Health Insurance in the UAE

Go Back   Expat Forum For People Moving Overseas And Living Abroad > Middle East > Dubai Expat Forum for Expats Living in Dubai

Dubai Expat Forum for Expats Living in Dubai Have you made Dubai your new home? Are you thinking about moving to Dubai? If you want meet like minded Expats living in Dubai then you have come to the right place. Join the Dubai Expat Forum and discuss food, meet friends, talk property in Dubai, finances, jobs and much much more.

Health Insurance in the UAE


Closed Thread
 
Thread Tools
  #1 (permalink)  
Old 30th July 2012, 10:09 PM
Member
 
Join Date: Jun 2012
Location: Karachi
Posts: 70
Rep Power: 6035
Swerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond repute
4 likes given

Users Flag! Originally from pakistan. Users Flag! Expat in uae.
Default Health Insurance in the UAE

Hello folks,

I have just been offered a job in the UAE (Abu Dhabi to be exact) and they have given me two packages: one is with salary/allowances/kids education/medical insurance etc, and the other is a lump sum amount which does not include medical coverage. Since I am not married or have kids, the lump sum offer appeals to me more since I will be able to claim more that way. HOWEVER since it does not include medical coverage, I want to make an informed decision about what I am getting myself into. If you have information about healthcare in the UAE, I would appreciate if you can help me with the following questions:

- Which are some of the good health insurance providers in the UAE? Please tell me if you have experience with them.
- How much can I expect it to cost per month for a reasonable medical insurance package / adult individual ( myself, future spouse, etc)
- How easy is the claims process

Your info is much appreciated.
Best Regards!

Quick reply to this message
  #2 (permalink)  
Old 31st July 2012, 04:57 AM
New Member
 
Join Date: May 2012
Location: india
Posts: 20
Rep Power: 0
my.ninty is on a distinguished road
2 likes given

Users Flag! Originally from india. Users Flag! Expat in uae.
Default

Quote:
Originally Posted by Swerveut View Post
Hello folks,

I have just been offered a job in the UAE (Abu Dhabi to be exact) and they have given me two packages: one is with salary/allowances/kids education/medical insurance etc, and the other is a lump sum amount which does not include medical coverage. Since I am not married or have kids, the lump sum offer appeals to me more since I will be able to claim more that way. HOWEVER since it does not include medical coverage, I want to make an informed decision about what I am getting myself into. If you have information about healthcare in the UAE, I would appreciate if you can help me with the following questions:

- Which are some of the good health insurance providers in the UAE? Please tell me if you have experience with them.
- How much can I expect it to cost per month for a reasonable medical insurance package / adult individual ( myself, future spouse, etc)
- How easy is the claims process

Your info is much appreciated.
Best Regards!

Try this online quote at AXA -

Health Insurance

Most of the hospitals have direct billing arrangement, so you only pay your share at the hospital and no need to submit any claims.

Quick reply to this message
  #3 (permalink)  
Old 31st July 2012, 05:31 AM
petrolhead's Avatar
Member
 
Join Date: Jun 2011
Location: Dubai
Posts: 567
Rep Power: 41846
petrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond reputepetrolhead has a reputation beyond repute
77 likes received
17 likes given

Users Flag! Originally from uk. Users Flag! Expat in uae.
Default

Thought it was the law for employers in AD to provide medical insurance to employees, so it should be covered

Quick reply to this message
  #4 (permalink)  
Old 31st July 2012, 05:42 AM
Member
 
Join Date: Feb 2009
Location: Abu Dhabi
Posts: 2,727
Rep Power: 267016
rsinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond repute
411 likes received
214 likes given

Users Flag! Originally from india. Users Flag! Expat in uae.
Default

Quote:
Originally Posted by petrolhead
Thought it was the law for employers in AD to provide medical insurance to employees, so it should be covered
That's correct.
Double check with the employer

Quick reply to this message
  #5 (permalink)  
Old 31st July 2012, 07:43 AM
Member
 
Join Date: May 2011
Location: Dubai
Posts: 365
Rep Power: 11638
Kawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond reputeKawasutra has a reputation beyond repute
34 likes received
12 likes given

Users Flag! Originally from germany. Users Flag! Expat in uae.
Default

Quote:
Originally Posted by rsinner View Post
That's correct.
Double check with the employer
But most of them are providing cheap crap health insurance...

__________________
Wealth is, if you can buy things that you basically don`t need...
Quick reply to this message
  #6 (permalink)  
Old 31st July 2012, 08:39 AM
New Member
 
Join Date: Mar 2012
Location: Dubai
Posts: 16
Rep Power: 0
Karl2803 is on a distinguished road

Users Flag! Originally from uk. Users Flag! Expat in uae.
Default

your final gratuity will be based on your pay before allowances so from that angle the higher base is better

Quick reply to this message
  #7 (permalink)  
Old 31st July 2012, 09:13 AM
Member
 
Join Date: Jun 2012
Location: Karachi
Posts: 70
Rep Power: 6035
Swerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond reputeSwerveut has a reputation beyond repute
4 likes given

Users Flag! Originally from pakistan. Users Flag! Expat in uae.
Default

the AXA quote site asks me to give a contact in the end so they can call .. same with the other sites.

If any of y'all is paying medical insurance, please let me know your approximate rates for whatever package you are availing. It will give some idea that I need to make the decision.

The HR guy dealing seems to be remarkably mistake prone so I am not sure he is even worth conversing to more about company policy or whether they give medical by default or not. I am just hedging my options.

Quick reply to this message
  #8 (permalink)  
Old 31st July 2012, 09:58 AM
Member
 
Join Date: Feb 2009
Location: Abu Dhabi
Posts: 2,727
Rep Power: 267016
rsinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond reputersinner has a reputation beyond repute
411 likes received
214 likes given

Users Flag! Originally from india. Users Flag! Expat in uae.
Default

the AXA quote does not seem to work online for Abu Dhabi. For Dubai it works.
No personal experience otherwise - my company insurance policy is actually very good

Quick reply to this message
  #9 (permalink)  
Old 1st August 2012, 01:29 PM
New Member
 
Join Date: Jul 2012
Location: UK
Posts: 3
Rep Power: 0
SteveMcCrady is on a distinguished road
2 likes given

Users Flag! Originally from uk. Users Flag! Expat in england.
Default

Most of the international medical insurers will not cover an expat in Abu Dhabi, due to local licencing regulations. Many expats buy the local cheap cover from someone like Damman. If you just want basic cover, that may do you, but if you want more comprehensive international cover you can buy the local cover but also find an international insurer who will cover you 'Worldwide excluding USA' from within your home country. Alternatively AVIVA International do an Emirates solution plan that's compliant in Abu Dhabi, but it's expensive!!

Quick reply to this message
  #10 (permalink)  
Old 29th August 2012, 02:41 PM
Roadworrier's Avatar
Member
 
Join Date: Jul 2012
Location: Dubai Marina
Posts: 340
Rep Power: 48989
Roadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond reputeRoadworrier has a reputation beyond repute
99 likes received
72 likes given

Users Flag! Originally from usa. Users Flag! Expat in uae.
Default

Quote:
Originally Posted by SteveMcCrady View Post
Most of the international medical insurers will not cover an expat in Abu Dhabi, due to local licencing regulations. Many expats buy the local cheap cover from someone like Damman. If you just want basic cover, that may do you, but if you want more comprehensive international cover you can buy the local cover but also find an international insurer who will cover you 'Worldwide excluding USA' from within your home country. Alternatively AVIVA International do an Emirates solution plan that's compliant in Abu Dhabi, but it's expensive!!
I'm going thru the process on my initial residence visa right now. My company is international but incorporated in Abu Dhabi for its UAE practice and for whatever reason they insisted on me having an AD visa instead of Dubai even though Dubai has less headaches. AXA makes you fill out two almost identical applications (one for the UAE and one specific to Abu Dhabi), and then you have to get an AD-specific medical certificate from HAAD, the local health authority.

That adds at least 2-3 days if not longer to the wait for finalizing your residence visa and it seems completely redundant with the other health insurance input needed for your visa. It may be because the AD laws specifically require full coverage of health care for resident expats within the Emirate. Interestingly, several coworkers who work here have their UAE visas from Dubai which seems to be easier to deal with. So it is interesting how this plays out from a practical perspective. It's not been my understanding (I may be wrong) that you actually get "more coverage" for being in AD, except perhaps for babies/children.


Last edited by Roadworrier; 29th August 2012 at 02:45 PM.
Quick reply to this message
Old 13th January 2013, 02:26 PM
shamli
This message has been deleted by Elphaba. Reason: advertising - against forum rules
Closed Thread

Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Expat Forum For People Moving Overseas And Living Abroad forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



Thread Tools

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
National Insurance Number & Health Insurance Akatrin Britain Expat Forum for Expats Living in the UK 14 16th August 2014 05:45 PM
Health Insurance and Life Insurance KathyK Greece Expat Forum for Expats Living in Greece 2 14th August 2014 04:50 PM
PR on entry should I get Health Insurance/Holiday Insurance Hoping we get in!! Canada Expat Forum for Expats Living in Canada 13 19th November 2011 04:21 PM
Health Insurance Yukichon America Expat Forum for Expats Living in America 2 20th March 2011 10:43 PM
About health insurance akedarg Spain Expat Forum for Expats Living in Spain 6 27th June 2008 05:19 PM

LEGAL NOTICE
By using this Website, you agree to abide by our Terms and Conditions (the "Terms"). This notice does not replace our Terms, which you must read in full as they contain important information. You must not post any defamatory, unlawful or undesirable content, or any content copied from a third party, on the Website. You must not copy material from the Website except in accordance with the Terms. This Website gives users an opportunity to share information only and is not intended to contain any advice which you should rely upon. It does not replace the need to take professional or other advice. We have no liability to you or any other person in respect of any content on this Website.
FORUM PARTNERS

ExpatForum.com is owned and operated by VerticalScope Inc.

Retiring Overseas Guides | Moving Overseas Guides | Cost of Living | Health Care Guides


All times are GMT. The time now is 11:59 PM.


Powered by vBulletin®
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
Search Engine Friendly URLs by vBSEO