Looking to buy basic medical insurance in Dubai? Got some FAQs on EBP? We’ve answered 5 of the most common cover questions here!

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 restricted to that administered in a clinic only, and is only covered if pre-referred and approved by a general practitioner/physician who will make the necessary specialist referral. Hospital coverage is firmly restricted to emergency room admission 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.

About Author

Rachel Al Mughairi

About Author

With over 34 years in the international insurance industry in a variety of senior management roles, and as holder of the Diploma in Insurance from the Chartered Insurance Institute, Rachel surely knows her insurance! With experience in London, continental Europe and the Middle East, Rachel is here to share her knowledge and help you understand more about insurance products in this easy-to-understand series of videos and blogs.