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Thiqa Insurance: Abu Dhabi’s Premier Healthcare Program


If you are a UAE national living in Abu Dhabi, Thiqa Insurance stands as the gold standard in healthcare coverage, offering access to top-tier hospitals and clinics with little to no out-of-pocket costs.


Managed by the National Health Insurance Company (Daman) and regulated by the Department of Health – Abu Dhabi (DOH), Thiqa covers UAE citizens and eligible GCC nationals, ensuring comprehensive benefits, high annual limits, and preventive care access.


From an insurance perspective, the priority is accessibility — ensuring that healthcare is available when and where it’s needed most. In line with the UAE’s vision, every citizen and resident has the right to reliable health insurance coverage.


What is Thiqa Insurance?

Thiqa Insurance is a government-backed health insurance program designed to provide UAE nationals with comprehensive medical coverage at affordable or no cost. The plan enables citizens to access consultations, treatments, surgeries, and medications across a wide network of healthcare providers, ensuring that quality healthcare is always within reach.


How Thiqa Insurance Works


Under the Thiqa program, members receive coverage for a broad range of medical services — from routine health checkups and preventive care to emergency treatment and specialized procedures.


With a Thiqa insurance card, policyholders can visit approved hospitals, clinics, and pharmacies across the UAE and benefit from a smooth, cashless experience.


Claims and reimbursements are handled efficiently through Daman’s digital systems, minimizing paperwork and ensuring timely access to care.


Who qualifies for Thiqa Insurance?


• UAE citizens with a valid Family Book and Emirates ID residing in Abu Dhabi.
• GCC nationals employed in the emirate for at least three continuous years.
• Children of Emirati mothers married to non-nationals .


Applicants undergo a Weqaya health screening; completing this assessment within six months of enrollment unlocks lower co-payments and wellness rewards.


Key benefits and coverage limits


  1. Inpatient treatment: 100% coverage in network hospitals with private-room entitlement where medically necessary.

  2. Outpatient visits: AED 10 co-pay at public facilities; AED 50 at private clinics.

  3. Maternity care: Full coverage for prenatal, delivery and postnatal services.

  4. Pharmacy: 10% co-insurance capped at AED 50 per prescription.

  5. Overseas emergency cover: Up to AED 500 000 worldwide, subject to pre-approval.

Network and direct billing


Thiqa members can visit more than 2 000 providers across the UAE, including Cleveland Clinic Abu Dhabi and Sheikh Shakhbout Medical City. Present your e-card via the Daman app to enjoy cashless treatment. For planned procedures abroad, submit medical reports and obtain prior authorisation to avoid claim rejections.


Digital tools for easy management


The Daman mobile app lets you view policy details, locate network hospitals, request approvals and track claim status in real time. You can also download vaccination certificates and share a dependent’s e-card when accompanying children to appointments. For additional support or plan upgrades—for example, adding elective dental or worldwide cover—contact InsuranceHub.ae for personalised guidance.


Why Choose Insurancehub.ae?

At Insurancehub.ae, we help UAE residents make informed insurance decisions with clarity and confidence. Our team assists with:

  • Comparing Thiqa health insurance options

  • Helping you apply or renew your Thiqa card

  • Providing claim support and coverage guidance

  • Offering advice on additional or complementary health plans


Conclusion


Tasjeel Sharjah streamlines everything a driver needs to stay road-legal, from technical checks to plate printing. Preparing documents, fixing minor faults and securing insurance online with InsuranceHub ensures you breeze through the lanes and keep your motoring budget under control.



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FAQs About Thiqa Insurance

What is Thiqa Insurance in the UAE?

Thiqa Insurance is a government-backed health program managed by Daman, offering UAE nationals and eligible GCC citizens comprehensive healthcare coverage across top hospitals and clinics.

Who is eligible for Thiqa Insurance?

All UAE nationals residing in Abu Dhabi and eligible GCC nationals with valid Emirates IDs can apply for Thiqa Insurance coverage.

What does Thiqa Insurance cover?

Thiqa covers consultations, surgeries, medications, diagnostic tests, emergency care, maternity services, and preventive health checkups at approved medical facilities.

How can I apply for Thiqa Insurance?

You can apply for Thiqa Insurance through Daman’s official portal or get assistance from insurancehub.ae, where experts help you with the application and documentation process.

How can I check my Thiqa Insurance status?

You can check your Thiqa Insurance card status or coverage details by logging into your Daman account or contacting customer support for updates.

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