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Essential Benefits Plan is the minimum level of cover that the residents of Dubai are required to obtain under the law. This cover is valid for residents earning not more than AED 4,000 per month. EBP covers a broad range of emergency treatments, surgeries, consultations, drugs, in-patient and out-patient services as well as maternity. It should be noted that since this is the most basic coverage option, there are limitations, exclusions and co-insurance stipulations in this policy.
SANAD Health Insurance plan is designed for non-working dependents of individuals carrying a Dubai resident visa. It is an easy to obtain scheme that does not require a check for qualifying factors, declaration or medical history. You only need proof of dependency documents for approval of the SANAD program which will then be activated through the Emirates ID of the individual insured.
We answer some of the most commonly asked questions about Health Insurance.
The government of Dubai introduced a strictly enforced employer sponsored Health Insurance system in January, 2014. Under this law, employers are under contractual obligation to provide cover for their employees which may extend to their dependents. If the dependents are not covered, it is the responsibility of an individual to obtain cover for their spouse, family or domestic help under their sponsorship. The aim of this program is to bring world class health care system to Dubai that protects the rights of all individuals.
Our Health Insurance Plans cover both in-patient and out-patient medical encounters, treatments, surgical procedures, tests, maternity services, medications and drugs up to an annual aggregate limit of AED 150,000.
You can avail the benefits of our Health Insurance plans in a range of network hospitals, clinics and medical centres across the UAE. For a complete list of health centres included, please check your policy details.
Co-insurance is the amount payable by the person insured for every prescription, consultation, treatment, medication, test and service availed. Deductible, on the other hand, is the amount that the insured has to pay before the Health Insurance plan begins to pay for your care. Once you pay the deductible, the insurance company begins to pay for the facilities you avail. Thereafter, you are only responsible for the percentage of co-insurance included in your plan. In relation to the Health Insurance plans we offer, for in-patient services there is a 20 percent co-insurance payable by the insured up to a maximum of AED 500 per encounter with an annual aggregate limit of AED 1,000. For out-patient services, there is a 20 percent co-insurance payable for OP consultations, laboratory and radiology with a free follow up with the same doctor for the same ailment for up to 7 days and a 30 percent co-insurance payable for medications with an annual aggregate limit of AED 1,500.
Pre-existing and chronic conditions are excluded from the Health Insurance plan for the first 6 months of the tenure but are included after.
If opted, we offer in-patient as well as out-patient maternity services with our Health Insurance plans. For out-patient, antenatal services and 8 consultations with OBGYN are included. For in-patient, normal birth delivery of up to AED 7,000 and a maximum of AED 10,000 for medically necessary C-section, complications or medically necessary termination of pregnancy is included.
All expenses related to dental treatment, prostheses and orthodontic treatments are excluded from these plans.
Many insurance companies allow you to choose from a range of additional features or add-ons, which eventually determine the final premium for your policy. We've gathered an extensive list of these policy add-ons.
This optional extra provides cover for preventive, routine as well as restorative dental treatments with up to 2 routine dental screenings during the policy tenure.
Wellness and Non-Symptomatic Screening Benefit
This optional category covers routine physical examinations and non-symptomatic medical screenings in addition to alternative wellness treatments including Ayurveda, Homeopathy, Acupuncture and Chinese medicine.
This add-on offers cover for repatriation of mortal remains back home as well as travel expense benefit for the escorting person.
Return Home Cash Benefit
This cover reimburses the cost of traveling back to your home country to receive treatment at a facility covered by the insurance provider and under the limits of the plan.
With this add-on, your policy can be extended to include one routine optical examination during the tenure by a registered ophthalmologist or optometrist as well as compensation for spectacle lenses and frames, contact lenses and prescription sunglasses.
Medical Evacuation Benefit
This elective cover provides for medically necessary evacuation and medically equipped transport to the nearest adequate medical facility in case of an emergency when treatment is not available locally.
Compassionate Visit Cover
The compassionate visit add-on covers the cost of an immediate family member to visit you in case of an accident or sudden illness and is subject to prior approval.
A typical medical insurance policy is valid locally and may sometimes extend to country of residence. The optional worldwide cover allows for the insured to undergo medical treatment anywhere in the world.
Headquartered in Dubai, Takaful Emarat takes pride in calling itself a co-operative insurance system with services adhered to both the UAE law and Shariah Supervisory Board. Their Health Insurance policies are comprehensive and designed to meet the requirements of the whole family for complete financial security.
Union Insurance Company was established in 1998 with an aim to provide comprehensive range of retail and commercial insurance products to clients in the UAE and Middle East. Their Health Insurance division offers an array of flexible plans to secure your health. Their claims units are staffed by highly qualified medical personnel and their dedicated channels of communication are open 24/7 for insured members to connect quickly and easily.
Basic health insurance in Dubai has received a major upgrade! The Essential Benefits Plan will now cover the cost of screening and treatment for three types of cancer and Hepatitis C.Read more »