How to check if you have health insurance

We all know more or less about health insurance. Health insurance is a very important insurance. Which provides financial protection against all unexpected damages to our health. Many people in today's world take this insurance. But before taking this insurance, you must know about things like what this insurance covers and what it does not cover, how to check if this insurance is there, etc. And we have discussed these issues in detail in today's post. From there you can learn several important information about health insurance. So keep reading the post carefully.

how to check if you have health insurance

what is health insurance?

First, we will know what health insurance is all about. What is health insurance? Health insurance is a type of insurance policy that provides financial assistance against the treatment of unexpected illnesses, diseases, or accidents that occur. That is, health insurance is a type of contract between the insurance company and the policyholder where the insurance company provides financial protection against health-related risks to the policyholder in return for receiving a certain amount of premium from the policyholder on a monthly or annual basis. This insurance mainly provides immediate financial assistance to the policyholder in case of a medical emergency. This health insurance can be of different types such as,

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  • Personal health insurance. 
  • Family Floater Health Insurance. 
  • Senior Citizen Health Insurance. 
  • Critical illness insurance. 
  • Group Health Insurance. 
  • Hospital Cash Policy.
  • Chronic Disease Policy.
  • Maternity Health Insurance Plan. 
  • Hospital Reimbursement Policy etc.

what does health insurance cover?

Before taking any insurance we must know what the insurance that I am taking will cover me. In this case, if you want health insurance, first find out what insurance can cover you. And to make it easier for you to know, below is what health insurance covers.

  • Doctor and hospital visit expenses. 
  • Prescription costs. 
  • Mental health care. 
  • Ambulance transport costs. 
  • Expenses for hospital treatment. 
  • Medical expenses for various types of surgery. 
  • Costs for scans, various tests, and x-rays. 
  • Emergency services Cost of pregnancy, maternity, and newborn care. 
  • Preventive and wellness services. Costs of access to better quality healthcare.
  • Pediatric services including oral and vision care (adult dental and vision not mandatory) etc.

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Note that the services a health insurance policy covers may vary based on the type of insurance. Therefore, before buying health insurance, make sure to check carefully.

what does health insurance not cover?

At this stage, we will outline what health insurance does and does not cover. Below is a list of things that health insurance does not cover.

  • Does not cover adult dental services. 
  • Vision does not provide coverage against problems. 
  • Does not provide coverage for any type of drug use. 
  • Does not provide coverage for uncovered prescription drugs. 
  • No weight loss surgery is covered. 
  • The insurance does not provide coverage for any pre-existing illness. 
  • It does not provide coverage in case of pregnancy and abortion.
  • Cosmetic surgery. 
  • Off level prescription. 
  • Alternative therapy costs. 
  • Charges for diagnostics. 
  • Self-inflicted injury.
  • Sterile reversal does not provide coverage for instrument manipulation. 
  • Private does not cover any nursing costs. 
  • Acupuncture and other alternative therapies etc.

how to check if you have health insurance

Many of us ask how to check our health insurance plan. There are several ways you can follow to check your health insurance plan. You can follow these two mediums offline or online. In case you want to check your health insurance offline. Then you have to take health insurance from the insurance company you used to take it from. You have to contact that institution. 

If you want to check your health insurance plan online, you can use your Emirates ID, medical card, policy number, etc. And by using the online medium you can check your health insurance plan at home. You can also check if your health insurance is active using many other methods. To make this task easier for you, below we have listed some top ways to check if health insurance is active online. You can follow these ways if you want. The ways are given below.

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Using Your Insurance Card

The easiest and most common way to check if your health insurance is active online is to use your health insurance card. Every time you purchase new health insurance from an insurance company, that insurance company issues a health insurance card online or offline for your health insurance. It is basically kept as proof of health insurance that you have. Health care will be provided to you only by presenting this card when you receive any health care. That is, you can understand whether you have health insurance coverage or not through these four.

Using Your Policy Number

Another way to check if your policy is active is to use your policy number. In this case, you first go to the main website of your health insurance provider and then login there using your policy number. As soon as you log in to this website, you will get detailed information about your health insurance. Here you can check whether your health insurance is active, whether you have next month's premium due etc.

Using Your Emirates ID

You can get detailed information about yourself with your ID number. No matter which country you live in, you can get your detailed information very quickly with your ID number in that country. We have tried to explain the matter here with the UAE Emirates ID Number. Everything from your health card to your health insurance plan is linked to your ID. So you can easily know if your health insurance is active online using your ID number. To do this you first need to visit the official website of the Federal Authority of Identity and Citizenship. 

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Then log in using your Emirates ID number at a portal on that website called Sign in and get all the information about you. Emirates ID can scan you at many medical facilities like hospitals and clinics. Due to this, you do not need to carry your medical insurance card with you. For this, just use the Emirator ID number to get all your information. And such a system exists in all countries.

Using Aggregator’s Website

If you have purchased your health insurance plan from an insurance aggregator, you can check whether your health insurance plan is active by visiting their website. In this case, use their customer support link and contact them.

Apart from the above-mentioned ways, there are many other ways that you can use to check if your health insurance is active or not. However, the above-mentioned methods are currently used more.


Dear Readers, So far we have discussed in detail in this post what is health insurance, what health insurance covers and what does it not cover, and various ways to check if your health insurance is active. Hope you are now able to find your health insurance if you are reading this post. Finding health insurance is not as difficult as you thought. It is very easy to find, hope you understand. Health insurance can financially protect you and your family from all unexpected risks. This insurance can give you peace of mind. Health insurance can also provide you coverage for many things, which we have discussed above. 

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We have always tried to give you accurate information in this post. But we may also have some mistakes, hope you will see our mistakes with forgiveness. And if you have benefited from this post then definitely share this post with others and let them benefit. And pray for us so that we can give you more new information. Thanks for completing this post.

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