Abu Dhabi Adjusts Co-Payment for Basic Health Insurance Plan Starting July 1

Basic Health Insurance Plan for Abu Dhabi has been released with new rules and regulation for subscription to operate from 1st July 2024. The updates are expected to be put into practice by National Health Insurance Company – Daman, whereby co-payment policies are to be rationalized for all the residents of the emirate.

The new guidelines highlight diagnostic services, laboratory services, inpatient services, and same day admitting procedures. Here are the key updates:Here are the key updates:

Diagnostic Services: A co-payment of Dh20 and deducting 20% of the actual costs of the consultation charge along with other non-insured services such as laboratory tests and radiology with a maximum of Dh50 per visit.

In-Patient Services and One-Day Procedures: This was in form of bracketed co-payment of Dh200 per service up to maximum of Dh500 per calendar year.

Medication Coverage: The plan holders will be given Dh250 per account per annum towards cost of medication where plan holders will be required to pay 30% of the cost of the medication to the healthcare service providers.

Annual Premium Adjustments:

For domestic helpers under 60, sponsored by UAE nationals, the regulatory annual premium is fixed as Dh750:

Just as pointed out in the case of social health assurance, BHI has been reviewed sometimes differently based on the other categories or age range.

Main Benefits Unchanged:

Thus, while most of the enhancements have been made to the Basic Health Insurance Plan, its core advantages would remain unchanged. The annual limit of insurance remains an insured amount of DH 250,000; enabling health care and emergency services in more than 1250 health care centres in Abu Dhabi, Al Ain and Al Dhafra. This comprises of the Centres of Excellence (CoEs) in Abu Dhabi that include the Cleveland Clinic Abu Dhabi for adult cardiac surgery and stroke, the SSMC for stroke and the SKMC for paediatric cardiac surgery.

The latter will also be delivered to plan holders, as circuit services, physiotherapy, ambulance, maternity, and more.