Since January 2014, it became mandatory for residents in Dubai to subscribe to a medical insurance. Now it is mandatory for all expats in Dubai to hold basic compliant health insurance in order to be issued with a visa. In addition, all insurance products need to be regulated by the Dubai Health Authority.
Who pays for your insurance?
For UAE Nationals, the Government of Dubai will provide a health insurance program. However, a National working in the private sector can choose to be part of their employer’s group health insurance plan as well. Expats will fall into two categories; those who work must be covered by their employer. However, a company is not required to provide health insurance for the employee’s spouse or children, this responsibility will fall on the employee. Similarly, health insurance for maids and domestic workers must be arranged by their sponsor.
What is the procedure?
The Dubai Health Authority link with the General Directorate of Residency and Foreigners’ Affairs. The issuance or renewal of residency visas will only be processed upon submitting proof of health insurance. It is thus necessary for residents and companies in the private sector to keep the data with their insurers up to date. The insurance companies will in turn upload it to the DHA’s portal. The reporting requirement also requires the insurer to upload the specific coverage each resident holds.
Insurers and brokers will need to gather certain information and data from their clients to be uploaded to the DHA’s Health Funding Department (HFD) Members’ Register. The Register will be evidence that a compliant health insurance plan is in existence, in which case that visa application or renewal can proceed.
Employers, insurers and brokers will need to ensure this data is provided in full for every insured employee and every dependent:
- First name
- Second name
- Family names
- Contact number
- Birth date
- Passport number
- Marital status
- Email address
- Residential location
- Work location
- Salary band
- Emirates id number
- Uid number
- Member Id
- Relation to
What is the minimum insurance cover?
The Dubai Health Authority has established the Essential Benefits Plan (EBP), which details the minimum coverage that must be provided to residents. All health insurance companies in Dubai must provide health insurance plans that meet or exceed the level of benefits under the EBP.
The minimum cover (essential benefits plan) must include: emergency care, access to general physician (GP), referral to specialists, tests and investigations, surgical procedures, physiotherapy, prescribed medicine and maternity care (prenatal care, delivery, and postnatal care). Dental and optical covers are excluded except in case of medical emergencies.
What will the basic plan cost?
Currently, the Essential Benefits Plan will cost between AED 500 to AED 700. The DHA will set a price range each year, so the premium may change in the future.
Here is a look at the government-mandated policies offered in Abu Dhabi and Dubai for low-salaried employees:
|Basic Plan||Essential Benefits Plan|
|Regulator||Health Authority in Abu Dhabi (HAAD)||Dubai Health Authority (DHA)|
|Insurance Providers||Daman||Axa, MetLIfe, Daman, Oman Insurance, Orient Insurance, RAK Insurance, Takaful Emarat|
|Salary Eligibility||Up to AED 5,000 monthly salary(or up to AED 4,000 plus accommodation)||AED 4,000|
|Premium||AED 600||AED 700|
|Annual Limit||AED 250,000||AED 150,000|
|Areas of Cover||Restricted to Abu Dhabi with emergency medical treatment available in all emirates||Restricted to Dubai with emergency medical treatment available in all emirates|
|Pre-existing Conditions||Covered with a 6 month waiting period||Covered with a 6 month waiting period|
|Hospital Room Type||General room (2 or more beds)||General room (2 or more beds)|
|Deductible||AED 20 per consultation||20% co-insurance up to AED 500 (annual cap for the entire year is AED 1,000)|
|Prescriptions||30% co-insurance up to a limit of AED 1,500||30% co-insurance up to a limit of AED 1,500|
|Child Delivery||Deductible of AED 500 per delivery||10% co-insurance with limit of AED 7,000 for normal delivery and AED 10,000 for medically necessary C-section|
|Maternity Checkups||AED 20 per consultation||10% co-insurance with a limit of 8 visits to obstetrician|