UAE President Shaikh Khalifa Bin Zayed Al Nahyan, in his role as Ruler of Abu Dhabi has passed Law 23 - The Abu Dhabi Health Insurance Regulation Bill. The General Authority for Health Services in Abu Dhabi (HAAD) will enforce the Law.
The Law obliges all employers/sponsors in Abu Dhabi to provide health insurance for expatriates residing or working in Abu Dhabi; this includes residents working and living in Abu Dhabi; families and people who are sponsored by expatriates and all individuals sponsored by expatriates residing in Abu Dhabi.
The basic product policy (BPP) provided by Daman and supervised by HAAD covers healthcare services within Abu Dhabi through an authorised network of healthcare providers with an upper limit of Dh250,000 annually to individuals and their dependants with incomes not exceeding Dh3,000 with housing or Dh4,000 without housing. The policy includes medication costs which will cover a maximum of Dh1,500 for out-patient medication expenses and 30 per cent from the transaction; in case the transaction exceeds Dhs500 the insured is required to get previous permission from the insurance companies.
The insured may liaise with an authorised insurance company to increase the upper limit by switching to an enhanced insurance policy, provided they pay the premium difference.
Standard international/expat policies are not adequate. Special covers are needed for Abu Dhabi, and the insurer must be one authorised by that state.
International health insurance: News update: January 2008