The different features and benefits of health insurance in Dubai and across the UAE are listed as follows: Following are the different types of medical insurance plans that one can opt for in order to meet their some specific insurance needs: As its name suggests, individual medical insurance plans are offered by health insurance companies in the UAE to a single policyholder. This health cover will replace the health card system, and it is estimated it will cost AED 500-700 per year and provide health cover to a maximum of AED 150,000. The basic health coverage costs employers an estimated 600 to 700 AED a year and offers medical coverage of up to 150,000 AED. This is an advantage for the employers to provide health insurance to their employees in a cost efficient way. Unlike in the UK, where only people with private cover can see specialists immediately, in Dubai you don’t need a doctor’s referral in order to see any kind of specialist. able to use the public system too, although the services are. © Copyright-2020 policybazaar.ae. Meanwhile, public services typically exclude dental care, ear care, and eye care. International Container Shipping Costs 2020, 11 Top Tips for Moving Overseas Cheaply 2020. As per Dubai Health Authority (DHA ) circular SN 04/2019, all member records need to be validated through Dubai Health Care Post Office (DHPO) eClaims link before issuing the policy. Saada is a health insurance programme for the citizens in the emirate of Dubai. The Essential Benefits Plan (EBP) is a collaboration between the Dubai Government and a small handful of medical insurance companies, providing essential benefits at affordable prices for Dubai residents. The standard of healthcare in Dubai is extremely high, meaning physicians are highly trained, equipment tends to be state-of-the-art, and facilities are very pleasant and clean. When it is important to opt for a health insurance in Dubai, with plenty of options available in the marketplace, choosing the best plans can be a daunting task. Whenever any of you have any medical issues, you make an appointment with your ‘family doctor’, who (in theory) becomes familiar with your whole family’s medical history. Save money on individual and group policy quotes! Health insurance generally covers the cost of doctors or emergency room visits, medicines, laboratory & other diagnostic tests for medical conditions other that specific exclusions. AED 150,000. Call us: +971 (0)4 279 3800 Contact Us . It provides insurance coverage to citizens who do not currently benefit from any government health programme in the emirate of Dubai. Unless your employer is particularly benevolent, you will have to, You’ll have the peace of mind that there’s an extra safety net, providing you with the cover that Dubai’s public services don’t offer, Doctors are significantly more available in Dubai’s private healthcare sector. , or by paying a visit to a medical centre. 4.9/5 Rating (10,000+ Reviews) Our health insurance affiliates We’ve partnered with leading health insurers in the UAE to bring you the most competitive quotes & customise your policy to suit your needs. Expats are able to use the public system too, although the services are not free for expats. We look forward to helping you and your loved ones a healthier life. Find the best family health insurance plan in Dubai and the UAE region. Ensure you have medical travel insurance with international coverage that covers COVID-19 before travelling. Most companies in the UAE include health insurance as part of their salary package. Emirates COVID-19 Cover Assistance. not covered: … Dubai takes a very strict approach to prescription drugs. This guide explains healthcare throughout the UAE for expats, and includes the following topics: Overview of healthcare in the UAE; Cost of healthcare in the UAE; Health insurance … Cost of drugs and medicines up to an annual limit of AED 1,500 – there’s a 30% co-insurance (payable by the person insured) in respect of each and every prescription. Pregnancy insurance typically includes protection from the costs associated with pre- and post-natal care, the delivery, and any costs that arise from birth complications. Pacific Prime reported that Dubai is the 7th most expensive country in the world for private medical insurance; the UK is in 6th, while the US is 1st. ... Health insurance in Dubai In recent years, the Dubai Health Authority has implemented new legislation under which all residents, expat and Emirati alike, as well as their … But not on Basic plan. We offer: In-patient Cover, Out-patient Cover, Regional Cover, Worldwide Cover, Repatriation Cost Cover, Emergency Medical Evacuation and Repatriation Cover etc. (6) of 2007,Certificate No.14 dated 29th Dec 1984,Comm. You have to pay the charges in full and file a reimbursement claim for eligible expenses. The Health Insurance Law of Dubai No 11 (2013) requires all residents to have a level of health insurance coverage that meets or exceeds the minimum benefits laid out by the Dubai Health Authority (DHA). As of 2015, fines of 500 AED per month (136 USD) ... Average Health Insurance Cost in the UAE. Bayzat team will be there to support you when you need it most. Tell us where you're moving to and compare prices from up to 6 trusted removal companies to see how much you could save today. Unless you’ve been born with the teeth of a god, it is very important that you take out some kind of dental cover in Dubai. Although only a few health insurance companies in UAE offer such type of plans, they might ask for a medical check-up before selling out the plan. For individual policies, if it is a first time applicant (new to Dubai), there is a cooling(no claim allowed) period of the first 6 months of the policy. We use cookies. Instantly compare medical insurance from leading insurers in the UAE, pay online, and access your policy with your phone. monthly health insurance premiums are much cheaper than the fines (not to mention much more sensible). However, even family health insurance plans come with their own restrictions, such as a maximum number of dependents and other such conditions. They also have to pay for a health card, which costs 320 dirhams (AED) (£71) for over-10s, and 120 AED (£27) for under-10s. Nevertheless, it’s good to know the key benefits of what you’re being made to buy. I visited the Takaful Emarat office in New Century Tower (opposite Deira City Centre) and went up the 7th floor to their office. The higher the deductible, the lower the premium you pay. You can. The health insurance policies are an integral part of the healthcare infrastructure as they cover the cost associated with medical and surgical expenses of the policyholders. Healthcare facilities in Dubai. As we’ve already mentioned, private medical cover is mandatory, but you should also apply for a health card, as there may be some treatments that your private insurance won’t cover. An expat newborn is only considered a citizen if one of its parents already has UAE citizenship. Camels crossing the desert before the Dubai skyline. Just show your emirates ID at the participating provider. One may have repeatedly come across the term ‘network hospitals’ when going through the various plans offered by the top health insurance companies in the UAE. To analyze the premium trends of different countries every year, our team of experts at Pacific Prime prepares a Cost of Health Insurance Report, which draws valuable data from seven major insurers in 100 countries, to rank the most expensive countries by the average premiums of international private medical insurance (IPMI) for individuals and families found there. Dubai National Insurance and Reinsurance Company (DNIR), being one of the best Medical Health Insurance companies in Dubai & Abu Dhabi, it has a wide range of Medical insurance products which is suitable for individuals providing protection against their illness and consequent medical expenses. There’s a reason Dubai has become one of the ‘medical tourism’ capitals of the world. Healthcare in the UAE is generally excellent, and Dubai is no exception. In the northern emirates - Sharjah, Ajman, Fujairah, Ras Al Khaimah, and Umm Al Quwain - companies are not required by law to provide medical insurance to their employees, let alone to dependants. Quickly Find The Best Expat Health Insurance For The UAE. Please note: it’s against the law in Dubai to pay for your employees’ health insurance by taking deductions from their salary. If you have any domestic help (e.g. Dubai law states that all dependants, including domestic workers, must be covered for basic health insurance - but the responsibility lies with the visa sponsor, warns Mr Bayaa, and not the employer. The average annual cost of health insurance for an individual in Dubai is $4,772 (around £3,915) – that’s according to Pacific Prime’s global study from 2017. That’s why we’ve partnered with Cigna for private medical insurance in the UAE. Entertainment, Health & Wellness. With over 95 million customers worldwide and a wide range of policy options, Cigna will get you sorted in no time. have private health insurance, but this is likely to be close to 100% today. Start building a customised plan with a free quote to protect your most important assets – you and your family. All Rights Reserved. People without cards are issued temporary ones upon arrival, so that deals with that. spouse, children, parents). No, they are leading Third Party Administrators in the UAE who works closely with insurance companies and provide administrative, network and claims management support. You’ll first need to acquire a health card from the Ministry of Health, which you can apply for online. Generally speaking medical facilities for expatriates in Dubai are very good with many modern clinics and hospitals. Public hospitals and clinics provide free or low-cost medical services to UAE residents. It is recommended that applicants spend some time going over the various inclusions and exclusions when comparing health insurance in the UAE. Dedicated personal advisors Fast-track claims service – Free! It depends on the scope of your policy. Medical treatments for obesity usually find themselves well outside the scope of cover for health insurance in the UAE. For more details on Medical Insurance, e-mail Orient Individual Medical Team or call 800 674368 (ORIENT). The coinsurance/copay is any amount specified that should be paid by the insured directly to the health care provider on all covered /eligible medical services rendered. As medical care advances and treatments increase, health care costs also increase. A few of the companies offering the Essential Health Benefits (EHB) package include AXA, Arab Orient, Alico and Daman Insurance. While some health insurance companies in the UAE do offer emergency dental cover, routine checks and more comprehensive protection can usually only be availed of by paying an additional premium. “HOWEVER, the customers need to declare the condition during policy issuance renewal to be eligible “ The premium is affected based on the conditions. If you’re hoping to have a child in Dubai, be aware that you won’t necessarily be creating a new citizen of the UAE. If you require certain medication that isn’t allowed in the UAE, you should email their Drug Control Department (drugcl.csc@moh.gov.ae). (formerly compareit4me) Download our mobile app here! In addition to this, such policies may slightly higher in comparison of the health plans for young individuals because senior citizens are more prone to illnesses and health diseases. Group health insurance plans are usually low in premium because of the low risks involved. He currently lives in London with no pets. If you’re interested, first place went to Hong Kong, while the US placed a miserable 54th. They also have to pay for a health card, which costs 320 dirhams (AED) (£71) for over-10s, and 120 AED (£27) for under-10s. As part of Dubai’s legislation, there are also minimum standards that all private medical insurance policies must meet. An apt medical insurance policy covers the policyholder with several benefits like day-care hospitalization and pre as well as post hospitalization. Sources said co-insurance or the money payable by the insured is 20 per cent of the total bill with a cap of Dh500 per inpatient visit. Worldwide travel covered, including vaccinations. After 6 months, the customer is allowed to claim for pre-existing & chronic conditions treatment. If you’re moving to Dubai to work, your employer is legally obliged to provide you with medical cover. Local health insurance plans with options for worldwide benefits. Full reimbursements are only valid for policyholders that have not made any claims. It ranked higher than Canada, Sweden and Norway, who are all known to have very effective healthcare. These types of health insurance plans are typically provided by employers. When it comes to dental or optical care, even the very best medical insurance in Dubai barely scratches the surface. AXA Insurance Dubai. The basic does not allow on reimbursement basis but makes few exceptions on a case to case basis. Expats who'd like to make use of public hospitals need to apply for a health card from the Department of Health and Medical Services (DOHMS). You’ll first need to acquire a health card from the Ministry of Health, which you can apply for online. First and foremost, you must be married in order to give birth in the UAE – otherwise you’ll be in big trouble. Senior citizen medical insurance plan typically come with discounted premium cost. Deductible is the amount the insured has to pay the deductible is a fixed amount or percentage of expenses that must be paid by the insured before an insurer will pay any medical expenses. Yes, health insurance is mandatory for all residents of Dubai, irrespective of whether or not you’re employed. PB Fintech FZ LLC Office No 263, Building 17, Dubai Internet City, United Arab Emirates. There’s a reason Dubai has become one of the, Hopefully you’re feeling much more clued up on healthcare in the UAE, and the ins and outs of health insurance in Dubai. However, this amount can be reimbursed by presenting the health insurance provider with treatment details, original bills and other document proofs as requested. The basic health insurance coverage is specifically designed for expats with lower salaries. If your employer has provided health insurance, check the coverage and then decide if you’d also like to get a government card. These partnered medical establishments let the policyholder avail of their health insurance plan benefits without making any payment out of pocket (as long as they are within the stipulated policy limit). The emirates of Abu Dhabi and Dubai make it mandatory for employers to provide insurance coverage to all employees: nationals and expatriate residents. Health Authority in Abu Dhabi (HAAD) Dubai Health Authority (DHA) Insurance Providers. People without cards are issued temporary ones upon arrival, so that deals with that. not many English-speaking physicians), They are constantly in high demand, which means facilities can be overcrowded, Expats are legally obliged to have some form of private medical cover in Dubai, and private medical facilities are generally of a higher standard than  public medical facilities, Crucially, public hospitals in Dubai provide. According to the Dubai Government’s, , there are 0.5 public physicians per 1,000 people, while there are 2 private physicians per 1,000 people, You’re much more likely to be seen by an English-speaking doctor, which can be useful when you’re trying to explain your symptoms or be reassured. 01 | Do you need private health insurance in Dubai?02 | What kind of healthcare system does the UAE have?03 | Is health insurance mandatory in Dubai?04 | Who is eligible for free healthcare in Dubai?05 | The benefits of private medical cover in Dubai06 | How much does health insurance in Dubai cost?07 | Advice for expats moving to the UAE. In this regard, given below are the best health insurance providers in the UAE: (Updated: February 2020. Emergency health care and ambulance service during emergency. Join AFIA’s community of satisfied customers. required to provide health insurance for any of their employees’ dependents. In 2018, Bloomberg’s ranking of nearly 200 countries’ healthcare systems put the UAE in tenth place. So you should check the possibilities of deductibles if it is within you budget to pay for minor ailments out of your pocket as it could substantially lower your annual premium. If you’re just going there as a couple, for a joint policy you can expect to pay around $9,889 (around £8,113) per year. It is nearly impossible to find medical insurance companies in Dubai or anywhere in the UAE that offer a health insurance policy with cover for cosmetic treatments. Many health insurance companies in the UAE offer a grace period, during which customers may cancel their policy and receive their medical insurance premium back in full. The extent of coverage and type of policy/scheme would determine the cost of your medical services. You need health insurance because you cannot predict what your medical bills will be. The majority of people with medical emergencies in Dubai are taken to Rashid Hospital. That is why, comparing the top medical insurance plans in UAE is essential. Dubai’s public healthcare is about as free as public healthcare gets, given people in Dubai don’t pay any income tax. With four levels of annual cover to choose from and extra modules for more flexibility, Cigna will sort you out with a plan that suits your needs. Dubai health insurance: How Dh500 a year covers you We take a look at a minimum premium under Dubai's mandatory insurance scheme Published: April 09, 2014 17:25 By Sharmila Dhal, Chief Reporter Pacific Prime reported that Dubai is the 7th most expensive country in the world for private medical insurance; the UK is in 6th, while the US is 1st. This is preferable for expats who don’t believe they are being offered adequate cover to suit their needs, and can afford to pay for their own insurance. 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