The UAE is a state with a well-developed healthcare system and an ever-increasing level of medical care. In recent years, the number of medical institutions and specialists has grown considerably. To date, there are 181 doctors per 100,000 citizens. Medical insurance is quite essential in providing high-quality healthcare in the UAE. Therefore, health insurance is compulsory for all Dubai expatriates and tourists. The specialists of our agency have prepared material that highlights the main reasons for the necessity to obtain a policy and the primary types of this document.
Dubai Medical Insurance’s Main Benefits
- Financial support. Insurance allows its owner to receive financial coverage for expenses with medical purposes that protects against unexpected spending of money. In most cases, the policy even partly covers the cost of prescribed medications.
- Access to quality healthcare. Individuals with Dubai medical insurance are guaranteed to receive timely and effective medical care in almost any case. The arranged contract provides access to a wide network of private healthcare establishments with English-speaking staff.
- Mental health support. Mental well-being support in a new country is often a real necessity that can be covered by properly selected policy.
- Comprehensive assistance. Dubai medical insurance covers an expanded range of medical services, from help in emergency situations to scheduled visits to a doctor.
- Maternity benefits. The future mothers need policies to obtain a high level of prenatal and postnatal care, as well as newborn healthcare.
Types of UAE Health Insurance
The UAE healthcare system is divided into state and private sectors. Therefore, there are two primary ways to obtain health insurance in Dubai. While citizens prefer to get a state policy, non-residents apply to private companies.
State Medical Insurance
About 1/6 of all Dubai medical institutions are public clinics. They provide quite a high level of service. Insured UAE citizens can get help in such clinics for free. Although most foreigners obtain health insurance through private organizations, they can also receive professional assistance in state institutions. However, for this, they need to obtain not only insurance but also a paid health card. It is possible to apply for it online on the Dubai Health Authority’s (DHA) website. The list of required documents involves a photo card, a copy of a foreign passport, the original and copy of Emirates ID, as well as a valid entry visa. The card’s cost varies from AED 120 to 320, depending on the applicant’s age.
Private Health Insurance
Dubai Health Authority oversees both the public and private medical sectors to guarantee the quality of supplied services. According to current legislation, employer companies have to provide a high level of medical care to their workers and arrange medical policies for them. Insurance for expat dependents is not a company’s responsibility. Sometimes, the expatriates draw up policies for their family members on their own. All foreigners who enter the state as individual entrepreneurs, self-employed workers, retirees, or travelers apply for medical contracts on their own. The UAE medical insurance prices depend on the insurance plan and a list of available services.
Dubai Insurance Health Plans
Most companies offer their customers four types of policy plans.
- The Essential Benefits Plan is the basic plan with a minimum threshold. The plan is designed for dependents without their own income or for people with monthly revenue less than AED 4000. It doesn’t include laser vision correction as well as dental and orthodontic services. The annual average UAE medical insurance price varies from AED 525 to 750.
- An individual insurance plan is suitable for a particular expat or their family member who wants to receive comprehensive insurance. These plans have a wide range of coverage that determines the price. The average cost is about AED 10,000.
- A family insurance plan offers broad coverage of services for the whole family. The UAE medical insurance prices of this type start from 17,000 dirhams.
- A group insurance plan is designed for a group of employees that involves more than 20 people.
Providers also offer travel insurance plans required for Dubai visitors. They are maximally flexible.
Health Insurance in Dubai: Why Is It Obligatory?
According to the state’s legislation, all residents of Dubai must obtain a health policy. In case of its absence, the government applies certain sanctions. The main punishment is a monthly fine of 500 dirhams and probable refusal to extend a residential visa.
Best Dubai Health National Insurance Companies
ADNIC
Abu Dhabi National Insurance Company provides insurance solutions for businessmen and individuals, offering them flexible plans. Quick application process, well-developed customizable products, vast local network, and participating insurer status given by Dubai Health Authority are the primary reasons for ADNIC’s popularity.
Medgulf
Founded in 1980, a regional provider supplies diverse medical insurance options in Dubai, including basic and premium solutions. The main strengths of the company’s products are affordability, safety, and efficiency. Medgulf guarantees its clients high-quality service and comfortable interaction.
Daman Health
Established in 2006, the company is famous for its exclusive plans and a wide range of services. Among their clients are both the UAE and foreign leading organizations, travelers, self-employed individuals and their families, etc. It is one of the most popular Dubai health insurance companies, serving more than 2.8 million people.
NGI
For many years, National General Insurance Company has been demonstrating financial stability and an ever-growing number of quality products, including individual and group plans for expats and their families, as well as travel insurance required for Dubai. The company’s mission is to select a proper policy for any individual.
Oriental Health Insurance Dubai
From budget solutions to premium options, the organization since 1982 has been offering a vast range of reliable products to its customers from different corners of the world. The company’s managers are aimed at providing a client with an insurance plan that fulfills all their medical requirements.
Medical insurance in Dubai will supply you with effective and high-quality treatment in modern and well-equipped clinics. To get it, apply to one of the private insurance companies and give the specialists the required documents. In most cases, the process is quite comfortable and simple.
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