The Dubai Health Insurance Corporation (DHIC) is Dubai’s leading health insurance provider, ensuring that residents and nationals are adequately covered. This organisation is in charge of licensing insurance firms, brokers, third-party administrators (TPAs), and healthcare providers, policing the health insurance market, and defending the insured’s rights.
Are you in need of a good health insurance program? If you are a resident of Dubai, then choosing Enaya as a health insurance program will be a valuable decision.
Let’s give you a comprehensive overview of the Enaya Healthcare program.
What is Enaya Healthcare?
Enaya Healthcare is the unified health insurance system. With all the government health insurance programs are combined under one roof. Enaya provides complete coverage for various medical issues, including acute and chronic, and is especially intended for Dubai residents and government workers.
This program allows eligible individuals to receive exceptional healthcare without worrying about high costs.
Enaya Healthcare Services
Enaya gives several healthcare advantages. Two primary firms are responsible for providing medical services under the program:
- Almadallah
- Neurone
These businesses are critical in ensuring Enaya recipients get the finest treatment possible. Enaya provides all types of care, including emergency treatments, specialised care, and routine checkups.
Let’s get a brief information on these two companies.
Almadallah
Almadallah is a partnership program of Enaya. Get enormous valued services from this amazing healthcare program. It’s exclusively for Enaya members. They offer services like:
- Claim Management
- Network Provider
- Policy and Member Enrolment
- 2/7 Medical Authorisation
- International Patient Assistance
- Almadallah Mobile App
Their recent offers include:
- Delivery Package
- Optical Offers
- Beauty Treatments
Neuron
Neurone LLC is a third-party firm that provides comprehensive administration and management services to clients in the UAE and GCC. They offer the following services:
- Policy Management
- Claims Management
- Wellness 2 Well-Being
- Healthhub Suite
- Neuron Mobile App
They also provide access to different hospitals in Dubai, alongside clinics, pharmacies, laboratories, and diagnostic centres.
Eligibility for Enaya Healthcare
You have to fulfil certain requirements to be eligible for Enaya Healthcare benefits. The program is accessible to:
- Emirati citizens who do not currently have access to any other government insurance.
- Dubai government employees.
Eligibility of Emiratis:
- The employee, their spouse, sons up to 24 years old, girls up till marriage or work, and parents are all covered.
Eligibility for Expatriate Employees:
- The spouse and dependents will have the greatest coverage if both spouses work for the Dubai Government and have different coverage levels.
Up to three children are covered:
- Sons up to the age of 21, if they are UAE citizens and unemployed.
- Daughters up to 21 years old, if they are citizens of the United Arab Emirates, unemployed, and single.
- A covered child swap is available to employees once a year; this exchange is not retroactive.
- It can only cover one wife.
- Parents are not included.
Commitments:
- Employees and their families insured by Enaya are required to certify in writing that they do not own any other health insurance from the Dubai Government.
- HR must get workers’ written commitments to follow these regulations.
Enrol for the Enaya Program
Enaya enrollment is simple. You can visit an Enaya kiosk or register online. This flexibility makes the enrolling procedure accessible and convenient for all individuals. Here’s how you can enrol.
For Dubai citizens without other government insurance:
Online Registration:
- Call Neuron’s toll-free line for help: 800 436292.
Kiosk Registration:
Visit an Enaya Kiosk at:
- Nad Al Hamar Health Center
- Al Mizhar Health Center
- Al Barsha Health Center
- Dubai Festival Tower
- Hatta Hospital
Use the Kiosk:
- Press ‘Start’ on the screen.
- Insert your Emirates ID into the reader.
- Enter the required details.
- Enrol any other family members.
- Confirm your registration.
Note: To complete your enrolment, you must have a valid original Emirates ID.
Compliance and Regulatory Systems
Dubai is committed to maintaining the integrity and quality of its healthcare system. Enaya and other health insurance plans have many monitoring mechanisms for the best possible quality of services. Dubai adopted the following monitoring systems:
Insurance System for Advanced Healthcare in Dubai (ISAHD)
The Dubai Health Insurance Corporation launched a comprehensive effort called ISAHD. Its main objective is to establish a long-lasting, top-notch healthcare system in Dubai that equally serves citizens, locals, and tourists.
ISAHD provides information on insurance policies, legal requirements, and other relevant topics. It also significantly impacts the licensing procedure for intermediaries, TPAs, and insurers, ensuring that only authorised organisations can function inside the system.
Insurance Partner Relation Management eSystem (iPromes)
With iPromes, people can interact with insurance service providers and regulators in Dubai by voicing their thoughts, giving feedback, filing complaints, and making recommendations or praises. This system respects and expresses the opinions of the insured, promoting an open and responsive healthcare environment.
Health Insurance Compliance and Audit Log (HICAL)
HICAL monitors and controls fraud cases, waste, and abuse among insurance companies. If you suspect any manipulated services from a Dubai-based insurance company, you can report it to HICAL. This monitoring system guarantees that the healthcare system’s integrity is preserved and resources are used effectively.
Enaya Benefits
Enaya provides all-inclusive coverage to ensure that you get the best treatment available.
Prevention of Diseases
Enaya covers regular checkups and vaccinations available at all DHA facilities to help maintain health.
Maternity Care
Expecting moms and their newborns will get complete care under Enaya from the start of the pregnancy until delivery. This benefit has no waiting time, so coverage begins simultaneously, compared to other insurance.
Chronic and Pre-existing Diseases
Enaya guarantees continuous care for people in need by treating pre-existing and chronic health conditions.
Features of Enaya Healthcare
Enaya Healthcare brings comprehensive and vital services to its members, giving the best possible care. Here are some of the important features:
Second Medical Opinion
Enaya provides a second opinion if you’re unsatisfied with a treatment or diagnosis your doctor has prescribed. After reviewing your case, another doctor will offer more details, a different diagnosis, or alternate treatment options.
Case Management
It also provides case management for expensive health conditions to save expenses and enhance the quality of treatment. It involves analysing, planning, and monitoring your health requirements for successful results.
Enaya Helpline
A 24-hour customer service helpline is available to respond to any queries.
Contact Information:
- Within UAE: 800 4 ENAYA (800 4 36292)
- Outside UAE: +971 4 317 8500
Contact your HR Department for assistance if you are a Dubai Government employee.
FAQs
Enaya coverage is available to those who are either:
– A Dubai citizen with no other government insurance coverage.
– A Dubai government employee.
Enaya members pay co-insurance depending on their membership type. A deductible is required if a consultation fee is charged at DHA facilities; however, UAE nationals are free from this price.
By following these steps, you will know that one of Dubai’s top healthcare programs will easily process your application. Take the initiative right now to ensure your health and well-being with Enaya Healthcare.
Explore more about Dubai legal processes at Property Finder blogs.
