Health Insurance

Health insurance in the UAE is a mixture of the private and public sectors, but ex-pats use the private system. This is now a legal requirement.
UAE has an excellent healthcare infrastructure. In the past decade, the number of healthcare facilities and professionals has increased. In some cases, the number of working medical professionals has quadrupled. The United Arab Emirates is now considered a highly desirable medical destination for people who are looking for quality treatment outside their country.

An overview of health insurance in the UAE in Alqaed Insurance Services

Insurance requirements can depend on the emirate in which you reside. Often, health insurance in the UAE is a legal requirement and you must have health insurance, but this is not the case in some cities, and the matter varies as follows:

Abu Dhabi

UAE nationals are covered under the Thiqa Program. Citizens receive a trust card, which gives them full access to a large number of private and public healthcare providers. To apply, you must be a UAE national (living in Abu Dhabi) and aged between 18 and 75 years. In addition, applicants must undergo a prevention examination through the Department of Health - Abu Dhabi.
As for expatriates, employers and sponsors are responsible for providing health insurance to employees and their families, and this includes coverage for one spouse and three children under the age of 18.
When it comes to dependents, the employer is only obligated to pay 50% of the coverage, and the rest is paid by either the sponsor or the employee.

Dubai

Dubai Health Insurance Law No. 11 (2013) requires all residents to have a level of health insurance coverage that meets or exceeds the minimum benefits set by the Dubai Health Authority (DHA). The responsibility for health insurance lies with the employer (not the employee). The law also states that employers may not deduct an employee's salary to provide health insurance in the UAE.
UAE nationals living in Dubai can access Saada. Provides insurance coverage for citizens who do not benefit from any government health program in Dubai. Saada users can receive treatment at many DHA healthcare centers and private service providers. UAE nationals have the option to opt out of their healthcare scheme to join the government scheme.

Ajman

All government employees in Ajman have health insurance for them.

Sharjah

Health care coverage is provided to government employees and their families.

What happens if I am not covered by health insurance in the UAE?

Health insurance is a legal requirement for both Abu Dhabi and Dubai, and monthly fines are imposed if there is no proof of health insurance.
In Abu Dhabi, you can expect to pay 300 dirhams per month per person without health insurance. In Dubai AED 500 per month, and the government will not renew visas or grant residency without proof of proper health insurance.

Advantages of obtaining private health insurance coverage in the UAE

You will have access to the best medical centers in the country, staffed by doctors and other professionals who speak English as a first language. With private health insurance Dubai, you can also choose specific and customized add-ons for your coverage.
An insurance company works differently when it comes to making a claim, so it's always a good idea to check with them first. In general, when a medical problem arises, you need to contact the company first to see if the treatment is covered by you. Then when you have a bill or receipt for the Medicare provision you will need to pass this on to your company and you will receive reimbursement for the payment. The following are the main advantages that we are proud of in Alqaed Insurance Services:

• 24/7 support from a dedicated team of customer service experts who speak multiple languages.
• Easy access to treatments and direct billing from over 2000 providers in the UAE.
• Possibility to pay quickly online.
• Comprehensive coverage includes hospital and outpatient coverage, and pre-existing and chronic diseases.
• Cancer insurance and specialized patient support plans.

Trust us to provide you with the best health insurance in UAE! Our high-quality insurance plans are designed to meet the needs of living healthy and safe. We have also designed a variety of options to meet your needs, no matter what they are, you can contact us for a free consultation.