Abu Dhabi Offers Affordable Health Insurance Options for Residents through Daman

The Department of Health in Abu Dhabi revealed that the National Health Insurance Company, Daman, provides medical insurance for residents of the emirate, with a “basic health insurance policy,” starting at 600 dirhams.

The department confirmed to «Emirates Today» its keenness to ensure the availability of insurance options for all groups of society, as the health insurance system in Abu Dhabi includes a variety of health insurance policies that ensure the availability of multiple insurance options that suit the needs of all members of society, noting that insurance companies in the emirate Abu Dhabi has a number of health insurance policies, including the flexible health insurance policy at a price of 750 dirhams, the basic health insurance policy at a price of 600 dirhams up to 12 thousand and 500 dirhams, and it is currently available only with the National Health Insurance Company, and the health insurance policy for emergencies (there is no specific price for this policy), in addition to the enhanced health insurance policy (the minimum price for this policy is more than 600 dirhams).

The department stated that the basic health insurance policy is characterized by an annual insurance coverage of health services amounting to 250 thousand dirhams, and grants its holder 100% coverage of treatment in outpatient clinics with a participation of 10 dirhams by the patient, 100% coverage of inpatient treatment in hospitals, and 100% coverage of medical services. Natural childbirth, cesarean section and complications with participation of 750 dirhams by the patient. It is available to low-income people who receive a total salary of up to 5000 dirhams per month, and those sponsored by a resident expatriate who are not covered by the health insurance by the employer and who do not benefit from the flexible health insurance policy, and sponsored citizens from the workforce. Assistance according to their own provisions, in addition to non-citizens who are indigent and critical humanitarian cases.

While the health insurance policy for emergencies includes health services for the treatment of emergency cases, and those who come to the emirate on a visit visa, and children who are sponsored by the father or mother and are not permanent residents within the country, benefit from it, provided that a document is presented stating that, and this document covers medical treatment services for emergency cases only. Its value is determined according to the duration of the visit or residence within the country, according to the market price.

The department indicated that the insurance coverage for health services for the flexible health insurance policy is characterized by an annual coverage of 150,000 dirhams, 80% coverage for treatment in outpatient clinics, 80% coverage for inpatient treatment in hospitals with a maximum participation of 500 dirhams per visit, 1000 dirhams annually, and 90% coverage. For childbirth services, a maximum of 7,000 dirhams for normal delivery and 10,000 dirhams for cesarean section and complications.

While the list of beneficiaries of the policy includes expatriates residing in the emirate who work in the private sector, provided that his monthly income exceeds 5000 dirhams, willing investors, owners of free business licenses and their sponsors, in addition to those sponsored by a resident expatriate who are not covered by health insurance by the employer (governmental or private). ). She pointed out that the enhanced health insurance policy includes medical treatment services in the basic policy, with the addition of other medical treatment services, provided that these services, the premium, and the annual insurance coverage for them are agreed upon between approved health insurance companies and other parties to the policy, and the rest of the categories and required documents benefit from them. Determined according to the internal procedures of each health insurance company, pointing out that insurance companies require, in addition to the conditions mentioned in the insurance documents, a declaration of health status, treatments that have taken place and current diseases, where the final value of the annual health insurance premium is determined according to this declaration.

2000 health service provider

Health insurance programs in the Emirate of Abu Dhabi provide comprehensive coverage for individuals, within a medical network that includes more than 2,000 health service providers in the country. According to official statistics, the list of companies approved by the Department of Health that provide insurance services in the Emirate of Abu Dhabi includes 38 companies. The scope of insurance coverage for employees and their families is determined according to the employee’s salary and job grade, and the cost of medical services provided to the resident is determined according to the scope of coverage and the insurance program. Employers must provide health insurance for their employees and families, which includes (one wife and three children under the age of 18).

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Types of insurance policies provided by insurance companies in Abu Dhabi.