If you are lucky enough to work with an employer who provides you with group insurance, then you do not have to take out individual health insurance which is more expensive. Better still if your company group health insurance covers you and your family. Dubai Government is currently working with the Federal Government on making it compulsory for all employees to have health insurance funded by their employers. From its side, it provides health insurance for approximately 70,000 Dubai government employees and their families.
All Dubai government employees and their dependants come under a health insurance scheme called Enaya, which is a strategic health insurance partnership between Dubai Health Authority and Neuron LLC. Enaya, which means ‘care’ in Arabic, provides all government employees and their dependants with comprehensive medical cover, depending on the grade of the government employee. This includes dental treatment, optical equipment and treatment for pre-existing and chronic diseases at both government and private hospitals and clinics. From February 2010 an amendment in costs for private clinics and hospitals was undertaken whereby the employee or dependant has to pay 20% of the cost for in-patient or out-patient treatment, 20% for medicines bought at a pharmacy, 50% cost for optical and 30% for dental treatment. However medical treatment at government hospitals will remain free for nationals with a nominal charge of AED 20 for expatriate government employees and their dependants.
In all cases of health insurance either you or your employer pay a monthly/annual premium, which entitles you to receive free or subsidized medical care and medicines. For some medical policies, you may have to pay some percentage of the costs called deductibles/co-payments/co-insurance.
Do note that a comprehensive medical insurance may not cover all diseases and may also exclude pregnancy, reconstructive or experimental surgery and psychological problems. Another issue to check is the geographical reach of your medical insurance; frequent business and leisure international travellers may need separate international cover or additional travel insurance.