ICP Medical Insurance in the UAE

ICP refers to the Federal Authority for Identity, Citizenship, Customs and Port Security. The Authority manages visa, residency and Emirates ID services under its jurisdiction in the UAE.

Valid medical insurance may be required when applying for or renewing certain visas and residence permits. The exact requirement depends on the applicant’s visa type, residency category, sponsor, emirate and applicable government procedures.

What Is ICP Medical Insurance?

“ICP medical insurance” is not a separate healthcare product or an Integrated Care Plan. It generally refers to a valid UAE medical insurance policy used to meet the health-insurance requirement for an applicable ICP visa or residency service.

The policy must meet the requirements applying to the applicant and should be issued by an authorised insurance provider. Where electronic integration is available, the policy information may be verified digitally during the government application process.

Who May Need Medical Insurance for ICP Services?

Medical insurance may be required for eligible:

1. New Residence Applicants: Applicants completing the issuance of an eligible UAE residence permit.
2. Residents Renewing Their Permits: Existing residents completing an applicable residence-permit renewal.
3. Family Dependants: Spouses, children, parents or other eligible dependants sponsored by a UAE resident.
4. Investors and Self-Sponsored Residents: Applicants under investor, partner, freelance or other eligible self-sponsored residency categories.
5. Domestic Workers: Eligible domestic workers whose medical insurance must be arranged by their employer or sponsor.
6. Eligible Visa Applicants: Certain visit, long-term residency or other visa categories where valid UAE medical insurance is part of the application requirements.

How Electronic Insurance Verification Works:

The process may include the following steps:

1. Purchase the Medical Policy: The applicant, employer or sponsor arranges an eligible medical insurance policy.
2. Policy Issuance: The insurer issues the policy using the applicant’s identification, passport, visa and sponsorship information.
3. Electronic Record Submission: Where applicable, the insurance information may be shared through an authorised electronic integration.
4. Government Verification: The relevant authority may retrieve or verify the insurance information while processing the visa or residency application.
5. Additional Documents: The applicant may still be asked to provide a policy certificate, insurance card or other supporting document.

Electronic verification does not replace the need to provide accurate applicant information. Differences in passport numbers, Emirates ID details, visa files or dates of birth may delay verification.

What May the Medical Policy Cover?

Depending on the selected plan, benefits may include:

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

What to Check Before Purchasing:

Review these details carefully:

1. Applicant Eligibility: Confirm that the policy is suitable for the applicant’s visa, residency and sponsorship category.
2. Policy Validity: Check the policy commencement date and period of insurance.
3. Medical Network: Confirm that suitable hospitals, clinics and pharmacies are included in the assigned network.
4. Coverage and Limits: Review the annual limit, benefit-specific limits, co-payments and deductibles.
5. Exclusions: Understand which treatments, conditions and services are not covered.
6. Applicant Information: Ensure the name, passport number, Emirates ID, visa details and date of birth are entered correctly.

Documents Required:

You may need the following:

1. Passport copy
2. Emirates ID or Emirates ID application details
3. Residence visa or entry-permit details
4. Visa file or unified identification number, if applicable
5. Employer or sponsor information
6. Previous medical insurance details, if available
7. Medical declaration or supporting reports, if requested

Why Choose Al Buhaira Insurance?

Eligible applicants and policyholders can access:

1. Online Medical Quotation: Applicants can submit their identification, residency and medical information through the online quotation journey.
2. Medical Policy Support: Dedicated channels are available for new enquiries, policy issuance, renewals and endorsements.
3. Medical Network Search: Members can search healthcare providers according to their assigned network, emirate, provider type and speciality.
4. Policy Documentation: Eligible policyholders receive the insurance documents required for their medical coverage and applicable administrative procedures.

Frequently Asked Questions: