In most instances, health insurance in Dubai will bear the costs for those who have contracted Covid19 or are suspected to have the infection. This is according to a directive issued to all health facilities licensed by the Dubai Health Authority, on behalf of the Ministry of Health and Protection in early March, when Covid19 first started spreading around the world. 

Health Insurance to Cover the Costs

The directive made it clear that all Covid19 cases, whether confirmed or just suspected, were to be treated as emergency cases within 2 categories:

    1. Insurance coverage is available:

Regulations demand that the treatment costs of those tested and found positive for the virus are covered and paid for by insurance companies if the patient has an insurance cover.

Even if you are getting a test and treatment done at a private healthcare provider, if a physician has prescribed the test and treatment, it should be covered by your insurance.  

  1. Unavailability of insurance coverage.

Those without the mandatory health insurance cover required by law in Dubai, if identified as such, will also be protected by not having to pay the costs at DHA licensed health care facilities.

However, in all likelihood, insurers would not help those who went for testing purely to put their minds at rest concerning the deadly virus, but who showed no symptoms of Covid19. In this instance, the person would probably be expected to foot the bill for the testing, whether insured or not. 

What About Other Forms of Insurance Dubai?

  • Life Insurance may be a prime source of concern as the numbers of deaths rise as a result of Covid19. However, there is no need for this worry as a life insurance policy would still payout, should the one be covered. 
  • Travel Insurance: In case of Travel Insurance, although private insurers would usually cover Covid19 as a health emergency, there could be questions regarding whether or not the traveller had already shown symptoms of the virus when they signed for the cover and started their travels. This could rule out the insured’s cover completely.

For more information on insurance and what each type of policy covers, it’s worth speaking to our insurance advisors to get better clarity, especially on insurance you are about to buy. Whatsapp us your insurance queries at +971 50 246 0687.

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.