Health Insurance Options for Salary Under AED 5000
The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.
The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.
The UAE puts significant emphasis on health insurance, irrespective of the individual’s income. Owing to the laws in the country, it is mandatory for employers to financially secure all workers against accidents, hazards, chronic illnesses, and other such ailments. These laws are indeed beneficial, as several excellent health insurance plan providers offer affordable health insurance the UAE. Having a plan from any of these providers ensures critical financial assistance in times of emergency.
However, even though insurance by the employer firm is mandatory, individuals often prefer to go for individual health insurance along with the group health insurance offered by the company. While most individual health insurance plans in the UAE are affordable, several plans may still prove expensive for individuals. However, with several health insurance options in the UAE, even individuals with low salaries can secure plans as per their requirements.
This article seeks to share the different types of health insurance options available for people with monthly salaries below AED 5,000. Continue reading below to know more about these plans and how one can avail of them.
Definition of Low Salaried People in the UAE
In the UAE, any individual working at a salary below AED 5,000 per month is considered a low salaried employee. This classification often includes unskilled workers who turn to the Gulf in search of a source of living. They often end up working at manufacturing units or employed as domestic helps to make ends meet.
Benefits of Health Insurance Options for People with Salary Below AED 5,000
As per surveys, about 95% of the UAE’s population is aware of the significance of health insurance. However, only 37% of them are covered under employer-sponsored health insurance plans, with the rest spending from their own pocket when it comes to paying their medical bills. Despite the awareness about insurance, the majority of the populace including the low-salaried individuals lack an insurance plan.
It is important to understand that no matter what you earn, health cannot be simply ignored. Moreover, with several medical treatment procedures being costly, having the support of insurance in any medical emergency is immensely invaluable.
The following is the breakdown of affordable health insurance in UAE one can avail of while earning less than AED 5,000 a month.
This health insurance company offers an Essential Benefits Plan (EBP) for domestic help and employees with a salary of less than AED 4,000 per month. The EBP allows such individuals to purchase a basic health insurance plan in Dubai at AED 525.
Some features included in these health insurance plans are:
Cover for both in-patient and out-patient services
Maternity services and coverage for the newborns
Mandatory vaccinations and inoculations for toddlers and infants as specified by the Dubai Health Authority covered
Coverage for major chronic diseases
Annual Cover Limit of AED 150,000
Besides the health insurance options, Essential Benefits Plan or EBP is another sought-after plan created mainly for low salaried individuals. This plan is primarily for individuals earning less than AED 4,000 per month. With premiums generally ranging between AED 550 and AED 650, these plans offer protection in case of health emergencies, tests, maternity, treatments, and in-patient and out-patient treatments.
A general EBP tends to offer:
Annual Claim of AED 150,000
Urgent treatment within the UAE
Inclusion for chronic or pre-existing diseases begins after 6 months from the start of the policy
Pharmacy Limit: AED 1,500 with 30% co-payment for each prescription
Outpatient antenatal facilities like blood tests, pre-delivery visitations, and ultrasounds also included in several EBPs
30 days of newborn coverage – provides cover for tests and screenings
Documents Mandatory for Purchasing the Health Insurance Plan in Dubai
Following are the documents necessary for buying an affordable health insurance in UAE, applicable as per the nationality:
Health Insurance is a fundamental need for working people in the UAE. Whether an individual has a high income or low, having a health insurance option provides them with protection against occupational hazards and injuries in the form of financial assistance. While the majority of the UAE is aware of the features and benefits of a health insurance plan, only a minor fraction of the population is able to avail of it.
However, while it may appear that people falling in the low-salaried category have an absence of options, there are several insurance providers offering affordable health insurance in the UAE for people with a monthly income of less than AED 5000. Moreover, another important plan discussed is the Essential Benefits Plan which is designed for people with a salary of less than AED 4000. This type of insurance plan is provided by several leading insurance providers in the UAE.
When applying for the affordable health insurance in UAE, the individual must carry documents including identification proof, passport, address proof, salary certificate, and details of the family doctor to verify their medical history.
Compare (and Buy) Health Insurance with Us
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