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. 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.