Medical coverage for everyone in Abu Dhabi (Thiqa)

Health Insurance
Explore best health plans
for you and your family

Valid on select insurers. T&C apply *

  • Worldwide Coverage
  • Covid-19 Covered
  • Claim Assistance
Buying health insurance for?
  • Self/Family
  • Domestic Workers
  • Investor

The Thiqa programme is a state health insurance programme provided by the Abu Dhabi government to ensure comprehensive medical protection for the UAE nationals living in the UAE. Under this programme, the government provides a Thiqa card that provides the Emiratis with access to a large number of private and public healthcare facilities (both clinics and hospitals) present on the Daman Health Insurance Company’s network. 

This is one of the most affordable health insurance programmes in the UAE and allows members to access Thiqa’s digital service platforms 24-by-7. To apply for the Thiqa Programme, an individual must possess an Emirates ID and fall in the age group of 18 to 75 years. The applicants would also need to undergo Weqaya screening, an initiative by the Department of Health - Abu Dhabi, where they undergo a health check-up to detect any cardiovascular risk factors as well. 

To understand more about the eligibility criteria to avail of the Thiqa card and the benefits of the programme, continue reading further. 

Eligibility Criteria for Thiqa Card

To qualify for Thiqa card registration, the applicant must be -

  • A UAE national within the age group of 18 to 75 years
  • An individual who has Emirates ID
  • Anyone who passes the Weqaya screening

Use of Emirates ID to Obtain a Medical Cover

Emirates ID has become the official way to claim medical cover in Abu Dhabi since 2017. While a Thiqa card was offered earlier to enable the individuals to file claims, all the data has been included in the Emirates ID since 2017. 

The following scenarios explain the role of Emirates ID in claiming cover -

  1. Emirates ID proves resourceful when you face an international medical emergency, as the Daman Health Insurance company has collaborated with several hospitals abroad. Individuals covered under the plan can make a call on the International Thiqa Emergency Assistance Line, which is +1-609-275-4999. 
  2. The expiry of your Emirates ID does not affect your Thiqa programme coverage. However, there are chances that hospitals and clinics in the UAE may reject your hospitalisation. 
  3. Emirates ID is essential to claim medical cover. In case you lose your ID, you should consider using the official website (thiqa.ae) or the Thiqa app to access the programme details and the Thiqa Digital Card. If you have your Emirates ID number or a duplicate, your insurance provider can check whether you qualify for the coverage or not. However, you would need to carry other proof of identification in such situations. 

Health insurance offer banner

How to Access Services Provided under Thiqa Programme?

There are three ways in which you can register and access the Thiqa services in the UAE -

  • Thiqa.ae or Thiqa App - You can claim a cover at any healthcare facility provided you have your Emirates ID and installed the Thiqa app on your mobile phone. You can register to the mobile application using the policy number, and the application will maintain a record of details like Emirates ID, coverage details, benefits, and plans. All these details will come in handy during emergencies. 
  • Hayakom - Thiqa Smart Branch - This smart branch lets you connect with a Thiqa representative virtually by booking an appointment in advance. You can share your documents electronically and learn more about the policies available. 
  • In-person Visits - You can visit any of the Daman branches in Abu Dhabi, Al Ain, and Al Dafra to understand more about the programme. 

Benefits of Thiqa

The following are the key benefits of the Thiqa programme -

Inpatient Benefits

  • Day surgery
  • Home nursing and long-term nursing
  • Accommodation for the parent or an accompanying individual as told by the treating doctor
  • Fees for consultation, surgery, and anaesthetics 
  • Hospital room and other services (private room)

Outpatient Benefits

  • Consultation fee for the general physician
  • Tests like CT, MRI, and PET as suggested by the specialist
  • Pharmaceuticals
  • X-ray, diagnostic tests, and laboratory tests
  • Consultation charges for the dieticians
  • Use of medical equipment
  • Physiotherapy 
  • Outpatient psychiatric treatment

Maternity Benefits

  • Inpatient facilities
  • Outpatient services

Other Benefits Provided

  • Repatriation of the insured or the family member via the assigned emergency assistance provider
  • Infertility treatment (up to thrice a year)
  • Emergency treatment
  • Global medical emergency assistance 
  • Rehabilitation
  • Dental treatment
  • Medical examination

Check out the following sections to know more about the benefits available for different categories of users -

UAE Nationals from Abu Dhabi

  • Complete medical coverage in the public and private hospitals in the network
  • Emergency treatment in the UAE
  • No annual limit for benefits per member

UAE Nationals from the Other Emirates Residing in Abu Dhabi (students or professionals)

  • Complete medical coverage in the public and private hospitals in the network
  • Emergency treatment in the UAE
  • No annual limit for benefits per member

UAE Nationals from the Other Emirates, not Residing in Abu Dhabi

  • Complete medical coverage in the public hospitals in the network
  • No annual limit for benefits per member
  • Emergency treatment in the UAE

A Non-national Financed by a UAE National Family

  • Emergency treatment in the UAE
  • Complete medical coverage in the public hospitals in the network
  • No annual limit for benefits per member

Health insurance offer banner

Documents Required to Enrol in the Thiqa Programme

The following are the documents necessary to secure Thiqa -

  • Emirates ID
  • Valid Family Book
  • Passport
  • Passport Size Photographs

Co-Payment in Thiqa 

A co-payment is a minor portion of the hospital bill to be paid by the policyholder to the insurance provider. Earlier, policyholders were responsible for 20% of the overall cost of medical care. However, the government cut it in half in 2017, i.e., to 10%. Thus, only 10% of the hospital costs must be paid by the insured currently.

Applying for Thiqa

If you plan to apply for Thiqa at a branch offline, you should carry documents like Emirates ID and other paperwork. You can even enrol in the programme via the virtual branch called Hayakom or online portals like Thiqa.ae or Thiqa application.  

For the other part, you can find Weqaya screening test locations throughout Abu Dhabi. The testing facility is available in various Abu Dhabi hospitals and clinics. To locate the closest centre, you can visit the Thiqa website and search for the same. On finding a branch, you can bring the necessary documents and complete your tests.

KEY TAKEAWAYS

  • The Abu Dhabi government offers the Thiqa Policy, a state health care programme, to ensure complete medical protection for UAE residents residing in the UAE. In accordance with this scheme, the government issues Emirati citizens a Thiqa card that grants them access to a sizable number of both public and private healthcare institutions (including hospitals and clinics) that are part of the Daman Health Insurance UAE Company's network.
  • UAE citizens between the ages of 18 and 75, who hold an Emirates ID and pass the Weqaya screening are eligible to register for a Thiqa card. Weqaya screening is a service of the Abu Dhabi Department of Health where a health examination is performed to identify any risk of cardiovascular disease.
  • Before 2017, a Thiqa card was issued using which individuals could file claims. However, the Emirates ID has become the official source to claim medical cover in Abu Dhabi since then. Since 2017, all the relevant information has been included in the Emirates ID. 
  • To claim medical coverage, you must have an Emirates ID. However, if you lose your ID, you may think about utilising Thiqa.ae or the Thiqa mobile app to access the Thiqa programme data and the Thiqa Card Digital. Your insurance company can verify your eligibility for coverage if you have your Emirates ID identification number or a duplicate. However, in these circumstances, you should also have identification proof with you.
  • If you have your Emirates ID and the Thiqa app installed on your phone, you can claim a cover at any medical facility. Using the insurance number, you may sign up for the mobile application. The programme will keep track of all the relevant information related to your Emirates ID, coverage information, benefits, and plans. 
  • You can visit any of Daman’s branches in Abu Dhabi, Al Ain, and Al Dafra to understand more about the programme.
  • Some of the benefits of registering for Thiqa are cover for Hospital room and other services (private room), home nursing and long-term nursing, consultation fees, surgery, day surgery, diagnostic tests, physiotherapy, accommodation for the attendee, repatriation in international cases, emergency medical assistance, dental treatment, and infertility treatment for thrice in a year. 
  • To apply for the Thiqa programme, you would be required to submit a copy of your Emirates ID, valid family book, Passport, and passport size photographs.

Policybazaar UAE – Helping you navigate the wilderness of the insurance world!

Important Articles Related Health Insurance

How to Check Medical Insurance Status with Emirates ID Top 10 Health Insurance Companies
A to Z of Getting a Health Card in UAE Can You Buy Health Insurance for New Born Baby in UAE?
Where Can I Get Medical Help Without Having Health Insurance? Health Insurance for Dependents in Dubai
5 Best Health Insurance Plans in UAE for 2022 Is IVF covered by Health Insurance
Children Health Insurance How to Renew Daman Health Insurance Online?
Health Insurance Claim Settlement Delmicron – What is it and How is it Different from Omicron?
Dos and Don’ts of recovering from COVID-19 Free Annual Health Check-up - What is it and How you can get one?
More From Health Insurance
Recents ArticlesPopular Articles