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How to get health insurance in the UAE?

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Dubai: Moving to a new country comes with its own stress and adjustment period. If you are moving to Dubai or Abu Dhabi, the Emirates have made health insurance compulsory for all residents. This means that you will not be able to obtain a residence visa without an insurance policy. Although other emirates do not have a compulsory health insurance policy, it is advisable to obtain quality health insurance since the costs of medical care can increase very quickly during any health crisis.

Here is a detailed breakdown of everything you need to know to get health insurance in the Emirates:

Is health insurance compulsory?

Depending on the emirate you are in, health insurance is mandatory or optional. However, even in the United Arab Emirates, where health insurance is optional, it is advisable to obtain coverage because health care costs can become a huge financial burden in chronic or emergency situations.

Abu dhabi

Employers and sponsors are generally responsible for providing health insurance coverage for their employees and families (one husband and 3 children under the age of 18).

According to the Ministry of Health, Abu Dhabi, for people receiving monthly wages of less than DH 50.00 or less than DH 4,000, in addition to the housing allowance, the basic product policy must be provided.

The enhanced policy is for all other individuals often.

If you have more than three children who want coverage or want better coverage than the employer provides, you can follow the steps below on how to get health insurance.

Dubai

Health insurance is mandatory in Dubai, following the Dubai Health Insurance Act that went into effect in January 2014. Under the law, the legal responsibility of each sponsor is to provide an insurance package from the Basic Benefits Plan ( EBP), set between 550 and 650 dirhams, so that workers who receive lower wages than good medical care.

The law helped make medical care available to manual workers in the emirate.

Under the law, the sponsor must provide health insurance. If you are a professional, this means that your company provides insurance coverage. In the event that your company only covers you and not your family, the law will require you to provide health insurance for the dependents of your sponsorship (husband, parents or children).

Other Emirates

Sharjah, Ajman, Ras Al Khaimah, Umm Al Quwain and Fujairah do not have compulsory health insurance. However, most employers offer a certain level of health coverage. Talk to your employer, as many companies obtain group plans for employees. If your company doesn't offer health insurance, follow the steps below to get one.

Where should you go?

Just go online! To obtain health insurance, you can contact any of the insurance companies or insurance brokers in the United Arab Emirates through their website. The UAE Insurance Authority's annual report for 2017 stated that there are 62 insurance companies and 160 brokers, so there is no shortage of options in the country. If you approach a broker, they will offer you options from various companies. According to Avinash Babur, CEO of InsuranceMarket.com, which runs InsuranceMarket.com, the insurance market has become increasingly digital.
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