As healthcare coverage is compulsory in Dubai, you need to be well-acquainted with the functioning of health insurance across the city. If your company does not provide health insurance, you must know how to get health insurance and how much it costs to purchase the best health insurance in Dubai. Although health insurance in Dubai is expensive, the services offered are of international standards. The medical insurance plans in Dubai typically cover a wide range of treatment and medical services.
The Emirates states Health Card
In Dubai, you must apply for a health card if your company, or your spouse’s company, does not provide health insurance coverage. The UAE Health Card offers primary healthcare coverage similar to what Emirati citizens can avail of through public healthcare.
Expats wishing to avail of the perks of public clinics and hospitals must have a health card. Thus, it is wise to apply for the UAE health card even if you are protected by the best health insurance in Dubai. In some situations, it may be economical to undergo treatment in a public clinic or hospital.
Health Card Fees
0 to 9 years - 27 USD
10 to 17 years - 54 USD
More than 18 years - 82 USD
Even the best medical insurance in Dubai might not cover some treatments under its policy. Thus, having a Health card is necessary for people living in Dubai.
Types of Health Insurance Plans
The insurance companies in Dubai offer decently standard plans compared with nations in North America or Europe. Most insurance companies in Dubai offer four main types of health insurance policies that cover everyone from a relocated family to a solo ex-pat.
Individual health insurance plans: for a single person or family group looking for an all-inclusive medical insurance
Family health insurance plans: these plans can help avail of great value with significant family discounts
Group health insurance plans: qualified discounts and other extended perks are possible for policies that cover more than twenty members.
Traveler health insurance plans: for a single person or groups who frequently travel to Dubai; these policies offer incredible flexibility and allow customized coverage that is suitable for your travel itinerary.
Average Health Insurance Cost in Dubai
Generally, organizations in Dubai include medical insurance as part of their salary package. However, this is not always the situation. For reasonably all-inclusive healthcare insurance, you can expect an annual premium of $ 2,720. Companies offering the best medical insurance in Dubai charge a premium of 1,500 USD for an ex-pat on an all-inclusive plan to around $ 9,120 for a family comprising four members on comprehensive insurance. A primary health insurance plan for a family of four should be $ 4,630. The Essential Benefits Plan in Dubai offers the least level of health insurance coverage demanded by law. According to the UAE constitution, foreigners living in Dubai can avail of insurance coverage up to $ 40,000 annually.
Conclusion
Selecting an appropriate medical insurance policy can be a hassle anywhere in the world. In addition, the different governing by-laws of the emirates can cause more hassle in selecting insurance coverage. Therefore, you may like to consult with experts to make the right choice.
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