Basic Health Insurance in Abu Dhabi
Basic health insurance provides access to essential medical services
through an approved healthcare network. Residents in Abu Dhabi must
maintain valid health insurance under the applicable local requirements.
The exact benefits, provider network, co-payments and coverage limits
depend on the selected plan and its schedule of benefits.
What May Basic Health Insurance Cover?
Depending on the selected plan, benefits may include:
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Outpatient Treatment:
Consultations with general practitioners or specialists within the
approved medical network.
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Diagnostic Services:
Eligible laboratory tests, imaging and other medically necessary
investigations.
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Prescribed Medicines:
Approved medicines may be covered according to the plan limits,
formulary and applicable co-payment.
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Inpatient Treatment:
Eligible hospital admission, surgery and related treatment, subject
to medical necessity and approval requirements.
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Emergency Treatment:
Emergency medical services may be covered according to the policy
conditions.
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Maternity Benefits:
Eligible prenatal, delivery and postnatal services may be included,
subject to applicable limits and waiting periods.
What Should You Check Before Choosing a Plan?
Review these important details:
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Medical Network:
Confirm that suitable hospitals, clinics and pharmacies are available
within the plan’s approved network.
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Co-payments:
Check how much you may need to pay for consultations, medicines,
diagnostic services or other treatment.
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Coverage Limits:
Review the annual limit and any limits applying to individual benefits.
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Pre-approval Requirements:
Confirm which treatments, tests or hospital admissions require prior
authorisation.
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Exclusions and Waiting Periods:
Understand which treatments are excluded or subject to a waiting period.
How to Request Health Insurance:
Follow these simple steps:
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Provide the Member Details:
Enter the applicant’s personal, residency and contact information.
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Provide the Sponsor Details:
Submit the applicable employer, sponsor or dependent information.
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Review the Available Plan:
Check the medical network, benefits, co-payments, limits and exclusions.
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Submit the Documents:
Provide the requested identification, residency and supporting documents.
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Review the Quotation:
Confirm the premium and policy details before completing the application.
Documents Required:
You may need the following documents:
- Emirates ID
- Passport copy
- Residence visa copy
- Employer or sponsor details
- Previous health insurance details, if available
- Medical declaration or supporting reports, if requested
- Additional eligibility documents, if required
Why Choose Al Buhaira Insurance?
Customers can access:
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Medical Insurance Options:
Customers can request medical insurance based on their eligibility
and applicable Abu Dhabi requirements.
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Online Quotation:
Personal and medical insurance details can be submitted through the
online quotation journey.
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Medical Network Search:
Customers can review healthcare providers by network, emirate,
provider type and speciality.
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Medical Insurance Support:
Assistance is available for new enquiries, policy issuance, renewals,
endorsements and network-related questions.
Frequently Asked Questions:
Ans: Residents must maintain valid health insurance under the applicable Abu Dhabi health-insurance framework. Responsibility may depend on the person’s employment, sponsorship and residency category.
Ans: It may include outpatient consultations, diagnostic services, medicines, inpatient treatment, emergency care and maternity benefits, subject to the plan’s schedule of benefits.
Ans: Treatment should generally be obtained through providers included in the selected medical network. Emergency and out-of-network rules depend on the plan.
Ans: A co-payment may apply to consultations, medicines, diagnostic tests or other services. Review the schedule of benefits before using the policy.
Ans: Wider medical insurance options may be available with broader networks or additional benefits, subject to eligibility, underwriting and the insurer’s available plans.
Ans: Yes. Customers can submit their details through Al Buhaira Insurance’s online medical-insurance quotation service.
