A new legislation has been implemented by the Dubai Health Authority under which the residents, expats and the Emiratis and their dependents must have a health insurance. The Emiratis will be covered under the government funded scheme. The expat will have to make their own arrangements and ensure that they have a suitable private health insurance scheme. Most companies in the Dubai are required to provide health insurance to their expat employees. Though the dependents of the expats need not be covered by the companies, the government encourages it.
While choosing a health insurance, you must choose the one with the correct level of cover and you can determine this when you know what you want in a health insurance policy.
How can an expat select a health insurance provider in Dubai?
Finding an ideal health insurance provider in Dubai is not an easy task. There are many service providers that offer various plans and packages. Following are the important factors that one must consider while taking a health insurance plan:
- Cost of the insurance: The first thing a person has to consider while taking an insurance is its cost. You must know if you can afford the insurance and only then take it on. Otherwise, it becomes more of a hassle. You must not sign up for a policy that you don't need. Do not take on an expensive policy either. You must know that there are certain cover in the plan that you may not need. For instance getting a worldwide cover when you don't travel much. You can reduce the cost of your insurance by choosing the benefits that are relevant to you. You must choose a plan that best suits your personal and family's needs.
- Cover of the health insurance: Health insurance providers offers various levels of cover. If you are married and have children, you must check if your health insurance will cover your spouse and children. You must also check if evacuation and repatriation is covered under the plan.
- Credibility of the insurance provider: You must check the credibility of the insurance provider you are choosing. You must know that if you are sick, the insurance will come through and will pay the claim. When the company is good and reputable, you can vouch for the credibility and there will be less quibbling and the claim will be paid sooner.
- Authorisation and regulation: You must ensure that the insurer has the licences required to operate in the global insurance industry. It is very important that the insurance companies are regulated, audited and authorised by the appropriate regulatory bodies. This ensures that the company has liquidity to cover 100% of your claims.
- Customer care: You must choose an insurance provider who has an excellent customer care service. There is no knowing when you may fall sick and will have to be treated. You need to reach the insurance company at any time on any given day and in a language you understand. Therefore, you must check how the insurance company's' customer care is and then take a call on if you want to take a health insurance from them.
When you are living in Dubai, you will be required to have a health insurance. You must therefore compare all the options that are made available to you and choose a plan that is cost effective and gives a comprehensive cover. Do a thorough research on the insurance provider before choosing a health insurance as it is your health you are trusting them with.