Daily Archives: April 20, 2015

Dubai’s Required Health Plan: Questions Answered

health planTwenty two percent (22%) or approximately 2 million residents in the UAE are not insured, many of whom are in Dubai.  The good news is effective third quarter of 2014, Dubai Health Authority (DHA) mandated health insurance plans for all its visa holders.  This new scheme will replace the health card system and will be executed in phases until 2016. The package is designed primarily for workers earning Dh4,000 or less.

FAQs About This New Health Scheme:

  • What does it cover?

The Basic Benefit Package (BBP) covers the essentials both for in and outpatient treatment within Dubai territory. It shall provide health cover to a maximum of AED 150,000.

Out-patient coverage includes:

  • examinations and treatment by general practitioners, consultants and specialists;
  • physiotherapy;
  • laboratory testing;
  • radiology diagnostic services;
  • vaccines and immunizations;
  • corrective laser and surgical treatment for vision;
  • diabetes screening (every 3 years from 30 years or from 18 years for high risk patients);
  • hearing and visions aids;
  • ante-natal care for maternity

Inpatient coverage:

  • tests;
  • diagnosis, treatment and surgery;
  • emergency treatment

With the minimum premium, chronic conditions can be covered, but not in the policy’s first six. The policy excludes dental treatment, domiciliary care, cosmetic care, surgical and non-surgical treatment for obesity.

  • How much is the premium?

The premium is around AED500-700 per year for workers who monthly earn AED 4,000 or less.

Since this program targets to help aid lower paid workers, the coverage may not be sufficient for all your health needs.  Enhanced benefits and those covering travel health insurance plans are great additions.

  • Who are covered by the program?

It shall cover both nationals and expatriate. The government shall provide it for Nationals working in its agencies, however, for those who are working in the private sectors, the employer shall shoulder it.  Employers should also shoulder it for the residents.  DHA also encourages them to cover spouses and dependents.