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Getting your health insured in Dubai

​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.

 

 
FAQS on medical insurance- Nextcare
Medical Provider Finder – Nextcare
Reimbursement Form download – Nextcare
Getting individual medical insurance – Noor Takaful
Health and dental insurance in Dubai – Justlanded.com
Enaya Category A Coverage & Benefits (Arabic pdf)
Enaya Category B Coverage & Benefits (
Arabic pdf)
Enaya Category C Coverage & Benefits (
Arabic pdf)
Enaya Category D Coverage & Benefits (
Arabic pdf)
Dubai Government Hospitals Network (
Excel file)
Enaya Platinum Network (
Excel file)
Enaya Gold Network (
Excel file)
Enaya Silver Network (
Excel file)
Enaya Pharmacy Network (
Excel file)
Enaya Optical Network (
Excel file)

 

Published Date : 26/09/2013Back


Life Events Top Category

Citizens; Residents

Individual Life Events

Planning your insurance in Dubai

Sublife Event Title

Getting your health insured in Dubai

Life Events Supporting Partners

Dubai Chamber

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1

Published Date

07/06/2011

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06/06/2020

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Body

​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.

 

 
FAQS on medical insurance- Nextcare
Medical Provider Finder – Nextcare
Reimbursement Form download – Nextcare
Getting individual medical insurance – Noor Takaful
Health and dental insurance in Dubai – Justlanded.com
Enaya Category A Coverage & Benefits (Arabic pdf)
Enaya Category B Coverage & Benefits (
Arabic pdf)
Enaya Category C Coverage & Benefits (
Arabic pdf)
Enaya Category D Coverage & Benefits (
Arabic pdf)
Dubai Government Hospitals Network (
Excel file)
Enaya Platinum Network (
Excel file)
Enaya Gold Network (
Excel file)
Enaya Silver Network (
Excel file)
Enaya Pharmacy Network (
Excel file)
Enaya Optical Network (
Excel file)

 

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Related Government Entity

Emirates Insurance Association

Related Topics

5 insurance companies given power by RTA to renew vehicle insurance – Gulf News; Laws to regulate Islamic insurance by UAE Insurance Authority – Gulf News; Home insurance remains unpopular – Gulf News; Content insurance helps cope with home loss – Gulf News

Related Private Links

Abu Dhabi National Insurance; Axa Insurance Gulf; Dubai Islamic Insurance & Reinsurance Company; Methaq Takaful Insurance; Gargash Insurance Services; RSA Insurance; Noor Takaful; Neuron Health Insurance; Nextcare Health Insurance; Insurancemarket.ae from Afia Insurance Brokerage

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26/09/2013

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07/06/2011

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للمواطنين; المقيمون

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التخطيط للحصول على تغطية تأمينية في دبي

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ArticleCategory:CategoryEnglish

Planning your insurance in Dubai

ArticleCategory:ShowOnHomePage

No

GovernmentEntity:ArabicURL

http://www.eia.ae/

GovernmentEntity:EnglishURLText

Emirates Insurance Association

GovernmentEntity:EnglishURL

http://www.eia.ae/

GovernmentEntity:ArabicURLText

جمعية الإمارات للتأمين

PrivateLinks:ArabicURLText

شركة أبو ظبي الوطنية للتأمين; إيه إكس إيه للتأمين; شركة دبي الإسلامية للتأمين وإعادة التأمين "أمان"; شركة ميثاق للتأمين التكافلي; شركة قرقاش لخدمات التأمين; آر إس إيه للتأمين; نور للتكافل; نيورون للتأمين الصحي; نيكست كير للتأمين الصحي; عافية لخدمات وسطاء التأمين

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http://www.adnic.ae/; http://www.axa-gulf.com/; http://www.aman-diir.ae/ar/; http://www.methaq.ae/Ar/default.aspx; http://www.gargashinsurance.com/; https://www.rsagroup.ae/; http://www.noortakaful.com/medical/individualmedical.aspx?gclid=CJbSw42Eu6QCFZk03godRGG7JA; http://www.neuron.nu/services.php; http://www.nextcare.ae/; http://insurancemarket.ae/

PrivateLinks:EnglishURLText

Abu Dhabi National Insurance; Axa Insurance Gulf; Dubai Islamic Insurance & Reinsurance Company; Methaq Takaful Insurance; Gargash Insurance Services; RSA Insurance; Noor Takaful; Neuron Health Insurance; Nextcare Health Insurance; Insurancemarket.ae from Afia Insurance Brokerage

PrivateLinks:EnglishURL

http://www.adnic.ae/; http://www.axa-gulf.com/; http://www.aman-diir.ae/; http://www.methaq.ae/; http://www.gargashinsurance.com/; https://www.rsagroup.ae/; http://www.noortakaful.com/; http://www.neuron.nu/services.php; http://www.nextcare.ae/; http://insurancemarket.ae/

TopicLinks:EnglishURLText

5 insurance companies given power by RTA to renew vehicle insurance – Gulf News; Laws to regulate Islamic insurance by UAE Insurance Authority – Gulf News; Home insurance remains unpopular – Gulf News; Content insurance helps cope with home loss – Gulf News

TopicLinks:EnglishURL

http://gulfnews.com/news/gulf/uae/traffic-transport/five-dubai-insurance-companies-given-power-to-register-cars-1.669367; http://gulfnews.com/business/general/law-to-regulate-islamic-insurance-1.647033; http://gulfnews.com/business/your-money/home-insurance-remains-unpopular-1.658417; http://gulfnews.com/business/your-money/content-insurance-helps-cope-with-loss-1.658416

TopicLinks:ArabicURLText

منح 5 شركات تأمين في دبي صلاحية تسجيل السيارات – جلف نيوز; قوانين لتنظيم التأمين الإسلامي من خلال هيئة الإمارات للتأمين - جلف نيوز; التأمين على المسكن ممارسة غير مألوفة - جلف نيوز; التأمين على المقتنيات يساعد في تعويض الخسائر - جلف نيوز

TopicLinks:ArabicURL

http://gulfnews.com/news/gulf/uae/traffic-transport/five-dubai-insurance-companies-given-power-to-register-cars-1.669367; http://gulfnews.com/business/general/law-to-regulate-islamic-insurance-1.647033; http://gulfnews.com/business/your-money/home-insurance-remains-unpopular-1.658417; http://gulfnews.com/business/your-money/content-insurance-helps-cope-with-loss-1.658416

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http://www.dubaichamber.com/

ArticleCategory:AdditionalTopCategory

 

ArticleCategory:ID

21

ArticleCategory:RankCitizen

200

ArticleCategory:RankResidents

200

ArticleCategory:RankBusinesses

0

ArticleCategory:RankVisitors

0

ModificationDt

26/09/2013

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Created at 07/06/2011 08:19 by Ali Developer
Last modified at 26/09/2013 11:49 by Garth Mitchell