Where can I buy insurance for Dependents or Nannies in Dubai or UAE

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The UAE has now implemented the rule that every UAE resident should have mandatory medical insurance, this includes domestic workers and dependents (children/ spouses/ parents) of working residents.

We’ve searched the internet for insurance companies providing medical insurance for their dependents of individual sponsors, and for residents earning AED4,000 or less that includes housemaids.

Here is quick reference, along with links to the websites and their phone numbers.  The challenge then is to compare for cost-friendly insurances that are at the same time providing the most benefits.

1. TAKAFUL EMARAT – Dubai Basic Plan
A few quick notes from their website:
– not applicable for members residing or working in Abu Dhabi
– Eligibility for their Dubai Basic Plan: Employees earning monthly gross salary of AED 4,000 or below or Not active at work members who Dependents or Parents
– Annual Contribution:

Members Annual Premium per person (AED)
Domestic Workers with a salary of AED 4,000 or below AED 650
Not active at work Members from 0 up to 65 years AED 650
Not active at work Married Females from 18 years up to 45 years AED 1,750
Not active at work Parents AED 2,500

For more details and updates in the medical insurance provided, please check Takaful’s website: Takafu

2. ORIENT INSURANCE
Orient Insurance is owned by Al-Futtaim Group Co. Their insurance services include Medical Insurance for individuals, dependents and family.

Medical Insurance (Individual/Family) Plans Click links to download the documents
DHA Essential Benefit Plan (Now called EMED) Schedule of benefits
DMED Non-Working Dependents Individual Medical Policy Schedule of Benefits
Family Care Plan –  Dubai Schedule of benefits
Exclusion
Family Care Plan – Abu Dhabi & Al Ain Schedule of benefits
Family Care Plan – Policy Package Policy wordings
User Guide

For more information on policies from Orient Insurance, check their website here.

OTHER INSURANCE COMPANIES:

Quite helpful in searching for Essential Benefits Plan medical insurance is the www.isahd.ae website (the Insurance System for Advancing Healthcare in Dubai, an initiative of the Dubai Health Authority) that lists down the 2017 participating insurers for the Essential Benefits Plan. This plan is for residents  who are earning less than AED4,000 a month. The costs are priced low but  provides the level of health insurance that meets or exceeds minimum benefits stipulated by DHA.

Name Link to Website Contact Phone No.
AXA INSURANCE AXA Gulf 8004845
RAS AL KHAIMAH NATIONAL INSURANCE COMPANY RAK Insurance 8007254
NATIONAL HEALTH INSURANCE COMPANY (DAMAN) Daman Health 80032626
OMAN INSURANCE COMPANY Tameen: DHA Individual Plans 8001642
ORIENT INSURANCE PJSC http://www.insuranceuae.com/ 800674368
METLIFE ALICO Metlife 800 20638 – 5433
TAKAFUL EMARAT – INSURANCE http://www.takafulemarat.com/en/ 800834
DAR AL TAKAFUL (P J S C) http://www.dat.ae 800 20825 – 2385
NATIONAL GENERAL INSURANCE COMPANY http://www.ngi.ae/ 04-2115800
Abu Dhabi National Insurance Company (ADNIC) http://www.adnic.ae/ 8008040
Union Insurance https://www.unioninsurance.ae/ 800 UIC4U(84248)
Noor Takaful http://www.noortakaful.com/ 8006667
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