Medical Reimbursement in the UAE

Medical reimbursement allows an insured member to request repayment of eligible medical expenses that were paid directly to a healthcare provider. Reimbursement is subject to the member’s medical insurance coverage, provider network rules, benefit limits, co-payments, exclusions and claim requirements.

Paying a medical bill does not automatically guarantee reimbursement. Al Buhaira Insurance will review the completed claim form, supporting documents and policy benefits before confirming whether the claim is payable.

When Can You Submit a Reimbursement Claim?

A reimbursement request may be considered when:

1. You Paid for Treatment: The insured member received medical treatment and paid the healthcare provider directly.
2. The Treatment Is Eligible: The medical service falls within the selected policy’s benefits, limits and geographical coverage.
3. Required Approval Was Obtained: Prior authorisation was received where required by the policy.
4. Supporting Documents Are Available: The member can provide the required invoices, receipts, prescriptions, medical reports and investigation results.

How to Submit a Medical Reimbursement Claim:

Follow these steps:

1. Download the Claim Form: Download and complete the Al Buhaira Medical Reimbursement Form.
2. Complete All Required Fields: Provide the patient, policy, treatment, diagnosis, healthcare provider and bank details requested in the form.
3. Ask the Doctor to Complete the Medical Section: The treating physician should complete the clinical information, diagnosis and treatment details, then sign and stamp the form.
4. Attach the Supporting Documents: Include the itemised invoices, payment receipts, prescriptions, medical reports and other applicable documents.
5. Submit the Claim: Send the completed form and supporting documents to claims@albuhaira.com or submit them through the online medical reimbursement form.
6. Keep the Claim Reference: Retain the email confirmation, claim reference or batch number for future claim-status and payment enquiries.

Documents Required:

For treatment received inside the UAE, submit:

1. Completed Medical Reimbursement Form
2. Itemised medical invoices
3. Receipt or other proof of payment
4. Applicable prescriptions
5. Diagnostic investigation results
6. Patient’s Emirates ID and insurance details
7. UAE bank account and IBAN details

Additional Documents:

Some treatments require further supporting records:

1. Inpatient Treatment: Submit the discharge summary and operation-theatre notes, where applicable.
2. Treatment Outside the UAE: Submit the same supporting documents in Arabic or English. Documents in another language should be translated into English.
3. Physiotherapy: Include a referral from an orthopaedic specialist or neurologist.
4. Speech Therapy: Include a referral from the treating doctor.
5. Additional Medical Information: Provide further reports or clarification when requested during the claim review.

What to Check Before Submission:

Review these points to avoid an incomplete claim:

1. Complete Information: Ensure all mandatory fields in the reimbursement form are completed.
2. Clear Documents: Submit readable copies showing the patient’s name, treatment date, service details and amount paid.
3. Policy Eligibility: Confirm that the treatment occurred while the medical insurance policy was active.
4. Medical Network Rules: Review whether out-of-network treatment is eligible for reimbursement.
5. Submission Deadline: Submit the claim within the period stated in the policy terms.
6. Bank Details: Check that the account holder’s name and UAE IBAN are accurate.

Medical Reimbursement Form:

Download the form, complete the required patient and bank information, and ask the treating physician to complete the medical section.

Why Use Al Buhaira’s Reimbursement Channels?

Policyholders can access:

1. Online Submission: Customers can submit reimbursement information and supporting files through the online form.
2. Email Submission: Completed forms and documents can be sent to the designated medical claims email address.
3. Claim Guidance: Customers can call 600 545459 for guidance about submitting a reimbursement request.
4. Status and Payment Enquiries: Separate online channels are available for medical claim-status and reimbursement-payment enquiries.

Frequently Asked Questions: