In today’s fast-paced life, the health issues are getting raised day by day; hence, having a health insurance policy has become a crucial part of the life. But when it comes to flying to the UAE, the rules regarding medical insurance vary from city to city, depending on the individual policies. The rules are quite different from most countries in the world as well.
Following are the factors that need to be considered while buying a medical insurance in the UAE.
- In Abu Dhabi, providing medical insurance to employees and the dependents has been mandatory for every company, and the burden of the fourth child had to be taken by the employee. Dubai law also mandates the employers to provide medical insurance to their employees.
- In the northern part of the UAE, i.e. Ajman, Ras Al-Khaimah, Sharjah, Fujairah, and Umm Al-Quwain, it is not mandatory for the employers to provide medical insurance to the employees by law. The companies may decide to change the policies for insurance.
- Some of the basic Medical Insurance Plans offered by the respective Emirati cities include: Thiqa, Saada, Abu Dhabi Basic Plan, etc.
- Thiqa is specifically for Emiratis (residents), Saada is a health insurance programme for the citizens in the emirate of Dubai, and the Abu Dhabi Basic Plan is for expats.
- Insurance System for Advancing Healthcare in Dubai enlists 50 insurance companies on their website that offer Medical Insurance Policies across the UAE. There are several insurance comparison tools available online using which you can choose the insurance best suited for you.
- The websites such as Bayzat and Souqalmal allow comparing between several Health Insurance Plans. Considering all your needs and the provision of health cover offered by the employer, choose the right plan or an additional cover.
- The maximum medical cover offered per annum ranges around AED 150,000 – AED 250,000. If needed, employees are allowed to get more cover by paying the extra premium amount.
- Sixty-five is the cut-off level of age for availing the insurance cover considering the ailments and health complaints due to the old age. The premiums for the people above the age of 50 years may touch up to AED 30,000.
- The medical policy does not cover dental issues, eye care or any vaccinations. You can opt for the additional benefits at considerably cheaper rates. A few insurance companies have made it obligatory to insure the whole family under a single plan.
- The maternity cover has been made mandatory for all the women. Delivery of the baby is covered to some extent, considering whether it is a normal delivery or a caesarean.
- If the woman is already pregnant before having insurance, the premiums charged are significantly higher. The new-born is covered for first 30 days from the birth if the mother is insured already.