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General Questions
Individual Medical Insurance
Individual medical insurance in Dubai generally covers doctor visits, hospital stays, surgical procedures, emergency services, maternity care, and prescription drugs. Coverage details vary depending on the policy.
Yes, medical insurance is mandatory for all Dubai residents, including expatriates. The Dubai Health Authority requires all residents to have a minimum level of health insurance.
This depends on the insurance plan you select. Some plans offer a wide network of hospitals and doctors, while others may have more limited options. It's important to check the network list provided by your insurance provider.
Changing your insurance provider or plan is usually subject to certain conditions and timeframes. You may need to wait for the renewal period to make changes.
The claims process can vary. Some insurance providers offer direct billing with network hospitals and clinics, meaning you don't need to pay upfront. Others might require you to pay and then submit a claim for reimbursement.
Coverage for pre-existing conditions varies by policy. Some insurers may cover them with certain conditions or waiting periods, while others may exclude them. It's crucial to check this aspect when choosing a policy.
Dental coverage is not always included in basic health insurance plans. It is often available as an additional benefit or a separate policy.
The cost varies based on factors like age, health history, level of coverage, and insurer. Basic plans are more affordable, but comprehensive plans cost more.
Visitors to Dubai are typically not covered under local health insurance schemes. They should obtain travel or international health insurance before arriving.
Coverage for alternative treatments depends on the insurance provider and the specific policy. Some may offer limited coverage for such treatments.
Maternity coverage is typically included in most health insurance plans, but the extent of coverage can vary. Some plans may have waiting periods or specific limitations on maternity benefits.
: If your medical insurance is provided by your employer, losing your job generally means losing your insurance coverage. However, you can purchase an individual policy to ensure continuous coverage.
Many health insurance plans in Dubai cover preventive services, including vaccinations. However, the extent of coverage for preventive care can vary between different policies.
Consider factors like coverage extent, network hospitals, premium costs, deductible amounts, and coverage for pre-existing conditions. Comparing different plans and consulting with insurance experts can help make an informed decision.
Some comprehensive medical insurance plans may offer international coverage, but this is not standard. Check with your insurance provider about the scope of international coverage.
A deductible is the amount you pay for health care services before your insurance plan starts to pay. A co-pay is a fixed amount you pay for a health care service, usually when you receive the service.
Most insurance providers offer the option to add family members to your plan, but this will increase your premium. Each family member's age and health status may also impact the overall cost.
The time frame for reimbursement can vary depending on the insurance provider and the complexity of the claim. Generally, it can take from a few days to several weeks.
Coverage for mental health services varies widely among insurance policies. Some may offer limited coverage with specific conditions, while others might not cover mental health services at all.
If your claim is denied, review the reason for denial and ensure all required documentation was provided. You can appeal the decision with your insurance provider or seek assistance from the Dubai Health Authority if needed.
General Questions
Group Medical Insurance
Group medical insurance is a health cover provided by employers to their employees. It typically covers medical expenses for employees and sometimes their dependents.
Yes, it is mandatory for all employers in the UAE to provide health insurance coverage to their employees.
Yes, most group medical schemes allow the inclusion of dependents, such as spouses and children, at an additional cost.
Coverage for pre-existing conditions varies between policies. Some schemes may cover them, while others may impose waiting periods or exclusions.
Standard coverage often includes outpatient consultations, prescribed medication, emergency medical services, hospitalization, and sometimes dental and optical care.
Claims are usually processed through a network of approved healthcare providers. Employees may need to show their insurance card and may have to pay a deductible or co-payment.
Yes, maternity benefits are typically covered, but there might be waiting periods and certain limits on expenses.
This depends on the insurance policy. Some policies have a network of healthcare providers that employees are required to use.
Coverage usually ends when the employment contract is terminated. Some policies may allow for an extension of coverage for a limited period.
Dental coverage varies. Some policies include it as standard, while others offer it as an optional add-on.
Coverage for alternative therapies, like chiropractic or homeopathy, is not standard and depends on the specific policy.
Preventive health check-ups may be covered under some policies but are not universally included.
Coverage requirements might slightly vary among different Emirates due to regional regulatory policies.
Usually, medical examinations are not required for group medical insurance enrollment.
Premiums are generally based on factors like the number of employees, the type of coverage, claim history, and sometimes the age group of employees.
Some group medical insurance policies cover mental health treatments, but it's not universally included.
A co-payment is a fixed amount that the insured must pay out-of-pocket for a covered healthcare service, with the insurance covering the rest.
Customization options are usually limited in group schemes, as the employer typically selects the policy.
Coverage for international travel depends on the policy. Some group medical insurances offer international coverage, while others may require additional international health insurance.
General Questions
SME Medical Insurance schemes
SME Medical Insurance is health insurance tailored for small and medium-sized businesses, providing medical coverage for employees and often their dependents.
Yes, in the UAE, it's mandatory for all employers, including SMEs, to provide health insurance coverage to their employees.
Yes, most SME medical insurance plans offer the option to include coverage for employees' families, although this might increase the premium.
This depends on the policy. Some insurers might cover pre-existing conditions immediately, while others may have waiting periods or exclusions.
Coverage often includes outpatient consultations, hospitalization, emergency services, prescribed medication, and sometimes dental and optical care.
Claims are usually processed through a network of approved healthcare providers, where employees present their insurance card and pay any applicable deductible or co-payment.
Maternity benefits are typically included, but there may be waiting periods and caps on expenses.
This depends on the network provided by the insurance plan. Some plans offer flexibility, while others require using specific network providers.
Coverage typically ends when an employee leaves the company. Some plans might offer a temporary extension or conversion to an individual policy.
Dental coverage varies. It may be included in some plans or offered as an add-on in others.
Coverage for alternative therapies depends on the specific policy and is not standard.
Some policies may cover preventive health check-ups, but this is not universal.
Yes, SMEs can change their insurance provider, usually at the renewal date of the policy.
Coverage requirements can vary slightly due to different regional regulatory policies in various Emirates.
Generally, medical examinations are not required for enrollment in SME Medical Insurance.
Premiums depend on factors like the number of employees, type of coverage, claim history, and sometimes the age group of employees.
Some SME medical insurance plans cover mental health treatments, but coverage varies.
A co-payment is a fixed amount paid out-of-pocket by the insured for a covered service, with the rest covered by insurance.
Customization options are typically limited, as plans are pre-designed for SMEs. However, some level of tailoring is possible.
International coverage depends on the policy. Some plans may include it, while others might require an additional international health insurance policy.
General Questions
Motor Insurance Policies
Yes, it's legally required to have at least third-party liability insurance for any vehicle in the UAE..
Comprehensive insurance covers damage to your own vehicle and third-party damages, while third-party insurance only covers damages to other vehicles or property.
Yes, but most banks require comprehensive insurance for financed vehicles.
Not always. Off-road coverage is often optional and needs to be included specifically.
Personal injury coverage depends on the policy. Some policies include it, or it can be added as extra coverage.
Yes, but you need to inform your insurance provider, and there may be adjustments in the premium.
Factors include the type and age of the vehicle, driver’s age and driving history, coverage type, and vehicle usage.
It's a discount on your premium if you have not made any claims in the previous policy year.
Yes, but it may result in higher premiums.
Usually, this is covered under comprehensive policies, but with certain conditions.
Yes, most policies allow adding multiple drivers, sometimes at an additional cost.
Report the accident to the police immediately, and then inform your insurance company.
Yes, but the insurance premium may be higher due to the increased risk associated with older cars.
Generally, no. Car color usually doesn’t impact insurance premiums in the UAE.
Yes, but you need to declare all modifications to your insurer, and it might affect the premium.
It means repairs are done at the manufacturer’s authorized dealerships. It's often an optional add-on.
This varies but usually takes a few days to a few weeks, depending on the complexity of the claim.
If they are named on your policy, the insurance should cover it. If not, it could complicate the claim.
Yes, but there might be cancellation fees, and you might not get a full refund of the premium.
It’s not always included as standard but can often be added to a policy.
Compulsory coverages
for a motor policy in UAE
Covers damages to another person’s vehicle or property and injuries to other people resulting from an accident you caused.
This is part of TPL and covers injuries or death to third parties in an accident you are responsible for.
Optional coverages
for a motor policy in UAE
Covers damages to your own vehicle in addition to the third-party coverage. It can include damages from accidents, theft, fire, and natural disasters.
Pays for damage to your vehicle resulting from a collision, regardless of who is at fault.
Provides compensation for death or specific types of injuries to the driver and passengers as a result of a motor accident.
Assistance in case of vehicle breakdown, including services like towing, battery jump-start, flat tire change, and lock-out assistance.
Ensures that in case of an accident, repairs are carried out in authorized dealerships or manufacturer’s authorized service centers.
For vehicles capable of off-road driving, this covers any damage that occurs off the standard roads..
Covers the cost of repairing or replacing your car's windscreen if it gets damaged.
Covers your vehicle against theft and damage due to fire.
Provides a replacement vehicle while your car is under repair.
Extends coverage to other Gulf Cooperation Council countries, useful if you frequently travel across borders in the region.
Protection against damage from natural disasters like floods, earthquakes, and storms.
Compensation for loss of personal items from the car in case of theft or damage.
Protects your no-claim bonus even after making a claim, helping keep premiums lower.
Differences between DHA and HAAD
(DOH) individual basic Policies
• DHA policies cover healthcare services within Dubai primarily.
• HAAD (DOH) policies focus on services within Abu Dhabi.
• DHA has specific minimum coverage limits set for its basic policies.
• HAAD (DOH) sets different minimum limits for its basic policies.
• DHA policies have a certain annual aggregate limit.
• HAAD (DOH) basic policies may have different annual aggregate limits.
• DHA policies include specific maternity coverage limits and conditions.
• HAAD (DOH) has different standards and limits for maternity coverage.
• DHA policies may cover pre-existing conditions differently.
• HAAD (DOH) policies have their own rules regarding pre-existing conditions.
• Premiums for DHA basic policies are set based on Dubai’s market conditions.
• HAAD (DOH) policies have premium costs influenced by Abu Dhabi’s market.
• DHA policies have specific deductibles and co-pays.
• HAAD (DOH) policies might have different structures for deductibles and co-pays.
• DHA policies are accepted within a network of providers in Dubai.
• HAAD (DOH) policies have a network predominantly within Abu Dhabi.
• DHA policies have certain exclusions unique to their framework.
• HAAD (DOH) policies might exclude different services or conditions.
• DHA basic plans may offer limited dental and optical coverage.
• HAAD (DOH) basic plans might have different coverage for dental and optical.
Differences between DHA and HAAD
(DOH) individual basic Policies
• DHA policies have specific terms for pharmacy coverage.
• HAAD (DOH) policies could have different pharmacy coverage terms.
• DHA has specific eligibility criteria for basic health insurance.
• HAAD (DOH) sets different criteria for eligibility.
• DHA has distinct guidelines for policy renewal.
• HAAD (DOH) policies may follow a different renewal process.
• DHA and HAAD (DOH) have different procedures and time frames for claims processing.
• DHA’s basic policies cover emergency services under specific conditions.
• HAAD (DOH) might have different terms for emergency services.
• DHA distinguishes between inpatient and outpatient services in particular ways.
• HAAD (DOH) policies might categorize and cover these services differently.
• DHA has particular rules for covering chronic conditions.
• HAAD (DOH) policies may have different coverage for chronic conditions.
• DHA policies may require a specific referral system for specialist services.
• HAAD (DOH) might have a different referral system in place.
• DHA policies include specific coverage for mental health.
• HAAD (DOH) policies might cover mental health differently.
• DHA policies are regulated strictly under the Dubai Health Authority.
• HAAD (DOH) policies are regulated by the Department of Health – Abu Dhabi.
Metropolitan is best at rendering quality services to their customers whether they are individuals or corporates. Metropolitan focus on establishing itself as a committed, knowledge driven and customer focused entity in the insurance industry.
