Golden Visa Health Insurance

With exclusive Golden visa insurance plans, you can access a range of tailored healthcare options. In this guide, we’ll explore the top health insurance providers and their benefits, designed specifically for Golden Visa holders in the UAE. 

Let’s get started.

Who are Golden Visa Holders?

Golden Visa holders in the UAE are individuals who are granted long-term residency — usually for 5 to 10 years. This visa is offered to investors, entrepreneurs, specialised talents, researchers, and highly skilled professionals. It also extends to students with exceptional academic performance. 

This program is meant to attract individuals who can contribute to the UAE's growth and development. Unlike regular visas, this visa offers more flexibility such as the ability to live, work, and study in the UAE without the need for a local sponsor. Additionally, it provides holders with the security of long-term residency, which makes it easier for them to plan their future in the UAE.

Requirements for Golden Visa Health Insurance

The general criteria for applying for Golden visa health insurance are given below — 

1. Comprehensive Coverage: The golden visa insurance plan must cover a wide range of medical services, including inpatient and outpatient treatments, surgeries, emergency care, and maternity services.
2. Pre-existing and Chronic Conditions: Health insurance policies must cover pre-existing and chronic conditions after a waiting period as per UAE health insurance regulations.
3. Compliance with Emirate Guidelines: The insurance policy should align with the health regulations of the specific Emirate you reside in. For instance, Golden Visa health insurance Dubai must meet the Dubai Health Authority (DHA) standards. These standards include a minimum coverage limit and the provision for the essential benefits package.
4. International Coverage: It is recommended that Golden Visa holders opt for plans that include international coverage, especially for those who travel frequently.
5. Coverage for Long-Term Residency: The Golden visa health insurance plan should be valid for the entire period of the visa (5 to 10 years) for consistent coverage throughout the residency.
6. Mental Health Services: The Golden visa insurance policy should also include mental health coverage, which is a critical requirement as part of the comprehensive medical insurance for Golden Visa holders.

Health Insurance for Golden Visa Holders Sponsoring Their Dependents

When it comes to Golden visa health insurance, sponsorship plays an important role in determining who is responsible for securing the necessary coverage. Depending on the visa holder's situation, sponsorship can work in two different ways — 

Golden Visa Holders with Sponsors

For Golden Visa holders sponsored by an employer or another entity, the responsibility of providing health insurance generally falls on the sponsor. The sponsor must ensure the Golden visa insurance complies with UAE regulations, including — 

1. Comprehensive Coverage: The sponsor must provide medical insurance for Golden Visa holders that includes a range of medical services like inpatient and outpatient care, emergency services, and maternity benefits.
2. Annual Premiums and Renewals: Sponsors are responsible for covering UAE golden visa health insurance costs. The policy must be renewed annually or as required so that there is no lapse in coverage during the residency period.
3. Family Coverage: In some cases, sponsors may extend the health insurance policy to cover the visa holder’s dependents such as spouses and children. The scope of coverage for dependents will depend on the terms of the sponsorship agreement and the health insurance policy.
4. Compliance with Regulations: Sponsors must ensure that the Golden visa insurance plan complies with the local health authorities such as the Golden Visa health insurance Dubai regulations from the Dubai Health Authority (DHA) or the Abu Dhabi Department of Health (DOH). This includes covering pre-existing conditions, emergency services, and other minimum benefits mandated by the UAE government.

Golden Visa Holders Sponsoring Their Dependents

Golden Visa holders who are self-sponsored or are sponsoring their dependents must secure Golden visa health insurance on their own. In this case — 

1. Responsibility for Health Insurance: If the visa holder sponsors their own visa, they are responsible for purchasing and maintaining health insurance for themselves. The policy must comply with UAE regulations and provide the necessary coverage, including emergency care, maternity services, and coverage for chronic or pre-existing conditions.
2. Sponsoring Family Members: Golden Visa holders can also sponsor their family members, including spouses, children, and, in some cases, parents. When doing so, they are required to extend health insurance coverage to their dependents so that the insurance plan meets the needs of their family members as well. This involves obtaining individual policies for each dependent.
3. Compliance with Emirate Regulations: Like sponsors, self-sponsored Golden Visa holders must confirm that their chosen Golden visa health insurance plan complies with emirate-specific regulations, such as the DHA or DOH guidelines.

Features and Benefits of Golden Visa Health Insurance

Holders of this particular visa enjoy a variety of benefits when it comes to health insurance as these plans are tailored to meet the unique needs of long-term residents. 

Listed below are some key features and benefits of Golden Visa insurance — 

1. Worldwide Coverage: Many Golden Visa insurance plans offer global coverage. This is particularly beneficial for visa holders who frequently travel for business or personal reasons. These policies provide peace of mind knowing that emergency medical treatments and hospitalisations abroad are covered.
2. Maternity Coverage: Health insurance plans for Golden Visa holders include comprehensive maternity benefits. This coverage extends to prenatal care, delivery, and postnatal care. Maternity coverage often includes hospitalisation, doctor consultations, and newborn care. 
3. High Annual Coverage Limit: Medical insurance for Golden Visa holders generally comes with a high annual coverage limit, which covers extensive medical procedures, surgeries, and treatments. This is especially important for individuals or families who may require advanced medical care or treatment for chronic conditions so that costs are manageable without facing out-of-pocket expenses.
4. Wide Healthcare Network: Golden Visa holders gain access to a wide network of hospitals, clinics, and healthcare providers across the UAE. With this feature, they can receive top-tier medical care without any major restrictions. 
5. Additional Benefits: Many insurance providers offer extra benefits such as dental, optical, and wellness programs. These additional features provide comprehensive healthcare for Golden Visa holders, extending beyond just emergency or critical care. Wellness programs may include access to fitness centres, counselling services, and health screenings.
6. Emergency and Ambulance Services: Golden Visa health insurance also covers emergency services, including ambulance transportation, emergency room visits, and intensive care. This ensures that visa holders can receive immediate medical attention in case of accidents or sudden illnesses without worrying about the costs associated with emergency care.
7. No Local Sponsor Required: Unlike many other residents in the UAE, Golden Visa holders don’t need a local sponsor to secure health insurance. They can choose from a wide range of insurance providers and tailor their policies to meet their specific needs.

Top Insurance Companies Providing Health Insurance for Golden Visa Holders

Here are some of the leading insurance companies that offer comprehensive cheapest insurance for Golden visa in the UAE – 

1. Orient Insurance
2. Takaful Emarat
3. Dubai Insurance
4. Salama Insurance
5. Adamjee Insurance
6. Dubai National Insurance
7. Abu Dhabi National Insurance (ADNIC)
8. Cigna Insurance

Golden Visa Health Insurance Cost in the UAE

UAE Golden visa health insurance cost starts from around AED 917 yearly and can increase depending on the type of coverage selected. Factors such as additional benefits, international coverage, and pre-existing conditions will influence the Golden visa insurance cost.

Some key factors affecting the premium include — 

1. Type of Coverage: Comprehensive plans with extensive coverage (including international care, maternity benefits, and coverage for pre-existing conditions) tend to have higher Golden visa insurance cost compared to basic plans that offer essential medical services.
2. Age of the Insured: Older visa holders generally face higher premiums due to increased health risks.
3. Health Condition: Pre-existing conditions or chronic illnesses may increase the premium, especially for plans that cover these conditions after a waiting period.
4. Network of Hospitals and Clinics: Plans that offer access to a wider network of healthcare providers usually come at a higher cost.
5. Geographical Coverage: Plans that provide international coverage are more expensive than those limited to the UAE.

Your Golden Visa, Your Health — Get Comprehensive Coverage Today!

It is important for Golden Visa holders to have Golden visa insurance that provides comprehensive protection, giving access to quality healthcare whenever needed. With the right plan, you are covered for emergencies, routine check-ups, and even international medical care. 

Don’t wait until it’s too late — get your Golden Visa health insurance today and protect yourself and your family! 

You can easily buy health insurance through Policybazaar.ae, where you can compare plans from top providers, customise coverage options, and get the best rates. Visit the ‘health insurance’ section to find the perfect plan tailored to your needs!

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