By June 2016, all employers – no matter how big or small – have to provide medical insurance for their workers as part of a new government statute. The final phase of the plan will include health insurance for all spouses, dependents and domestic workers.
The Dubai Health Authority (DHA) recognises over 46 insurers in the region, and advise that health insurance from your employer should cost 1.5% of your monthly salary. So a monthly salary of AED 10,000 will afford you AED 150 a month, or an annual insurance worth of AED 1,800.
While it’s a legal requirement to provide cover for an employee, you’ll still need to provide healthcare for your children and spouse. As you’d imagine, there are a huge spread of cover available in the region – some will let you claim up to 7 million in expenses, and some are prepared to accept pre-existing conditions.
Important things to consider are whether international coverage is part of the coverage, and whether Ambulance and dental plans are included. Another important factor is maternity insurance – some will only let you claim after a 2-year period of cover, while others have stipulations on which hospitals you can use, what delivery methods you can use and even what type of pain relief is covered. You’ll also need to ensure your new baby is fully insured – some policies will cover the child until they’re a week old, but check in advance to make sure your new arrival is fully covered.
Some insurance companies will also let you claim for alternative medicine, including homeopathy, acupuncture and osteopathy. You’ll need to find out which hospitals accept your insurance as a direct client or whether you’ll need to pay for the treatment and then submit a claims form.