If you are planning to move to Dubai for work purposes then it’s quite important to understand Dubai health insurance. The present population of Dubai is almost 9.2 million and 7.8 out of these people are foreign workers. And, getting health insurance is mandatory for Dubai residents and foreign workers.
The cost of medical care has started to spiral with the increasing number of ex-pats in the UAE. Heat Stroke, sunburn, and dehydration are the most common health issues caused by the extreme summer heat. Road accidents and natural disasters are other stories so you need proper health coverage for you and your family.
No matter whether you are a Dubai resident or an ex-pat for commercial purposes in Dubai, you can still avail of such insurance plans. Health insurance has been made compulsory for all residents since 2013. Such health insurance policies have access to many clinics and hospitals.
Here are some pointers and a complete guide to understanding each and everything about Dubai health insurance.
- Insurance types according to your income
- Which essentials will be covered in the health cover package?
- Special protection plans
- From where should you rent an automobile to get an insurance policy as well?
- Government company providing health insurance facilities in Dubai
- Conclusion
Insurance types according to your income
If your income is less than 4000 AED, you can go for a lower salary bracket (LSB) offer. it will help you to access some basic benefits of health insurance according to the policy of the Dubai Health Authority (DHA). Contrarily, Non-LSB holders, who earn more than 4,000 AED, can get a bundle of benefits by taking a better comprehensive health insurance plan.
Which essentials will be covered in the health cover package?
Whether you avail of a low-budget insurance plan or a comprehensive health coverage package, you will get all the basic benefits and cover charges. For instance, in case of emergency, you or anyone of your family members need a specialist or surgeon, you will be able to use your outpatient consultant. It will allow you to get referrals to surgeons, pathologists, and other specialists for any kind of hospital visit.
There are some other forms of insurances you might be aware of. If you work in a well-known Dubai company, you should ask your higher authority whether they have insurance for employees. If your company offers you to get registered for their group insurance scheme, you should avail of that plan. It is because it will be more economic and advantageous for you.
Special protection plans
A special protection package is the topmost advantageous plan that you can access in Dubai. This plan is basically helpful for the protection of interests of you. Though, being a beneficiary, you will have to pay at least 20% co-insurance charges. For instance, if you need surgery from a hospital, you will have to pay only 20 percent i.e., Dh500 will be capped.
Such insurance packages assure you to bear all hospital expenses irrespective of the treatment rate. You will have to arrange only a 20% amount and all other things will get done automatically by the company. In short, this special protection plan will cap your Dh500 ceiling to a maximum of Dh1000 per year.
From where should you rent an automobile to get an insurance policy as well?
As per the policy of the UAE government, it is mandatory to get insurance before getting into the driving seat of your rented vehicle. Find a Rent A Car Dubai company at a budget-friendly rate along with all other amenities including your health insurance to provide you protection and assistance in case of an accident.
Now the question is how will you get to know which company is providing insured automobiles. Almost 46 vehicle companies have such facilities that will ease you and prevent you from the difficulty of individual insurance. Such companies are already sponsored by group insurance policies for their fleet. You can search out on the website of DHA (Dubai Health Authority) which company is providing an insurance facility at a budget-friendly cost. Also, you can pay your rental car bills with your credit card.
Government company providing health insurance facilities in Dubai
UAE has two companies working for health insurance purposes including Enaya and Sa’ada. You can get insurance from anyone company according to the legal liabilities. Before renting a wheel, try to make sure that you get a car with insurance from the Cheap Rent A Car Dubai company. Depending upon the budget, you can access any one of the Essential Benefits Plan of your choice from any registered health insurance company of DHA.
Conclusion
So, whatever the purpose of your residence in Dubai, you can get lifetime health benefits by hiring any one of the Dubai Health Insurance packages. Also, we recommend you to rent or lease a car from RentalcarsUAE to get budget-friendly deals.
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November 14, 2020 at 01:17AM
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Complete Guide to Dubai Health Insurance - HealthTechZone
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