Here are the different types of health insurance policies in the UAE

Health Insurance helps you steer through unexpected medical expenditures. Health insurance in Dubai guards you against the high expenses of medical bills. This helps you in reducing your financial burden and shields you and your family against monetary loss due to unforeseen health problems. 

Health insurance coverage ranges from minor check-ups to major surgeries. You can also buy UAE Health Insurance plans online at affordable premiums, without many formalities.

The employee's pay, position, and other factors affect how much coverage is provided for employers and their dependents in UAE. The price of your medical treatments would depend on the type of insurance or plan you have and how much coverage you have.

Employers and sponsors in Abu Dhabi are in charge of providing health insurance for their staff members and their families (1 spouse and 3 children under 18 years).

Employers in Dubai are obligated to offer their workers' health insurance coverage. Sponsors must obtain insurance coverage for the dependents who are living with them.

Apart from the insurance provided by the employer or sponsor, there are other schemes to safeguard your health.

The various types of health Insurance schemes depend on aspects such as the kind of insurance coverage offered by the company, the network of healthcare providers, the cost of the premium and deductible, the extent of the coverage, etc. After weighing all the factors, you may choose the health insurance plans based on your needs and budget.

• Individual Health Insurance - Insurance plan covering a single person against hospitalization expenses and medical bills.
• Family Health Insurance - It provides coverage for multiple members of the family including your spouse, children, and parents.
• Senior Citizen Health Insurance - Dubai provides medical coverage to individuals who are over the age of 60. 

Health Insurance in Dubai provides financial aid in case the insured is diagnosed with critical illnesses. However, these health Insurance policies provide coverage for pre-existing illnesses after the waiting period is over. The waiting period varies with companies. Revealing pre-existing conditions when applying for a health insurance policy is important, or else it will lead to the denial or rejection of the claim.

UAE's action on mandatory health insurance for all builds new opportunities and broadens UAE's social safety yield. UAE will be providing universal medical coverage in 2023; reforms on long-term resident visas etc. are a part of it. It was launched by the Ministry of Health and Prevention (MoHAP) to govern and regulate health insurance operations.

In 2013, Dubai enacted legislation making health insurance coverage mandatory for every resident in the emirate. To execute this, the government linked it with the issuance of employment and residence visas. The employer or sponsor had to pay for health insurance. This was seen as an additional cost burden for the employer. However, all companies have been bearing the cost and are by now conditioned to it. However, this was restricted to Dubai residents. The exact instance could be copied across the nation or in particular circumstances the cost could be shared by and between the insured and the employer. This could help guarantee universal health coverage for all.

The country’s intervention in the health sector aims to modernize the national health system by using technology. This move will certainly guarantee a wholesome population that will contribute to economizing, and bolster the country’s importance as an excellent place to live, work and do business.

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