A new directive from the Dubai Health Authority (DHA) requires insurers to cover newborn babies, even if premature, with no waiting period, according to media reports. The aim of this directive is to ensure that there is no gap in a newborn having access to continuous insurance cover from the time of birth.
Under this new directive, insurance companies must immediately provide the newborn with medical insurance cover with the same table of benefits as the family’s insurance after the 30-day period of cover under the mother’s policy is over or after utilization of the annual limit of the mother’s policy. Insurers may no longer impose waiting periods of any kind on newborns. Currently, some insurers are imposing six-month waiting periods on newborns.