Health cover is mandatory |
|
Saturday, Jan 03, 2009
Gulf News
Abu Dhabi: Expatriates new to the country must provide evidence of a health insurance registration before applying for a work or visit visa.
The usual scenario however, includes an employer providing his employees and their dependents (spouse and children under 18) with a valid health insurance plan.
Individuals and small companies who are not eligible for a basic health insurance plan must undergo a process of underwriting and medical evaluation prior to the issuance of their insurance policies.
Certain factors such as deductibles, medical condition, age, gender, selection of a plan, marital status, weight and pre-existing conditions are put into consideration once an individual applies for a health insurance plan. In accordance to those factors, a specific calculation for a premium product is offered to the client.
Individuals and/or companies have a choice of 30 different health insurance companies across the emirate of Abu Dhabi. Each company has its own calculations in estimating the health services that a member needs within a year of medical coverage.
"Calculations differ from one individual to another depending on the exposure level of each factor. A plan with an international territory, for example, will have a higher premium as well as a member with a pre-existing diseases or high plan benefits," said Michael Bitzer, chief executive officer for the National Health Insurance Company (Daman), partners with the Health Authority Abu Dhabi (HAAD)Health Authority Abu Dhabi (HAAD)
.
The health insurance scheme offers three kinds of policies for coverage:
Basic Health Insurance Policy - for individuals with monthly salaries less than Dh5,000 or Dh4,000 plus housing allowance.
The premium is set at Dh600 and the Enhanced Health Insurance Policy - for all other individuals. These policies include basic products plus additional coverage as per the agreement between the beneficiary and the insurance company.
Emergencies
Emergency Health Insurance Policy is for all visitors to the emirates in the event of an emergency. The premium is set according to the duration of the visit and in consideration of the prices in the market.
Health insurance policies are valid for one year after the date of issuance and should be renewed annually. The insured are not entitled to claim back the premium.
Checklist: Health Insurance Companies in the UAE
- National Health Insurance Company (Daman)
- Abu Dhabi National Insurance Company
- Al Sagr National Insurance Company
- Al Wathba National Insurance Company
- Al Khazna Insurance Company
- Al Buhaira National Insurance Company
- Emirates Insurance Company
- Abu Dhabi National Takaful Company -Takaful
- Ras Al Khaimah National Insurance Company
- Al Ain Ahlia Insurance Company
- American Life Insurance Company
- Arab Orient Insurance Company
- Alliance insurance Company
- Qatar Insurance Company
- Arabian Scandinavian Insurance Company
- Al Dhafra Insurance Company
- Lebanese Insurance Company
- Al Fujairah National Insurance Company
- Arabia Insurance Company
- Islamic Arab Insurance Company (Salana)
- United Insurance Company
- Dubai Islamic Insurance & Reinsurance Co (Aman)
- Oman Insurance Company
- Saudi Arabian Insurance Company
- National General Insurance Company
- Axa Insurance - Gulf
- Royal & Sun Alliance Insurance (Middle East) Ltd
- Noor Takaful Family
- Dubai Insurance Company
- Green Crescent Insurance Company
- For more information on a health insurance plan, you may contact either one of the above health insurance companies or the Health Authority Abu Dhabi on Toll free 800 3900 or through info@haad.ae/www.haad.ae
© Gulf News 2009. All rights reserved.
Zawya is a distributor (and not a publisher) of content supplied by third parties and subscribers. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by those third parties, including information providers, subscribers or other users of the Service, are those of the respective author(s) or distributor(s) and not of the Company. The Company neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the Service by anyone other than authorized Service employee spokespersons while acting in their official capacities. The Company is not responsible for any infringement of intellectual property rights or breach of any applicable law or regulation, including regulation in relation to financial services or the distribution of financial products, defamation, data protection, telecommunications (including regulations relating to excessive use, spamming or other abusive activities) or obscene, offensive or illegal content). Under no circumstances will the Company be liable for any loss or damage caused by a member's reliance on information obtained through the Service. It is the responsibility of member to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Service. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.
Read the full Member Agreement
http://www.zawya.com/legal/NewsLetter.cfm?name=disclaimer
Comment on this article 
Loading ...-
Zawya encourages you to add a comment to this discussion. You agree that when you add content to this discussion your comments will not:
1.1 Contain any material which is libelous or defamatory of any person, is obscene, offensive, hateful or inflammatory or causes damage to the reputation of any person or organisation.
1.2 Promote sexually explicit material, violence, discrimination based on race, sex, religion, nationality, disability, sexual orientation or age or any illegal activity.
1.3 Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
1.4 Be threatening, abuse or invade another's privacy, or cause annoyance, inconvenience or needless anxiety.
1.5 Be used to impersonate any person, to misrepresent your identity or affiliation with any person, or be likely to deceive any person.
1.6 Give the impression that they represent Zawya.
1.7 Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse. - The content posted on www.zawya.com is created by members of the public. The views expressed are theirs and unless specifically stated are not those of Zawya. Zawya reserves the right to review all comments prior to posting and edit or delete any contribution, but Zawya is not responsible for and can not be held liable for any content posted by members of the public on www.zawya.com.
- Zawya is not responsible for the availability or content of any third party sites that are accessible through www.zawya.com. Any links to third party websites from www.zawya.com do not amount to any endorsement of that site by Zawya and any use of that site by you is at your own risk.
- By submitting your comment, you hereby give Zawya the right, but not the obligation, to post, air, edit, exhibit, telecast, webcast, re-use, publish, reproduce, use, license, print, distribute or otherwise use your comments worldwide, in perpetuity.
Stories
Companies
| Company Name | Country | Industry |
| Consolidated Contractors Company | Overseas | Construction and Design |
| Saudi Telecom | Saudi Arabia | Telecommunications Services |
| Saudi Binladin Group | Saudi Arabia | Construction and Design |
| Zuhair Fayez Partnership Consultants | Saudi Arabia | Construction and Design |
| Hyundai Engineering and Construction Company - Saudi Arabia | Saudi Arabia | Construction and Design |
| Ministry of Health - Saudi Arabia | Saudi Arabia | Ministries and Municipalities |
| Saudi Electricity Company | Saudi Arabia | Electric Utilities |
| Dubai Electricity and Water Authority | UAE | Electric Utilities |
| Nissan Motor Egypt | Egypt | Transportation Products |
| Almarai Company | Saudi Arabia | Food |
Projects
| Project Name | Country | Sector |
| ADNOC/ConocoPhillips - Sour Gas Fields Development - Shah Field | UAE | Oil and Gas |
| ENEC - Nuclear Power Plant | UAE | Power and Water |
| SATORP - Jubail Refinery and Petrochemical Complex | Saudi Arabia | Oil and Gas |
| Takreer - Ruwais Refinery Expansion | UAE | Oil and Gas |
| Aramco/Dow Chemical - Ras Tanura Integrated Refinery and Petrochemicals Complex | Saudi Arabia | Oil and Gas |
| Abu Dhabi Ports Company - Khalifa Port and Industrial Zone (KPIZ) | UAE | Infrastructure |
| Qatar Foundation - Sidra Medical and Research Center | Qatar | Real Estate |
| IGD - Gasco - Habshan 5 Gas Processing Plant | UAE | Oil and Gas |
| Abu Dhabi DOT - Abu Dhabi Metro | UAE | Infrastructure |
| Emirates Aluminium (EMAL) - Smelter Complex - Phase 1 | UAE | Industry |