All residents in the UAE are required to have a form of health insurance. Because it’s mandatory, many health insurers offer affordable health plans. But what is the cheapest health insurance for a family in UAE? Is it also the best health plan you can find?
Let’s find out here.
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Cheapest Health Insurance for Family in UAE
You can only find the most affordable health insurance in UAE by obtaining quotes and comparing them.
One of the cheapest health plans is Poor Takaful – EBP- Aafiya. It covers up to AED 150,00. Its copayment is 20% for outpatient consultation and 20% in-patient. It has a pharmacy limit of up to AED1,500. The cost can start from AED 526 a year.
Another affordable option is Orient – I-Med. It has the same co-payment as the health plan mentioned above. But its yearly cost is quite higher than Poor Takaful. The cost can start at AED 875 a year.
It’s important to note that although it’s mandatory to have health insurance in UAE, employers are not obligated to provide coverage for the dependents of their employees.
Thus, some companies in UAE don’t provide coverage for their workers’ dependents. It allows them to save a significant amount of money.
Unfortunately, employees have to look for the cheapest health insurance for a family in UAE to ensure that their family members are covered.
If you’re earning less than AED 4,00 a month, the best, most affordable health insurance plan is the Essential Benefits Plan (EBP). This is also the best option if you can’t afford to obtain health insurance for your dependents.
The cost is reasonable. It has a standard package with premiums that can range from AED 650 to AED 725 a year. But the coverage is just basic. It means that it only covers generally physicians, certain surgical procedures, emergency services, maternity care, and other essential benefits.
Related: What Health Plan is Suitable for You?
Compare Health Insurance Plans for Family in UAE
In UAE, the insurance market is a bit diverse. It means that there are plenty of options and also health insurers to choose from. But because of its abundance, it can be confusing to choose which plan to purchase for your family.
Thankfully, though, just like in any other country, you can obtain free quotes to help you decide and compare health insurance plans. When you have all the quotes that you need, you can start comparing and finding the best plan that fits your budget and meets your medical needs.
It’s important to remember though that the cheapest health insurance for a family in UAE might not be the best health plan for you. Keep in mind that the most affordable health plan might have higher deductibles. Thus, if you regularly visit your doctor or hospital, the overall cost might be higher.
When comparing health insurance plans in UAE, you need to do the following:
- Find plans that offer the coverage that you and your family need but within your budget
- Narrow down your list based on price, features, and benefits
- Study the inclusions, exclusions of the plan.
- Review the health insurer and the plan by reading clients’ testimonials or reviews.
Compare and Buy Health Insurance for Family in UAE
You can shop for health coverage online. One of the benefits of shopping for health insurance in the UAE online is that it is easy to do. You can browse the net or use a website aggregator.
It saves time and money. You don’t have to call each insurer just to obtain its quotes. There are also no forms to fill out. Or you have to deal with agents who might offer you something that you don’t need.
Most of all, you can easily compare and buy health insurance with just a few mouse clicks. Plus, there’s a plethora of offers and discounts that you can only find online
Then again, even though you can find the cheapest health insurance for a family in UAE online, not all options are good. Thus, if the offer is too good to be true, then don’t bother.
What Treatments are Not Covered by Health Insurance in UAE?
Although health insurance can help you pay for medical expenses, not all costs are covered. There’s an exclusion list that you need to be aware of. This list will help you understand what treatments your insurer won’t pay.
Here’s the list of most common health insurance exclusions:
- Terminal illnesses
- Dental and optical care
- Injuries because of a suicide attempt, nuclear activity, terrorism, and war
- Pre-existing condition
- Treatments for obesity
- Diagnostic tests and post-medical care procedures
However, some options can help you add coverage for these items. It still depends on what plan you are planning to obtain or which health insurer you want to sign up for.
That’s why you must study your options carefully so you can find the best plan for your family. It may not be the cheapest plan available. However, the best plan covers your and your family’s medical needs. This is more vital as it can protect you from financial struggles when something happens to you or one of your family members.
You can find the cheapest health insurance for a family in UAE by comparing quotes and studying your options. But make sure to pick the one that meets your budget and medical needs. You may use this comparison tool. If you’re relocating to the UK, find out how health insurance works in Britain here.
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