Residents in Dubai often assume that a comprehensive health insurance policy guarantees full coverage once a medical condition is diagnosed. However, disputes frequently arise when insurers decline to approve certain procedures, investigations or treatment plans — particularly when the illness has developed recently.
Under UAE law, health insurers are not permitted to arbitrarily deny medically necessary treatment that falls within the scope of the policy. The legal framework governing health insurance in Dubai places clear obligations on insurance providers to honour coverage and ensure beneficiaries can fully exercise their rights.
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