Dubai is a great city to live and work. But if you are planning a move to this wondrous place, you should be aware of a few things. Learning about the city’s health insurance is crucial to make your stay in the city as smooth as possible. Here is all you need to know about Dubai health insurance.
Dubai health insurance is mandatory
Every resident in the city of Dubai has to have a health insurance. It’s never a good idea to skip having proper health insurance. But in Dubai’s case, you definitely can’t do that since it’s illegal.
UAE nationals covered by the Government
UAE nationals can enjoy from Government coverage. They also have free access to healthcare. If you are just a resident, then you will need to get your health insurance sorted through other means.
Employers provide healthcare insurance for residents
It’s mandatory for employers to provide healthcare for employees. If you move to Dubai to work, then you’ll most likely have your health insurance sorted through the employer. Of course, it’s important to not make assumptions but to discuss the matter with the employer. Your profession and workplace can influence whether healthcare is provided for you and the kind of coverage you receive.
Only use registered health insurance providers
You should be aware that if you want to buy health insurance in Dubai, you should use one of the official health insurance providers. There are currently around 40+ registered Dubai health insurance companies. You should make sure to use one of those to ensure your insurance policy falls within the Government regulations.
Compare health insurance companies for best deals
Having a lot of options is a good thing for the consumer. You can find different types of plans with various policy options. Picking the one that works for you is important – it can guarantee you save money and get the coverage you need. It is essential to compare your Dubai health insurance options before buying. This way you can get an idea on what’s on offer. Comparison is easy with the help of comparison websites and apps so make use of those.
The cost of health insurance in Dubai varies
Many things factor in when the cost of health insurance is calculated. Your profession and salary can influence the kind of cover your employer has to provide. Furthermore, health insurance cost always depends on the policy you want as well. The more coverage you want, the higher the cost tends to be.
While Dubai health insurance can seem relatively expensive, there is a lot of variation within the policies. It is possible to find affordable health insurance as long as you know what you need. Comparing different options also helps bring down the cost.
Different types of covers
In general, you can find different types of options. The health insurance options in the city can be divided into:
- Individual plans covering a single person.
- Family plans covering a whole family and providing discounts.
- Group plans covering up to 20+ members.
- Traveller plans covering individuals and groups who travel to UAE regularly and require more flexibility from their health insurance.
You should consider your individual situation carefully before deciding on the insurance you want to have.
Essential Benefits Plan (EBP) is the most basic option
The above outlines the various comprehensive covers available. The most basic health insurance option is Dubai is called the Essential Benefits Plan and it is essentially for low-income workers. Is has a fixed cost falling below AED 700 per year. If you want something very basic than it might be an option. However, it’s a very basic type of insurance and you would be better off in most cases if you chose to opt for a comprehensive cover.
Insurance can influence your healthcare options
When you get Dubai health insurance, you should be aware of what treatment you can receive and at what cost. It’s important to understand what is included in your plan to make sure you don’t end up in a tricky situation. Furthermore, your health insurance can have an impact regarding the facilities that you can use. Certain clinics and hospitals might only cover specific insurances so you have to be aware of your cover. Go over your local clinics before you pick your health insurance provider to ensure you don’t have to travel far for treatment.
Dubai is a great city for healthcare
Dubai is very popular among healthcare tourists and people travel from afar to get treated in the city. You can expect a great quality of care when you move to the city. Just be careful in choosing your Dubai health insurance and make sure you get just the kind of care you need.