If you are working for a private family, for example as a maid, a nanny, a gardener or a driver, it will be your sponsor’s responsibility to provide you with medical insurance.
Dubai Health Authority encourages employers to provide medical insurance for the spouse or dependents of its employees. However, if an employer does not provide cover, then your sponsor will need to arrange cover for you.
If you work for a Dubai registered employer (including a Free Zone company), your employer is required by law to provide you with a health insurance plan.
Each insurance company has its own period through which pre-existing conditions are not covered.
A pre-existing condition is any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the X years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
Reimbursement is the act of compensating someone for an out-of-pocket expense by giving them an amount of money equal to what was spent. ... Reimbursement is also used in insurance, when a provider pays for expenses after they have been paid directly by the policy holder or another party
Direct billing occurs when doctors or medical providers send their bills straight to the health insurance company for payment, rather than having the patient receive the bill and file the claim.
Medical evacuation is the timely and efficient movement and en-route care provided by medical personnel to wounded being evacuated from a battlefield, to injured patients being evacuated from the scene of an accident to receiving medical facilities, or to patients at a rural hospital requiring urgent care at a better-equipped facility using medically equipped ground vehicles (ambulances) or aircraft (air ambulances).