Treatment approval denied
The insurer refused pre-approval for a procedure, test or medication.
Insurance claims settlement · UAE
Health insurance refused your claim?
A treatment approval was denied, a reimbursement was rejected, or the insurer paid only part of the bill. We review your case for free, put the medical evidence in order, and present a clear complaint that answers the insurer's reason.
- Free eligibility review
- Approvals and reimbursements
- Arabic and English
- Offices in 3 emirates
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Preview only: this form does not send requests yet.Why are health insurance claims rejected in the UAE?
Health claims are most often refused because the insurer says the treatment was not medically necessary, was linked to a pre-existing condition, was outside the network or the plan's cover, or lacked a required pre-approval or document. Each of these can be answered with the right medical reports and policy references. Depending on the emirate and the plan, some health complaints are also handled by the local health authority, and we tell you which route applies.
Common situations
Health insurance problems we handle
These are the health cases clients bring to us most often.
Reimbursement rejected
You paid the hospital or pharmacy, and the claim was refused.
Partial payment
Only part of the bill was covered, with deductions you dispute.
Pre-existing condition
The insurer says the condition existed before the policy.
Out-of-network treatment
Emergency or necessary care outside the network was not paid.
Delays and no reply
The claim is stuck while bills or treatment wait.
What we do
What we do for your health claim
We turn medical paperwork into a clear case the insurer has to answer.
- Review the plan, the table of benefits and exclusions
- Read the denial or rejection reason
- Organise medical reports, invoices and prescriptions
- Ask your doctor for the supporting letter that matters
- Draft the complaint to the insurer
- Track the 30-day response period
- File with the right complaints body if it is not resolved
- Follow up until a decision, and prepare an appeal if needed
We do not give medical advice. We present the medical evidence your doctors provide in the way the insurer needs to see it.
Documents
Documents for a health insurance complaint
The plan
- Insurance card and policy
- Table of benefits
- Network list if relevant
The treatment
- Medical reports and diagnosis
- Invoices and receipts
- Prescriptions and test results
The insurer's answer
- Approval request and denial
- Rejection or settlement letter
- Correspondence and reference numbers
Very helpful
- A letter from your doctor explaining medical necessity
- Your medical history before the policy started
- Emirates ID
How it works
How we handle your claim
- 01
Free eligibility review
Send your policy and the insurer's reply. We tell you if you have a case and what is missing.
- 02
We prepare the file
We collect the evidence, organise the documents and draft a clear, well-argued complaint.
- 03
We file and follow up
We raise it with the insurer first, then with the Sanadak unit if it is not resolved.
- 04
Decision, or appeal
You get updates until the decision is issued, and we prepare your appeal if you need one.
The complaints route
Two stages, and we prepare both
Stage 1
Complaint to your insurer
The insurer must first get the chance to resolve your complaint, usually within 30 calendar days. A complete, well-documented complaint at this stage often settles the case.
Stage 2
The Sanadak unit
If the insurer does not resolve it, or you disagree with its answer, the complaint goes to the Sanadak unit, the official complaints body set up by the Central Bank of the UAE. Filing is free for consumers. Insurance disputes normally go here before court.
If you need to appealBefore you file
Before you file a health insurance complaint
- Ask for the denial in writingThe exact reason guides which medical evidence is needed.
- Get a doctor's letterA short letter on medical necessity is often the strongest evidence.
- Keep every invoiceOriginal invoices and receipts are needed for reimbursement.
- Watch the deadlineComplaints can generally be filed within three years of the event, or two years from when you became aware of it.
Why Saadatak
Claims specialists, not a general typing centre
- We know why claims get rejectedWe check your file for every common reason before it goes in.
- The right papers, the first timeFewer requests for more information, fewer delays.
- Clear fees before we startThe first review is free, and you get a written quote before any work begins.
Health insurance claims: frequently asked questions
My health insurance denied a pre-approval. What can I do?
Ask for the reason in writing, get a supporting letter from your doctor, and complain to the insurer. If it maintains the denial, the complaint can be escalated. We prepare and follow it for you.
Can I claim back money I paid for treatment?
Yes, if the treatment is covered by your plan. If the reimbursement was rejected, we review the reason and prepare the complaint with your invoices and reports.
The insurer says it is a pre-existing condition. Is that final?
Not necessarily. It depends on what was declared, the policy terms and the medical history. We review the facts before advising.
Where do health insurance complaints go?
First to the insurer. Then, depending on the emirate and the plan, to the Sanadak unit or the local health authority. We tell you which route applies to your case.
How long does it take?
The insurer is usually expected to respond within 30 calendar days. After that, the time depends on the complaints body and the case.
How much does your service cost?
The first review is free. Our fee is confirmed in writing before we start.
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