Created in 1971 along with the formation of the United Arab Emirates (UAE), Dubai is one of the seven federal emirates of UAE. As one of the fastest growing cities in world Dubai is well recognized for its robust health system. Numbers suggests that the life expectancy in Dubai for males is close to 70 year and for females it is high at 75 years, almost 20% population are UAE nationals and more than 65% are migrants. Given the expectancy rate it becomes important for both resident and migrants to protech their future by obtaining a health insurance.
Public health care is run by Department of Health and medical services (DOHMS). The Dubai health authority made health insurance mandatory for all visitors and expatriates, which means foreign national in Dubai are required to have a health insurance policy even before entering the country. On becoming a resident, local health insurance card is issued which offers significant discounts at many medical facilities which still remains little expensive.
One needs to consider below points before choosing a health insurance.
The benefits of international health insurance plan in Dubai supersede the other local health insurance. It gives the freedom of choice of doctor and hospital across the globe, which also means that the insurance holder in Dubai can undergo medical treatment in US, UK or elsewhere.
The international health insurance plans comes with guaranteed renewal for life which otherwise is not available in Local insurance.
The methodology of premium calculation on obtaining insurance plan in Dubai and Middle East is quite different. The local insurance panelizes the holder charging a higher health insurance rates by looking into their historical claims, however the international health insurance base their premium only on the policyholders age and geographic coverage.
The international insurance in Dubai also gives the opportunity to tailor the plan to meet individual’s specific requirement.
Undoubtedly Dubai and Middle East are in the center of economic development undergoing drastic change in lifestyle. Modernization and new technology in health hector will come at higher cost which eventually will be passed to the end user, hence in present situation it become important for foreign national and local to protect them by obtaining a health plan.