Health Insurance in Sharjah
Health insurance helps eligible Sharjah residents access covered medical
services through an approved healthcare network. The available benefits,
limits, co-payments and exclusions depend on the selected plan and policy
terms.
From 1 January 2025, employers must arrange health insurance for eligible
private-sector employees and domestic workers in Sharjah as part of the
applicable residency issuance or renewal process.
Who May Need Health Insurance in Sharjah?
Medical coverage may need to be arranged for:
-
Private-Sector Employees:
Employers are responsible for purchasing the required health insurance
for eligible employees under the applicable federal scheme.
-
Domestic Workers:
Employers or sponsors must arrange appropriate medical insurance for
eligible domestic workers.
-
Self-Sponsored Residents:
Freelancers, investors and other eligible residents may need to arrange
their own medical insurance.
-
Family Dependants:
Sponsors may request separate medical coverage for spouses, children
or other eligible dependants who are not covered by another policy.
What May Health Insurance Cover?
Depending on the selected plan, benefits may include:
-
Outpatient Consultations:
Eligible consultations with general practitioners and specialists
within the approved medical network.
-
Diagnostic Services:
Medically necessary laboratory tests, imaging and other investigations.
-
Prescribed Medicines:
Approved medicines may be covered according to the applicable formulary,
benefit limits and co-payment.
-
Inpatient Treatment:
Eligible hospital admissions, surgeries and related medical care,
subject to approval requirements.
-
Emergency Treatment:
Emergency medical services may be covered according to the policy
conditions and geographical limits.
-
Maternity Benefits:
Eligible maternity services may be included, subject to waiting periods,
limits, co-payments and policy terms.
How to Choose Health Insurance:
Review these important details before selecting coverage:
-
Medical Network:
Confirm that suitable hospitals, clinics, pharmacies and specialists
are included in the assigned network.
-
Coverage Limits:
Review the annual policy limit and any separate limits applying to
individual medical benefits.
-
Co-payments:
Check how much the insured member may need to pay for consultations,
medicines, tests or other services.
-
Pre-authorisation:
Confirm which treatments, investigations, medicines or hospital
admissions require prior approval.
-
Pre-existing Conditions:
Declare existing medical conditions accurately and review how they are
treated under the selected plan.
-
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:
-
Provide the Applicant’s Details:
Enter the applicant’s personal, contact, identification and residency
information.
-
Provide Sponsor Details:
Submit the applicable employer, sponsor or self-sponsorship information.
-
Complete the Medical Information:
Declare existing conditions, previous treatment and other requested
medical details accurately.
-
Review the Available Coverage:
Check the medical network, benefits, limits, co-payments and exclusions.
-
Submit the Documents:
Provide the required identification, residency and medical records.
-
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 or visa application details
- Employer or sponsor information
- Previous medical insurance details, if available
- Medical declaration
- Medical reports or supporting documents, if requested
Why Choose Al Buhaira Insurance?
Customers can access:
-
Medical Insurance Enquiries:
Eligible individuals, employers and sponsors can request medical
insurance based on their coverage requirements.
-
Online Quotation:
Applicants can provide their personal and medical details through the
online medical-insurance quotation journey.
-
Sharjah Medical Network Search:
Healthcare providers can be searched by network, emirate, provider
type and speciality.
-
Medical Insurance Support:
Assistance is available for new enquiries, policy issuance, renewals,
endorsements, network enquiries and reimbursement claims.
Frequently Asked Questions:
Ans: From 1 January 2025, employers must arrange health insurance for eligible private-sector employees and domestic workers as part of the applicable residency issuance or renewal process.
Ans: The employer is responsible for arranging the required medical insurance for eligible private-sector employees under the applicable scheme.
Ans: Coverage may include outpatient consultations, diagnostic services, medicines, inpatient treatment, emergency care and maternity benefits, subject to the selected plan.
Ans: Access to treatment in other emirates depends on the assigned medical network, geographical limits and policy terms.
Ans: Coverage depends on accurate medical disclosure, eligibility and the selected plan. Existing conditions should be declared during the application.
Ans: Yes. Eligible applicants can submit their details through Al Buhaira Insurance’s online medical-insurance quotation service.
