The Emirates announces health insurance for residents of 600 dirhams every year, The Department of Health in Abu Dhabi has disclosed that the National Health Insurance Company, Daman, offers medical insurance to inhabitants of the emirate. The "basic health insurance policy," which has a base premium of 600 dirhams, may be purchased through Daman.
The Department reaffirmed its eagerness to ensure the availability of insurance options for all segments of society, noting that the health insurance system in Abu Dhabi includes a variety of health insurance policies that ensure the availability of multiple insurance options that suit the needs of all members of society, as well as the fact that insurance companies in the Emirate of Abu Dhabi have a number of different types of insurance policies. The Department's goal is to ensure that all members of society have access to insurance options that meet their individual requirements. Health insurance policies include the health insurance policy for emergencies, which has no specific price, the flexible health insurance policy, which costs 750 dirhams, the basic health insurance policy, which costs 600 dirhams up to 12,500 dirhams, and which is currently only available at the National Health Insurance Company. In addition, there is the Enhanced health insurance policy, which costs a minimum of more than 600 dirhams and is only available through the National Health Insurance Company.
The department stated that the basic health insurance policy is characterised by an annual insurance coverage of health services amounting to 250 thousand dirhams, and it grants its holder 100% coverage of treatment in outpatient clinics with a participation of 10 dirhams by the patient, 100% coverage of inpatient treatment in hospitals, and 100% coverage of medical services. The department also stated that the basic health insurance policy is characterised by an annual insurance coverage of health services amounting to 250 thousand dirhams. The patient contributed 750 dirhams towards the care during their natural delivery, caesarean section, and any difficulties that arose. People with low incomes who receive a total salary of up to 5000 dirhams per month are eligible for this programme. Also eligible are people sponsored by a resident expatriate who are not covered by the health insurance provided by the employer and who do not benefit from the flexible health insurance policy, as well as sponsored citizens who are working. In addition to providing assistance to non-citizens who are destitute and involved in serious humanitarian situations, assistance will be provided in accordance with their own provisions.
Those who come to the emirate 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 to benefit from it, provided that a document is presented stating that, and this document covers medical treatment services for emergency cases only. While the health insurance policy for emergencies does include health services for the treatment of emergency cases, those who come to the emirate on a visit visa are also eligible to benefit from it. According to the current pricing of goods on the market, its cost is computed based on the total number of days spent in the country, whether as a tourist or a resident.
According to the department, the insurance coverage for medical services under the flexible health insurance policy is characterised by an annual coverage of 150,000 dirhams, 80% coverage for treatment in outpatient clinics, 80% coverage for inpatient treatment in hospitals with a maximum participation of 500 dirhams per visit, 1000 dirhams annually, and 90% coverage. In addition, the coverage for inpatient treatment in hospitals has a maximum participation of 500 dirhams per visit. A maximum of 7,000 dirhams will be charged for childbirth services in the event of a normal delivery, while 10,000 dirhams will be charged in the event of a caesarean section or difficulties.
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.
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 them. 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.
health insurance
supplier of health services in the year 2000
Individuals who live in the Emirate of Abu Dhabi can obtain full coverage through health insurance programmes offered by the government of the emirate. These programmes are part of a medical network that comprises more than 2,000 medical professionals located throughout the country. There are a total of 38 businesses on the list of organisations that have been granted permission by the Department of Health to provide insurance services in the Emirate of Abu Dhabi. This information comes from official data. The employee's income and job grade are taken into consideration when determining the extent of insurance coverage for the employee and their families. Similarly, the extent of coverage and the insurance programme are taken into consideration when determining the cost of medical services rendered to the resident. It is the responsibility of employers to offer medical coverage for their workers and their families, which is defined as "one wife and three children under the age of 18."
