As you might be aware, health insurance in Dubai is mandatory for the residents of the city and all of UAE. While many options are flooded with insurers offering lucrative packages, you need to find the ones providing the most feasible insurance policy at a personalized cost.
Delving into the lifestyle of people residing in the UAE, most of them could be found under labeled organizational employees. Though it is natural to expect employers to provide insurance to their employees, the organizations are not subject to any legal liabilities if they deny the coverage.
The aforementioned clause less liberty has enabled many employers to save on group or organizational health insurance policies. Eventually, this pushes the employees to look for the cheapest health insurance in Dubai. The policies should also cover the lives of an individual’s dependents, including family and domestic workers. This has triggered the search for optimal health insurance policies in the gulf.
Though there are many general insurance policies and add-ons, we recommend an Essential Benefits Plan, EBP. An interesting fact is that employers or organizations with 100 or fewer employees are entitled to provide this insurance. This health insurance should cover employees, domestic workers, residents, and dependents. This mandatory scheme should be followed as per Dubai Health Insurance Law (ISAHD).
EBP is an ideal health insurance package for all residents living under the basic income range in Dubai. Generally, people whose monthly income ranges around 4,000 AED or less can go for this package. This is a very economical or cheapest health insurance in Dubai, with annual premiums ranging between 650 AED and 725 AED. The coverage aims at providing comprehensive general health insurance services such as access to a general physician, specified surgical procedures, emergency medics, consulting specialists, lab tests, monthly check-ups, and maternity care.
Though EBP covers general health insurance in Dubai, the residents cannot expect the package to hold its validity for in-patient circumstances. This insurance primarily saves you for diagnostic tests, treatments, and cases that don’t pose serious life-threatening issues. Even the extended version of this coverage, bearing all the limitations and extensions, covers only 150,000 AED per year.
The restrictions posed by EBP for advanced treatments must be considered for in-patient scenarios. This necessity introduces us to the co-insurance packages, other cheapest health insurance policies in Dubai. This health insurance scheme is a boon to those requiring high-level treatments and levies 20% of the overall bill. You can avail of co-payments in the range of 500 AED per year. This will, in turn, bring about an aggregate of 1000 AED. Exceeding the amount shall make the patient liable to cover 100% bill amount.
You can look for comprehensive basic health insurance in Dubai at many accredited insurance providers. The packages may be customized and advised to suit individual preferences, mostly dependent on the income range, health conditions, and associated lifestyle.
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