5 Minute Guide to Choosing the Best Health Insurance for Dependents

5 Minute Guide to Choosing the Best Health Insurance for DependentsPolicybazaarAverage Rating / 5 ( reviews)
273 Views

Whether your dependents are your children, your parents, or your house help, here is a brief guide to help you find the health insurance that is best for them in the United Arab Emirates.

Regardless of what the reason is for your move to the Gulf Country, from living to studying, it welcomes you with numerous surprises, opportunities, and also challenges. If you did not move into this country all by yourself, then it is definitely going to be a place filled with memories to cherish with your companions – children, spouse, and/or parents.

It is natural for any of us to do the best in our capacity when it comes to protecting our loved ones. This is the reason behind the working expats securing health insurance in UAE for their dependents. While the health insurance for all the Visa holders is compulsory in the Emirates region, the rules regarding the dependents’ health insurance vary from one region to another.

In the Emirate of Abu Dhabi, the employers are required to provide the employees with health insurance for them and their dependents up to the 3rd child, from which the coverage responsibility from the 4th child onwards is on the employee.

At the same time, in the Emirate of Dubai, the law requires employers to provide medical insurance to the employees. However, the coverage of the dependents is the responsibility of the visa holder and not the employer.

The emirates of Sharjah, Ajman, Fujairah, Umm Al Quwain, and Ras Al Khaimah, the employers do not have any legal responsibility to pay for the health insurance of their employees or their dependents.

So, no matter what your situation is, but if you are on a lookout to find the best health insurance in UAE for your dependents, below are some things you should know. These things will help you in getting the entire value of your money.

Basic Health Insurance Policies for your Dependents

For Dubai

The basic plans for health insurance in Dubai are often known as Essential Benefits Plans. These kinds of plans are offered by over 12 health insurance providers. As per the law of UAE, the expats that are residing in the emirate of Dubai can have a health insurance cover worth AED 150,000 at the maximum per annum.

For Abu Dhabi

The basic health insurance policy in Abu Dhabi is offered by the National Health Insurance Company. Under this plan, all employees must pay 50% of the premium of the policy for their dependents. This is capped at one wife and 3 children. If the employee has his or her house help or parents as dependents, then the employee needs to bear the cost of covering them under health insurance.

As per the law in UAE, the maximum amount of cover per year is capped at AED 250,000 for the expats residing in Abu Dhabi. Many of the insurance providers in the UAE also offer Islamic insurance or Takaful.

Choose Additional Benefits for Health Insurance

In the UAE, a basic health insurance plan may offer your dependents with certain benefits. However, these can be limited from additional health care such as dental, vaccinations, or eye care. The health of your dependents, be it your spouse, your child, or your parents, is very important.

Opting for additional coverage options might turn out to be more cost-effective as opposed to the high medical bills that come along with an unforeseen health problem. There are many cases around the UAE wherein the expats and tourists experience the burden of debt because of the medical expenses that become unaffordable for them while they are in the Gulf country.

Health Insurance is Different for Dependents

Depending on the relationship of the visa holder with their dependents, the UAE health insurance plans differ, thereby, having some dependents that become more costly to insure. If you are someone who has a limited budget, it is usually more budget-friendly to opt for a family medical insurance policy.

There are some companies in the UAE that might require the employees to have all of their dependents covered under one family plan, as this brings along a lower risk of rejection of the insurance claims.

Before you go ahead and secure a family insurance policy, it is good to check with your company, insurer, and broker.

However, if you only have a small family or selected dependents to cover under a health insurance, below is how the health plans can vary:

Parent Dependents

For those in UAE with dependents as their parents, it is good to note that it is difficult to secure health insurance for people that are aged above 65 years. Some insurance companies might straight-up refuse to provide coverage for any pre-existing medical condition. This can be common among the elderly. Even if you get an insurer to provide coverage, the premium charges are likely to be quite high.

Health insurance plans for seniors that are aged above 50 years can be more costly as opposed to plans for a spouse or a child. The premium on insurance for such individuals can even go up to AED 30,000.

Household Workers as Dependents

In the UAE, the domestic help’s health insurance must be taken up and paid for by the house head who is to be legally his or her visa sponsor. Some of the health insurance policies for the domestic workers in the UAE start from just AED 650.

Make Sure to Compare Health Insurance Plans

When you are on a lookout to find the best health insurance for your dependents in the UAE, a few minutes of thorough research on the different insurance providers in the market can prove to be useful in obtaining the best value.

You can make use of the various online tools and platforms that allow you to compare the different insurance providers and the different policies offered by them under one tab.

You might want to consider international health plans to increase the scope of your coverage to provide worldwide coverage.

How helpful was this page?
You May Like