How to get Health Insurance for Low Earners or Unemployed in Dubai?

Dubai has an Essential Benefits Plan (EBP), which provides medical coverage to people who earn very low salaries. This plan is mainly for residents who make below AED 4,000. It also covers their dependents.

The EBP plan has a fixed cost of AED550-AED650 annually and covers maternity, medication, tests, surgeries, emergencies, and outpatient and inpatient treatments. This cover also has some limitations such as:

• Basic healthcare in Dubai
• An annual claim limit of AED 150,000
• Zero inclusion for pre-existing or chronic conditions in the first six months
• A 20% co-pay capped at AED 500 per visit for essential inpatient healthcare services
• An annual cap of AED 1,000 for inpatient services
• An annual limit of AED 1,500 for medicine or prescription
• A 30% co-pay for every prescription

The plan covers maternity women’s healthcare, including outpatient antenatal services and inpatient services at birth. This includes up to AED 7,000 for a vaginal birth delivery and up to and up to AED 10,000 for a medically necessary caesarian section.

Additionally, a mother’s EBP plan includes 30 days of coverage for a newborn child. This covers screenings and tests. It is important to note that the UAE government only allows some insurance companies to provide EBP.

Remember, EBP is only available to employees who earn below 4,000 AED per month. However, it provides the same coverage as public healthcare insurance coverage. If you are a domestic worker, your employer should provide you with healthcare.