Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Takaful Emarat
Plan NameECARE BLUE
Medical Cover (AED)150,000
Starting FromAED 5,391/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
HAYAH Insurance
Plan NameBlue
Medical Cover (AED)150,000
Starting FromAED 5,739/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Blue
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Insurance
Plan NameHealth Plus - Plan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,553/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Cigna
Plan NameHealthguard Regional
Medical Cover (AED)2,750,000
Starting FromAED 35,608/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
General
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
GIG Gulf (Previously AXA)
Plan NameGlobal
Medical Cover (AED)7,500,000
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Fidelity United
Plan NameHealth First Plan G
Medical Cover (AED)500,000
Starting FromAED 5,083/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP C/RN3
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Dubai Insurance
Plan NameDubaiCare Next N5
Medical Cover (AED)1,000,000
Starting FromAED 6,097/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Takaful Insurance
Plan NamePlan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,553/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
RAK Insurance
Plan NameNextcare RN3
Medical Cover (AED)1,000,000
Starting FromAED 6,787/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Plan NameEssential
Medical Cover (AED)150,000
Starting FromAED 7,350/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Adamjee
Plan NameSilk Road
Medical Cover (AED)1,000,000
Starting FromAED 10,245/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Watania Takaful (Previously Noor Takaful)
Plan NameNAS NRICare Plan 6
Medical Cover (AED)1,000,000
Starting FromAED 11,058/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Insurance (Prev. Oman Insurance)
Plan NameSafe
Medical Cover (AED)150,000
Starting FromAED 11,325/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Vital Network
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Abu Dhabi National Insurance Company
Plan NameBronze
Medical Cover (AED)250,000
Starting FromAED 17,993/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Allianz
Plan NameSelect Pearl (Comprehensive excl CCAD network)
Medical Cover (AED)6,426,800
Starting FromAED 69,491/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
The UAE is leading the charge in modernising its healthcare sector by adapting innovative technologies. At the heart of this transformation is telemedicine—a beacon of hope for many. Imagine being able to consult with a doctor without leaving the comfort of your home, especially when access to healthcare can be a challenge for some.
Telemedicine offers numerous benefits, including improved access to healthcare for remote and neglected communities, reduced travel time and costs for patients, and enhanced management of chronic conditions through regular virtual consultations. As the UAE propels its healthcare sector into the future, telemedicine is at the forefront, transforming the patient experience and ensuring top-tier medical care is just a click away.
Telemedicine involves using digital information and communication technologies, such as computers and mobile devices, to access healthcare services remotely. In simple terms, you can consult with doctors without needing to visit a clinic or hospital physically. This service is especially beneficial in enhancing access to healthcare for individuals in remote areas, managing chronic conditions, and providing timely medical advice.
How is Telemedicine Helping in the Growth of the UAE Healthcare Sector?
The concept of telemedicine dates back to the early 20th century, when radios were used to provide medical assistance in remote areas. The first significant use of telemedicine was in psychiatric consultations through closed-circuit TV. Over the years, technological advancements have transformed telemedicine into a comprehensive service, including virtual consultations, remote monitoring, and tele-radiology.
The COVID-19 pandemic acted as a catalyst for the widespread adoption of telemedicine in the UAE, accelerating its adoption and integration into everyday healthcare. It minimised the need for physical interactions between patients and healthcare providers, reducing the risk of spreading infections. This shift helps in the continuity of healthcare services and highlights the importance of remote healthcare solutions.
Features and Benefits of the Telemedicine Sector in the UAE
Telemedicine in the UAE has evolved significantly, offering numerous features and benefits that improve the healthcare experience for both patients and providers -
AI-Driven Diagnostic Tools: Telemedicine platforms in the UAE are equipped with advanced AI tools that assist in examining symptoms. These tools analyse patient data to provide preliminary diagnoses and suggest further medical consultations if needed.
Virtual Consultations: Patients can book and manage appointments for virtual consultations via voice, video calls, or text. This offers real-time interaction with healthcare providers, making it easier for patients to receive medical advice and treatment plans without physical visits.
Remote Monitoring: Telemedicine platforms support remote monitoring of chronic conditions. Patients use devices to collect and transmit health data (e.g., blood pressure, glucose levels) to their healthcare providers.
Multilingual Support: In the UAE telemedicine services offer consultations in several languages including Arabic, English, Chinese, German, French, Indonesian, Russian, and various Indian languages.
Prescription and Logistics Services: Patients can request and manage prescriptions online through telemedicine platforms including arranging for medication delivery to the patient's location.
Enhanced Communication and Awareness: Telemedicine platforms also serve as a medium to raise awareness about preventive health practices and communicate best practices to the community.
Is Telemedicine Included in Health Insurance Plans?
In the UAE, telemedicine services are increasingly covered by health insurance plans.
Health insurance providers, including those regulated by the Dubai Health Authority (DHA) and the Department of Health Abu Dhabi (DoH), have adapted their policies to include telemedicine consultations helping patients to access virtual medical services without additional out-of-pocket expenses.
What Does Telemedicine Include?
Telemedicine encompasses a variety of services to provide comprehensive remote medical care, including:
Virtual Consultations: Patients can engage in live video calls with their healthcare providers. This allows for real-time interaction, diagnosis, and treatment planning, making healthcare more accessible and convenient.
Remote Monitoring: This involves the use of devices that collect and transmit patient data (e.g., blood pressure, glucose levels) to healthcare providers. This helps in continuous monitoring of chronic conditions.
Teleradiology: Radiologists can review and interpret medical images (X-rays, MRIs, CT scans) sent electronically from different locations.
Telepharmacy: Patients can consult pharmacists via telemedicine platforms to discuss their medications, get advice on dosage, and manage prescriptions, which helps in improving medication adherence and safety.
Telepsychology: Mental health services are provided through telemedicine, helping patients to receive counselling and therapy sessions remotely.
Emergency Telemedicine: During emergencies, telemedicine can facilitate quick consultations with specialists, guiding first responders and improving patient outcomes.
Standards and Guidelines for Telemedicine by DHA and DOH
Dubai Health Authority (DHA)
The Dubai Health Authority (DHA) has established comprehensive standards and guidelines for effective and safe telemedicine services. Here are its key aspects:
Telehealth Policy: This policy provides a regulatory framework for telemedicine services so that they are safe, secure, and patient-centric.
Clinical Guidelines: DHA has developed specific clinical guidelines for various medical conditions, such as virtual management of sinusitis, asthma, and diabetes to maintain high-quality care during virtual consultations.
Department of Health Abu Dhabi (DOH)
The Department of Health Abu Dhabi (DOH) has established stringent standards for telemedicine -
Telemedicine Standards: These standards cover both synchronous (real-time) and asynchronous (store-and-forward) telemedicine services, ensuring adherence to high-quality care and patient safety.
Remote Healthcare Platform: DOH platform includes AI-driven tools for symptom examination, virtual consultation booking systems, and online prescription services.
Telemedicine Initiatives in the UAE
The UAE has launched several key telemedicine initiatives to improve healthcare accessibility and efficiency -
Metaverse-Based Telemedicine: The Emirates Health Services (EHS) has introduced a Metaverse-based virtual telemedicine solution using 3D virtual reality technology. With the help of this initiative, patients can access medical consultations and other health services through an immersive virtual environment. Users can interact with healthcare professionals, access psychiatric consultations, family health promotion clinics, and customer happiness centres through their smart devices.
Doctor for Every Citizen: The "Doctor for Every Citizen" initiative by the Dubai Health Authority (DHA) provides every UAE resident with access to a physician through telemedicine. Patients can receive medical consultations via video calls, which helps manage chronic diseases, get routine check-ups, and seek timely medical advice without needing to visit a healthcare facility in person.
DOH Remote Care App: The Department of Health Abu Dhabi (DoH) has launched the Remote Care App to facilitate virtual healthcare services. This app allows users to book and manage appointments, conduct video consultations, and receive medical prescriptions online. It integrates AI-driven diagnostic tools and supports real-time communication with healthcare providers as part of DoH’s strategy to incorporate digital technologies into healthcare.
What are the eligibility criteria for using telemedicine services in the UAE?
Telemedicine services in the UAE are available to all residents. Patients need a stable internet connection and a device such as a smartphone, tablet, or computer with a camera and microphone to participate in virtual consultations. Some platforms may require registration through a healthcare provider or insurance company.
How secure are telemedicine consultations in the UAE?
Telemedicine consultations in the UAE are highly secure. The UAE's telemedicine services comply with strict data protection regulations, such as the General Data Protection Regulation (GDPR) and Health Insurance Portability and Accountability Act (HIPAA) standards.
Can I get a prescription through a telemedicine consultation in the UAE?
Yes, patients can receive prescriptions through telemedicine consultations. Doctors can electronically send prescriptions to pharmacies, where patients can then pick up their medications or opt for home delivery services.
What types of medical conditions can be managed through telemedicine?
Telemedicine can manage a wide range of medical conditions, including chronic diseases like diabetes and hypertension, mental health issues, skin conditions, minor infections, and follow-up care post-surgery. However, emergency conditions and severe cases requiring physical examination are not suitable for telemedicine and should be addressed in person at a healthcare facility.
Are telemedicine services covered by health insurance in the UAE?
Most health insurance providers in the UAE cover telemedicine services. This includes consultations, follow-up visits, and certain diagnostic services. Patients should check with their insurance providers for specific coverage details and any co-payment requirements.
How do I access telemedicine services if I am travelling outside the UAE?
UAE residents travelling abroad can still access telemedicine services if they have internet connectivity. Many UAE telemedicine platforms are designed to be accessible globally. It is advisable to check with the service provider regarding any international usage limitations.
Can telemedicine be used for specialist consultations in the UAE?
Yes, telemedicine can be used for specialist consultations. Patients can consult with specialists across various fields, including dermatology, cardiology, psychiatry, and more.
She brings over 4 years of experience writing in the finance and insurance space. Her goal is to simplify health insurance jargon, making it easy for readers to understand, compare and choose the right coverage with confidence.
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