Know about the health insurance system and find out how to subscribe to one.
Under the 'Thiqa' programme, Abu Dhabi Government provides full medical coverage to:
You can enrol in, or renew your insurance through the Thiqa website or by using the Thiqa app on App store or Google Play.
Insurance includes broader geographical coverage and extra health benefits.
The insured will get a Thiqa card, through which he/she can get access to a large number of private and public healthcare providers registered in the network of Daman, health insurance provider.
Dubai Health Insurance Corporation is the entity responsible for regulating the health insurance sector and ensuring the rights of the insured nationals and residents of Dubai. It also licenses insurance companies, third party administrators (TPAs), brokers and health services providers.
All government health insurance systems in Dubai have been unified under one umbrella, known as Enaya.
Enaya serves as the healthcare benefits scheme for employees of Dubai Government and citizens of Dubai. It offers a broad range of coverage including treatment for almost all types of ailments, chronic and acute.
Refer to Enaya Beneficiary Guide - (PDF, 718 KB) for more information.
Medical services under the Enaya scheme are delivered through two companies
To be eligible for coverage under Enaya, you must either be a:
Enrol in ‘Enaya’ either online or through the Enaya kiosk.
To ensure an integrated health insurance system of high quality services, Dubai implemented the following monitoring systems:
HICAL oversees and controls instances of fraud, waste and abuse of insurance providers. If you suspect any potential manipulated service from an insurance provider in Dubai, you may report it to HICAL.
The Department of Health Insurance at Sharjah Health Authority oversees health insurance coverage for UAE nationals in the emirate of Sharjah. Initially, Sharjah Government provided health coverage only to Sharjah Government employees, their dependents and and Senior Emiratis (those who are 60 years old or above). However, since January 2020, it decided to extend the insurance coverage to all citizens of Sharjah.
The Government of Ajman provides all its employees with health insurance. An updated list of hospitals, clinics and pharmacies approved by the health insurance network and claim forms can be accessed from Ajman Government site.
The extent of coverage for employers and their dependents is determined by the employee's salary, designation etc. The extent of coverage and type of policy/scheme would determine the cost of your medical services.
In the emirate of Abu Dhabi, employers and sponsors are responsible for the providing health insurance coverage for their employees and their families (1 spouse and 3 children under 18 years).
In the emirate of Dubai, employers are required to provide health insurance coverage for their employees. Sponsors are required to get insurance cover for their resident dependents.
There are several insurance companies in the UAE. Many also provide Islamic insurance (takaful).
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