Why should have medical insurance

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Why should have medical insurance

As you may know, health insurance is compulsory for expats living in Dubai. Public healthcare is provided almost for free for UAE citizens while expats are covered with a higher cost for hospital care and treatments. Having a private medical aid or health insurance plan ensures that you are covered for care in private hospitals and can benefit from the use of other resources, depending on the level of cover that you choose.

Dubai Health Insurance Law

The 2014 Dubai Health Insurance Law states that employers are required to cover the health insurance of employees (whether they are citizens or expats). If your employer does not cover your healthcare insurance, you would be required to cover this for yourself. Basic healthcare which is the most cost-effective plan covers consultations with your doctor, necessary surgical procedures, and tests, maternity procedures as well as referral to specialists. Basic plans do not cover cosmetic procedures and other treatment which is termed as luxury.

In-patient and Outpatient hospital treatment

If you are looking for medical insurance that covers you not only for in-patient hospital treatment, but the ability to see healthcare specialists as an outpatient too, a comprehensive health care plan may be a good idea. Although comprehensive plans can be more expensive, you receive more benefits and have less out-of-pocket expenditure.

Benefits

There are many benefits of having health insurance in Dubai, including the ability to receive care and treatment from well-trained and experienced medical professionals in private facilities. The level of cover you receive is subject to the insurance plan you choose.

Pre-existing condition

If you have a pre-existing condition, or in other words a condition or illness that you have had continuous treatment for the last 5 years, investing in a comprehensive medical insurance plan would be beneficial. Comprehensive health insurance plans cover consultations with other healthcare professionals and may assist in the coverage of prescribed medication for your condition.

Medical Aid

While none of us anticipate requiring emergency medical treatment for illness or accidents, having a medical aid covers your basic to long term needs and may put your mind at ease. If you have required emergency medical intervention you will know that surgery and medical care can be costly and stressful.

Basic or Comprehensive Plan

Whether you are looking for a basic or comprehensive medical insurance plan, Compare Insurance provides a simple and quick platform to compare any different types of insurance across the board and assess the level of coverage that suits both your needs and your pocket.

In this article


Dubai Health Insurance Law

In-patient and Outpatient hospital treatment

Benefits

Pre-existing condition

Medical Aid

Basic or Comprehensive Plan
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