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Frequently Asked Questions (FAQ)

Health Insurance

In 2014 Dubai Health Authority (DHA) has announced the mandatory Medical Insurance for all UAE Nationals & Expatriates, residing in the Emirate of Dubai. The mandatory Essential Benefits Plan (EBP) is for lower salary band employees and dependents
NO, you must have medical insurance as the visa renewal process is linked to medical insurance and effective from 1st January 2017
This is limited to you parents, spouse or children who are on your sponsorship. The EBP plan covers all those earning a gross salary of AED 4,000 or below, no matter what their pre-existing / chronic medical conditions are, they will pay the premium which has been approved by the DHA.
The basic cover includes emergencies, outpatient consultancy at clinics, referrals to specialist, diagnostic investigations, medications, maternity and inpatient treatment. Please refer to your policy and table of benefits for a full detailed breakdown of coverage.
Deductible is the amount that must be paid by patient to the physician before an Insurance Company will pay any expenses.
Outpatient: A patient who is not hospitalized overnight but who visits a hospital, clinic, or associated facility for diagnosis or treatment.

In-Patient: An insured who is registered as a bed patient in a hospital and incurs daily room charges.
If your spouse’s employer does not provide cover, your sponsor is responsible for making sure you have medical insurance.
Coinsurance is a percentage of the costs of outpatient treatment (such as consultations, diagnostics etc) that you are responsible for.  For example, if you have 10% coinsurance and your bill comes to AED 100, you are responsible for AED 10.
This is limited to your dependent children, parents and spouse who are on your sponsorship.

Home Insurance

This type cover protects the physical structure of the property along with other building materials such as pipes, cables, water tanks …etc. against damage caused by a variety of sources such as fire, flooding, lightning, riots, earthquakes …etc. Each Insurer has their own limits and exclusions list so it’s highly recommended to read through the wording of such policies to ensure it covers your requirements.
In contrast to Portable Possessions Cover; this type of cover protects the Insured against damages and/or losses to equipment and materials normally stored and used within the boundaries of the property. Each insurer will impose an upper limit that can be claimed against such items; any items the Insured wishes to include and cover beyond this limit must be specifically listed by description and value, and then submitted to the Insurer to be considered in the final policy premium calculation. It is normally expected that receipts for such items are presented at the time of submitting a claim.
This cover compensates the Insured person for losses and damages caused to a specific range of portable possessions whether the loss/damage takes place inside or outside the property. This type of cover is not always included in standard home insurance policies and in such cases you would have to specifically request it to be included.
This is the amount you must pay towards each separate claim you make against your policy. The Excess amount will be indicated within the policy and can vary from one insurance company to another.
Single Article Limit or Single Item Limit is the maximum amount that can be claimed against a single item. The limit is identified in the policy and some insurance companies may have separate limits under Home Contents and Personal Belongings. Most insurance companies will require you to declare items (contents or personal belongings) that exceed these limits and may request copies of receipts or documentation to prove you own them before they include them in your policy cover. By declaring the items beforehand they will not be subject to the single Article Limit, however your personalised policy may result with an increase in premium (the price you pay for the policy) .

Travel Insurance

Sickness or accidental bodily injury incurred while outside the country of residence. Expenses covered normally include required hospitalization, ambulance costs, medication, treatments and required out-patient follow ups.
Trip Curtailment is when you have cut your trip short due to unavoidable circumstances which normally include injury, sickness or death of either yourself or traveling companions. If this happens there will be a reimbursement amount that goes towards compensating you for any non-refundable costs paid for in advance.
Single trips insurance will cover you for one trip for a predetermined period of travel. Annual trip cover allows for multiple trips to different locations for undetermined periods of travel (subject to a maximum limit of days away from country of residence per single trip). If you are a regular traveller then Annual cover will normally be the most cost effective solution.
Insurance companies have differing definition of pre-existing medical conditions but in essence it’s defined as any ongoing or reoccurring medical condition or any medical complication directly attributable to a pre-existing condition. Most travel insurance policies will exclude covering any costs associated with pre-existing conditions.
This is the amount you must pay towards each separate claim you make against your policy. The Excess amount will be indicated within the policy and can vary from one insurance company to another.

Business Insurance

This type of cover aims to protect the insured business in cases of an unwanted interruption to commercial operations. Interruption could arise from a variety of causes such as damage or destruction to the business premises, stolen property …etc. This type of cover can compensate the business against loss of revenue, cost of recovery/setting up and can also cover equipment, tools, machinery and stocks/inventory.
There are many factors which determine the calculation of a business insurance policy premium such as the nature of the business, the scope of cover, the size of the business, claims history of the business…etc. Normally an expert broker/insurer will consult with the client to identify the best solution to meet the business’ budgetary, commercial and insurance requirements.
Any general phenomenon  that  arises  from  nature  such as  floods, tornadoes, hurricanes, volcanoes, earthquakes and  quakes, and  leads  to  extensive  and  widespread damage.

Car Insurance

No Claims discount (or No Claims Bonus) is a type of conditional discount that an insurance company may decide to offer you based on your driving history and in particular the number of years you have been driving without claims. Normally you would be requested to provide a No Claims Certificate from your previous insurer(s) to support your claim of NCD, this can take a few days to obtain depending on the insurance company.
Comprehensive cover (or Fully Comp) is the highest level of cover as it includes Third Party Liability which protects you from legal claims submitted by a third party in cases where the accident is deemed to be your fault. It goes further and also protects/compensates you against damages to your own materials, vehicle and property, injury or death of the driver and any passengers even if the accident was considered to be your fault.
This is the minimum policy cover required by UAE law. It provides cover against death or bodily injury to any third party and any damage to their vehicles. However, it won’t cover repairs to your motorbike, personal medical expenses or theft.

Motorbike Insurance

No Claims discount (or No Claims Bonus) is a type of conditional discount that an insurance company may decide to offer you based on your driving history and in particular the number of years you have been driving without claims. Normally you would be requested to provide a No Claims Certificate from your previous insurer(s) to support your claim of NCD, this can take a few days to obtain depending on the insurance company.
Comprehensive cover (or Fully Comp) is the highest level of cover as it includes Third Party Liability which protects you from legal claims submitted by a third party in cases where the accident is deemed to be your fault. It goes further and also protects/compensates you against damages to your own materials, vehicle and property, injury or death of the driver and any passengers even if the accident was considered to be your fault.
This is the minimum policy cover required by UAE law. It provides cover against death or bodily injury to any third party and any damage to their vehicles. However, it won’t cover repairs to your motorbike, personal medical expenses or theft.


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