Health Insurance in the UAE

Health insurance helps eligible residents access covered healthcare services through an approved medical network. The available benefits, coverage limits, co-payments and exclusions depend on the selected plan.

Health-insurance requirements vary according to the emirate, employment, sponsorship and residence-visa category. Employers, sponsors or individuals should confirm the requirements that apply to each insured member.

Who May Need Health Insurance?

Medical coverage may need to be arranged for:

1. Private-Sector Employees: Employers are generally responsible for arranging the required medical insurance for eligible employees.
2. Domestic Workers: Employers or sponsors may be responsible for arranging medical insurance for eligible domestic workers.
3. Family Dependants: Sponsors may need to arrange coverage for spouses, children or other eligible dependants who are not covered by another valid policy.
4. Self-Sponsored Residents: Freelancers, investors and other eligible residents may need to arrange their own medical insurance.

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, limits and applicable co-payment.
4. Inpatient Treatment: Eligible hospital admissions, surgeries and related medical care, subject to medical necessity and 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 important details before selecting a plan:

1. Medical Network: Check whether 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: Confirm how much the insured member may need to pay for consultations, medicines, tests or other services.
4. Pre-authorisation: Check which treatments, investigations, medicines or hospital admissions require prior approval.
5. Geographical Coverage: Confirm whether the medical network applies within one emirate, across the UAE or in other countries.
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, identification, contact 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 treatment and other requested medical information 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 supporting 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 medical 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 individuals, families, employers and sponsors can request medical insurance based on their circumstances.
2. Online Quotation: Applicants can submit their personal and medical information through the online quotation journey.
3. Medical Network Search: Healthcare providers can be searched by network, emirate, provider type and speciality.
4. Medical Insurance Support: Assistance is available for quotations, policy issuance, renewals, endorsements, network enquiries and reimbursement claims.

Frequently Asked Questions: