- Legal Articles
- Ask Elhais
June 23, 2021|
The UAE is renowned for its best quality healthcare facilities, which has led to a rise in medical tourism over the past decade. Healthcare is so prevalent, there are an estimated 181 doctors per 100,000 residents. Health insurance is one of the most serious issues in any society as it often leads to high-quality healthcare treatment available for many people. The UAE has some of the finest healthcare infrastructure in the world and is a major attraction for expats looking to move there. Health insurance plays a massive role in providing a high level of healthcare in the UAE and is necessary for expats living in Dubai. There are different ways to treat the issue and some countries provide free healthcare while others focus on healthcare insurance system. In the UAE, compulsory health insurance has been introduced few years back.
Points to remember
According to labour laws, you are entitled to a health card that allows you access to a limited range of hospitals and clinics that make up the Dubai Health Authority (DHA) facilities. The Health Insurance Law of Dubai No 11 (2013) requires all residents to have a level of health insurance coverage that meets or exceeds the minimum benefits laid out by the Dubai Health Authority (DHA). Responsibility of health insurance is down to the employer (not the employee). The employer is obliged to cover the employees by health insurance in accordance with the health insurance policy applicable. The employer can't ask the beneficiary to bear the insurance cost. The law also states that employers must not deduct the salary of the employee to provide health insurance.
UAE nationals living in Dubai have access to Saada. It provides insurance coverage to citizens who aren’t benefitting from any government health program in Dubai. Saada users can receive treatment at many DHA healthcare centres and private providers. UAE citizens have the option to opt-out of their private healthcare scheme to join the government scheme. Employers of expats are required to provide health insurance for their employees. Sponsors are also required to provide private health insurance for their dependents. EBP is for Dubai residents who earn less than AED 4,000, as well as for their dependents. The Plan has a fixed cost of AED550-AED650 annually and benefits including emergency treatment limited to Emirates within the UAE, basic healthcare in Dubai and a 30% co-pay for each prescription.
While choosing health insurance quantitative data will be essential when analysing outcomes of the policy. It will be important to calculate the number of activities, costs of the activities, the number of people covered by insurance package, the rate of particular diseases as well as death rate. And one can also seek expert advice. Medical Services within the UAE, while generally of an extremely high quality, can be expensive. As such it is highly recommended that all individuals, families, and groups located in the UAE, GCC, or on the Arabian Peninsula, purchase some form of comprehensive UAE medical insurance policy.
Copyright © of this article is retained by the author and/or other copyright owners. We explicitly grant you permission to download a copy, without any alteration, of this article for personal non-commercial research or study, without prior permission or any charge. This article can be utilized on your website or for marketing, however, we grant you permission to host this article on your website and no other rights. This content should not be altered in any way or sold commercially in any format without prior permission of the copyright holder. During reference of this article, full biographic details entailing the name of the author, his designation, the institute and the publishing date of the article shall be provided.
Your email address will not be published. Required fields are marked *
I owe the success of my case to Dr. Hassan's diligent approach. He remained focused, put me at ease and always went the extra mile. Dr. Hassan tirelessly put my case in the best possible light and I cannot thank him enough. I would highly recommend Dr. Hassan - I am grateful to him from the bottom of my heart.
Dr. Hassan Elhais is among the best legal consultants I have ever worked with. He has an amazing ability to reduce complex issues into a simple concept that non-legal people can understand. He consistently develops innovative litigation strategies that help us to achieve our ultimate legal goals.
...the extraordinary effort that has been exerted by the staff, and we specially thank Dr. Hassan Mohsen Alhais. Wishing your continues success & excellence...
I believe everyone should recognize what a difference Dr. Hassan Elhais work has made to people's lives; and especially to our family's life, because we will remain forever grateful to each and every one of his team.
Dr. Hassan Elhais never fears cases that involve exposure and he always gives me his honest assessment of our chances of success, which is invaluable to me.
He aided us not only in providing legal advice but also in all legal issues that required a long term strategic approach to achieve most favorable and optimum outcomes he provided us with high level of professional service.
Dr. Hassan Elhais is a responsible, reputable counsel who operates to high levels of service.
Dr Hassan Elhais is responsive, thorough and creative with his advice, and is a valued advisor and legal consultant.
Regardless of the complexity of the matter I know Dr. Hassan Elhais will consider not only legal strategy but also business practicalities in providing advice and litigation options.
I recommend Dr. Hassan Elhais to anyone who says 'I'm in legal trouble'. I was extremely satisfied with the high standard of his work. He has always been there when I have needed him and I refer all my clients, family and friends to him/his firm.
Dr. Hassan Elhais was very professional and he listened to my needs. He was very prompt, efficient and always kept me informed. Dr. Hassan Elhais's service was excellent and I would definitely recommend him to friends and colleagues.