The pitfalls of Essential Benefits Plans (EBP):

1. Regulatory Price Controls and Inadequate Coverage:
EBP are priced low due to regulatory controls on pricing and benefits. While this may seem like an advantage, it has unintended consequences. The low pricing results in insurers significantly restricting the network of healthcare providers where these products can be used. Moreover, they often impose unbearable approval times, rendering these plans virtually useless and causing policyholders significant stress during sensitive times when their health is compromised. Consequently, even though EBP may appear to provide adequate coverage on paper, the reality is far from it.

2.  Limited Benefits and Unrealistic Approval Limits:
EBP often come with unrealistic approval limits and lengthy waiting times for treatment, exacerbating the issues mentioned above. With such constraints, customers are left with no choice but to pay out of pocket for their healthcare needs, as the insurance plan they thought would protect them fails to deliver the coverage they expected. In essence, the limited benefits and approval limits create a barrier for policyholders to access the very services they believed their insurance would cover.

3. Network Restrictions and Absence of Reimbursement Facilities:
EBP typically restrict access to a narrow range of healthcare providers, which not only limits the choices available for customers but can also lead to additional waiting times for treatment. In some cases, policyholders may be forced to choose between waiting for an appointment with an in-network provider or seeking treatment at a facility outside of their plan’s network, resulting in significant out-of-pocket expenses. Furthermore, these plans do not offer reimbursement facilities, leaving policyholders with no recourse to recover any out-of-pocket expenses they incur.

Why choose’s Enhanced Benefits Plans?

1. Comprehensive Coverage at Reasonable Prices:
Enhanced benefits plans offered by strike the perfect balance between affordability and comprehensive coverage. Although the cost of enhanced benefits plans can vary based on factors such as age, gender, and pre-existing conditions, they typically range from AED 500 to AED 1500 more than EBP. This modest increase in price is well worth the added value in terms of coverage, service levels, turnaround times, and network of providers. In comparison to EBP, enhanced benefits plans provide policyholders with a much broader range of healthcare options and a more responsive claims process.

2.  Customer Satisfaction and High Retention Rates: takes pride in recommending enhanced benefits plans to its clients, as these products provide the necessary coverage and support during times of need. This commitment to customer satisfaction has resulted in high retention rates for entry-level enhanced benefits plans. Unlike the EBP, enhanced benefits plans have been thoroughly tested by, ensuring that these products meet the needs of policyholders and provide genuine protection during critical moments.

3.  Upgrading for Peace of Mind and Financial Security:
Many customers who initially opt for enhanced benefits plans later choose to upgrade to even more comprehensive plans once they have experienced the peace of mind and financial security that health insurance provides. By protecting themselves, their families, or their employees with quality health insurance, customers can focus on what matters most—maintaining their health and well-being.


Essential Benefits Plans (EBP) may appear to offer a cost-effective solution for health insurance, but their numerous shortcomings often lead to disappointing outcomes for policyholders. Due to regulatory price controls and resulting network restrictions and approval delays, these plans can cause significant distress for policyholders during sensitive times when they need the assurance of an insurance policy. Furthermore, the limitations imposed by EBP can leave policyholders with substantial out-of-pocket expenses and no means of reimbursement.

By choosing enhanced benefits plans offered by, customers can enjoy comprehensive coverage and superior service levels at an affordable price. These plans provide policyholders with a much broader range of healthcare options, a more responsive claims process, and the peace of mind they deserve. This not only ensures peace of mind but also provides the protection and financial security that truly matters during times of need. By opting for’s enhanced benefits plans, customers can safeguard their well-being and avoid the pitfalls of EBP that often leave policyholders feeling unprotected and financially burdened.

About Author

Avinash Babur

About Author

Founder and CEO of™ – the UAE’s leading InsurTech platform, Growth Mindset Entrepreneur, Ace Digital Marketer, Thought Leader, YouTube Talk Show Host of Time Out With Avinash and Associate of the Chartered Insurance Institute in the UK (ACII).