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Dubai Health Insurance Corporation

Dubai Health Insurance Corporation is responsible for:

• Regulating the health insurance market and ensuring the rights of the insured population in Dubai

• Implementing health insurance laws in Dubai for the entire Dubai population (locals and residents)

• Planning and implementing health insurance plans for locals and residents

• Licensing insurance companies, TPAs, brokers and health services providers

• Monitoring the health insurance system

• Regulating prices of health services and health insurance policies

• Managing the government health insurance scheme (ENAYA)

• Conducting reports and relevant studies on health insurance and health economics

DHA Insurance Service Catalogue

PDF - 140 KB

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Enaya ISAHD iPromes HICAL Basic Packages

Enaya

The Emirate of Dubai has unified all government health insurance systems under one umbrella, which is the Unified Health Insurance System "Enaya", which included "Saada" program and other government insurance programs. This transformation aims to surround the insurance beneficiaries with one more advanced integrated system, and enable them to obtain high-quality medical services and high-level health care, according to a press release.

The process of including Government health insurance systems in a unified system came after a study in the light of close cooperation between the Dubai Health Authority, the Dubai Government Human Resources Department, and the Dubai Finance Department, under the follow-up and supervision of the General Secretariat of the Executive Council.

Where the study and detailed discussions took into account the interest of the insurance beneficiaries, and the health well-being of all. It also took into account the changes and developments in the local and global health arena, which called for strengthening the preventive aspect of individuals, and providing everything that ensures their optimal medical care.

The unified government health insurance system provides the required medical services on a large scale, through a claims management company.

Beneficiaries of the unified system can review the Human Resources Department, each in his workplace or through direct contact with the Dubai Health Authority to obtain more information.

Enaya Beneficiary Guide

PDF - 1.4 MB

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ISAHD - Insurance System for Advanced Healthcare in Dubai

Insurance System for Advancing Healthcare in Dubai (ISAHD) is a comprehensive initiative of Dubai Health Insurance Corporation - Dubai Health Authority intended to provide sustainable highquality healthcare in Dubai for nationals, residents and visitors, in a quest to become the #1 healthcare system in the world. ISAHD, in Arabic means ‘bringing happiness’, inspired by UAE Vice President, Prime Minister and Ruler of Dubai, His Highness Sheikh Mohammed bin Rashid Al Maktoum vision and the government’s main role to bring happiness to its people.

ISAHD has three main pillars:

First: to advise on the insurance coverage, laws and any other insurance related questions

Second: to monitor and introduce enhancements towards a sustainable high quality healthcare system

Third: to play a key role in the licensing process for insurers, intermediaries and TPA’s

iPROMeS - Insurance Partner Relation Management e System

The "iPromes" interactive platform aims to ensure the provision of high quality services to customers in Dubai and enhance the performance of the health sector, solving the complaints which are received by the providers, insurance companies and members in Dubai.

HICAL - Health Insurance Compliance and Audit Log

“HICAL” aims to control and monitor cases of fraud, waste and abuse of insurance providers to ensure the provision of highquality healthcare services of these parties in the market. You may submit a report if you suspect or doubt any potential manipulated service from an Insurance provider in Dubai.

Qualified Insurance Companies

Insurance Company Name	Contact Number	Insurance Price	Registration Link	Benefit Network
Qatar Insurance Company	800 4742	597	Click here	Click here
Cigna Insurance Middle East	04-5127100	730	Click here	Click here
Union Insurance Company	800 84248	550	Click here	Click here
National General Insurance Company PJSC - NGI	04 – 211 5800	550	Click here	Click here
AlBuhaira National Insurance Company	600 545459	550	Click here	Click here
Sukoon	971 5 51609342	560	Click here	Click here
Dubai National Insurance Company	600 580000	535	Click here	Click here
Islamic Arab Insurance Co. (SALAMA)	800-725262	600	Click here	Click here
Abu Dhabi National Insurance Company PJSC (ADNIC)	800 8040	575	Click here	Click here
Dubai Insurance Company	800 382467	550-750	Click here	Click here
American Life Insurance Company (MetLife)	971 4 415 4555	550	Click here	Click here
Noor Takaful	800-Takaful (825 2385)	550	Click here	Click here
Al Saqr National Insurance Company	971 4 7028500	525	Click here	Click here
Orient Insurance PJSC	800 ORIENT (674638)	550	Click here	Click here

Benefits and Insurance Packages

Annual upper aggregate claims limit (including any coinsurance and/or deductibles) is 150,000 AED.

Geographic scope of coverage:

For Basic healthcare services, within the Emirate of Dubai (and other emirates or countries at the discretion of the insurer).
For Emergency medical treatment (Including Ambulance Charges), within all emirates of the UAE.

Provider network:

Limited network is acceptable.
The network must provide reasonable geographic access for the insured in relation to place of work and residence.

Pre-existing Conditions

Basic Healthcare Services: In-patient treatment at authorized hospitals

Basic Healthcare Services: Out-patient services in authorized out-patient clinics; clinics of hospitals and health centers