The UAE offers some of the world’s best healthcare infrastructure, which is a big lure for expats. Health insurance is essential for expats living in Abu Dhabi and Dubai and plays a significant role in providing high-quality healthcare in the UAE. As a result, you will encounter this very frequently.

The UAE’s healthcare system is a combination of private and public, however expats will use the private system. It is mandatory to be insured in Abu Dhabi and Dubai if you are an employee or a dependent. However, for other states like Sharjah and Ajman, Insurance is vital for employees but is not mandatory.

 

Health Insurance in Abu Dhabi

The Thiqa program provides coverage to UAE citizens. Citizens receive a Thiqa card, which grants them complete access to the Daman network’s wide number of private and public healthcare providers. The health check is performed to identify cardiovascular risk factors and is only waived in exceptional circumstances.

You must be a UAE national (residing in Abu Dhabi) and between the ages of 18 and 75 to apply.

Employers and sponsors are responsible for providing health insurance to expats and their dependents. One spouse and three children under the age of 18 are covered.

Getting a Health Cover in Dubai

Dubai Health Authority has laid down Dubai Health Insurance Corporation. Which incorporates Saada, Isahd, Enaya iPROMes insurance facilities. It provides insurance coverage to citizens who are not eligible for any of Dubai’s government-sponsored health-care programs. Citizens of the United Arab Emirates can join the government-run plan.

Expat employers are required to provide health insurance to their workers. Sponsors must also supply their dependents with private health insurance.

Obtaining a Medical Insurance in Sharjah

Government employees and their dependents are offered health insurance. However, for private employees, it is vital to get insurance cover from a private service provider

Ajman Health Insurance

All government employees in Ajman have health insurance provided for them. Expats working in private companies can get private insurance for them and their dependents.

How to get Private Health Insurance in UAE?

In Dubai and Abu Dhabi, it is your employer or sponsor’s responsibility to make sure you have private health insurance.

In some emirates, however, your company may not provide insurance, as you may require it even though it’s not mandatory.

Furthermore, dependent coverage begins at roughly AED 450. This is determined by their age as well as the treatments and options you want covered.

When it comes to filing a claim, each insurance provider is different, so it’s always better to check with them first. When a medical visit is due, the hospital will first contact the insurance provider to determine if the therapy is covered under your policy.

Then, after it is approved, you may be able to get the health coverage. Your insurance may pay the provider directly in some situations or with some health insurance policies.

The UAE Insurance Authority maintains a list of all registered insurers in the country, allowing you to verify the validity of your policy.

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