Can health insurer deny coverage for disease diagnosed recently?

It is important to first check your policy to determine whether it covers the prescribed treatment; if the insurer continues to deny the claim without valid justification, you may escalate the matter

- Ashish Mehta

Question: I have a decent health insurance plan in Dubai. A doctor and his team have suggested a treatment plan for a condition I recently developed.

However, my insurance company is not covering many of the procedures. How can I contest this?

Answer: An insurance company is required to pay for health benefits and ensure the beneficiary can access all rights granted under the health insurance policy in accordance with Article 13 (3) of Dubai Health Insurance Law No. 11 of 2013, which states that, “An insurance company must allow the beneficiary to obtain, by all means available, all his rights as determined in the health insurance policy.”

The insurance company must pay for the insured person's medical treatment as per the policy in accordance with the Article 20 of the Dubai Health Insurance Law.