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Better medical coverage starts with technology.

…health insurance simplified

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Here’s how insurance is supposed to be done. You’re going to love it.

Simple is always better:• Easy-to-understand benefits.

• T&C’s that make sense.

• Personalized map of insurer network.

• Downloadable claim forms, handbooks and documents.

• Convenient phonebook for important numbers.

We make your health insurance benefits accessible and easy to understand – we take your medical insurance plan and use technology & design to make it simple and intuitive. Not only can you give your employees a great health benefits platform, you can also save money by reducing your claims.

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Hospital & clinics network – Now its easy for your employees to stay within the insurer’s network. While insurers expect them to scroll through a PDF or a 30-page list to find covered facilities, we’ve made it easy to access a map of hospitals, clinics, dentists, labs and pharmacies anytime, anywhere. Did we mention we’re mobile friendly?

Modernize the way you provide health benefits

Why it’s important

Tackling the claims ratio – Health insurance companies & their affiliates negotiate discounted rates with medical service providers, which are then included in their network. Outside the network? It’s a whole different story. The cost of treatment is much higher, which means your company’s claims will be to.

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Save money by keeping your employees within the network

Prescribes

Employee visits Doctor

AED 250

AED 120

Outside Network Within Network

MRI

AED 2,000

AED 1,400

Outside Network Within Network

Your company’s claims from a simple doctor visit can be significantly higher if an employee goes outside the network* Figures are for illustrative purposes only

48%

Difference in Claims

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Policy benefits – looking for a specific treatment or benefit? It is as simple as getting onto bayzat and searching for it. We show you all the relevant terms & conditions. Whether it is excluded, requires pre-authorization, or you need to fill out a claim form, we’ll let you know.

Your employees will love it even more.

It’s as simple as:

1. Search 2. Results

Search for a benefit and get all the relevant info in your policy. We tell you things like:

• What is covered

• Where it’s covered

• Exclusions

• Coverage limits

• Restrictions

• Co-payments & deductibles

• And if you need pre-authorization

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Why your employees will use it.

When an employee goes outside of the hospital & clinic network, or does not get preauthorized for a treatment, they have to pay out of their own pocket, and get reimbursed by the insurer. The problem with that?

• The average UAE resident makes an average of 6.5 claims a year.

• The average insurer takes 51 days to pay the claim.

• The average claim is over AED 350 for out-patient services and over AED 11,800 for in-patient treatments.

• An employee typically ends up paying 20% of the cost if they go outside the medical provider network.

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