So, great, you’ve just been offered a job or are looking to start a new career or business in Dubai. The only thing is, you keep hearing or seeing mention of private medical insurance and you’re not quite sure what it all means.
Dubai and the United Arab Emirates function on a strange mix of private and public health models, with some of the large national hospitals being for use by the public for a very small fee and the majority of the other private clinics, hospitals and more being made affordable by health insurance.
In Dubai and Abu Dhabi, health insurance is mandatory for all residents. You must have health insurance coverage in order to be a resident and live in Dubai.
In Dubai and Abu Dhabi, if you’re moving for a job, your health insurance will be paid for by your employer. However, if you’re moving to Dubai to start a new business, you will be responsible for providing your own health insurance.
There is a very basic health insurance package, set up by the Dubai Health Authority, in order to address the basic medical coverage. This package costs between 500 AED (£103) and 700 AED (£145) per year and gives you access to the public hospitals and clinics in Dubai.
If you’re a resident of Ajman, Fujairah, Sharjah, Ras Al-Khaimah or Umm Al-Quwain, you do not need mandatory health insurance and can pay the full price yourself at the clinics. However, attaining medical insurance will usually be the best option for you.
To get your own private health insurance, if you’re required to purchase your own package, can vary in cost depending on what you need to be included in the coverage.
If you’re looking for a very basic package that simply covers you within the confines of the UAE, has a decent annual coverage, does not include dental coverage, does not include maternity coverage, has a smaller network or other, you can get your health insurance for around 1,750 AED (£361) per year.
If you’re looking for something top of the line that includes worldwide coverage, including the USA, as well as sports, dental, maternity, with a wide network, high annual coverage and all of the really good stuff, you can go as high as 50,000 AED (£10,340) per year. That’s unlikely, though.
Usually, you’ll just need coverage locally, within the UAE.
How It Works
You’ll be allocated an annual coverage level by your health insurance provider, this number will be the limit of how much your medical costs can come to over the year. Once you go past this number, you’ll have to cover the costs yourselves or find an alternative. Usually, this number is quite high and even for the low packages covers you for around 250,000 AED (just over £50,000).
You’ll be required to pay a certain amount of deductible when you get any treatment as an outpatient, which will either be a percentage or a flat fee. In our own experience, we’ve found a 10% co-pay results in GP visits costing around 5 AED (£1) and prescriptions around 2 AED (41p). It’s not too bad.
Now you know you’ve got your health insurance covered, why not take a look at some of the amazing golf courses in Dubai?