For expats who are between jobs in the UAE, medical insurance is essential. But the system can be difficult and confusing to navigate. IAE Insure explain your options, costs, and how to avoid gaps in coverage.
Why You Can’t Risk a Gap in Medical Cover.
For expatriates in the UAE, health insurance is closely tied to visa status. If you lose your job or are between roles, you risk not only being uninsured but also facing complications with your residency visa. A lapse in coverage can also have medical implications. For example, pre-existing conditions might be subject to new waiting periods if you take out a fresh policy after a break.
Understanding the Costs.
Basic short-term plans can start from around AED 800-1,500, making them an affordable stopgap. More comprehensive annual plans can cost AED 3,000-10,000 or more, depending on age, medical history, and the scope of coverage. While the latter may seem expensive, it can be worth the investment if it provides benefits and networks that match your healthcare needs during a transitional period.
Practical Steps for a Smooth Transition.
If possible, speak to your previous employer to see if they can extend your existing coverage until your visa is transferred. Avoid any lapse by arranging your new policy before cancelling the old one. Keeping up-to-date medical records and prescriptions will also make the transfer between insurers much smoother.
Protecting Your Health and Residency Status.
Maintaining continuous medical insurance while between jobs is about more than meeting legal requirements; it is about safeguarding your health and financial security. With the right policy in place, you can navigate the transition confidently, knowing you are protected no matter what comes next.
IAE Insure have years of experience in helping our customers find the best medical insurance for their needs. If you’re an expat between jobs, contact us today to find the perfect medical cover.
