The Abu Dhabi Health Department issued a new circular in which it clarified new decisions, conditions and services related to the health insurance system for resident employees working in the Emirates, as it specified the health services provided by the flexible health insurance system in the UAE 2023.
Health services provided by the flexible health insurance system in the UAE
The Department of Health in Abu Dhabi stated that the insurance coverage for health services for the flexible health insurance policy is characterised by an annual coverage of one hundred fifty thousand dirhams, 80% coverage of treatment in outpatient clinics, and 80% coverage of inpatient treatment in hospitals with a maximum participation of five hundred dirhams per visit and one thousand dirhams annually, In addition, the coverage for inpatient treatment in hospitals includes a maximum participation of one thousand dirhams, And coverage of 90% for delivery services, with a maximum payment of 7,000 dirhams for a normal delivery and a payment of 10,000 dirhams for a caesarean section with complications.
Determine the beneficiaries of the flexible health insurance system in the UAE
While the list of beneficiaries of the policy does include expatriates living in the emirate who work in the private sector, provided that their monthly income is greater than 5,000 dirhams, willing investors, owners of free business licences and their sponsors, in addition to those sponsored by a resident expatriate who are not covered by health insurance provided by the employer (whether the employer is public or private), the list does not include those who work in the public sector.
Services provided by the enhanced health insurance policy system in the UAE
She mentioned that the enhanced health insurance policy includes medical treatment services in the basic policy, in addition to other medical treatment services, provided that these services, the premium, and the annual insurance coverage for them are agreed upon between approved health insurance companies and other parties to the policy, and the rest of the categories and required documents benefit from themm She also mentioned that the enhanced health insurance policy includes medical treatment services in the basic policy, in addition to other medical treatment services, based on the processes that are followed internally by each health insurance company; it is important to note that insurance companies require, in addition to the conditions that are mentioned in the insurance documents, a declaration of health status, treatments that have taken place, and current diseases; the final value of the annual health insurance premium is determined according to this declaration.
Determine the beneficiaries of the health insurance system for emergencies in the UAE
Those who come to Abu Dhabi on a visit visa, as well as children who are sponsored by the father or mother and are not permanent residents within the country, are eligible for the health insurance policy for emergenciesm This policy provides health services for the treatment of emergency cases, and those who profit from it are those who arrive to Abu Dhabi on a visit visa. In addition, the medical treatment services covered by this policy are limited to those that are required in the event of an emergency, The cost of the coverage is calculated according to the length of time spent visiting or residing inside the nation, as well as the cost of living there.
Beneficiaries of the flexible health insurance system and the emergency health insurance system in the UAE
Those who hold a visitor visa, as well as children who are not living in the country permanently and are sponsored by their father and mother, as well as expatriates working in the private sector and whose salaries exceed 5,000 dirhams, are eligible for the flexible health insurance document system, Those who hold a self-employment licence, investors, and those sponsored by a resident are eligible for the guarantee, The health insurance that the employer provides, whether it be public or private health insurance, comes from the health insurance policy system and covers unexpected medical costs.
