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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.
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.
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
3. Dubai First Health Insurance
4. Emirates NBD Futura
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:
Following are the documents necessary for buying an affordable health insurance in UAE, applicable as per the nationality:
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.
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