What is Health Insurance?
Health insurance is a kind of contract between you and your insurance provider where you a pay a certain amount of money to your insurance provider as premiums. In return, your insurance provider takes care of your medical expenses incurred in hospitalization. Based on the type of health coverage, the insured person either pay and get reimbursed by the insurance company, or the insurance company pays directly to the hospital.
Importance of Health Insurance
Health insurance enables you to protect you and your family against medical expenses/hospitalization caused due to illness or accident. A health insurance policy covers you and your family’s consultation fees, diagnostic tests, nursing care, surgeries, hospital accommodation etc. It also pays for your regular medical check-ups.
Key Features and Benefits of Health Insurance
Health insurance comes with a number of attractive features and benefits which include:
- Health insurance pays for your hospitalization caused due to illness and accidents.
- Provides hospital cash.
- Get cover for hospitalizations caused due to maternity for stipulated period of time.
- You can purchase both single and family floater plan. A family floater plan covers your whole family.
- Health insurance policies enable you to include you children under it and provide cover for sickness and accident related medical cost.
- You can renew your health insurance policies. You need to renew your policy your policy within a particular period stated by the insurance provider.
- Offers group health insurances plans.
- You can also enjoy certain portability benefits that enable to you to switch from one policy to another.
- Premiums rates are affordable and vary based on factors like your age, sum assured, policy tenure etc.
- Certain pre-existing diseases are not covered.
- Offers cover for critical illness.
- Get worldwide coverage.
- Easy documentation and fast processing.
- Offers free look period of 30 days.
- Get immediate sum assured payouts.
- Health insurance policies can be availed by both UAE nationals and non-UAE individuals.
- Covers in patient hospitalization expenses.
- Some policies cover the cost of drugs and medicines.
- Provides cover for emergency ambulance services.
- Also, get cover for expenses related to organ transplant.
- Provides cover for ambulance cost.
- Get cover for dental injuries caused by accident.
Although health insurance policies cover a major portion of medical cost incurred in hospitalization and treatment, it does not cover certain things. The exclusions include – medical conditions caused by illegal behaviour, certain pre-existing diseases, self-inflicted injuries, cost incurred in dental and optical treatments, medical condition caused by hazardous activities, injury caused by professional sports etc. Also, medical situation caused by terrorism, conflict, war, natural disasters are not covered under health insurance in UAE.
How to make a claim?
You can claim your health insurance by contacting your insurance provider. You can contact them via phone or email. As per your request, the company representative will get in touch with you and initiate the claim process. Also, you can make your health insurance claim online. To make a claim online, you need to validate yourself by providing your policy no, membership no, phone number, and date of birth and any other information required by the online page. Upon successful validation and submission of complete application form supported by necessary documents, your claim will be settled within a maximum of 15 working days.
Buy Health Insurance Online
You can buy health insurance policies online by visiting the website of your health insurance provider. These days, almost all insurance companies provide the provision of buying health insurance online. You can also renew them online.
How to choose the best Health Insurance
In order to choose the best health insurance in UAE, you need to study the insurance market and find out the various insurance providers that provide health insurance at competitive rates. Get quotes from these insurance providers and compare their premium rates and services. Then based on your requirements, you can choose a health insurance cover for you and your family.
Top Health Insurance providers in UAE:
Some of the top health insurance providers in UAE include:
CBD offers CritiCare health insurance policy. The policy offers lump sum coverage for 37 critical illness and provides worldwide coverage.
Emirates NBD offers health insurance plans like International Term Assurance and Futura Protection Plan. These plans also serve as savings plans. Both the plans are issued and underwritten by Zurich International Life.
FGB (First Gulf Bank) offers three major health insurance plans which include - Diabetes Care, Critical Illness and Well Woman Plan.
Mashreq Bank offers health insurance plans in association with Met Life. The plans are issued by Metlife. Mashreq Bank offers CritiCare Insurance to protect you and your family from increased medical cost. It is a protection plus savings plan.
Citibank UAE offers health insurance plans like Critical illness Plan, Income Protection Plan, Hospital Care etc., to help you secure you and your family against medical expenses.
Frequently Asked Questions - FAQs
Why do I need Health Insurance?
Does health insurance provide cover against organ transplant related expenses?
Can I purchase my health insurance policy online?
Will my health insurance policy cover my pre-existing diseases?
Can I get health insurance cover for my dental injury?
Does Mashreq Bank offer its health insurance plans directly?
How many critical illnesses are covered by CBD CritiCare?
Can I get worldwide coverage with my health insurance policy?
Do I need to go through medical screening before purchasing any health insurance plan?
How will a health insurance help me?
What medical expenses are covered by a health insurance?
Will I be covered for the existing illnesses?
Are there any conditions that may not be covered in a health insurance?
Do all hospitals accept health insurance policy-holders?
Is my health insurance valid in countries other than where I reside?
You need health insurance to protect you and your family against high and unexpected medical cost.
Yes, many health insurance policies provide cover against organ transplant related expenses.
Yes, you can purchase your health insurance policy online.
No, your health insurance policy will not cover your pre-existing diseases.
Normally, health insurance does provide cover for dental injury unless it is caused by accident.
No, Mashreq Bank’s health insurance plans are underwritten and issued by MetLife.
CBD CritiCare covers 37 critical illnesses under it.
Yes, you can get worldwide coverage with health insurance plans like CBD CritiCare.
Yes, some health insurance providers demand medical screening on your part before issuing you a policy. However, it is subject to your age and vary from one insurance provider to another.
A health insurance will offer cover against many kinds of illnesses and medical expenses. You can also select from several clinics and hospitals, specialists and doctors, and the time of treatment. You will also get private treatment at the hospitals that are partners with your insurance provider.
A health insurance covers hospitalisation charges for the medical conditions that you have chosen in your policy. This includes sudden or new illnesses too. Depending on the policy, you would be covered for complete or partial payment of hospital expenses.
Existing illnesses are not usually covered under a health insurance. Before applying for the policy you need to declare your existing illnesses. You may also have to get certified on your existing health problems by a medical practitioner. However, some group policies offer coverage for existing illnesses. Check with your insurance provider for further clarifications.
Treatment from some specialists that are not part of the pure medicine discipline, may not be covered by certain insurance providers. You may have to get referral to these specialists from a certified medical practitioner who falls under the insurance cover. It is advisable to check with your insurer before claiming treatment charges on psychological, chiropractic or dental problems. Physiotherapy and maternity expenses are also sometimes not covered.
No. You need to check with your insurance company on which hospitals or specialist clinics are partnered with it. You will be able to get the benefits of the policy only if you are hospitalised with the partner institutions of your insurer.
This depends on the policy area you have chosen. If you have selected a GCC coverage plan, then your health insurance will be valid in all member countries of the GCC. You may also be able to choose worldwide coverage including United States of America, Canada and the Caribbean, or worldwide coverage excluding the North American countries, or coverage for European nations under Schengen Visa.
News about Health Insurance in the UAE
Last deadline for health insurance will be announced at the earliest
DHA announced that the final deadline for the health insurance will be announced soon. There will be no additional grace period offered. The initial deadline was 30th June, 2016, but then it was extended till 31st December, 2016. The deadline was extended as the insurance companies couldn’t handle the surge in demand. Those who have not obtained the health insurance will be fined AED500 per month. There are a few small companies, parents, spouses and domestic workers who are yet to get their health insurance. In order to get a visa renewal, you will need to have a health insurance.
17th January 2017
Dubai to become the fastest life saver
Dubai Health Authority aims to launch the Dubai Heart Safest City Project by 2020. This could save 65% of those suffering cardiac arrest. The health care officials are working towards a devoted fast response structure to help achieve the goal of being the fastest life saver. Death due to sudden cardiac arrest occurs when there is no immediate treatment provided when the heart stops beating and the blood flow stops to the vital organs and the brain. There are about 30,000 people who are trained to administer CPR. People can download an app and when they see a person collapsing, they can click and activate the app. The closest person with CPR training will be notified. Ambulance, Dubai police, and the ER will also be notified. The paramedics will rush to the spot and the patient will receive immediate treatment.
13th January 2017
Deadline for Getting Health Insurance Extended
The DHA or Dubai Health Authority decided to extend the deadline to get a mandatory health insurance policy by Dubai residents. The move comes in view of the huge rush experienced in the past few days to purchase insurance plans by the end of the year.
This is the second instance of the deadline getting extended. The deadline for getting an insurance applicable for spouses, dependents and domestic helpers under the Dubai Health Insurance Law No. 11 of 2013 was initially on 30th June, 2016. This was later extended to 31st December, 2016.
98% of all Dubai residents have already been covered under this insurance system. Any resident who doesn’t get the mandatory health insurance will be fined AED 500 every month. Also, new visas won’t be granted and existing visas will not get renewed in absence of a health insurance.
Dr Al Yousuf, DHA Health Funding director, clarified in an interview that people who as of yet have not bought a health insurance policy for their dependents and employees are already violating the law. The deadline is being stretched only on penalties.
29th December 2016
98% of Dubai Residents Covered Under Health Insurance Schemes
The DHA or Dubai Health Authority was pleased to announce that more than 4 million people, which is about 98% of Dubai’s population, now own health insurance coverage.
While announcing this achievement, the Director-General and Board Chairman of DHA Humaid Al Qatami said that with this feat Dubai has become one of the leaders in the field of healthcare. He added that crossing the 4 million milestone shows how well-aware the Dubai citizens are of the Dubai Health Insurance Law No. 11 of 2013, and its importance in providing health and safety for all.
The Dubai Health Insurance Law which was enforced in January 2014, makes it mandatory for all employers or sponsors to provide a fixed insurance package ranging between AED 550 and AED 700. This law ensures that even those earning less than AED 4000 as salaries are provided with adequate health insurance coverage. The deadline by which all Dubai residents should get health insurance is the 31st of December, 2016.
The DHA Health Funding Director, Dr Haidar Al Yousuf praised all insurance firms working round the clock to meet the demand of health insurance by individuals and companies. Online purchase of health insurance was also another contributing factor in the success of this initiative.
26th December 2016
Health Insurance Coverage Increased for the Military
A new insurance scheme in collaboration with Neuron LLC has resulted in a widened health insurance cover for the Dubai police military staff and their families.
A memorandum was signed on the 21st of December between the Assistant Commander in Charge of Administration, Major General Mohammed Saad Al Sharif and the Neuron LLC Chairman Mohammed Mubarak Al Mutaiwe.
According to General Al Sharif, the agreement was signed keeping in mind Dubai’s Health Insurance Law No 13 of 2013 which makes health insurance mandatory for all private employees. Also, all dependants of the insurance sponsors like children, spouses and even domestic workers should have basic coverage.
Dr Ali Singel, the Director of Dubai Police Health Centre, explained that this new scheme would especially benefit the police personnel from other emirates who were not getting insurance protection with their earlier insurance scheme.
22nd December 2016
GCC healthcare industry to sustain growth in 2017
GCC healthcare sector anticipates that it will continue developing in 2017 due to the driving factors including demographic and macroeconomic aspects.
A population comprising many elderly people and the presence of lifestyle diseases are enabling the GCC healthcare sector to build a strong system. Governments are spending extensively to provide superior quality healthcare services. However, private healthcare organisations are expanding rapidly as people are relying more on these companies.
Though the general economy is experiencing a downtrend, healthcare companies have not been reducing their expenditures as governments are highly focussed towards nourishing the condition of the complete health sector. Many regional healthcare firms are working to increase their profits by widening their operations as well as by making their processes more productive and proficient.
15th December 2016
New health insurance payment system adopted by DHA
To improve transparency and quality of healthcare services, DHA announced that it will adopt a new health insurance payment system. The executive council has approved the implementation of the International Refined Diagnosis-Related Group. This is in line with the launch of the third and last phase of health insurance system. Payments on the new system will be simplified and will encourage administrative efficiency. The system will also adopt a statistical system of classifying inpatient stay into groups for easing the payments. The new system will be implemented within 3 years starting from 2017. The pilot phase will begin for hospital accommodation only.
14th December 2016
Tourists visiting Dubai may soon be protected by emergency medical insurance
According to the Dubai Health Authority, individuals travelling to Dubai for a vacation will soon be safeguarded by emergency medical insurance plans. This programme is a part of the mandatory health insurance plan.
The Dubai Health Authority made health insurance compulsory sometime in 2014, and this plan is being incorporated in different phases until 2016. The Dubai Health Authority is asking sponsors to complete the process of giving health insurance to their employees by the end of 2016.
Dr. Haider Al Yousuf, the director of Health Funding at the DHA, said that when they provide medical insurance to tourists travelling in Dubai, they will be able to achieve their goal of insuring the complete population of Dubai.
13th December 2016
Pay AED500 penalty in Dubai from January
Dubai Health Authority has made it mandatory for every visa holder to have a health insurance. Though 88% of the people are already covered, the remaining 12% are yet to be covered by the end of December, 2016. Those who don’t buy the health insurance cover, will have to pay a fine of AED500 per month from January, 2017. Dubai’s DHA will not be offering any more extension or getting the insurance cover. The companies that fail to provide medical insurance will face fines up to AED500,000 after the deadline. DHA has approved 46 health insurance companies to provide the health insurance scheme.
29th November 2016
No further extension will be provided on mandatory health insurance
No further extension will be provided to the employers who have not purchased the health insurance to their employees. Those who haven’t purchased the insurance will have to start paying penalties from the end of the year. Director of DHA said that 88% of the targeted population in Dubai have health insurance and the remaining 12% need to be insured within a month. The fine is set at Dh500 per person and the basic insurance package starts at Dh550 per person. So, paying the fine is more expensive than the cost of the insurance.
21st November 2016