Basic And Private Health Insurance in Dubai What You Need to Know
Basic And Private Health Insurance in Dubai What You Need to Know
Health insurance for expatriates is a mandatory requirement in Dubai. Thus, if you are planning to visit or move to Dubai which is known for its extreme summer heat, it is best that you clearly understand how the healthcare system in Dubai works. The cost of healthcare in Dubai is very high and if you are to pay your medical care expenses from your pocket, it might cost you a significant amount of savings. Do you not believe it? The following statement might help you get a rough idea of how expensive it is to receive healthcare in Dubai.
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The UAE has the most expensive medicines after the US and Germany, according to a 2019 study conducted by a British medical firm, Medbelle.
Thus, having the right medical insurance can save you from paying heavy bills and receive quality healthcare while you are in Dubai. Today, we will discuss the two types of medical insurance that you should know about.
Public Health Insurance in Dubai
Since the cost of providing quality healthcare services for ex-pats is increasing, the Dubai government has introduced mandatory basic health insurance for all employees. But, before getting your hopes high, remember the following points.
- The basic insurance grants low-cost healthcare at government hospitals and health facilities, but the level of coverage it provides is meager. Only basic and essential care is covered under health insurance approved by the Dubai Health Authority (DHA).
- Some also don't provide coverage to services that you might consider essential, for instance, dental care or cover for immediate family members.
- If you are lucky to find such a policy, be sure to check what is included and what is not included under that policy. This will save you from last-minute big surprises.
- If you are planning to cover dental care in the policy, you may need to maintain a healthy balance in your bank account because it doesn't come cheap and can raise the premium amount significantly.
- You need to carry your health insurance card with you to provide coverage in case you need medical treatment at short notice.
Private Medical Insurance in Dubai
Many ex-pats opt for private medical insurance plans in Dubai because they come with bigger benefits.
Such medical insurance policies offer a lot greater coverage than basic health insurance as they cover a range of health services that are not covered by the state-run system.
However, you should also be aware of the fact that individuals with private health insurance are often turned away from public health facilities. Besides, not every medical insurance plan has the provision to cover facilities outside of the network. The number of government hospitals in Dubai is only 6, while the number of private hospitals is going to be 38 upon the completion of new private hospital projects. This also means you will have more options to receive quality.
So, it would be wise to check the list of private hospitals where you can go for treatment in the case of an emergency. Plus, you should also check if a health policy allows reimbursement for treatment received in a facility that is not contracted with the insurer. If it does, then check how much reimbursement it will provide.
Even if you are a short-term visitor in Dubai, you should not rely on paying out of your pocket for medical care as it could be very expensive. As a visitor, you should explore different options for private medical insurance so that you can receive affordable and timely care during an emergency.
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