster pace and you never know how safe is you in public. It is also said that if prevention isn’t then diagnosis at the earliest is the solution.

So, below are a few of the symptoms you might experience when infected with this virus. On average people infected with COVID-19 show symptoms in 5-6 days and may take up to 14 days as well. However, the earliest diagnosis is vital.

Some of the most common symptoms are fever, cough, and tiredness. The lesser-known or common symptoms include sore throat, diarrhea, headache, joint pains, loss of taste, conjunctivitis, etc., and the most serious ones suffer from shortness of breath, chest pain, and loss of speech or movement.

Immediate medical attention is advised to those who sow serious symptoms, and the individuals with milder ones should manage their infection at home staying healthy and safe.

COVID-specific insurance covers can be of some help!

Well, many of us might already possess a regular health cover, but what frets you out when on the hospital bed tested as COViD-19 positive is if your regular health insurance covers your medical treatment and expenses for COVID-19.

And, here is where the COVID-specific health insurance covers or plans, specifically Insurance in Dubai will back you. They provide the amount on diagnosis, which can be used as per one’s discretion. At most, all the COVID specific health plans available in the market will help you in a limited manner. However, some of them may provide you with the 50% of the sum assured for quarantine, in case you require intensive care and isolation for the treatment.

Be it a regular health cover, or a COVID specific health plan, it is always better to have health insurance to cover at least a little of the treatment cost in case you get tested positive. But before you purchase a COVID specific health plan make sure to take close look at the fine print.

Generally, these policies come with a list of exclusions and there might be a little chance for the policyholder to file a claim. These policies are valid for one year and come with the common exclusions such as no travel history to specific countries and for the ones with COVID symptoms (considering both mild and serious). Also, some of the policies don’t allow the policyholders to claim before 24 hours of hospitalization.

Understanding the Dubai Health insurance coverage

Health facilities licensed by DHA (Dubai Health Authority) in UAE received a circular that says based on the directives received from the Ministry of Health and Prevention, both the suspected and confirmed cases will be considered as emergency ones.

So, if any of the patients tested positive for COVID-19 is insured by the Health insurance in Dubai then health insurance companies will honor the claims received. And, if the patient is uninsured and is suspected or confirmed for being COVID-19 positive then the individual will not bear any medical costs at any of the healthcare facilities. And this policy is said to be applicable throughout the UAE.

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