Answer:
Health Insurance Claim Denial (Hidden Exclusions / Pre-existing Conditions)
1. Review the Policy
Obtain a copy of your health insurance policy and check еerms regarding pre-existing conditions and clauses labeled as exclusions.
2. Request Written Explanation
Ask the insurer for a written denial explaining the exact policy clause being invoked.
3. Collect Medical Evidence
Obtain a detailed medical report from a licensed UAE doctor or hospital explaining the nature of the injury from the accident. Show that the condition requiring treatment directly resulted from the accident and is not pre-existing.
4. File a Complaint with the Insurance Authority
If the insurer refuses to pay, submit a complaint to the Insurance Dispute Resolution Committee (IDRC) (now part of the Banking and Insurance Dispute Resolution Unit (BIDRU) under the Central Bank) and Sanadak (financial and insurance ombudsman unit).
Include policy copy, accident report, denial letter, and medical evidence. The authority reviews disputes and can c...