5 Things To Know About Health Care System in Dubai

We all know that healthcare is a must in recent years. As Edward Kennedy has pointed out “Healthcare is right, not a privilege”, we have to invest in our health care insurance. 

Many countries have given importance to health care insurance. We consider Dubai as the World’s capital for expats. About 85% of Dubai’s residents are found to be expats. That is why Dubai is considered the most popular destination in the world for living abroad. Also, it is growing as a technology and civil hub with the busiest airports and business tourism. Even if you are moving or transiting through Dubai, there are a lot of places to visit. Added to this, the government has given importance to healthcare and so we can find excellent standard hospitals and clinics. Language is not a barrier as most of the practitioners speak fluent English other than Arabic. 

One struggle Dubai is facing is the challenge of increasing population. The wish list of Americans recently is to migrate to Dubai as there are better job opportunities. So, it is better to know about Dubai’s healthcare system before relocating. 

Healthcare Structure:

We consider Dubai as the Sultanate of the United Arab Emirates. They balance their healthcare at both the federal and emirate level. That is why each citizen of emirates has independence for healthcare. Dubai Health Authority (DHA) controls both public and private healthcare. 

Expats can get treatment from both public and private facilities for a fee. Meanwhile, Emirati citizens can get treatment from public hospitals at a low cost or sometimes free. 

Heathcare System:Dubai

Recently, in the year 2019, Dubai residents were made to secure mandatory health insurance cover by DHA otherwise, they have to pay a fine of Dh500 a month. 

How is healthcare funded?

Dubai’s healthcare is funded through the tax and municipal sectors. Added to it, some funds come from patient’s expenditures and insurance. 

Employees coming under work are eligible for 20% of insurance in their medical costs. It costs upto 1000 dirhams per year. It is mandatory to provide medical insurance by employers for labor but not to their families. Some employers could provide insurance to families as well. 

If the employers do not provide health insurance for the workers and their families, then they can opt for a private healthcare plan or Essential Benefits Plan (EBP). The EBP is the same package as the UAE public package. This package is eligible for those who get a salary of less than 4000 AED per month. Also, if you employ domestic help, then the employers must arrange healthcare for them. 

Since there is no personal tax for workers, there may be a possibility in the future that Dubai’s healthcare could struggle, as the population is growing. They expected this before the pandemic, but the scenario might change. 

Difference between private and public insurance:

In a recent survey, they found out that 20% of healthcare usage is from public insurance. The Emirates occupy about 15% of citizens, benefit from public insurance. The remaining 80% are expats, who mainly go for private insurance. Most international citizens choose private insurance, although they are applicable to public insurance. Because they get luxury facilities to every need and greater access to many facilities. 

Heath Insurance:Captains Tale

Documents needed to apply for healthcare insurance:

Legal employees working in Dubai are qualified for health care insurance. It is mandatory for employers to arrange health care insurance for all expats and also support employees who get low salaries through the EBP package. 

In public care insurance, it is necessary to have a medical card with you. For that the following document is needed. 

  • Emirates ID number
  • Details of passport
  • Residence visa
  • 2 passport size photos
  • Copy of tenant contract
  • Completed application card
  • For adults, the amount of 320 dirhams and children under 10 an amount of 120 dirhams

Healthcare system:

Dubai provides wonderful maternity care and female-only clinics. If a lady is pregnant, then she has to first register in the hospital of their choice immediately. If you have opted for a public hospital, then it is mandatory to have a valid health card, passports of both husband and wife, and marriage certificate. The package includes about 12 visits and the usual tests that cost 2,500 AED. 

If a baby is born in the UAE, the government does not grant citizenship or permanent residency. We consider a migrant child as a UAE citizen only if the parents are the citizens of that country. After 2019, the rules and regulations have changed and now it is easy for an expatriate to get citizenship in the UAE. 

It is mandatory to have a prescription when you are buying medicines that are available in that country. 

Public hospitals allow emergency care free of costs provided they have a valid medical card. In case you don’t have one then they issue a provisional one on arrival if they have proper legal documents. Private hospitals cost higher if you don’t have health insurance. 

So, when you are moving, check these norms and guidelines so that your migration is hustle-free. 

I, Priya Nagarajan, is a past Assistant Professor, mentor, tutor, counselor. Writing has always been a passion of mine and so changed my path to my passion. I believe language is the best way to convey your thoughts and dreams to get the results. I believe it takes a personal approach to reach individual success. I write with a flair for creativity and a keen eye for the professional.

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