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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.
To qualify for Thiqa card registration, the applicant must be -
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 -
There are three ways in which you can register and access the Thiqa services in the UAE -
The following are the key benefits of the Thiqa programme -
The following are the documents necessary to secure 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.
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