eSignature Legality for Insurance Industry in UAE

How to eSign a document: e-signature legality for Insurance Industry in UAE

so yes let's start uh let's start guys it's individual medical policy for employees this is like Emet okay this is a table of benefit table of benefit is something which tells you about all the benefits you are going to get in your insurance plan see this is something which not everybody tells you so if you are understanding this much better you are going to get everything clear in your head before buying anything so this is a table of benefit of Orient insurance e-med plan means medical policy for employees plan which is about 589 Dirhams okay and the sum assured means the annual limit is about 1 lakh 50 000 A.D what is some assured what is annual limit first of all one thousand one lakh 50 000 AED it means that you can have coverage only up to this amount if you are going to have any Bill more than this it will be not covered so one like 50 000 it's really great for employees in UAE you're going to love it now we have this geographical scope coverage means what things are going to be covered in your this policy means what is the geography right so UA will be covered means you can you can have your medical bills cleared in this UA along with that in your home country from wherever you are going to come that will be 100 so Home Country coverage is applicable upon 100 percent of uaeus here okay only patient will be covered means if you're going to your home country for any outpatient things it won't be covered so now I will be really telling you the difference between inpatient outpatient because normally people don't understand those who want like uh what do you say it as a lame and they don't understand these terms so I am going to clear it out just right now so here is another thing is written as Network that is PCP and rn3 so this is not like to you know science science thing or like that what is PCP for outpatient and rn3 for inpatient first of all what is outpatient outpatient means when you are going to your doctor for consultation or diagnostic or physiotherapy or for any other purpose other than hospitalization that is known as PCP or may be known as outpatient okay so you are going for outpatient not for hospitalization so everything other than hospitalizations covered under outpatient okay so other than this you have inpatient now what is inpatient inpatient means hospitalization means the patient is in the hospital and everything every Bill related to that will be covered under inpatient so we have PCP Network you can see and we have rn3 PCP Network means all the list of clinics Pharmacy and Etc and Etc thing other than Hospital other than Hospital right clinics Pharmacy Etc all the list of the uh these things they will be under the uh in a Excel sheet you are going to get so that when you have any problem when you want to go for consultation Diagnostic Center or something like that you can just simply see that list and you can rent out to the nearest clinics nearest consultation Center okay then this rn3 is the list of hospitals that you will be getting you will see which hospital is nearest to that your area or your convenience you can just go out there in your emergency case so yeah one of the most important thing is that in this insurance which is your medical insurance uh the you are only going to get coverage that is restricted to clinics means it will be restricted to clinics you cannot go directly to hospital right because this is basic insurance basic insurance as in uh this is the minimum minimalist insurance that persons are getting over there 589 grams is nothing for annual this is for one year so this is like nothing 589 is nothing right so moving ahead uh this is your okay so if you are having any kind of uh pre-existing disease or having any kind of what do you say as a disease like BP sugar or heart patient or something like that then in that case that will be not covered strictly right right from there the it will be covered after it will be covered after six months okay that means if you are taking Insurance then it will be covered after six month any problem you have and then you can renew it while renewing in the next year you won't have to wait for another six months that will be always already covered from the starting see this this is like really easy but this is basic so obviously you're not going to get total benefit but yeah most of the benefit and better than other companies so here you have 20 percent enough see here written out patient services now what is outpatient services I already told you now what are the coverage in this so here is 20 co-insurance in case of outpatient for uh clinics Health hospitals take right just as I told you same thing ha in outpatient you have to understand what is 20 co-payment means when you are going uh to meet any doctor for consultation in case you are having fever you are ill you have any stomach problem or anything like that other than hospitalization then in that case uh if the bill comes about 1000 you have to pay 2 000 only 8 000 will be covered by insurance company so 20 is in that way so co-payment means the amount uh percentage means the amount which you are going to pay from your side and the restaurant will be paid by the insurance company okay now we have Laboratory test Radiology diagnostic physiotherapy treatment Etc these all plus consultation of doctor these all thing will be only twenty percent co-payment means you have to pay only twenty percent of the total bill moving ahead we have this impatient now I I already told you impatient hospitalized in case of emergency so yes you can go to the all Hospital directly only in case of emergency but in case of non-emergency when you are good when you can we are on the ill or normal thing or something like that then in that case you can only go to clinics because it is a restricted to clinics plan which is the minimalist okay then in this case you have to see the rn3 list then you have to see which list which hospital is nearest to you you can go there and what about Bill again 20 whatever the bill will come in hospital you have to pay only 20 okay with the cap of 500 means uh if if you if you think like maximum you have to pay one time when you are going maximum you have to pay is 500. other than that uh for in a year if maximum you have to pay one thousand if any bill amount you you even if it's like uh one lakh or one lakh 50 000 bill is coming you don't have to pay more than a thousand in any case like it's it's like uh the most vulnerable case right then moving ahead this everything is like normal thing um everything Etc now we see medication medication means Pharmacy when you are going to buy medicine which is uh referred by youth consultation doctor or your general physician so in that case medicine limit will be 1500 1500 Dirhams uh with uh Co payment along which means that you can buy medicine up to 1500 Dirhams but in that 30 percent will be co-payable means 30 percent will be paid by you okay then we have vaccine immunization everything will provided by the company maternity is really important right see Maternity in case if it is taken by any married woman or a woman who is pregnant in that case we will say 7000 will be covered normally in maternity if there is pregnancy or something like that 7000 will be covered in normal delivery but 10 000 in cesarean only in cesarean 10 000 okay now we have this new Bond and then you have a newborn baby so in that case anything happens to a baby 30 days will be coverage starting uh 30 days will be covered by the insurance company like Hepatitis B any prenatal test or BCC Etc of the child also that is covered okay moving ahead but yeah in this case any you any problem like hearing reason or something like that this is not covered Dental not covered okay and basic plan we don't cover such things and yeah so these are things you can just simply see on you you can just read it every other thing these all are everything you can just read it just screenshot this document and you can read on your things right these are the list of things which is provided by the DHA which is mandatory but it's not needed to know you know not that much so yes uh I already told you uh the whole document the whole document of this employer insurance so in this uh we provide in this basic insurance we provide Esther hospitals access Hospital even Health Hub uh no all the these all kind of clinics not Hospital clinics okay so Aster Clinic uh access clinic nmc clinic held the clinic we provide everything and this is the widest Network in UA which we are providing so you can have you can have easier access to your hospitals in case of emergency in case of non-emergency in case of normal like that so uh if you want to know more about plants and if you want to even uh you know contact for buying any plan in this or like medical plan General plan life insurance then I am just going to drop my number below you can just call me but how only for the insurance purpose no other right I am going to uh only for insurance purpose okay and other than this uh I hope you really liked it and will continue to do the same if we get more views on it thank you