Enaya Program — A Complete Guide

What is Enaya Program?

Enaya Program is a government-sponsored health insurance scheme launched by the Dubai Health Insurance Corporation (DHIC). It combines all existing government health programs under one umbrella to offer wide-ranging medical coverage to eligible individuals and their dependents.

This program covers both routine and specialised medical needs, from preventive care to chronic disease management. With over 250,000 beneficiaries, the program ensures access to quality medical care through DHA facilities. Also, there’s a wide network of over 3,000 private healthcare providers across Dubai and beyond.

It’s specially curated for government employees and Emirati nationals, offering benefits that go beyond the basic coverage typically offered to private-sector workers.

Who Can Participate in the Enaya Program?

The Enaya Program is available to two main groups —

Dubai Government Employees

All full-time employees of Dubai Government departments are eligible to join the program. Along with the employee, the following dependents may be covered —

• One wife (only one spouse is covered)
• Parents of the employee are not eligible for coverage under Enaya — regardless of residency or dependency status
• If the employee and their eligible family members are covered under Enaya Program, they must submit a signed written declaration — this is to confirm that they are not enrolled in any other government-provided health insurance plan in Dubai
• Up to three children
  • Sons up to age 21 (must be UAE residents and unemployed)
  • Daughters up to age 21 (must be UAE residents, unmarried and unemployed)
  • Employees are allowed to swap one covered child for another once per year, but this change cannot be made retroactively 

HR Compliance Requirement

It is the responsibility of the Human Resources department to obtain a signed declaration from each eligible employee. This is to confirm that they understand and agree to comply with the above rules and conditions.

Emirati Citizens Without Other Government Insurance

Dubai nationals who don’t benefit from any other government-funded insurance plan can enroll in the Enaya Program. The coverage extends to —

• The insured individual
• Their spouse
• Sons up to the age of 24 years
• Daughters until they get married or start working
• Parents

All members are required to sign a declaration confirming that they are not covered by any other Dubai Government medical plan.

Enaya Program Healthcare Services and Partners

Enaya’s healthcare services are managed by two main third-party administrators (TPAs): Neuron LLC and Almadallah Healthcare Management. These partners ensure that medical services are delivered efficiently and that members have access to quality care.

1.) Neuron

Neuron provides back-end support and member services including —

• Claims processing
• Policy management
• 24/7 customer care helpline
• HealthHub suite
• Mobile app for e-cards and network search
• Access to a wide network of hospitals, clinics, pharmacies, and labs

2.) Almadallah

Almadallah offers similar services to Neuron and caters exclusively to Enaya members. Its support includes —

• Claims management
• 24/7 medical authorisation
• International patient assistance
• Member and policy enrolment
• Almadallah mobile app
• Offers and discounts on beauty treatments, optical services, and maternity packages

Benefits of Enaya Health Insurance

The Enaya program offers extensive medical coverage tailored to the needs of its members. Some of the core benefits include —

Comprehensive Treatment Coverage

Members are covered for acute, chronic, and pre-existing medical conditions without any waiting period. Coverage is also provided for emergency services, inpatient treatment, surgeries, and more.

Preventive Care

Annual checkups, vaccinations, and wellness screenings are included. These preventive measures help in early diagnosis and overall health management.

Maternity and Newborn Care

Maternity benefits begin from day one. Pregnant women are entitled to complete antenatal care, delivery services, and postnatal treatment — for both mother and child.

Second Medical Opinion

If a member is not satisfied with a diagnosis or treatment plan, they can seek a second opinion through the Enaya network.

Case Management

For high-cost or complicated medical conditions, the Enaya Program offers case management services to ensure better coordination and control of treatment.

Worldwide Emergency Access

In case of emergencies abroad, members can reach out to the 24/7 helpline to access international healthcare support through Enaya’s global partners.

How to Enroll in the Enaya Program?

You can enroll in the Enaya Program through any of the two following options —

Online Registration

Eligible individuals can call the Neuron toll-free helpline at 800 436292 to receive online registration support.

Kiosk Registration

Members can also visit a designated Enaya Kiosk and register using their Emirates ID card. The steps are as follows —

• Press ‘Start’ on the screen
• Insert your Emirates ID into the reader
• Fill in the required personal details
• Add dependents (if applicable)
• Confirm the registration

Kiosk Locations in Dubai

• Al Barsha Health Centre
• Hatta Hospital
• Nad Al Hamar Health Centre
• Dubai Festival Tower
• Al Mizhar Health Centre

A valid Emirates ID is required for kiosk registration. If you already have another government insurance, you will not be eligible to enroll under the Enaya Program.

In many cases, the HR department of the respective Dubai Government entity will assist with the enrolment of employees and their families.

Quality Monitoring and Compliance

Dubai ensures the quality and transparency of its healthcare system through strict oversight mechanisms —

ISAHD (Insurance System for Advanced Healthcare in Dubai)

This is DHIC’s central platform for regulating insurance licensing, monitoring compliance, and managing health insurance policies.

iPROMES

It is an interactive platform for feedback and complaints. Beneficiaries can submit praise, concerns, or suggestions regarding their insurance experience.

HICAL (Health Insurance Compliance and Audit Log)

HICAL monitors misuse, fraud, and abuse in the insurance system to preserve integrity and ensure that services are not exploited.

Why Does the Enaya Program Stand Out?

The Enaya Program plays a crucial role in Dubai’s vision to provide accessible, high-quality healthcare to its citizens and government employees. With wide-ranging coverage, 24/7 support, preventive and chronic care, and digital enrollment options, Enaya is much more than a typical insurance plan — it’s a healthcare safety net for the public sector.

Whether you’re a Dubai Government employee or a citizen without any other government insurance, Enaya ensures you and your family receive top-quality healthcare without financial stress. With easy enrollment, digital tools, and a strong support network, it offers peace of mind and dependable care when you need it most.

Frequently Asked Questions