2. 2
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.
3. 3
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.
4. 4
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
5. 5
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
6. 6
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.
