How to Check Medical Insurance Status with Emirates ID?

Step by Step Guide to Check Medical Insurance Status with Emirates ID

Here's a step-by-step guide to checking your medical insurance status using your Emirates ID through different methods : 
 

In this comprehensive guide, we'll take you through the steps to help you check your health insurance status using your Emirates ID.

Checking Medical Insurance Status Using Emirates ID on DHA Portal - Enaya

Step 1: Visit the official Dubai Health Authority website and navigate to the ‘Insurance Card Validation’ section.
Step 2: Enter your Emirates ID number along with the captcha code.
Step 3: Click on ‘Submit’ to view your medical insurance details. You will instantly see information such as your insurer’s name, policy number, network tier, and policy expiry date.
Step 4: You can download or print the PDF summary for future use.

Checking Medical Insurance Status Online with Abu Dhabi Department of Health (DoH)

Step 1: Visit the Daman Insurance website and select the ‘Check Coverage’ option.

Step 2: Enter your Emirates ID number or Unified Number (UID).

Step 3: Click on ‘Search’ to view your policy status, co-payment details, and any dependents covered under your plan. This option is particularly helpful for individuals enrolled in SEHA or Daman Enhanced health plans.

Checking Medical Insurance Status Using Emirates ID with MOHAP Smart App (For Northern Emirates)

Step 1: Download the ‘MOHAP’ app from the Apple App Store or the Google Play Store.

Step 2: Sign up or log in using your UAE Pass credentials.

Step 3: Under the ‘Insurance Services’ section, select the ‘Verify Policy’ option.

Step 4: Scan the QR code on your Emirates ID. Alternatively, enter the number manually to access your insurance information.

Checking Medical Insurance Status with Emirates ID Online Using Insurer’s Website

Step 1: Visit the online website of your insurance provider or download their app.

Step 2: Search for the ‘Check Insurance Status’ or ‘View My Policy’ option.

Step 3: Enter your Emirates ID number.

Step 4: You will see your medical insurance status and other relevant details.

Checking Medical Insurance Status with Emirates ID Using Mobile App

Step 1:  Go to your device’s app store and download the app from your insurance provider.

Step 2: Open the app and log in using your Emirates ID number. You may need to set up an account or log in if you have previously registered.

Step 3: Look for sections like ‘Insurance Status,’ ‘Coverage Details,’ or similar options.

Step 4: Access and review your medical insurance status and coverage information.

Checking Medical Insurance Status with Emirates ID Through Insurer’s Customer Service Call Centre

Step 1: You can also call your insurance provider’s customer service hotline. 

Step 2: Provide your Emirates ID number, and their representative will assist you with your health insurance details.

Step 3: Take note of any relevant information or instructions given by the representative.

‘Inactive’ Medical Insurance Status? Here’s What You Can Do

Note that showing an inactive medical insurance status does not indicate that you’re uninsured. There could be other possible reasons, including —

• A typo or mismatched information in your Emirates ID 
• Insurance policy cancellation due to non-payment of premium 
• The system may take up to 72 hours if you’ve recently renewed your policy
• Policy renewal in progress
• Cancellation of visa 
• Recent job switch, where your employer may not have uploaded the new group policy

If you’re doing a medical insurance check with Emirates ID and the status is inactive, take the following steps instantly —

• Contact your insurer for confirmation of your Emirates ID.
• Request the authority to manually update your insurance records on portals such as MOHAP, DOH, and DHA 
• In case your policy has expired, renew it in 30 days instantly through Policybazaar.ae’s digital platform

Health Insurance Companies Offering Medical Insurance Status Check with Emirates ID

Several medical insurance companies in the UAE provide the feature to check your health insurance status using your Emirates ID.

These companies include — 

1. Daman
2. Takaful Emarat
3. Sukoon Insurance
4. RAK Insurance
5. Orient Insurance
6. Noor Takaful

Note: This list is not exhaustive. Many other medical insurance companies in the UAE now offer the option to check your medical insurance status with your Emirates ID.

How Your Health Insurance is Linked with Emirates ID?

Since 2017, the UAE has been linking health insurance plans to Emirates IDs as part of the government’s efforts to digitise and simplify services. This means that when you visit a hospital or clinic, your Emirates ID can be used to access your health insurance information. Healthcare providers across the country are equipped with card readers that can instantly retrieve your insurance details, including coverage benefits and health insurance policy status. 

Process for Linking Health Insurance with Your Emirates ID

Here is a step-by-step guide to link your health insurance with your Emirates ID:

1. Apply for an Emirates ID: Begin by applying for an Emirates ID. Once your application is submitted, you will receive an Emirates ID application form. This form is essential for the next steps​.
2. Get the Health Insurance Policy: Use your Emirates ID application form to apply for a health insurance policy. Most insurance providers require this form to initiate your coverage​. 
3. Receive a Health Coverage Certificate: Once your health insurance application is approved, the insurance provider will issue a health coverage certificate. This certificate is vital to completing the visa process. 
4. Link Your Policy to Emirates ID: After your visa is stamped and you receive your Emirates ID, you need to link your health insurance policy to your Emirates ID. This is done by emailing your policy number and Emirates ID number to your insurance provider​.
5. Electronic Linking: The insurance provider will electronically link your health insurance policy to your Emirates ID. From this point on, your Emirates ID will serve as your health insurance card, and you can use it at any healthcare facility. 

What are the Key Benefits of Emirates ID?

Did you know that your Emirates ID is not only useful for health coverage checks but also offers several perks? Here are just a few — 

• You can make cashless payments in certain public hospitals
• Fast-track eGate access at Dubai airports 
• Access to several educational and government housing privileges 
• Digital signature through UAE Pass

Keep Your UAE Health Insurance Active — Key Points to Remember

Now that you know why your health coverage status might be inactive, we have provided you with a few recommendations to keep it active —

• Always keep your personal details — contact number, email, and others — updated 
• It is advisable to set up automatic alerts 30 days before policy renewal 
• Pay your premiums on time — your provider may suspend your policy within a short grace period of 15 days
• Keep an annual check on your network hospitals to check for any amendments
• Make sure to add your newborn within a period of 30 days

Can I Use my Emirates ID As a Medical Insurance Card?

Yes, you can replace your medical insurance card with your Emirates ID. It is now a widely accepted practice across hospitals, clinics, and pharmacies in the UAE. Healthcare providers use Emirates ID card readers to quickly assess your insurance status and identify the coverage you are eligible for. 

To ensure you are always prepared, it's advisable to keep a digital copy of your insurance e-card on your phone. In rare cases, if there are technical issues linking your Emirates ID to your insurance provider, clinics and hospitals can still retrieve your details using the e-card​.

You can request an e-card from your insurance broker, customer service centre, or directly through your insurance provider’s app. Having both your Emirates ID and a digital copy of your insurance card ensures that you are always prepared and won’t face any inconvenience when accessing healthcare​. 

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