Abu Dhabi is a thriving expatriate hub from around the world, offering excellent career prospects and a high quality of life. However, one of the most crucial aspects of settling down in the UAE is securing the proper health cover. In Abu Dhabi, the UAE government requires all residents, including expats, to have health cover, ensuring them access to quality medical care. Being aware of how to obtain low-cost basic health insurance can help expats remain legal and healthcare expenses in check.
Why Basic Health Insurance is Crucial for Expats
Legal Requirement – Abu Dhabi mandates employers to offer health insurance for their employees. Dependants (wives, kids, and maids) may not be included, so there must be different policies.
Access to Quality Healthcare – Access to health facilities, doctor consultation, treatment, and emergency care is assured through health insurance.
Cost Savings – Medical expenses in the UAE could be astronomical. Health insurance saves on the costs of unforeseen medical complications.
Visa Compliance – An ongoing health insurance cover is required to renew residence visas in Abu Dhabi.
How to Get Affordable Basic Health Insurance in Abu Dhabi
1. Check Employer-Provided Coverage
Most expats working in Abu Dhabi receive health coverage by their employer. Make sure your policy covers dependents, or else you will need to make arrangements for your family individually.
2. Compare Providers’ Insurance Plans
Several insurance companies in the UAE offer basic health coverage that is specifically aimed at expats. It is recommended to compare insurance policies to find one that offers cost for coverage. Some of the well-known providers are:
Daman (Thiqa & Basic Plan)
Oman Insurance
AXA Gulf
Orient Insurance
MetLife
3. Opt for Government-Backed Basic Plans
Expats with lower income or domestic workers may be eligible for Abu Dhabi’s Essential Benefits Plan (EBP), offering affordable coverage for necessary medical services.
4. Choose a Plan That Meets Your Needs
When selecting a plan, consider:
Premium Costs – Choose a plan that fits your budget.
Coverage Inclusions – Check if doctor visits, hospital stays, and medications are covered.
Network Hospitals – Ensure the insurance company has a wide hospital and clinic network.
5. Utilize Online Comparison Tools
There are numerous websites where expats can compare insurance policies in minutes. Websites like Shory, Policybazaar, and InsuranceMarket.ae offer instant quotes and easy policy comparison.
6. Select Add-Ons Based on Your Health Needs
In the event that standard health insurance fails to cover all necessary treatments, expats can add dental, vision, or maternity coverage into their policy at a small additional cost.
Final Thoughts
Health insurance is a key component of Abu Dhabi expat living. Employers might cover employees but locating affordable insurance for dependents is no less important. Shopping around for insurance companies, examining policy terms, and opting for government-sponsored plans enable expats to get the right basic health insurance In Abu Dhabi excess expense. Adequate health coverage not only keeps the law on the right side but also provides peace of mind in times of medical crises.
