Health Insurance in Abu Dhabi

Health insurance helps eligible Abu Dhabi residents access covered healthcare services through an approved medical network. The available benefits depend on the selected plan, eligibility, residency details, medical information and policy terms.

Residents must maintain valid health insurance under the applicable Abu Dhabi health-insurance framework. Responsibility for arranging coverage depends on the person’s employment, sponsorship and residency arrangements.

Who May Need Health Insurance?

Medical coverage may need to be arranged for:

1. Employees: Employers are responsible for arranging appropriate health insurance for eligible employees under the applicable requirements.
2. Spouses and Children: Eligible dependants may need coverage through an employer, sponsor or separate medical insurance arrangement.
3. Domestic Workers: Sponsors may be responsible for arranging medical insurance for eligible domestic workers under their sponsorship.
4. Investors and Freelancers: Eligible self-sponsored residents may need to arrange their own health insurance.

Health Insurance Options in Abu Dhabi:

Available programmes and plan categories may include:

1. Thiqa Programme: Thiqa is a government health programme for eligible UAE nationals and other qualifying categories.
2. Basic Health Insurance: Basic coverage provides essential medical benefits for eligible residents, subject to the applicable schedule of benefits.
3. Flexible Health Insurance: Flexible health insurance may be available to eligible investors, freelancers, private-sector employees and dependants who meet the relevant conditions.
4. Enhanced Health Insurance: Enhanced plans may provide broader medical networks, higher limits or additional benefits, depending on the selected policy.

What May Health Insurance Cover?

Depending on the selected plan, benefits may include:

1. Outpatient Consultations: Eligible consultations with general practitioners and specialists within the approved medical network.
2. Diagnostic Services: Medically necessary laboratory tests, imaging and other investigations.
3. Prescribed Medicines: Approved medicines may be covered according to the formulary, benefit limits and applicable co-payment.
4. Inpatient Treatment: Eligible hospital admissions, surgeries and related medical services, subject to approval requirements.
5. Emergency Treatment: Emergency medical services may be covered according to the policy conditions and geographical limits.
6. Maternity Benefits: Eligible maternity services may be included, subject to limits, waiting periods, co-payments and policy terms.

How to Choose Health Insurance:

Review these details before selecting a plan:

1. Medical Network: Confirm that suitable hospitals, clinics, pharmacies and specialists are included in the assigned network.
2. Coverage Limits: Review the annual policy limit and any separate limits applying to individual medical benefits.
3. Co-payments: Check how much the insured member may need to pay for consultations, medicines, tests or other services.
4. Pre-authorisation: Confirm which treatments, medicines, investigations or hospital admissions require approval.
5. Pre-existing Conditions: Declare existing medical conditions accurately and review how they are treated under the selected plan.
6. Exclusions and Waiting Periods: Understand which services are excluded, restricted or available only after a waiting period.

How to Request Health Insurance:

Follow these steps:

1. Provide the Applicant’s Details: Enter the applicant’s personal, contact, identification and residency information.
2. Provide Sponsor Details: Submit the applicable employer, sponsor or self-sponsorship information.
3. Complete the Medical Information: Declare existing conditions, previous treatments and other requested medical details accurately.
4. Review the Available Coverage: Check the medical network, benefits, limits, co-payments and exclusions.
5. Submit the Documents: Provide the required identification, residency and medical records.
6. Review the Quotation: Confirm the premium and policy details before completing the application.

Documents Required:

You may need the following documents:

1. Emirates ID
2. Passport copy
3. Residence visa copy or visa application details
4. Employer or sponsor information
5. Previous health insurance details, if available
6. Medical declaration
7. Medical reports or supporting documents, if requested

Why Choose Al Buhaira Insurance?

Customers can access:

1. Medical Insurance Enquiries: Eligible applicants can request medical insurance based on their residency and coverage requirements.
2. Online Quotation: Applicants can submit their personal and medical details through the online quotation journey.
3. Abu Dhabi Medical Network Search: Healthcare providers can be searched by network, emirate, provider type and speciality.
4. Medical Insurance Support: Assistance is available for new enquiries, policy issuance, renewals, endorsements, pre-authorisations and reimbursement claims.

Frequently Asked Questions: