Looking to buy basic medical insurance in Dubai or across the UAE? Got some FAQs on EBP? We’ve answered 5 of the most common basic health insurance cover questions here!
Understanding Basic Medical Insurance in Dubai
Basic health insurance UAE is mandatory for all residents across Dubai, Abu Dhabi, and the Northern Emirates. Whether you’re an employer looking to fulfill legal requirements or an individual seeking affordable coverage, basic medical insurance Dubai plans provide essential healthcare protection at competitive rates.
Basic health insurance Abu Dhabi and Dubai policies typically cover:
– General practitioner consultations
– Emergency room treatment
– Essential medications
– Basic diagnostic tests
– Preventive care services
While basic medical insurance offers fundamental coverage, it’s important to understand the limitations, co-payment requirements, and waiting periods before making your decision. Let’s explore the most common questions about basic health insurance in the UAE.
What is co-insurance?
Co-insurance is the amount (either a fixed amount or a percentage) you are required to pay towards the cost of any claim. A typical percentage under a basic health plan is 20%: meaning that on a claim of AED1000 you would be required to contribute AED200 with the Insurer paying the balance of AED800.
Can I go directly to a specialist or hospital under the basic plans?
Any outpatient treatment under a basic plan is limited to clinic-based care and is covered only if pre-referred and approved by a general practitioner/physician who will make the necessary specialist referral. Hospital coverage is limited to emergency room admissions only.
Are pre-existing and chronic conditions covered under the basic plans?
Pre-existing and chronic conditions are generally covered but are subject to policy claim waiting periods (6 months for Dubai Visa holders and 12 months for Northern Emirates’ Visa holders) and if suitably declared. They may also be subject to the payment of an additional premium loading. Note that in the case of Dubai Visas, some Insurers may waive the waiting period if a valid Certificate of Continuity is provided.
Is Maternity cover provided under a basic plan?
Note that whilst Maternity coverage is available, there is a typical policy claim waiting period of 6 months. Further, any pregnancy arising within 40 days of the policy start date will not be covered (assuming also that the applicant was nor pregnant when the policy incepted). Day 1 coverage may be available from some Insurers for pregnant applicants upon acceptance from Underwriters and payment of their stated additional premium.
Who should we contact in the event of an emergency?
In the event of emergency, you should contact your Insurer’s 24-hour assistance hotline, which should be able to give you relevant support and advice. Please also contact your InsuranceMarket.ae Advisor as soon as you are able, so we can liaise with our Claims Team to support you with the ongoing handling of your claim.
Basic vs. Comprehensive Health Insurance UAE: Quick Comparison
| Feature | Basic Health Insurance UAE | Comprehensive Insurance |
| Outpatient Care | Clinic-based only (with GP referral) | Direct specialist access |
| Hospital Coverage | Emergency room only | Full hospitalization & surgery |
| Co-insurance | Typically 20% | 0-10% or none |
| Annual Limit | AED 150,000 | AED 500,000 – Unlimited |
| Maternity Waiting Period | 6 months | 12 months (varies by insurer) |
| Average Annual Cost | AED 600-800 | AED 3,000-15,000+ |
| Network Hospitals | Limited network | Extensive network options |
| Dental & Optical | Not included | Optional add-ons available |
