Health Insurance Options for Salary Under AED 5000

The UAE puts significant emphasis on health insurance, irrespective of the individual’s income. Owing to the laws in the country, it is mandatory for employers to financially secure all workers against accidents, hazards, chronic illnesses, and other such ailments. These laws are indeed beneficial, as several excellent health insurance plan providers offer affordable health insurance the UAE. Having a plan from any of these providers ensures critical financial assistance in times of emergency.

However, even though insurance by the employer firm is mandatory, individuals often prefer to go for individual health insurance along with the group health insurance offered by the company. While most individual health insurance plans in the UAE are affordable, several plans may still prove expensive for individuals. However, with several health insurance options in the UAE, even individuals with low salaries can secure plans as per their requirements. 

This article seeks to share the different types of health insurance options available for people with monthly salaries below AED 5,000. Continue reading below to know more about these plans and how one can avail of them.

Definition of Low Salaried People in the UAE

In the UAE, any individual working at a salary below AED 5,000 per month is considered a low salaried employee. This classification often includes unskilled workers who turn to the Gulf in search of a source of living. They often end up working at manufacturing units or employed as domestic helps to make ends meet. 

Benefits of Health Insurance Options for People with Salary Below AED 5,000

As per surveys, about 95% of the UAE’s population is aware of the significance of health insurance. However, only 37% of them are covered under employer-sponsored health insurance plans, with the rest spending from their own pocket when it comes to paying their medical bills. Despite the awareness about insurance, the majority of the populace including the low-salaried individuals lack an insurance plan. 

It is important to understand that no matter what you earn, health cannot be simply ignored. Moreover, with several medical treatment procedures being costly, having the support of insurance in any medical emergency is immensely invaluable.

The following is the breakdown of affordable health insurance in UAE one can avail of while earning less than AED 5,000 a month. 

1. Daman Health Insurance Abu Dhabi Basic Plan

• The minimum monthly premium to be paid is AED 600
• Maximum annual coverage of AED 250,000 
• Assistance in case of any medical emergency extended across the UAE
• Flexibility in the duration of premium payment
• Major illnesses covered
• To purchase the plan, one needs to carry a salary certificate.

2. RAK Essential Medical Insurance

• Minimum monthly premium of AED 499
• Coverage of up to AED 50,000 per annum
• The plan includes both in-patient and out-patient cover
• Cover for up to 6 physiotherapy sessions per year
• Pharmacy limit of AED 1,500
• Covers maternity services and accompanying visitor costs (for children till the age of 16 years, the cover is AED 100 per night)
• Infant services (up to one month since the date of birth)
• Coverage for vaccinations and inoculations
• Precautionary checks like screening tests for diabetes also covered 
• Compensation for emergency dental health, vision, and hearing procedure
• Option to convert it into a joint policy if required 
• The plan also covers already-existing diseases among policyholders under certain conditions 

3. Dubai First Health Insurance

• Minimum monthly insurance premium of AED 96 - among the most affordable in Dubai
• Offers health coverage of up to AED 100,000
• Option to avail of cover/ compensation for health emergency across the UAE
• Adjustable premium payment duration
• Coverage for a majority of chronic and severe diseases 

4. Emirates NBD Futura

• Offers cover of up to AED 3.6 million (US$1 million)
• Can be bought either as a single policy or a joint policy
• Flexibility in premium payment (can be done lump-sum premium yearly or once every month) 

5. Orient E-Med Insurance

• Maximum annual coverage of up to AED 150,000
• The plan covers the policyholder against dental emergencies, hearing, and vision treatments 
• Offers cover against pre-existing and chronic diseases
• Other inclusions are Laboratory tests, up to 6 physiotherapy sessions per year, radiology diagnostic tests, treatments related to surgeries, and so on
• Pharmacy limit: AED 1,500 per annum
• Provides cover for vaccination and other preventive services 

6. Oman Health Insurance

• Affordable plans starting from AED 560 monthly premium
• This basic plan can be used for both domestic help and one’s family
• Maximum coverage of AED 150,000
• Offers a 20% co-payment option for patient accommodation in the hospital
• Includes costs incurred during OB-GYN procedures during the inpatient maternity
• Covers accommodation charges for accompanying visitors up to the age of 16 years for AED 100 per night. 
• Out-patient services include- regular check-ups, diagnostics, lab tests with 20% co-payments, pharmacy expenses, diagnostic imaging tests with 20% co-payment, and physiotherapy sessions with 20% co-payments
• Treatment at numerous medical facilities, clinics, and hospitals available on Orient’s 14 different types of networks 

7. Union Health Insurance

• This health insurance company offers an Essential Benefits Plan (EBP) for domestic help and employees with a salary of less than AED 4,000 per month. The EBP allows such individuals to purchase a basic health insurance plan in Dubai at AED 525.
• Some features included in these health insurance plans are:

• Cover for both in-patient and out-patient services
• Maternity services and coverage for the newborns
• Mandatory vaccinations and inoculations for toddlers and infants as specified by the Dubai Health Authority covered
• Coverage for major chronic diseases
• Annual Cover Limit of AED 150,000

Besides the health insurance options, Essential Benefits Plan or EBP is another sought-after plan created mainly for low salaried individuals. This plan is primarily for individuals earning less than AED 4,000 per month. With premiums generally ranging between AED 550 and AED 650, these plans offer protection in case of health emergencies, tests, maternity, treatments, and in-patient and out-patient treatments. 

A general EBP tends to offer:

• Annual Claim of AED 150,000
• Urgent treatment within the UAE
• Inclusion for chronic or pre-existing diseases begins after 6 months from the start of the policy 
• Pharmacy Limit: AED 1,500 with 30% co-payment for each prescription 
• Outpatient antenatal facilities like blood tests, pre-delivery visitations, and ultrasounds also included in several EBPs
• 30 days of newborn coverage – provides cover for tests and screenings

Documents Mandatory for Purchasing the Health Insurance Plan in Dubai

Following are the documents necessary for buying an affordable health insurance in UAE, applicable as per the nationality:

• Residential Visa
• Emirates ID
• Passport (both original and a photocopy)
• Passport-size photographs
• Address Proof
• Details of family doctor and medical history
• Proof of Age
• Salary Certificate

At a Glimpse

Health Insurance is a fundamental need for working people in the UAE. Whether an individual has a high income or low, having a health insurance option provides them with protection against occupational hazards and injuries in the form of financial assistance. While the majority of the UAE is aware of the features and benefits of a health insurance plan, only a minor fraction of the population is able to avail of it. 

However, while it may appear that people falling in the low-salaried category have an absence of options, there are several insurance providers offering affordable health insurance in the UAE for people with a monthly income of less than AED 5000. Moreover, another important plan discussed is the Essential Benefits Plan which is designed for people with a salary of less than AED 4000. This type of insurance plan is provided by several leading insurance providers in the UAE.

When applying for the affordable health insurance in UAE, the individual must carry documents including identification proof, passport, address proof, salary certificate, and details of the family doctor to verify their medical history. 

Compare (and Buy) Health Insurance with Us

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