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Explore a Wide Range of Health Insurance Packages at Competitive Rates. Whether you need basic health insurance for your visa application or comprehensive coverage for your family or employees, we have the right solution for you.
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Health Insurance in Dubai: A Detailed Guide
Dubai’s highly efficient healthcare system boasts an impressive statistic of 181 doctors per 100,000 residents, fostering growth in medical tourism and elevating the city’s global reputation
The United Arab Emirates (UAE) boasts a robust healthcare system with modern facilities and comprehensive health insurance options, accessible to both residents and visitors in Dubai.
The United Arab Emirates (UAE) boasts a robust healthcare system with modern facilities and comprehensive health insurance options, accessible to both residents and visitors in Dubai.
When moving to Dubai for work or entrepreneurship, it’s essential to understand the key aspects of health insurance plans, which play a significant role in calculating the cost of living in the city.
Mandatory Health Insurance Criteria in Dubai:
Health Insurance Variation and Facilities in UAE Cities Irrespective of the city, expect top-tier healthcare across the UAE. In Abu Dhabi, citizens benefit from the Thiga program, granting them comprehensive access to a range of public and private healthcare providers. The UAE features an all-encompassing government-funded healthcare system, providing excellent care standards in public and private sectors. These services are either free or offered at reduced rates for UAE nationals.
Non-resident and expatriate individuals must pay for access to the UAE’s high-quality healthcare services. In the case of employees in the UAE, it is the responsibility of their employers to ensure they have access to top-notch healthcare.
Furthermore, it is prohibited for employers, including those of expatriates in the UAE, to withhold employees’ salaries in exchange for medical coverage. Additionally, sponsors are obligated to furnish health insurance for their dependents.
Dubai’s Health Insurance Legislation Mandates Valid Coverage for All Residents, Meeting or Exceeding Minimum Standards Set by the Dubai Health Authority (DHA).
Dubai’s UAE Nationals Benefit from Saada Health Insurance, Offering Coverage to Citizens Not Receiving Assistance from Government Health Initiatives. Saada Enrollees Gain Access to Treatment at Both Private Healthcare Providers and Dubai Health Authority (DHA) Medical Facilities.
Understanding the Healthcare System in the United Arab Emirates (UAE).
In the UAE, healthcare processes are generally straightforward, but there are crucial nuances to consider. In Dubai, the health insurance coverage for employees and their dependents is intricately tied to their job roles and income. The type of insurance plan selected and the extent of coverage directly influence the expenses associated with medical services.
In Abu Dhabi, employers and sponsors are obligated to furnish health insurance coverage not only for their employees but also for their dependents, which typically encompasses one spouse and up to three children under the age of 18.
In contrast, Dubai-based employers are responsible for providing health insurance solely for their employees, while sponsors are mandated to offer insurance coverage for their resident dependents.
Overview of Private Health Insurance Options in Dubai.
Non-resident individuals in Dubai must have valid health insurance, which is typically the responsibility of their sponsor or employer. However, it’s worth noting that not all job positions include health insurance coverage. Coverage for dependents may also vary based on individual preferences, including specific treatments and the age of the dependents.
It’s essential to recognize that each private health insurance provider operates uniquely. Therefore, before selecting an insurer, it is crucial to understand their procedures, the process for filing claims, the scope of treatments covered by your policy, payment methods, and other pertinent details.
Visit the UAE Insurance Authority’s website for a comprehensive list of approved and registered insurance providers. It’s imperative to obtain health coverage from a legitimate insurance company. It’s also worth noting that if you plan to establish residency in Dubai or any other UAE city, you will be required by the government to demonstrate that you possess valid health insurance.
Benefits of Private Health Insurance.
A major advantage of private health insurance in Dubai is the avoidance of monthly fines. Failing to have health insurance in the UAE results in fines that may surpass your monthly healthcare insurance premiums.
Moreover, private health insurance opens the door to access some of the nation’s premier medical facilities, equipped with cutting-edge healthcare technology and staffed by experts fluent in English as their primary language.
Public Health Insurance Options in Dubai.
Public Health Insurance in the UAE: Emirate-Based Variations Public health coverage in the UAE exhibits regional differences, with emphasis on emergency care, preventive measures like newborn and child immunization, essential vaccinations, and maternity services.
The insurance plan also includes primary healthcare services like:
- Laboratory services
- Prescribed drugs
- Medical treatment by both general practitioners and specialists
- Physiotherapy services
- Consultants
- Radiology diagnostic services
- General examinations
- Diagnostic
- Other medicines
However, the insurance coverage excludes procedures like laser vision correction and surgeries, hearing and vision aids, as well as dental and gum examinations. Nonetheless, the healthcare coverage may be applicable to surgical procedures, postnatal care, and physiotherapy in certain instances.
Healthcare Coverage Options for Low-Income Individuals or Those Unemployed.
Supporting Low-Income Residents and Their Dependents: The Essential Benefits Plan (EBP) in Dubai.
The Essential Benefits Plan (EBP) comes with an annual fixed cost ranging from AED 550 to AED 650. It offers coverage for maternity care, medications, diagnostic tests, surgical procedures, emergency services, as well as both outpatient and inpatient treatments. However, it’s important to note that this coverage does have certain limitations, including:
- Primary Healthcare Services in Dubai
- Yearly Claim Ceiling of AED 150,000
- 20% Co-payment Limited to AED 500 per Visit for Vital Inpatient Healthcare Services
- Yearly Limit of AED 1,000 for Inpatient Services
- No Coverage for Pre-existing or Chronic Conditions During the Initial Six Months
- A 30% co-pay for every prescription
- An annual limit of AED 1,500 for medicine or prescription
The scheme includes healthcare for expectant mothers, encompassing both outpatient prenatal care and inpatient services during childbirth. This comprises coverage of up to AED 7,000 for a vaginal delivery and up to AED 10,000 for a medically required caesarean section.
In addition, a mother’s EBP plan includes a 30-day coverage period for a newborn child, encompassing essential screenings and tests. It’s essential to highlight that the UAE government permits only select insurance companies to offer the EBP.
It’s important to note that EBP is specifically designed for employees with monthly earnings below 4,000 AED, providing them with the same level of coverage as public healthcare insurance. If you are a domestic worker, your employer is responsible for providing you with healthcare.
Dubai's Premier Health Insurance Choices for Expatriates.
In case your employer does not offer healthcare coverage for both you and your dependents, you have the option to obtain coverage either through a private healthcare plan or the Essential Benefits Plan (EBP). When deciding on the most suitable coverage plan, it’s essential to weigh the requirements, advantages, and disadvantages of each option.
Opting for the EBP may entail an annual cost ranging from 550 to 650 AED, which is approximately equivalent to 150–175 USD. Before finalizing your choice of insurance provider, it’s advisable to review the list of registered companies on the Insurance Authority’s website.
These insurance providers also offer Islamic insurance options (takaful). For expatriates in Dubai, there is a wide array of plans to choose from. Among the prominent health insurance providers for foreign residents are Aetna International and Cigna Middle East.
Cigna offers a range of coverage levels, including International Plus, International, and Regional. For enhanced coverage and optimal benefits, you might want to explore the option of adding supplementary modules.
In contrast, Aetna presents expatriates with a selection of three distinct plans. Furthermore, they offer the flexibility to incorporate add-ons and optional benefits. Aetna also allows you to choose voluntary cost-sharing solutions and customize your areas of coverage while providing access to a wide network of hospitals.
Who Meets the Requirements for Health Insurance in Dubai.
Any expatriate holding legal employment status in Dubai is eligible for health insurance coverage provided by their employers. Accessing medical services at public facilities, government hospitals, and clinics requires possession of a valid health card.
To initiate the application process for the card, you can either visit a medical center in person or apply online through the Dubai Health Authority (DHA) website. Certain documents are necessary to complete the medical card application, including:
- Copy of your tenancy contract
- Passport details
- Emirates ID number
- Completed application card
- Two passport photos
- Residence visa
Obtaining a medical card incurs a cost of at least 320 dirhams for adults and 120 dirhams for children under the age of 10.