Check Your Health Insurance Policy — UAE Hidden Exclusions
Upload your health insurance policy. AI finds hidden exclusions, sub-limits on critical treatments, maternity gaps, and co-pay traps in 30 seconds.
What TenderScan checks in your health insurance:
What We Find
Critical coverage gaps our AI flags in health insurance policies
Pre-Existing Condition Exclusions
Blanket exclusions for any condition diagnosed before the policy start date. Some policies have permanent exclusions while others apply waiting periods — the difference matters enormously.
Sub-Limits on Critical Treatments
Overall cover of AED 500,000 but sub-limits of AED 10,000-30,000 on chemotherapy, organ transplants, or mental health. The headline number hides the real coverage caps.
Maternity Coverage Gaps
Maternity cover with 10-12 month waiting periods, low sub-limits, or exclusion of complications. Many policies exclude NICU costs for newborns — a single bill can reach AED 200,000+.
Network Restrictions
Policies limiting you to a narrow network of hospitals and clinics. Out-of-network treatment may not be covered at all, or reimbursed at a fraction of the actual cost.
Dental & Optical Exclusions
Basic plans excluding dental and optical entirely. Enhanced plans with deceptive dental cover that only includes emergency extraction — not routine care, crowns, or implants.
Co-Pay & Deductible Stacking
Multiple cost-sharing mechanisms that stack: co-pay per visit, annual deductible, co-insurance percentage, and separate pharmacy co-pays. Your actual out-of-pocket can be far higher than expected.
Real Finding
We found “annual limit AED 1,000,000 with chemotherapy sub-limit of AED 25,000 per year” in 36% of health policies analysed. A single round of chemotherapy in Dubai costs AED 50,000-150,000.