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In the United Arab Emirates (UAE), Health insurance is mandatory for all residents, including expatriates and their dependents. For Abu Dhabi residents, the legal and regulatory aspects of health insurance are primarily managed by the Department of Health (DoH). The DoH ensures that employers provide suitable insurance plans for their employees and their dependents. Furthermore, every insurance company operating in Abu Dhabi must be licensed and regulated by the UAE Insurance Authority.
You may require a lawyer in cases where you need to understand the complexities of your health insurance coverage, if there's a dispute with your health insurance provider or if you believe that you have been unjustly denied a claim. Legal help can also be helpful if you're an employer who needs guidance on the mandatory health insurance law for your employees and their dependents. Legal professionals can provide advice, assist in negotiations, or represent your case in a dispute.
The UAE’s Health Insurance Law (Law No. 23 of 2005) necessitates the provision of health insurance coverage for every citizen, resident, and visitor in Abu Dhabi. Employers are responsible for providing health insurance for their employees, while sponsors need to do the same for their residents. A mandatory basic health insurance policy is set by the government and is known as the Thiqa programme for Emiratis and the Basic product for expatriates. Insurance providers cannot deny coverage due to pre-existing conditions and newborns are covered for the first 30 days by their mother’s insurance policy.
Yes, under the Health Insurance Law, the provision of health insurance coverage is mandatory for every citizen, resident, and visitor in Abu Dhabi.
Employers are responsible for providing health insurance for their employees, while sponsors are in charge of providing the same for their residents in Abu Dhabi.
Yes, insurance providers cannot deny health insurance coverage due to any pre-existing conditions.
Newborns are covered by their mother's insurance policy for the first 30 days.
Yes, individuals can choose to purchase a more comprehensive health insurance package beyond the mandatory basic health insurance package if they so wish.
The Department of Health (DoH) and the UAE Insurance Authority websites provide comprehensive information regarding health insurance laws in Abu Dhabi. The Abu Dhabi Government also offers services such as the online "Health System Indicator" and the "Healthcare Capacity Master Plan" for more detailed information about health services. Additionally, "HAAD", the Abu Dhabi Health Insurance website, provides an online grievance portal for complaints and queries related to Health Insurance matters.
Should you require legal advice concerning health insurance in Abu Dhabi, it is recommended that you contact a legal expert with a specialisation in UAE insurance laws. They would be able to assist you with advice, representation, and facilitate understanding about the unique local laws and regulations pertaining to health insurance. Also, if you have any complaints or disputes, filing an online grievance through the HAAD portal could be a starting point.
