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Did you know that the healthcare system in Dubai is among the best in the world? A study found that this city has at least 181 doctors for every 100,000 residents. As a result, Dubai is now one of the most well-known travel destinations worldwide and medical tourism has increased.
The healthcare system in the United Arab Emirates (UAE) is highly developed and meets high standards. This includes readily available, contemporary medical facilities and health insurance policies. Both residents and tourists can purchase health insurance in Dubai.
Here are some things you should know about health insurance plans when evaluating the cost of living in Dubai if you are moving there for work or to launch a business.
In the United Arab Emirates, health insurance policies and services differ from city to city. However, you can be certain that you will receive top-notch medical care no matter which city you are in. For instance, the Thiga program in Abu Dhabi provides its citizens with complete access to a range of public and private healthcare providers.
In both the public and private sectors, the United Arab Emirates’ comprehensive government-funded health system provides high-quality care. UAE citizens can receive these services for free or at a reduced cost.
Expats and other non-residents must pay to receive the high caliber of care, though. Your employer is in charge of making sure you have access to high-quality healthcare if you work in the United Arab Emirates.
Furthermore, no employer in the United Arab Emirates, including those who employ foreign nationals, is permitted to withhold their employees’ salaries in order to provide them with adequate health insurance. Sponsors are also required to offer their dependents health insurance.
According to Dubai’s health insurance law, every resident must have insurance that is current and either exceeds or satisfies the minimum requirements set forth by the Dubai Health Authority (DHA).
Saada, which offers health insurance coverage to all citizens who do not receive assistance from government health programs in Dubai, is available to UAE nationals living in Dubai. Saada users can receive care at DHA medical facilities as well as from a number of private healthcare providers.
Additionally, citizens have the option to enroll in the government program and forego other private healthcare plans.
Even though every emirate has a simple healthcare system, there are a few things you should know. Employees’ and their dependents’ Dubai health insurance coverage is based on their position and pay. This implies that the cost of your medical services will depend on the kind of policy you select or the scope of coverage.
In Abu Dhabi, employers and sponsors are required to offer health insurance to their staff members and their dependents. This covers up to three children under the age of eighteen and one spouse.
However, employers in Dubai only offer their workers health insurance. For their resident dependents, sponsors must provide insurance coverage.
These are a few of Dubai’s options for health insurance.
Your sponsor or employer must make sure you have current health insurance if you don’t live in Dubai. But not every job offers health insurance. The options you choose, such as special treatment and the age of your dependents, may also affect the coverage for them.
Keep in mind that each private health insurance company operates in a unique way. Therefore, it is essential to understand how an insurer operates, how to make a claim, what treatments are covered, how to pay, and more before selecting one.
For a list of all authorized and registered insurance companies, visit the UAE Insurance Authority. Make sure the insurance provider you choose offers health coverage. It’s crucial to remember that the government will demand proof of current health insurance if you want to live in Dubai or any other UAE city.
Avoiding a monthly fine is one of the biggest advantages of private health insurance in Dubai. In the UAE, it is illegal to live without health insurance. Your monthly insurance healthcare contributions may be in excess of this fine.
You can also access some of the best medical facilities in the country if you have private health insurance. These facilities are manned by professionals who speak English as their first language and are fully furnished with contemporary medical equipment.
Additionally, you can customize your coverage with the insurance by adding extras or special needs.
The coverage of public health in the United Arab Emirates varies by emirate. It primarily covers maternity services, critical vaccinations, and preventive services like newborn and child immunizations.
Primary health care services like these are also covered by the insurance:
Exams in general
Examining
General practitioners’ and specialists’ treatment services
Services for physiotherapy
Consultants
Diagnostic services for radiology
Services for laboratories
Prescription medications
Additional medications
The Essential Benefits Plan (EBP) in Dubai offers health insurance to those with extremely low incomes. Residents who earn less than AED 4,000 are the primary target of this plan. Their dependents are also covered.
The EBP plan covers maternity, medication, tests, surgeries, emergencies, and both inpatient and outpatient treatments, with a fixed cost of AED 550 to AED 650 per year. It does have certain restrictions, though, such as a 150,000 AED annual claim cap and a six-month exclusion for pre-existing conditions.
You can obtain coverage through the Essential Benefits Plan or a private healthcare plan if your employer is unable to provide healthcare for you and your dependents. Examine each plan’s requirements, benefits, and drawbacks before selecting the best coverage option.
Any foreign national employed lawfully in Dubai is eligible for health insurance via their employers. You need a health card in order to receive medical care in government hospitals and clinics or public facilities.
In Dubai, having health insurance is crucial. Without proof of current health insurance, you are not eligible for a UAE residency visa.
Expats must pay for both public and private insurance, in contrast to UAE citizens who are entitled to free or inexpensive insurance. Therefore, find out what your health insurance covers and get coverage for your dependents by speaking with your employer.