Medical Insurance in Dubai

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

Health insurance is required under Dubai’s applicable health-insurance framework. Responsibility for arranging coverage may depend on the insured person’s employment, sponsorship and residency arrangements.

Who May Need Medical Insurance in Dubai?

Medical coverage may be required for:

1. Employees: Employers are generally responsible for arranging appropriate medical insurance for eligible employees.
2. Spouses and Children: Sponsors may need to arrange coverage for eligible family dependants who are not insured through another valid policy.
3. Domestic Workers: Sponsors may be responsible for arranging medical insurance for eligible domestic helpers under their sponsorship.
4. Self-Sponsored Residents: Freelancers, investors and other self-sponsored residents may need to arrange their own medical coverage.

What May Medical 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, subject to policy requirements.
3. Prescribed Medicines: Approved medicines may be covered according to the applicable formulary, benefit limits and co-payment.
4. Inpatient Treatment: Eligible hospital admissions, surgeries and related medical services, 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 waiting periods, limits, co-payments and policy terms.

How to Choose Medical 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. Annual Coverage Limit: Review the maximum amount payable under the policy and any limits that apply to individual benefits.
3. Co-payments: Confirm how much the insured member may need to pay for consultations, medicines, diagnostic tests or other services.
4. Pre-authorisation: Check which treatments, tests, medicines or hospital admissions require approval before receiving the service.
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 treatments are excluded, restricted or available only after a waiting period.

How to Request Medical Insurance:

Follow these steps:

1. Provide the Applicant’s Details: Enter the applicant’s personal, contact, identification and residency information.
2. Provide the 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 details accurately.
4. Review the Available Coverage: Check the medical network, benefits, limits, co-payments and exclusions.
5. Submit the Documents: Provide the requested 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 Options: Eligible individuals, families, employees and domestic workers can request appropriate medical coverage.
2. Online Quotation: Applicants can submit their personal and medical details 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, pre-authorisations and reimbursement claims.

Frequently Asked Questions: