How Medical Insurance In Dubai Works?

Medical insurance is a lifeline provided to citizens by both government policies and approved private agencies.  It is a great policy because medical insurance cover your medical expenses that are routine and special. Medical insurance Dubai is provided on the same line and you will need an insurance cover if you are living in Dubai or Abu Dhabi or any other area in the UAE.

The Emirate authorities need you to have an insurance cover and it is mandatory. By obtaining insurance you will have access to a range of medical services that are vital for your well being and your family’s. By getting a health insurance cover you will have access to various public and private medical services that you may have to pay if you have not obtained a proper medical insurance cover.

There are two types of medical insurance you can buy in UAE and they are local insurance cover and international insurance cover. Having local insurance is not sufficient to get full medical care and attention so you will have to obtain an international health insurance instrument to combine with the local insurance cover. Medical treatments are costly here and these insurance covers will make sure that you don’t have to pay them. This is especially so in the case of expats who have made their home for business and residency.

How it works in UAE?

In order to bring everybody who lives in the UAE, both Dubai and Abu Dhabi have made health insurance mandatory. The obligation of getting insurance cover is heavily imposed on employers who are by default must finance the medical cover for their employees. They are required to provide private medical facility or insurance cover that are basic medical coverage that may include a minimum medical package under the purview of the Minimum Health Coverage law imposed by the authorities. Medical insurance Abu Dhabi provided to employees by their employer must also provide medical treatment to their dependants.

However medical insurance Dubai does not offer such coverage and concerned employees must take an insurance cover on their personal capacity. The same is also applicable to residents who are self employed in UAE. 

How to select the right health insurance in the Emirate?

Whether it is a personally obtained or employer sponsored, a health insurance cover in the UAE must be bought from a government approved health insurance provider.  The insurance cover you take must have the following benefits and coverage:

• Hospitalization
• Emergency medical treatment
• Regular medicine such as general practitioner and specialist
• Prescribed examinations or tests

Dental and optical coverage is not included in this medical cover and you will have to buy these services on your own private capacity. Know more about Medical insurance Dubai if you are required to buy insurance cover and contact a consultant who does this kind of services for a small fee across UAE.