Health Insurance

With the volatility of the dynamic Health insurance market, increased health insurance awareness and escalating health care costs, and partial withdrawal of the government from the healthcare market, it has become imperative to look for effective solutions to take care of ourselves and our dependants.

At AFNIC, with our Health Insurance, we protect you from those high medical costs, while offering a variety of additional benefits, so that you can relax, knowing that you are being looked after.

We cover under two categories

  1. Individual Family Cover
  2. Group Cover

What is Health Insurance

Heath Insurance is an insurance coverage that covers the medical and surgical expenses of an insured individual. The coverage generally varies depending on the chosen packages offered by the insurance company, andor the requirements of the client.

Depending on the type of insurance, either the insured pays the medical fee out-of-pocket and is later reimbursed by the insurance company, or the payments are made directly to the provider by the insurer.

Why do we need Health Insurance

Many perceive Health insurance as too expensive; however without it you can be exposed to even greater medical bills.

Health Insurance protects you from high medical expenses in case of unexpected, serious illnesses or injuries. When insured, you are more likely to get regular preventive care, and therefore can prevent escalation of mild illnesses into more serious issues.

Important Terminology

  • TPA Third Party administrator.
  • Network List of hospitals and pharmacies available on credit facility.
  • Provider Clinics and Pharmacies.
  • Geographical area area of coverage.
  • Benefits what is covered.
  • Exclusions what is not covered.
  • Deductible amount to be paid by insured.
  • Out of network clinics and pharmacy not on direct billing.
  • Co-participation percentage of claimed amount paid by member.
  • Pre-existing condition any medical condition the member had been suffering from before joining the policy; known or unknown – symptoms.
  • Chronic condition conditions that need regular and continuous treatment.
    Insurance is important in order to have financial security. Motor insurance is one of the few insurances that is mandatory in the UAE, and it is essential to be in the care of a good insurance company that can support you for all your needs. With Al Fujairah National Insurance Co., you get all-round support from the time of insurance purchase, if you need to make a claim, and all...
read more …
Motor Insurance With AFNIC
  Al Fujairah National Insurance Co. has a strong coverage for their Motor Insurance products. With 6 Branches and over 30 outlets all across the country and a 24/7 Call Centre, you can be supported for your Motor Insurance policy from anywhere. AFNIC also has an excellent comprehensive claims service, with claims offices in multiple locations all over the UAE, which can support customers in...
read more …
PSP Awareness With DHA
    In co-operation with the Dubai Health Authority (DHA), AFNIC brings to you awareness on the Patient Support Program (PSP), for the medical insurance of Dubai Visa holders. There are two categories under PSP: Basmah and Hepatitis B & C. The main objective of this initiative is for the prevention, detection, and treatment of these medical concerns.    BASMAH ...
read more …