Colemont Insurance Brokers Top Features of Medical Insurance You Should Know Choosing a medical insurance plan can feel overwhelming. With so many terms, tiers, and options, it’s easy to get lost in the fine print. However, understanding a few key features can empower you to select a policy that truly protects you and your loved on es. Whether you're an individual or looking for medical insurance for family in UAE , here are the top features you need to know. 1. The Network O f Hospitals and Clinics This is arguably the most important feature. An insurance policy’s "network" is the lis t of hospitals, clinics, and doctors where you can receive care at the pre - negotiated, discounted rate. • Why it matters: If you visit a provider outside your network (out - of - network), you will have to pay a much larger portion of the bill, or sometimes, the entire bill upfront and then claim a small part back. • What to check: Before you buy, check if your preferred hospitals and family doctor are included in the network. A plan with a wide, premium network gives you the most flexibility. 2. Deductibles, Co - payments, and Co - insurance These features determine how much you pay ou t - of - pocket for your care. • Deductible: This is a fixed amount you must pay before your insurance starts to cover its share. For example, if your deductible is AED 1,000, you pay for the first AED 1,000 of your medical bills each year. • Co - payment: This is a fixed flat fee you pay for a specific service, like visiting a doctor. For example, you might pay AED 50 for every consultation, and the insurer pays the rest. • Co - insurance: This is a percentage of the bill you pay after you’ve met your deductible. If you r co - insurance is 20%, you pay 20% of the treatment cost, and the insurer pays 80%. A policy with a lower premium (monthly cost) will often have a higher deductible and co - payments. 3. Annual Limits and Sub - Limits The annual limit is the maximum total amou nt your insurance provider will pay for your care in a single year. While this limit is often very high for a comprehensive medical insurance in UAE , you also need to check for sub - limits Sub - limi ts are caps on specific types of care. For instance, your plan might have an annual limit of AED 1 million, but a sub - limit of AED 10,000 for maternity coverage or AED 1,500 for physiotherapy. Always check these details, especially for services you anticip ate needing. 4. In - Patient vs. Out - Patient Coverage It's vital to know how your plan covers these two distinct types of care. • In - Patient: This covers costs when you are admitted to a hospital, such as for surgery, a serious illness, or overnight observation. This typically includes the room, procedures, and doctor's fees. • Out - Patient: This covers care that doesn't require a hospital stay. T hink of your regular doctor's visits, specialist consultations, lab tests, and prescription medications. 5. Maternity, Dental, and Optical Benefits These are often considered "add - on" benefits and are not always included in basic plans. If you are planning a family, comprehensive maternity coverage is non - negotiable. Similarly, dental and optical (vision) benefits can provide significant savings but are often subject to specific sub - limits and waiting periods. How A Broker Simplifies Your Choice ? Navigating these features, comparing policies, and reading the fine print is a complex and time - consuming task. This is where an expert insurance broker like Colemont becomes your greatest asset. Instead of you trying to deci pher dozens of policies, Colemont's experts do the hard work for you. They listen to your specific needs — whether for yourself or your family — and use their market knowledge to find the perfect policy that balances cost, coverage, and network. They are your advocates, ensuring you get the best value and complete peace of mind. Don't guess with your health. Ready to find a medical insurance plan that truly fits your needs? Contact Colemont today for a free consultation and expert advice! Source: https://colemontuae.com/top - features - of - medical - insurance - you - should - know/