The Department of Health – Abu Dhabi (DoH), in cooperation with Abu Dhabi Department of Economic Development (ADDED), has introduced flexible health insurance options in Abu Dhabi.
The newly launched option seeks to elevate the emirate’s position as an attractive destination for entrepreneurs and investors that seek to live and work in the emirate, as well as broaden access to world-class healthcare services for all community members in accordance with the highest standards of quality and efficiency.
The new flexible health insurance policy provides entrepreneurs, investors, and others with an insurance option at a low and competitive cost while flexible insurance holders can upgrade their insurance coverage in agreement with the insurance provider. Several categories can subscribe to the new insurance option according to conditions set by the Department of Health – Abu Dhabi.
As part of the new insurance option, health insurance providers will evaluate the condition and medical record of the insured to determine whether they will accept the request for inclusion in the flexible health insurance policy.
The flexible health insurance policy benefits community members including expatriates residing in the emirate who work in the private sector, provided that their monthly income exceeds Dhs5,000. It also includes investors and holders of free business licenses, their families and their employees, as well as the family of the resident expatriate and their workers who are not covered by health insurance from the employer (governmental or private).
The flexible health insurance policy is characterised by insurance coverage for the costs of treatment services amounting to Dhs150,000 annually, 100 per cent emergency coverage, 20 per cent copay of the cost of all outpatient treatment services and 30 per cent copay for medications. Policy holders can benefit from healthcare services in a network of healthcare providers in the emirate, with the possibility of upgrading insurance coverage according to the patient’s needs.