Confused about how to choose a health insurance and types. Why you need a health insurance Read on to discover insurance that suits your needs.

1. Health Insurance

2. What is health insurance?
Health insurance is a financial protection that you can
have against medical emergencies such as an injury or a
disease

3. Health insurance covers (depending on plans):
 Cashless treatments (through a network of hospitals)
 Hospitalization expenses including ambulance charges
 Free medical check-up (through a network of
hospitals)
 Critical illness/ Accidents/ Pregnancy

4. Most common types of health insurance
services
 HMO – Health Maintenance Organization
 PPO – Preferred Provider Organization
 PoS (Point of Service)
 High Deductible Health Plan

5. HMO – Health Maintenance Organization
 Allows you to choose a primary care doctor from a
network of healthcare providers
 In case of specialist care, your primary care doctor
will refer you to other specialists
 No deductible
 Low cost and co-payment amount

6. PPO – Preferred Provider Organization
 Allows you to have the entire network of healthcare
providers at hand
 Plus doctors outside the network
 There are some deductibles
 Deductibles increase when you consult with doctors
outside the network. So does the cost!

7. PoS (Point of Service)
 Allows you to choose a primary healthcare provider
from the network
 When necessary, you will be referred to specialists
within the network
 Shares the stipulations of both HMO and PPO
 Low premium but high deductible
 Deductibles can be even more higher when you see
doctors outside the network. So do the copayment
amounts!

8. High-Deductible Health Plan
 High deductibles but the premium to be paid is low
 Need to manage the expenses incurred for routine
checkups on your own, until the deductible amount is
met
 Once the maximum deductible is met, you will start
enjoying the coverage

9. Why take health insurance?
Health or medical insurance can help you out in paying
large medical bills, which can take a toll on your future.
Thus, it secures your ‘now’ and future.

10. We live in a world full of surprises and we have to be
wise enough to deal with situations that are extreme and
beyond our control.
After all, being forewarned is forearmed!

11. Gargash Insurance Services LLC
Office #305, 3rd Floor, Pyramid Centre,
Opp. Al Nasr Sports Club / Tas’heel, Umm Hurair Road
PO Box: 50251
+971 4 337 9800
+971 4 337 7888
www.gargashinsurance.com
Email: hodubai@gargashinsurance.com