HEALTH NEWS

Friday - - CONTENTS -

The lat­est up­dates on from the world of health and well-be­ing.

A re­cent YouGov sur­vey into life in­sur­ance trends in the UAE has found that al­though more peo­ple are do­ing all they can to pro­tect their fam­ily’s fu­ture, there is still sig­nif­i­cant con­fu­sion be­tween health and crit­i­cal ill­ness in­sur­ance. 40 per cent of the re­spon­dents claim­ing to have crit­i­cal ill­ness in­sur­ance in place said it was pro­vided by their em­ployer, an in­crease on the 38 per cent of re­spon­dents to last year’s sur­vey who said the same. ‘It is wor­ry­ing that the num­ber of re­spon­dents claim­ing to have crit­i­cal ill­ness in­sur­ance, and in­di­cat­ing that it is pro­vided by their em­ployer, has in­creased in the last year,’ says Chris Div­ito, who is the man­ag­ing direc­tor of Mid­dle East and Africa at Friends Prov­i­dent In­ter­na­tional. ‘I am con­cerned they may be con­fus­ing their manda­tory health in­sur­ance with crit­i­cal ill­ness in­sur­ance, which is not some­thing typ­i­cally pro­vided by an em­ployer as part of a benefits pack­age. These are two com­pletely dif­fer­ent types of in­sur­ance and these peo­ple may not be as well pro­tected as they might think.’

Health in­sur­ance is de­signed to cover med­i­cal ex­penses only, and will cover these ex­penses as they arise. Health in­sur­ance does not usu­ally pro­vide for long-term re­cu­per­a­tion, ther­apy or home-care ser­vices should they be re­quired. On the other hand, the pro­ceeds of crit­i­cal ill­ness in­sur­ance can be used in any way the pol­i­cy­holder chooses, de­pend­ing on their par­tic­u­lar cir­cum­stances.

Chris added: ‘Peo­ple should con­sider crit­i­cal ill­ness in­sur­ance as a vi­tal ad­di­tion to their manda­tory health in­sur­ance – es­pe­cially if they have a fam­ily who would be im­pacted fi­nan­cially if they be­came se­ri­ously ill.’

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