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Protecting your and your family’s well-being is one of the most important responsibilities you need to fulfil. From providing them with the best possible healthcare services to ensuring preventive care, there are a lot of small steps one can take to ensure good health. Finding proper health insurance coverage is one such thing you need to do here; easier said than done. While buying health insurance Abu Dhabi is quite easy, choosing the right plan can be tricky at times. Moreover, plans and benefits change as per the emirate you reside in. Here, we will focus on finding everything you need to know about Abu Dhabi health insurance policies and their features, top health insurance companies in Abu Dhabi, buying procedures, claims, and most asked questions of all times.
|Abu Dhabi Health Insurance Companies||Details of Plans and Benefits|
|Takaful Emarat||Comprehensive plans with over 4000 medical facilities in their network|
|Orient Insurance PJSC||Over 15 different comprehensive and basic plans with 5400+ medical facilities and 8600+ pharmacies|
|Abu Dhabi National Insurance Company (ADNIC)||Five choices of health insurance policies with comprehensive as well as essential benefits plans in choice.|
|Watania Health Insurance||Plans with comprehensive benefits and over 7300 pharmacies and 3900+ clinics and hospitals|
|Alliance Insurance||3000+ clinics and hospitals in the network and multiple comprehensive health insurance policies|
|Adamjee Insurance||Over 900 clinics and hospitals with multiple levels of comprehensive health insurance policies|
|Noor Takaful||400+ clinics and hospitals with dental services|
|Daman Health Insurance||Dedicated individual, senior citizen and family health insurance policies with multiple options|
|Your Requirements||Ideal Abu Dhabi Health Insurance|
|Critical illnesses or pre-existing conditions||Critical illness health insurance|
|Complete accidental coverage||Personal accident cover|
|Maternity and pregnancy services||Maternity health insurance policy|
|Cover for the whole family||Family floater plans|
|Cover for your elderly parents||Senior citizen health insurance policy|
|Reimbursement/funds for hospital room||Hospital cash plans|
|Wide coverage||Exclusive, comprehensive Abu Dhabi medical insurance plans|
Buying health insurance policies is quite easy when you have all the resources and information you need. There are two ways you can buy Abu Dhabi health insurance policies – online and offline. Offline purchases are generally conducted with a broker or at a branch of the provider you choose. While online purchases can be conducted from your phone, tablet or laptop. You can buy your Abu Dhabi medical insurance plan from Policybazaar UAE or the provider website.
To buy your medical insurance Abu Dhabi offline, either find a broker or a nearby branch of the provider you choose. If you have a broker, let them know about the insurance plan that you want to buy. Mind that the broker has to be associated with the provider you choose. Once your broker knows the plan, they will initiate the buying procedure. You will have to fill out a few forms and then finalise the purchase. If you want to buy directly from the provider, simply go to the nearest branch in the emirate of Abu Dhabi. You will get assigned a representative there who will carry forward the purchasing process. Note that you can need to do your research about the plan beforehand here. You will not get to research as you go or choose plans more flexibly with offline purchases.
To buy your Abu Dhabi health insurance online, visit either policybazaar.ae or the provider website. The purchasing procedure is pretty much the same for both. When buying your health insurance plan from Policybazaar UAE, you will be required to head to the health insurance page. Fill out the lead form given on the page using your basic personal info. Once you are done with that, a list of the most suitable health insurance plan will appear. Compare on the spot or take your time in doing so. Once you have finalised the plan you want, pick it up and go to the buying portal. Complete the purchase by adding the required information and documents. Make payment and you are done. Insurance documents are forwarded to you in your registered email. The coverage begins in a day or two.
While of course, you have options to buy your health insurance online as well as offline in the emirate of Abu Dhabi, buying your health insurance online comes with several added advantages. Given below are some of the reasons to choose online shopping over offline for your Abu Dhabi insurance for healthcare:
Given below are the eligibility criteria to buy Abu Dhabi medical insurance policies:
Submitting claims against your health insurance plan is quite easy. You can make two kinds of claims for your insurance policies – reimbursement and direct claims. Given below is the complete process for both reimbursement and direct claim process.
The documents you will need for your Abu Dhabi insurance claims depend on the kind of claim you need to make. Given below are two lists of documents for both direct and reimbursement claims:
Direct claims or cashless treatment does not require as many documents as reimbursement claims. You will need a direct claim form to be filled out and submitted at the hospital. The insurance department at the hospital will get approval from your provider and start the treatment. The coverage will be offered as the treatment proceeds.
Health insurance is mandatory for all ex-pats currently present in the UAE. The government has taken a few steps to make it easier for all to find health insurance. As the law states, all employers in the emirate of Abu Dhabi are required to provide their employees with a proper health insurance plan. This rule is applicable in the emirate of Dubai as well. However, employers in the emirate of Abu Dhabi are also required to provide health insurance for dependents of their employees. Up to 4 dependents can be covered at one time. This includes 3 children and 1 spouse of the employees. People can opt for more than one Abu Dhabi medical insurance policy as well. If the employer-provided health insurance does not offer optimum coverage as per your individual needs, you can buy a personal health insurance plan as well.
Yes, as the Abu Dhabi government has established, all employers are required by law to provide their employees with proper health insurance coverage.
Unlike Dubai, dependents of employees in Abu Dhabi also get health insurance coverage from employers in Abu Dhabi. It is mandated by the law.
Depending on the coverage scope of your Abu Dhabi medical insurance, preventive services may be covered. This can include immunisation services like vaccination.
You can make as many claims as you like in the tenure of your plan as long as your assured sum limit allows it.
Yes, many Abu Dhabi medical insurance plans offer maternity coverage. There are even some special plans designed specifically for maternity benefits.
No, NEXTCARE and others mentioned are not insurance companies. These are medical network providers for many of the top Abu Dhabi health insurance companies.
Yes, as a generalised rule for all the emirates, all health insurance policies cover pre-existing conditions. 6 months to 2-year-long waiting period may apply before coverage for pre-existing conditions begins.
Yes, many health insurance providers offer special medical plans for Abu Dhabi residents only. These plans are often even named using ‘Abu Dhabi’ as a part of the name. You can also find specialised plans for Dubai and the northern emirates.
Depending on the coverage, you can find optical and dental coverage in Abu Dhabi medical insurance plans.
Yes, some Abu Dhabi health insurance policies may cover treatment at non-network medical facilities as well.
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