After customers refused to visit hospitals for non-critical cases

Companies: «Corona» reduces the volume of health insurance claims

• Some companies resorted to agreements with reinsurance companies after including the risks of "Covid-19" in the coverage.

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Insurance companies confirmed that the volume of claims for the health insurance sector recorded a significant decrease during the current year, due to the decline in the percentage of customers visiting medical centers and hospitals, especially non-critical cases or regular consultations during the period of the new Corona virus (Covid-19) pandemic. Health insurance has not seen an increase.

She explained to Emirates Today that some companies have resorted to various agreements with international reinsurance companies, and have tried to be more dynamic in this regard, after they resorted to including the risks of "Covid-19" in the coverage that they provide to those dealing with them.

Insurance documents

In detail, the CEO of the "Orient Insurance Company", Omar Al-Amin, said that the prices of health insurance policies in the local market remained at their usual levels compared to last year, without any noticeable changes being recorded since the start of the "Covid-19" pandemic, pointing out that this indicates that There is no pressure on the performance of the sector in light of the pandemic.

He added to "Emirates Today" that, due to the epidemic during the past period, some dealers have refrained from reviewing hospitals and medical centers, due to concern about infection, which was reflected in the decline in the number of claims, indicating that the volume of claims began to increase during the recent period, but it is still below its levels. The usual compared to past years.

He stressed that the health insurance sector is still able to adapt to the changes that have occurred in the markets due to the "Covid-19" pandemic, depending on the volume of claims in the sector, expecting prices to remain at their levels during the current period at least.

Performance Measurement

For his part, the General Director of "Dubai National Insurance and Reinsurance", Ramez AbuZayd, said that the volume of claims for the health insurance sector declined in large proportions during the closure period, due to the Corona pandemic, pointing to the reluctance of dealers to visit medical centers, especially cases Non-critical or normal consultations, and he said that continued for about two months.

He added: “With the reopening of economic activities, the number of visits to hospitals and clinics increased, and this was reflected in the high volume of claims, but they are still lower in limited rates compared to their usual levels,” indicating that performance cannot be measured during a full fiscal year, based on indicators only two months within Closing period.

He believed that the picture will become clearer at the end of this year, with all indications.

Abu Zayd explained that a noticeable percentage of customers began to obtain medical consultations via the Internet, after hospitals and medical centers provided this service to customers during the closure period, indicating that insurance companies cover the risks of "Covid-19" for sick cases that reach medical centers, as for In the event that customers want to conduct checks for the purpose of travel, or for other reasons, they are not covered according to the terms of the policy.

He emphasized that health insurance rates have not witnessed a rise during the current year, mainly due to competition between insurance companies.

The impact of the pandemic

The CEO of the Dubai Islamic Insurance and Reinsurance Company (Aman), Jihad Vitrouni, agreed that the percentage of health insurance claims recorded a significant decline during the recent period, due to the “Covid-19” pandemic, and the reluctance of some customers to visit hospitals.

He said that the pandemic will affect the results of insurance companies in the local market, as in various markets around the world.

Vitrouni added: “Undoubtedly, there is a clear impact of the pandemic in the health insurance sector, and the results will appear during the renewal of contracts for dealers, as well as contracts for reinsurance agreements with international companies,” indicating that some companies have resorted to various agreements with international repatriation companies. And it tried to be more dynamic in this regard, after it resorted to including the risks of "Covid-19" in the coverage it provides to its customers.

He pointed out that with the decline in the percentage of health insurance claims, the sector has dealt with the coverage related to the pandemic, expressing his hope that the results will be positive as a whole, so that they will be positively reflected on the beneficiaries of health insurance services.

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