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Dubai Health Insurance Corporation

Dubai Health Insurance Corporation is affiliated with the Dubai Health Authority by Resolution No. (17) of 2018, issued by His Highness Sheikh Mohammed bin Rashid Al Maktoum, Vice President and Prime Minister of the United Arab Emirates and Ruler of Dubai, regarding establishment of Institutions Affiliated to the Dubai Health Authority and Determining their competences. The Corporation is responsible for managing and supervising health insurance in the Emirate of Dubai by applying legislation.

Enaya ISAHD Special Programmes HICAL Basic Packages

Enaya

The Emirate of Dubai has unified all government health insurance systems under one umbrella, which is the Unified Government Health Insurance System, "ENAYA Program," covering the citizens of Dubai, Dubai government employees, and their families.

This transformation aims to provide an integrated and advanced system for insurance beneficiaries, allowing them to access high-quality medical services and exceptional healthcare.

The Unified Government Health Insurance System offers comprehensive medical services on a broad scale, enabling beneficiaries to take advantage of the available services.

Unifying government insurance program “Enaya”

The Unified Health Insurance System "Enaya," which includes "Saada" insurance and other government-related insurance plans in Dubai, aims to provide an integrated and advanced experience for beneficiaries, enabling them to access high-quality medical services and exceptional healthcare.

The system also allows for the provision of necessary medical services on a wide scale, through collaboration with claim management companies to ensure the delivery of healthcare efficiently and with high quality for the beneficiaries.

Beneficiaries of the Unified Health Insurance Program can communicate directly with the Dubai Health Authority or the Human Resources Department employees 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

The Dubai Health Authority provides specialised programmes for patients with more focus on outcome of care, such as the “EJADA” programme.

EJADA Programme

The “EJADA” programme was launched in November 2022 as a mechanism of modern techniques and tools to measure health quality indicators in the Emirate of Dubai to provide high-quality services in line with global indicators while reducing expenses and measuring the extent of patient benefit.

Recently, we have begun to employ artificial intelligence technology to identify members of society most at risk of contracting diseases before they occur and reduce the complications of the disease in the event of infection.

Objectives of the "EJADA" Programme:

• Providing high-quality services in line with global indicators while reducing the cost

• Improving the patient's quality of life by focusing on health outcomes

• Avoiding infecting the group most vulnerable to chronic diseases

• Ensuring the patient's quality of life by preventing or reducing complications of chronic diseases when it happens

Expected Results of the EJADA Programme:

• High-quality services at lower expenses

• Measurements of the extent to which the patient benefits from the health services provided.

• Reduction of incidence of chronic diseases as a result of early detection

• Reduction in disease side effects

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