Health Insurance Abu Dhabi

This law obligates employers to provide health coverage for their employees and dependents. It was implemented to promote comprehensive medical access and to reduce the financial burden on residents due to unforeseen health expenses. Failure to comply can lead to penalties, including fines and suspension of business licences​.

Is Health Insurance Mandatory in Abu Dhabi?

Yes, health insurance is mandatory in Abu Dhabi, as outlined by Law No. 23 of 2005. There are two main ways to be insured:

1. Employer-Provided Health Insurance: Employers are legally required to provide health insurance for their employees and immediate family members—usually one spouse and up to three children under 18. This coverage is a necessary part of maintaining a work visa and residency in the Emirate. Employers must make sure that their workers have at least basic insurance coverage.
2. Individual Health Insurance: While employer coverage meets basic needs, residents often opt for individual health insurance for more comprehensive coverage. This is especially relevant for dependents not included in employer plans, such as additional children or elderly parents. Individual plans offer wider benefits and may include enhanced services not covered by basic employer-provided insurance.

Here are some key points to consider regarding health insurance in Abu Dhabi —

1. Mandatory Requirement: All residents — including expats — must have valid health insurance. This is necessary for obtaining and renewing residence visas.
2. Fines for Non-Compliance: Residents who don’t have valid health insurance may face fines ranging from AED 500 to AED 20,000 along with delays or complications in the visa process.
3. Coverage: Mandatory health insurance generally covers primary care, maternity care, emergency services, surgeries, and tests.
4. Employer Responsibility: From January 1, 2025, employers across the UAE must necessarily provide health insurance coverage to their employees and domestic workers. This rule extends the mandatory health insurance currently required in Dubai and Abu Dhabi to the other emirates.
5. Golden Visa Applicants: If you are applying for Golden Visas, you must have health insurance coverage for yourself and your family members throughout their stay in the UAE.

Health Insurance Abu Dhabi at a Glance

The table below highlights the key details of health insurance Abu Dhabi — 

Features and Benefits of Health Insurance in Abu Dhabi

Discussed below are the notable features and benefits of health insurance in Abu Dhabi —

1. Types of Coverage: Depending on your health insurance plan and insurer, given below are the types of coverage available —

• Clinic-Only Coverage: This type offers basic access to general practitioners (GPs) at clinics. Visits to specialists are permitted, but they require a referral and prior approval by a GP. This coverage is suited for routine medical checks and minor health issues.
• Clinic with Specialist Coverage: With this option, you can visit specialists directly in clinic settings without needing a GP referral. It also includes emergency hospital access for life-threatening situations and certain inpatient services, providing quick attention when needed.
• Clinic + Hospital Coverage: The most comprehensive plan, it provides direct access to hospitals and clinics. These plans often cover both local and some international treatments. Patients benefit from direct billing for both outpatient and inpatient services. Many of these plans also include additional benefits like dental and optical care.

1. Access to Both Network and Non-Network Hospitals: You can access medical services from a wide range of network hospitals for direct billing and non-network hospitals for reimbursement options.
2. Pre and Post-Hospitalisation Benefits: Insurance plans often cover medical expenses incurred before admission to a hospital and after discharge. This can include consultations, diagnostic tests and follow-up treatments.
3. Coverage for Pre-Existing Conditions: Many plans in Abu Dhabi offer coverage for pre-existing medical conditions after a waiting period. Thus, you can receive treatment for ongoing health issues without facing financial difficulties.
4. Diagnostic Tests: Health insurance policies usually cover essential diagnostic tests such as X-rays, MRIs and blood tests. This allows for accurate diagnoses without out-of-pocket costs.
5. Outpatient and Inpatient Cover: Plans often include both outpatient care (like doctor visits and minor procedures) and inpatient care for more serious hospital stays. This dual coverage provides security for various medical needs, from routine checks to significant treatments.
6. International Coverage: Some comprehensive health insurance plans extend coverage beyond the UAE, which allows you to access treatment abroad. This is particularly beneficial for specialised procedures or emergencies while travelling.

Eligibility Criteria for Medical Insurance in Abu Dhabi

The eligibility criteria for Medical insurance in Abu Dhabi are outlined below —

Why Compare Medical Insurance in Abu Dhabi Online?

Comparing health insurance policies online in Abu Dhabi is not just convenient but also essential to find the best plan for your needs. Listed below are 5 reasons why you should compare health insurance online before making a decision — 

1. Save Time and Effort: Comparing health insurance policies online gives you access to multiple options in one place. You can explore various plans, benefits, and premiums without visiting multiple insurance offices.
2. Find the Best Rates: When you compare policies online, you can easily spot the most affordable options. Many websites, like Policybazaar.ae, offer special discounts and deals that might not be available elsewhere, helping you get more value for your money.
3. Transparent Information: Online comparisons give you a clear picture of what each plan offers. You can review the inclusions, exclusions, coverage limits, and additional benefits side by side. 
4. Tailored to Your Needs: Online platforms help you filter insurance plans as per your specific requirements such as maternity cover, outpatient care, or pre-existing condition coverage. 
5. Quick and Hassle-Free Process: The online process is quick and easy. You can compare, select, and purchase a policy within minutes. This eliminates the lengthy paperwork and back-and-forth traditionally involved in buying health insurance.
6. 24/7 Access: One of the biggest advantages of online comparison is the flexibility to do it anytime and from anywhere. You can compare health insurance plans at your convenience without worrying about office hours or appointments.

Best Medical Insurance Abu Dhabi Plans

Some of the top medical insurance plans in Abu Dhabi are —

Note: The list of the above-mentioned health insurance plans is not exhaustive — you can find many other options available. For detailed information and a full list of available plans, visit the official website of Policybazaar UAE.

Inclusions and Exclusions of Health Insurance in Abu Dhabi

Inclusions of Health Insurance in Abu Dhabi

Below is a table highlighting what is included in various health insurance coverages in Abu Dhabi — 

Exclusions of Health Insurance in Abu Dhabi

While health insurance plans in Abu Dhabi are extensive, there are common exclusions such as — 

1. Cosmetic and elective surgeries: Procedures done for aesthetic purposes that are not medically necessary.
2. Pre-existing conditions during waiting periods: Some policies require a waiting period before coverage begins for pre-existing medical conditions.
3. Fertility treatments: Coverage often excludes procedures related to infertility unless specified.
4. Experimental treatments: Medical procedures or medications not yet approved or standard.
5. Alternative medicine: Practices like acupuncture or homoeopathy may not be covered unless explicitly stated in the plan.
6. Self-inflicted injuries: Treatments arising from deliberate harm are typically excluded.
7. Non-prescription drugs and supplements: Over-the-counter items and vitamins may not be covered.

Documents Required for Medical Insurance in Abu Dhabi

To apply for medical insurance in Abu Dhabi, keep the following documents prepared — 

1. Sponsor Passport Copy (Front Page)
2. Sponsor Visa Page
3. Sponsor Emirates ID
4. Applicant (Dependent) Passport Copy (Front Page)
5. Applicant (Dependent) Visa Page
6. Applicant (Dependent) Emirates ID
7. Medical Application Form (MAF)
8. Previous Proof of Insurance 

How Much Does Health Cost in Abu Dhabi?

Health insurance in Abu Dhabi generally starts at around AED 1,400 per year. However, the premium can vary significantly as per the coverage, the type of policy, and your specific needs.

Factors Affecting the Premium of Health Insurance in Abu Dhabi

1. Age: Younger individuals typically generally pay lower premiums. This is because as you age, the risk of health issues increases, leading to higher premiums.
2. Medical History: Pre-existing conditions and chronic illnesses can increase the cost of premiums as insurers account for the higher likelihood of claims.
3. Coverage Level: Comprehensive plans with extensive coverage (including dental, optical, and maternity) will cost more than basic plans that cover only essential health services.
4. Type of Plan: Individual plans, family plans, and group plans have different premium structures. Family plans might be more economical per person compared to individual plans, although the total premium will be higher.
5. Lifestyle and Occupation: High-risk occupations and unhealthy lifestyle choices such as smoking can increase insurance premiums.
6. Geographical Coverage: Plans that offer international coverage or a broader geographical scope tend to have higher premiums compared to plans limited to the UAE.
7. Deductibles and Copayments: Plans with higher deductibles and copayments typically have lower premiums. However, keep in mind that this also leads to higher out-of-pocket expenses when making a claim. 

Top Health Insurance Companies in Abu Dhabi

Here are the top health insurance companies in Abu Dhabi —

1. Takaful Emarat

Takaful Emarat, established in 2008, is a pioneer in the Islamic insurance sector. The company offers a range of comprehensive health insurance solutions that cater to individuals, families, and businesses. 

Takaful Emarat is popular for its Sharia-compliant insurance products that ensure peace of mind for those who prefer plans that comply with Islamic financial principles. The company’s health insurance plans include extensive coverage for inpatient and outpatient services, chronic conditions, and maternity care.

1. Orient Insurance

Orient Insurance, established in 1982, is one of the leading insurance companies in the UAE. The company is known for its innovative risk solutions and high customer satisfaction. 

Orient Insurance offers various health insurance plans that provide coverage for serious illnesses, including heart attacks, kidney failure, and major organ transplants. Its plans offer flexibility in premium payments and global coverage so that you receive the best possible care both locally and internationally.

1. Adamjee Insurance

Founded in 1960, Adamjee Insurance Company is among the oldest and most respected insurance providers in the region. The company offers a wide range of insurance products, including health insurance. 

Adamjee Insurance is well-known for its health insurance plans that cover a broad spectrum of medical services — from routine check-ups to major surgeries. Its health care plans are designed to provide maximum coverage and seamless access to top medical facilities. These features are further supplemented by the company’s customer-centric approach and efficient claims processing.

Add-Ons for Medical Insurance Plans in Abu Dhabi

Here are some common add-ons available —

1. Maternity Cover: This add-on covers expenses related to prenatal and postnatal care as well as delivery costs. Note that some policies also include newborn baby care.
2. Personal Accident Cover: Provides financial protection in case of accidental injuries, disability, or death. This cover ensures that policyholders or their beneficiaries receive compensation for accidents that may cause significant financial burdens​.
3. Critical Illness Cover: Offers a lump sum payment upon the diagnosis of critical illnesses such as cancer, heart disease, or kidney failure. This helps cover the high costs of long-term treatment and care associated with these serious conditions​.
4. Dental Cover: Includes routine dental check-ups, X-rays, fillings, extractions, and root canal treatments. Some plans also cover orthodontic treatments and dentures​.
5. Optical Cover: Covers eye care treatments, surgeries, and costs related to glasses and contact lenses
6. Hospital Cash Benefit: Provides a fixed daily cash allowance during hospitalisation. This can help in covering additional non-medical expenses incurred during a hospital stay.
7. Geographical Extension Cover: Extends the health insurance coverage to include medical treatments in foreign countries. This is particularly useful for frequent travellers or expats who may need medical care while abroad​.

How to Buy Cheapest Medical Insurance in Abu Dhabi?

Policybazaar.ae is an online platform through which you can easily buy cheapest health insurance in Abu Dhabi. On just one platform, you can compare different health insurance plans from various providers to find the best coverage at the most affordable rates. 

Additionally, the website offers a user-friendly interface and detailed information on various insurance products, which makes it ideal if you want to understand and compare options for an informed choice. You can also read reviews and ratings to make informed decisions. 

Steps to buy cheap Health Insurance in Abu Dhabi via Policybazaar.ae

1. Fill Out the Lead Form: On the health insurance page, you will find a lead form. Fill in your basic details such as name, email, and phone number.
2. Get Quotes: After submitting the form, you will be directed to the health insurance quotes page. Here, you will see a list of health insurance plans from different providers along with their coverage details and prices.
3. Compare Plans: Carefully review the available plans. Compare them based on coverage, premium costs, network hospitals, and any additional benefits. 

Tip: Use the filters to narrow down your options as per your specific preferences.

1. Select and Buy: Once you have chosen the plan that best suits your needs, click on the ‘Apply’ button next to the selected plan. 
2. Customer Support: For any questions or assistance during the application process, you can reach out to Policybazaar.ae customer service team.

Who Should Buy Health Insurance in Abu Dhabi?

Individuals belonging to the following categories should consider buying health insurance in Abu Dhabi —

1. Residents and Citizens: All residents and citizens of Abu Dhabi are required by law to have health insurance.
2. Expatriates: Expats living and working in Abu Dhabi must have health insurance to cover medical expenses. More than just a necessity for visa requirements, this ensures that they receive necessary medical care without financial strain.
3. Employers and Employees: Employers are mandated to provide health insurance for their employees. This includes covering basic health insurance as part of employment contracts.
4. Families: Families, especially those with children, should invest in medical insurance to cover routine check-ups, vaccinations, and any unexpected medical needs. 
5. Senior Citizens: Individuals over the age of 60 should consider health insurance plans tailored for senior citizens. These plans cover age-related health issues and chronic conditions.

When is the Right Time to Buy Health Insurance in Abu Dhabi?

It is always advisable to buy health insurance when you are young. Here are some benefits of purchasing a health insurance plan at a younger age —

1. Lower Premiums: Health insurance premiums are generally lower for younger individuals. As you age, the risk of health issues increases, which reflects in higher premiums.
2. Comprehensive Coverage: Young buyers often have fewer pre-existing conditions. This not only reduces premiums but also makes it easier to obtain comprehensive coverage without exclusions or waiting periods for certain treatments.
3. Financial Security: Starting health insurance early provides financial security against unexpected medical expenses.
4. Accumulate No-Claim Bonus: Many health insurance policies offer a no-claim bonus for each year without a claim. 

How Much Does Health Cost in Abu Dhabi?

Health insurance in Abu Dhabi generally starts at around AED 1,400 per year. However, the premium can vary significantly as per the coverage, the type of policy, and your specific needs.

Factors Affecting the Premium of Health Insurance in Abu Dhabi

1. Age: Younger individuals typically pay lower premiums. This is because as you age, the risk of health issues increases, leading to higher premiums.
2. Medical History: Pre-existing conditions and chronic illnesses can increase the cost of premiums as insurers account for the higher likelihood of claims.
3. Coverage Level: Comprehensive plans with extensive coverage (including dental, optical, and maternity) will cost more than basic plans that cover only essential health services.
4. Type of Plan: Individual plans, family plans, and group plans have different premium structures. Family plans might be more economical per person compared to individual plans, although the total premium will be higher.
5. Lifestyle and Occupation: High-risk occupations and unhealthy lifestyle choices such as smoking can increase insurance premiums.
6. Geographical Coverage: Plans that offer international coverage or a broader geographical scope tend to have higher premiums compared to plans limited to the UAE.
7. Deductibles and Copayments: Plans with higher deductibles and copayments typically have lower premiums. However, keep in mind that this also leads to higher out-of-pocket expenses when making a claim. 

Claim Process for Medical Insurance in Abu Dhabi

Have a look at the claim process for both elective and emergency treatments —

Elective Treatment or Treatment in Network Hospital

Elective treatment refers to planned medical care, such as scheduled surgeries or treatments that are not urgent. Here, patients have time to consult with their healthcare providers and insurance companies beforehand.

1. Pre-Authorisation: Before undergoing elective treatment, obtain pre-authorisation from your insurance provider. This involves the submission of medical reports, doctor's recommendations, and treatment plans for approval.
2. Approval Notification: Once approved, you will receive a notification detailing the coverage and any co-payment requirements.
3. Schedule Treatment: To avoid additional out-of-pocket costs, arrange the treatment with the healthcare provider so that they are within your insurance network.
4. Treatment and Documentation: After receiving treatment, make sure to properly document all medical records, bills, and receipts.
5. Claim Submission: Submit the claim to your insurance provider along with all necessary documentation. This can often be done online through the insurance company's portal.
6. Claim Processing: The insurance company will review the submitted documents. If everything is in order, they will process the claim and settle the payment with the healthcare provider.

Emergency Treatment or Treatment in Non-Network Hospital

Emergency treatment involves urgent medical care needed to prevent serious harm or death. This refers to scenarios where you require immediate action without prior planning.

1. Seek Immediate Care: In an emergency, seek immediate medical attention. Go to the nearest hospital or call an ambulance if necessary.
2. Notification: Inform your insurance provider as soon as possible about the emergency and the treatment being received. Note that many providers have a 24-hour hotline for such notifications.
3. Documentation: Make sure that all medical records, bills, and receipts are collected and documented. If possible, ask the hospital to directly bill the insurance company.
4. Claim Submission: Submit the claim to your insurance provider along with the emergency treatment documentation. This can usually be done after the patient is stable.
5. Claim Processing: The insurance company will review the claim and process it.

Common Add-ons of Abu Dhabi Medical Insurance Plans 

• Dental cover 
• Optical cover 
• Maternity and pregnancy cover
• Personal accident cover
• Hospital cash benefit
• Second opinion benefit
• Critical illness cover
• Room rent waiver 
• Geographical extension cover

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