Health Insurance UAE 



Health insurance for UAE nationals

1. Abu Dhabi

All UAE citizens residing in Abu Dhabi are given complete medical coverage and other health benefits under the “Thiqa” program of the Abu Dhabi government. A Thiqa card is given to each citizen, granting them full access to the many private and public healthcare providers registered within the Daman network. Additionally, it offers expanded geographic coverage and more health advantages.

Nationals living in Abu Dhabi between the ages of 18 and 75 must go through the Weqaya screening, which is managed by the Department of Health – Abu Dhabi, to be eligible for the Thiqa program. Only in extraordinary circumstances may the health examination, which is used to identify cardiovascular risk factors, be waived.

2. Amendments to insurance programs

The “Thiqa” plan and the Abu Dhabi Basic Plan both received several revisions from the Abu Dhabi Department of Health. The modifications went into effect on July 1st, 2016. They were created to make use of the health insurance system to boost sector-wide efficiency and better satisfy present and future demands.

3. Dubai

Saada is a health insurance program for residents of the Dubai emirate. It offers insurance protection to residents of the Dubai emirate who are not currently enrolled in any government health program. The program offers treatment through a vast network of private healthcare facilities and DHA medical facilities. Information about the Saada program that each citizen has subscribed to is listed on their Emirates ID card.

The Dubai Health Authority’s system allows residents of Dubai to submit an online complaint regarding health insurance services and/or providers in the emirate (iPROMeS).

4. Sharjah

Health insurance coverage for UAE nationals in the emirate of Sharjah is managed by the Department of Health Care Insurance at Sharjah Health Authority. At first, the Sharjah Government exclusively offered health insurance to its employees, their families, and senior Emiratis (those who are 60 years old or above). But as of January 2020, it chose to cover all Sharjah residents with insurance.

5. Ajman

All of the Ajman government’s employees are covered by health insurance. On the website of the Ajman Government, you may find claim forms as well as an updated
list of pharmacies, clinics, and hospitals, that have been approved by the health insurance network.

6. Health insurance for resident expatriates

The employee’s wage, position, and other factors affect how much coverage is provided to employers and their families. 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 the emirate of Abu Dhabi are obligated to offer health insurance to their staff members and their families (1 spouse and 3 children under 18 years).

In the emirate of Dubai, employers are obligated to offer their staff members health insurance coverage. Sponsors are needed to secure insurance for the dependents who will be living with them.

In the UAE, there are numerous insurance firms. Several also offer Islamic insurance (takaful). A list of registered insurance businesses in the UAE is available on the Insurance Authority’s website.


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