The Changing World of Medical insurance

The new medical insurance requirements are in full swing in Dubai.

There are phases for the implementation:-

  1. Companies with over 1000 staff have to provide insurance that is branded the basic plan by October 31st, 2014
  2. Companies with staff from 100 to 1000 staff basic medical insurance to be implemented by July 31st 2015
  3. Companies with less than 100 staff and individuals including the family and domestic workers to be implemented by June 30th 2016.

The basic minimum plan is highlighted by the following benefits:

  1. AED150,000 limit
  2. Basic healthcare services limited to Dubai
  3. Emergency medical treatment extended to the UAE
  4. Medical history is disregarded – cover cannot be denied due to pre-existing conditions
  5. Maternity coverage included up to AED10,000 for complicated procedures

The basic plan premium is only available through certain insurance providers who are actually commissioned to provide this basic plan and only a selection of 7 companies are permitted to provide it.

If more than the basic plan is required, there are then 42 insurance providers who are licensed to provide and underwrite medical insurance that covers the basic and more as per the requirements of the Dubai Health Authority.

With so many moving parts in the medical landscape now is the time to link with a good source for knowledge moving forward.

On that note we hope to have informed you well and if you have any questions on this please don’t hesitate to contact us.

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