All Dubai residents and UAE Nationals are supposed to have mandatory Health Insurance: UAE Nationals are covered under government insurance programs; other Dubai residence can be covered under other registered Health Insurance services. It is the duty of the employers to cover the health insurances of the employees.
Let us see the details from how to get started to the details of the Health Insurance:
- Details of the Coverage: it is the legal liability of companies to provide an insurance package its employees. There are three groups: the first includes Blue Collar workers including their domestic help and maids. The second group includes the people who are dependent on the expatriates. The third group comprises of the elderly that is anyone above the age of 60 whether an employee or a dependent.
- Shop for the Insurance: among the 46 registered insurance providers, you can compare different plans and choose the best suitable one for you.
- Health Cover Package: the health cover packages cover basic check-ups, specialist referrals, Pathology and surgeries, emergency admission, maternity Health Care plan. You can also choose custom made plans for your dependents.
- Special Protection Package: this protects the interests of the beneficiaries by adding a minimum cap to the 20% of the co-insurance in case of a hospital stay or surgery that you have to pay.
- Fines and Penalties: incase an individual fails to get his health cover done on time the employer will be fined high charges in the beginning of every month till the time of his visa renewal comes. In case of an individual that is a freelancer or is self-employed he has to pay the fine himself.
- Maternity Benefits Limitations: the basic coverage provides Maternity benefits to a pregnant woman but not after her child is conceived.
- Other Limitations: illnesses like diabetes, hypertension other Lifestyle diseases will not be covered for the first 6 months but will be covered later for the preexisting conditions.
- Fun Newborns: a newborn will be covered for 30 days after its birth under its mother’s insurance. After that the parents have to get a separate insurance for the baby.
- Special needs Children: the basic requirements will be covered by the health care program but their special needs are not covered under this.
- Extended Coverage for Blue Collar workers in the home countries: Blue Collar workers are being given Healthcare packages even in the home countries to help keep the motivated and improve the productivity level at their home countries as well.