Where Can I Get Medical Help Without Having Health Insurance?

By Ruchi Gohri
  | Published: 26 October 2021

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Despite the efforts to make insurance affordable for everyone in the UAE, it still continues to be an expensive product for some. Even the cheapest health insurance policy on average costs around AED 10,000 per annum.

Not everyone in the UAE can afford to buy a health insurance policy to avail of quality medical care benefits. To help out such people, we have listed here a few places and ways of getting medical help without having a health insurance in the UAE.

List of Places to Get Medical Treatment without Health Insurance

Charity Care Centres

There are various charity care organizations in the UAE that provide medical care at subsidized rates. A person without a health insurance policy can apply for the required medical treatment in these charity care centers. They can explore their options by contacting a social worker or financial assistance team in the organization.

Community Health Clinics

There are various non-profit health care centers in the UAE. Someone who can’t afford to buy a health insurance policy can go to these community health care clinics and seek the required medical treatment. These centers take into account the financial condition of the seeker and offer discounted rates for all the medical care in comparison to private medical care clinics.

Community Health Clinics in the UAE provide a variety of medical services such as vaccinations, dental care, family planning services, and consistent care for chronic conditions like heart disease, asthma, diabetes, and more. At these centers, people may also get free treatment depending upon the type of medical care they need.

Walk-in Clinics

Walk-in Clinics in the UAE offer urgent medical care services. People do not need to book an appointment before visiting these centers. People without a medical insurance policy can go to these health care centers and inquire about the treatment costs and ways to get them reduced.

Emergency Medical Rooms

The medical treatment costs at emergency rooms are usually higher in comparison to other urgent healthcare centers.

People must not visit urgent care centers for regular illnesses or injuries. They can consider visiting an emergency room if they are suffering from severe chest pain, shortness of breath, severe abdominal pain, a severe injury, persistent vomiting, unconsciousness, or any other condition that requires emergency treatment. The doctors cannot deny an emergency medical treatment if a patient needs it.

So, it’s better to perform research and explore all the options that may be a good idea before visiting these centers without a health insurance policy.

Ways to Pay Medical Bills without Health Insurance

Here are some ways to pay a medical bill when you don’t have a health insurance policy.

Shop Around for Doctors, Medical Care Clinics, and Hospitals

If you do not have a health insurance policy, you can shop around to get better deals. You can visit the online portals of multiple healthcare centers and explore your options. Different hospitals and doctors charge different fees for various treatments. You can check your options online or call them to check their charges and choose the option with a lower cost.

Ask and You Shall Receive

Most medical care centers in the UAE charge lower medical care rates even if you do not have insurance. All you need to do is ask for a discount and make them aware of the fact that you need to pay for your medical expenses all by yourself, without insurance.

Save on Medications

You can ask your doctor for free prescriptions or sample medicines to save on your medication cost. Additionally, you can ask for generic versions of medicines in your prescription or look for an affordable alternative.

There are a few prescription assistance programs in the UAE that you can seek help from. These centers can help you get the prescribed medicines at an affordable cost. You can visit the websites of these assistance centers and check which one offers the medicines at lower costs.

Pay the Amount in Full

Hospitals may offer you a discount if you pay the whole amount in full or in cash. Try to do the same if you have some funds available and if not, make sure to discuss your payment plan with the billing department. This may help you in getting the reduced rates or some time to arrange the required funds.

Save Money for Medical Emergencies

If you do not have a health insurance policy, you must consider saving up for a rainy day. You can open a savings account in any of the banks that offer higher interest rates to help you multiply your savings as fast as possible. Make sure to set aside a portion of your income every month that’s to take care of the doctor’s consultation charges and other medical bills.

The Bottom Line - Consider Getting Health Insurance

The best way to saving on your medical expenses is by buying a medical insurance policy. You can visit our website and go to the health insurance section to find the cheapest health insurance policy that fits your pocket and budget. In case you need help, you can call our helpline number and speak to our experts who can help you in finding the right plan. Our experts are trained to analyze your medical needs, explain the features and benefits of your preferred insurance plans, and help you choose the best one accordingly.

Ruchi Gohri
Ruchi Gohri0 Post

Senior Content Writer | She has a penchant for writing and with over 5 years of experience, she plays around with words elegantly, crafting simple content for all to read. In her free time, she loves her couch either to read or catch on to her sleep.