The hospital just denied your AED 15,000 treatment. 🏥
Here's what 82% of UAE employees don't know:
Most company insurance is practically worthless.
The medical insurance deception:
· "Comprehensive" coverage with massive exclusions
· AED 50,000 limits that disappear fast
· Network restrictions to cheap clinics only
· Emergency cases rejected for "pre-approval"
Real family disaster:
· Software engineer's child needed surgery
· Company insurance: "Comprehensive family coverage"
· Surgery cost: AED 35,000
· Insurance paid: AED 8,000
· Family debt: AED 27,000 for "covered" treatment
The insurance trap most fall into:
Basic Company Plans Cover:
→ GP visits: AED 100 limit
→ Specialist visits: AED 200 limit
→ Emergency: AED 5,000 max
→ Surgery: AED 15,000-25,000 max
Actual Healthcare Costs:
→ Specialist consultation: AED 400-800
→ MRI scan: AED 2,500-4,000
→ Minor surgery: AED 15,000-35,000
→ Major surgery: AED 50,000-150,000
The negotiation strategy that saves families:
✅ Demand to see exact insurance policy terms
✅ Request enhanced coverage allowance
✅ Compare with private insurance costs
✅ Negotiate cash allowance instead
Smart professionals ask:
· What's the annual coverage limit?
· Which hospitals are in network?
· What procedures require pre-approval?
· Are family members equally covered?
Facing medical bills with "comprehensive" insurance?
Comment your experience
Because "comprehensive" shouldn't mean comprehensive exclusions.
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