The UAE healthcare sector has undergone significant transformation and growth over the past few decades, which has led to the development of a world-class healthcare system. The country has a well-developed network of medical facilities and healthcare centres staffed by experienced and highly ...read more
As the UAE continues to develop and expand its healthcare system, the importance of health insurance programmes is becoming increasingly apparent. Several types of health insurance programmes are available - both private and government-funded ones.
Among several government-funded health insurance programmes, Thiqa is considered to be one of the most comprehensive programmes. In the following article, we will extensively cover the key details about the Thiqa programme, the coverage options, eligibility requirements, and other related aspects.
One of the comprehensive healthcare programmes, Thiqa is offered by the Government of Abu Dhabi to UAE nationals and non-UAE national family members as per the eligibility criteria. Thiqa was established in 2008 and is managed by Daman, a top-notch health insurance provider in the UAE.
Without further ado, let's take a look at the salient features and key advantages of the Thiqa programme in Abu Dhabi –
As previously mentioned, the Thiqa health insurance programme offers a wide range of medical services so that you get access to healthcare services when you need them. Given below is the list of coverages provided by the Thiqa health insurance programmes –
In order to qualify for the Thiqa health insurance programme, you should meet the following eligibility criteria-
A few points are to be kept in mind regarding the eligibility criteria for the Thiqa health programme. The central point to proceed with the application here is that you will be required to take up a Weqaya screening test.
You can avail of Thiqa health insurance programme benefits for free if you are eligible as per the criteria discussed earlier.
You can avail of the services provided by the Thiqa healthcare programme via three channels – Thiqa.ae or Thiqa mobile application, Hayakom, and branches.
Given below are the finer details of each of the channels –
With the online services and mobile application of the Thiqa program, you can avail of a wide range of services like the easy renewal of policies, enrollment of new family members, searching for hospitals and clinics within the network, submission of reimbursement claims, and access to various other features.
The smart branch of the Thiqa program offers all the services available at a traditional Thiqa branch but with an innovative approach that relies on an advanced appointment system. Through this system, members can select a suitable time to virtually meet with a Thiqa representative and access a range of services.
The smart branch also enables the electronic sharing of documents and discussion of policies with a customer advisor, providing the same facilities as an in-person visit to a branch.
Currently, Thiqa members can visit any of the three exclusive branches in Abu Dhabi, Al Ain, and Al Dhafra to solve their queries or address any concerns.
Note: Currently, the branches are only open to cater to emergency cases. Visitors are required to provide a negative PCR test with a validity period of 3 days as a safety precaution for members and employees.
The Thiqa health insurance reimbursement claim procedure is a simple process that can be initiated by members who have incurred medical expenses outside the Thiqa network. To start the reimbursement claim, members are required to keep the stack of medical documents ready and invoices of bills or other related expenses. It is to be noted that the insured individual has to submit the claim procedure within 180 days of receiving the medical treatment.
Documents Required for Thiqa Reimbursement Claim Process
Keep the following points in mind while applying for a Thiqa reimbursement claim –
For a few more details about the Thiqa health insurance programme, refer to the next section of the article.
Q1. How can I get the list of benefits of my Thiqa health insurance coverage?
Ans: You can check the coverage of your Thiqa health insurance policy via online services like Thiq.ae or Thiqa mobile application. As an alternative, you can reach out to customer care by dialling 800 480 000 to address your queries.
Q2. What documents are required at the time of enrolling in the Thiqa health insurance programme?
Ans: You may be required to present your Emirates ID, family book, and other documents as per eligibility requirements.
Q3. Does Thiqa health insurance provide worldwide coverage?
Ans: Some Thiqa health insurance policies provide medical emergency coverage worldwide. To extend the coverage, you can buy 'Musafer’.
Q4. Are Emirates ID and Thiqa health insurance linked?
Ans: No, Emirates ID and Thiqa health insurance policies are not linked. However, medical facilities may reject your application if your Emirates ID card has expired.
Q5. What is Thiqa's health insurance number?
Ans: The Thiqa health insurance program in the United Arab Emirates (UAE) issues its members a 12-digit health insurance policy number. This number serves as a unique identifier for each member and is used by them to access their Thiqa coverage, including medical services and reimbursement claims. Members can find their Thiqa policy number on their health insurance card or by logging into their Thiqa account through the program's website or mobile application.