Car Insurance or Health Insurance - What to claim after an accident?
There are different types of insurance available and each one of them is for the well-being of the policyholder. Out of several other insurance types, car insurance and health insurance are mandatory in the UAE. Every individual in the UAE must have health insurance and every car on the road must have car insurance else there will be high legal charges levied.
Car insurance in the UAE works as the financial protection for the vehicle and passengers during accidents, fire, theft, etc. While health insurance provides coverage for the insurance holder on medical bills and treatments. Though the working of car insurance and health insurance is a bit different, there is one common feature that both insurances cover that is medical coverage. And here the real question arises that is, what should you opt for car insurance or health insurance after an accident?
And to determine what to be chosen, you must ask yourself a few questions as mentioned below.
How will car insurance provide medical coverage?
When the car owner meets with an accident and there is valid car insurance for the vehicle, then there is medical coverage provided for the passengers in the vehicle. The medical coverage on car insurance comes under Personal Accident Cover. Some of the insurance providers offer personal accident cover under the basic comprehensive car insurance policy while some offer it as an add-on that needs to be purchased as additional coverage on the basic comprehensive car insurance cover.
The personal accident coverage on car insurance is provided for the driver of the vehicle and the passengers as well depending upon the insurance provider. And for the passengers, there is another add-on, the Passenger Cover add-on. In most cases, the basic comprehensive car insurance or the personal accident cover does not involve the passengers, the car owners can opt for the passenger cover which covers the medical bills of the passengers in the car during the accident.
Though car insurance mainly focuses on the financial coverage of damages that occurred to the vehicle, it also provides additional coverage for the driver and passenger as well.
Will health insurance cover accident bills?
This is the first thing you need to check. Ideally, most insurance providers offer health insurance for accident coverage but there can be certain exceptions, though health insurance covers accident bills, it may not cover every care provider and every treatment. And also certain health insurance providers may have already stated in the plan that in the case of car accidents, health insurance is secondary if there is car insurance available.
How much should be paid by you?
An insurance deductible is an important factor. This means how much the insurance holder needs to pay out of pocket after the insurance provider provides coverage. When you have to choose between car insurance and health insurance besides checking which offers good treatment at good care providers, you must also check which offers higher coverage. The insurance which offers you high coverage and lets you pay less can be chosen. There can be certain insurance providers who offer no deductibles, that is, the bills will be completely taken care of by the insurance provider.
As already mentioned, the insurance deductibles will be the secondary thing while the right medical treatment should be the primary choice of the insurance holder.
Who provides quick coverage?
Providing quick and instant coverage is a key aspect of insurance. The insurance holder must check whether the car insurance provides quick coverage or health insurance. There are instances where first the car insurance provides coverage and then the remaining balance will be cleared by the health insurance or vice versa. Irrespective of who’s paying, it is better to pick the one that offers quick and hassle-free coverage.
Conclusion
Car insurance and health insurance are important and mandatory in the UAE. When there is a solid health insurance plan, then it is recommended to go for health insurance and get the treatment right as car insurance is meant to cover damages caused to the vehicle. If the personal accident cover on the car insurance offers higher benefits than health insurance then undoubtedly car insurance coverage is preferred. Overall, choosing one when given an option depends on the insurance holder and the providers as well.
