Medical Insurance for Dependents in Dubai
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What is Health Insurance for Dependents?
Why Should You Have Medical Insurance for Dependents?
Basic health insurance coverage is mandatory for all citizens and residents of Dubai. However, Dubai's laws mandate that employers provide health insurance for their employees. The dependent family members of these employees may or may not be covered under the employer's health insurance plan.
If the family members are not covered by the employer, it is the responsibility of the expat worker/visa holder to provide the same to every person under his/her sponsorship. The Dubai government can impose stringent penalties on individuals if they fail to get basic medical insurance for dependents.
Types of Children's Medical Insurance Plans
Individual Health Insurance
This is a regular plan that covers only your child. You can also buy add-on covers to address your kid’s specific healthcare requirements.
Family Floater
A single plan covers the entire family, including yourself, your spouse, and your dependent children
Child Health Insurance
Special policies are designed to cover expenses related to hospitalization, medicines, vaccination, and health checkups of children
Benefits of Medical Insurance for Dependents in Dubai
Assured Medical Coverage
Be it a medical emergency or a planned hospitalization, health insurance covers all the major expenses related to treatment, recovery, and rehabilitation
Coverage for the Entire Family
All the family members have access to quality healthcare facilities without worrying about medical bills
Financial Protection
A sudden hospitalization or major surgery can take a heavy toll on your family’s finances and cause immense hardships. Health insurance provides a strong financial safety net by protecting your savings and preventing you from falling into a debt trap.
Affordable Premium
Covering all your dependents in a single plan is more cost-effective than purchasing individual policies for every member
Legal Compliance
Basic health insurance is mandatory for all residents of Dubai. Hence, purchasing medical insurance for dependents in Dubai helps you comply with the law and avoid stiff penalties.
Factors to Consider While Buying Dependent Medical Insurance
Employer's Health Coverage
Many employers in the UAE provide medical coverage to their employees and their dependent family members, too. Please check and confirm the same with your employer before you proceed to purchase a separate plan for your dependents.
Scope of Coverage
It is essential to know what the plan covers (and what it does not) before you sign up for health insurance. Any of your dependent family members may have specific health issues, and the plan must cover them.
Waiting Period Clause
Insurers typically impose a waiting period restriction for pre-existing health conditions. Please note the health issues of your dependents and choose a plan with a minimal waiting period to get optimal coverage.
Deductibles & Copayment
These factors essentially determine the percentage of medical bills to be borne by the policyholders. Please check the details of these clauses in the policy document to avoid 'surprises' during the processing of claims.
Why Choose Prominent Insurance Brokers to Buy Medical Insurance?
One of the leading insurance brokers in the Emirates region with a distinguished track record of over 20 years in the insurance sector
The company offers a wide range of insurance policies that can be customized to meet the policyholders’ unique requirements.
The company has sold over 4,300 health insurance policies and successfully settled over 6,000+ claims.
Fast settlement of claims is facilitated by a dedicated claims management team.
The policyholders enjoy huge savings with attractive discounts on premiums and other value-added services.
The company offers guidance from a professional team of insurance experts to help you choose the right policy.
Prominent Insurance Brokers has forged partnerships with the top insurance companies in the UAE.
Frequently Asked Questions on Dependent Medical Insurance
Yes. The Dubai health insurance law came into force on January 01, 2014. As per this law, all citizens and expat workers along with their dependents must have medical insurance coverage.
The Dubai health insurance law makes it mandatory for employers to provide health insurance to all their employees. However, employers don’t need to provide health insurance for dependents in Dubai. If the employer does not cover the dependents of their employees, it is the responsibility of the employees to sponsor health insurance for all their dependents.
Domestic workers also come under the purview of dependent medical insurance in Dubai. So, it is the responsibility of the person who sponsors their Dubai visa to provide basic health insurance.
It is mandatory, as per law, for every citizen or resident of Dubai to have medical insurance. A person who does not have health coverage is liable to pay a fine of AED 500 every month.
