MAF
Also called Medical application form, Health declaration. Updated
When a MAF is triggered
A MAF requirement is a property of the plan, not of the client. Some plans require one from every member. Some require one only above a stated age — 55 is a common threshold on UAE charts. Some never require one, because the pre-existing terms are fixed and the insurer is not underwriting individually.
Why it changes the quote, not just the paperwork
A plan requiring a MAF cannot be quoted as a firm price. The figure from the rate chart is indicative until the insurer has read the declaration and confirmed terms, which may be acceptance, acceptance with a loading, acceptance with an exclusion, or decline. Presenting that plan next to a plan that needs no MAF, at the same visual weight, misrepresents both.
What it contains
Personal details, height and weight, current medication, past and present conditions, hospitalisations, and usually a set of yes/no questions on named condition groups. It is medical information about a named person, and it should be handled as such at every step — including inside whatever software the broker uses to collect it.
The commonest failure
A MAF collected late. The client accepts a quote, the MAF goes in, terms come back loaded, and the broker has to re-present a higher price to a client who has already decided. Knowing at comparison time which plans need one avoids the whole sequence.
Where this comes up
Related terms
In Rabt
Every one of these is a field in Rabt
Co-pay, network, age band, waiting period — Rabt holds them as data on the plan, so a quote states them the same way every time and a comparison can line them up.