Health Insurance
Health insurance is a mandatory requirement for all residents in Dubai, as per the Dubai Health Insurance Law. This service is a critical component of the residency visa process and daily life, ensuring individuals have access to quality healthcare without facing significant financial burden.
Key Features:
- Mandatory Requirement: The Dubai Health Authority (DHA) has mandated that all residents, including expatriate employees and their dependents, must have health insurance. Employers are legally obligated to provide at least a basic level of coverage for their employees. Sponsors are responsible for providing coverage for their dependents (spouses, children, and domestic workers).
- Types of Plans:
- Essential Benefits Plan (EBP): This is the minimum level of coverage required by the DHA. It's designed to provide affordable healthcare for those earning an income below a specific threshold (e.g., AED 4,000 per month). The EBP covers basic services like inpatient, outpatient, maternity, and emergency services.
- Enhanced/Comprehensive Plans: Many employers and individuals opt for more comprehensive plans that offer higher annual limits, a wider network of hospitals and clinics, and additional benefits such as dental, vision, and worldwide coverage.
- Benefits and Coverage:
- Inpatient and Outpatient Services: Coverage for hospitalization, surgery, doctor visits, diagnostic tests, and prescribed medicines.
- Emergency Services: Coverage for medical emergencies both within and outside the network.
- Maternity Coverage: This is a key benefit, often included in many plans, to cover maternity-related medical expenses.
- Direct Billing & Reimbursement: Most plans offer a "direct billing" or "cashless" facility at network hospitals and clinics, where the insurer directly settles the bills. For out-of-network services, a "reimbursement" process is available.
- Choosing a Plan: The agency can assist clients in choosing the right plan by assessing their needs and budget. Factors to consider include the annual coverage limit, the network of hospitals and clinics, co-payments and deductibles, and whether the plan offers international coverage for travel.
- Streamlining the Process: The agency handles the entire health insurance process, from providing quotations from reputable insurance providers to filling out the necessary application forms and ensuring the policy is active for the visa application and renewal. This ensures compliance with DHA regulations and a hassle-free experience for the client.
