Dubai Mein Health Insurance Kyun Zaroori Hai?
Dubai ek aisi jagah hai jahan “Health is Wealth” sirf ek kahawat nahi, balki ek kanoon (Law) hai. 2026 mein Dubai Health Authority (DHA) ne naye rules implement kiye hain jo har resident, expat, aur visitor par apply hote hain. Agar aapke paas sahi insurance nahi hai, toh aapko visa renewal mein masla ho sakta hai aur bhari fines bhi dene pad sakte hain.
Is article mein hum cover karenge:
- 2026 ke naye DHA Rules.
- Cheapest plans (EBP) ki details.
- Top 5 Insurance companies ka comparison.
- Fines se kaise bachein.
1. New Mandatory Rules 2026 (DHA Updates)
Dubai Health Authority ne 2026 mein system ko mazeed digital aur transparent bana diya hai.
- Mandatory for All: Ab har visa holder (chahe wo newborn baby ho ya senior citizen) ke liye insurance lazmi hai.
- Visitor Insurance Integration: Pehle visitor insurance optional lagta tha, lekin ab immigration system insurance portal se link hai. Insurance ke bina entry permit generate nahi hoga.
- The AED 500 Fine Rule: Agar aapne apna ya apne dependents ka insurance lapse hone diya, toh har mahine AED 500 ka fine automatically aapke Emirates ID par chadh jayega.
2. Essential Benefits Plan (EBP) – Sabse Sasta Option
EBP un logo ke liye design kiya gaya hai jin ki monthly salary AED 4,000 se kam hai.
| Feature | Details |
|---|---|
| Annual Premium | AED 525 – AED 650 (Approx) |
| Annual Limit | AED 150,000 per year |
| In-patient Coverage | 80% Covered (20% Co-pay by patient) |
| Out-patient (OPD) | 70% Covered |
| Maternity Cover | Included (Normal & C-Section limits apply) |