The Department of Health – Abu Dhabi (DoH) has partnered with the Abu Dhabi Department of Economic Development (ADDED) to introduce a flexible health insurance option in Abu Dhabi, aimed at attracting entrepreneurs and investors who want to live and work in the emirate.
The policy also aims to improve access to world-class healthcare services for all members of the community in line with high standards of quality and efficiency, DoH said in a statement.
The ‘flexible health insurance’ policy is designed to meet the rising needs of the market and targets current and future entrepreneurs and investors, while encouraging more investment in the emirate.
It provides an insurance option at a low and competitive cost, with flexible coverage that can be upgraded in agreement with the insurance provider. Several categories can subscribe to the new insurance option according to conditions set by the DoH, the statement said.
Health insurance providers will evaluate the condition and medical record of the insured to determine whether they will accept the request for inclusion in the ‘flexible health insurance’ policy.
Flexible health insurance benefits
The policy benefits expatriates residing in the emirate who work in the private sector, provided that their monthly income exceeds AED5,000.
It also includes investors and holders of free business licenses, their families and employees, as well as the family of the resident expatriate and their workers who are not covered by health insurance from the employer.
The ‘flexible health insurance’ policy is characterized by insurance coverage for the costs of treatment services amounting to AED 150,000 annually, 100 percent emergency coverage, 20 percent copay of the cost of all outpatient treatment services and 30 percent copay for medications.
Policyholders can benefit from healthcare services in a network of healthcare providers in the emirate, with the possibility of upgrading insurance coverage according to the patient’s needs.
Companies or individuals wishing to subscribe to the ‘flexible health insurance’ policy must contact health insurance companies when the current health insurance policy is about to expire to obtain more details and apply to the ‘flexible health insurance’ if the eligibility conditions are met.
According to Dr. Mariam Al Mazrouei, Executive Director of Healthcare Payers Sector at the DoH, the policy is part of the department’s efforts to provide world-class health services to all members of the community.
“The ‘flexible health insurance’ policy in cooperation with the Abu Dhabi Department of Economic Development (ADDED) was initiated with the aim of providing a health insurance package that enhances competitiveness in the sector while attracting businesses in the private sector. This is in light of what Abu Dhabi represents as a leading destination for those wishing to develop their businesses in various fields, due to its advanced infrastructure and incentive measures,” she said.
Meanwhile, Hala Khaled Al Ameri, Executive Director of the Competitiveness Office of Abu Dhabi (COAD) at the ADDED, said the policy will reduce costs on investors and talents in the private sector while providing a world-class healthcare experience with the flexibility to matchmake a healthcare package based on customer needs, geographical coverage, and benefits.
“Initiatives such as the flexible health insurance, eases the burden on businesses especially startups, as they join the business world. The new policy will reduce costs on investors and talents in the private sector whilst providing a world-class healthcare experience with the flexibility to matchmake a healthcare package based on customer needs, geographical coverage and benefits,“ she said.
Since its launch in 2005, Abu Dhabi’s health insurance system has improved community members’ access to healthcare services, increased competitiveness among healthcare providers in the emirate, improved the quality of services, and consolidated Abu Dhabi’s position as a leading healthcare destination in the world.
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