How to Check Insurance Fine in Abu Dhabi
Abu Dhabi Government has made the health insurance compulsory for all residents. When you shift to Abu Dhabi from other Emirates or you are an expat in Abu Dhabi, you have to get a basic health insurance in 14 days. After 14 days, the government will charge insurance fine on you.
In case you do not have health insurance, you have to pay the insurance fine of AED 300 every month. Keep reading ahead to know how to check insurance fine in Abu Dhabi and pay it.
Why is a Health Insurance Mandatory in Abu Dhabi?
A health insurance is mandatory in Abu Dhabi because the government aims to provide better healthcare services to all. If you do not have a health insurance, the treatment of any disease can be very expensive. If you have it, your treatment is covered by the insurance company.
As per Abu Dhabi government rules, every citizen and resident must buy a health insurance for himself and his dependents. Not having a health insurance leads to fine and delay or rejection of visa renewal. So, I strongly recommend you to get a medical health insurance ASAP.
How to Check Insurance Fine in Abu Dhabi
You cannot check insurance fine in Abu Dhabi online as there is no direct link available for it. If you want to check insurance fine in Abu Dhabi, you need to apply for a health insurance for yourself.
You can choose to apply for a health insurance online or consult a health insurance provider/broker in-person. After applying, the insurance provider will tell you if there is any insurance fine on you or not.
If there is insurance fine charged on you, first you have to pay the fine. Thereafter you will be able to buy a health insurance in Abu Dhabi.
Government Authorized Health Insurance Providers in Abu Dhabi
The health insurance is very important for every individual and every family. It provides enough coverage to provide cashless medical treatment across whole UAE.
In order to buy a health insurance in Abu Dhabi, you need to find a government authorized health insurance company. To help you find it easily, here I provide the list of authorized insurance providers as under.
| Insurance Company Name | Authorization Number |
| National Health Insurance Co. – Daman – P.J.S.C. | A001 |
| Abu Dhabi National Insurance Co. | A002 |
| AL Sagr National Insurance Co. – Abu Dhabi | A003 |
| AL WATHBA NATIONAL INSURANCE COMPANY | A004 |
| Al Buhaira National Insurance Co. – Abu Dhabi | A006 |
| Emirates Insurance Co. | A007 |
| Abu Dhabi National Takaful Co. P.S.C | A008 |
| Ras Al Khaimah National Insurance Co. – Abu Dhabi Br. | A009 |
| Al Ain Ahlia Insurance Co. | A010 |
| American Life Insurance Company – Abudhabi | A011 |
| Orient Insurance PJSC Abu Dhabi 1 | A012 |
| Alliance Insurance – P.S.C – Abu Dhabi | A013 |
| Qatar Insurance Co. – Abu Dhabi | A014 |
| Arabian Scandinavian Insurance Company (Plc) – Takaful –Ascana Insurance – Abu Dhabi | A015 |
| Al Dhafra Insurance Co. | A016 |
| CIGNA INSURANCE MIDDLE EAST S A L | A017 |
| AL Fujairah National Insurance Company | A018 |
| Arabia Insurance Company S.A.L | A019 |
| Islamic Arab Insurance Company – SALAMA | A020 |
| UNITED FIDELITY INSURANCE COMPANY – BRANCH OF ABU DHABI | A021 |
| Oman Insurance Company Limited – Abu Dhabi | A023 |
| SAUDI ARABIAN INSURANCE COMPANY LTD | A024 |
| GULF INSURANCE GROUP (GULF) B S C CLOSED | A026 |
| WATANIA TAKAFUL FAMILY P.J.S.C – BRANCH OF ABU DHABI 1 | A028 |
| Dubai Insurance Company – Abu Dhabi Branch | A029 |
| HAYAH INSURANCE COMPANY P.J.S.C | A030 |
| YAS TAKAFUL P.J.S.C. | A031 |
| Methaq Takaful Insurance P S C | A032 |
| Union Insurance Co P.S.C – Abu Dhabi | A034 |
| Takaful Emarat – Insurance P.S.C – Abu Dhabi Branch | A035 |
| Al-Ittihad Alwatani General Insurance Company | A036 |
| Dubai National Insurance and Reinsurance PSC Abu Dhabi | A037 |
| INSURANCE HOUSE-PSC | A038 |
| Jordan Insurance Company Limited | A040 |
| NATIONAL LIFE AND GENERAL INSURANCE COMPANY SAOG | A042 |
| THE MEDITERRANEAN AND GULF INSURANCE AND REINSURANCE COMPANY MEDGULF B.S.C CLOSED ABU DHABI BRANCH | A043 |
| ORIENT TAKAFUL P.J.S.C. – BRANCH OF ABU DHABI 1 | A044 |
| ROYAL & SUN ALLIANCE INSURANCE (MIDDLE EAST) BSCC | A046 |
How Much is the Health Insurance Premium in Abu Dhabi?
The health insurance premium in Abu Dhabi starts from AED 1000 for one male person and AED 1700 for one female person (including maternity health cover). The health insurance premium can go high with silver, gold, premium, or higher benefit plans.
The insurance provider companies calculate insurance premium on the basis of applicant’s age, health status and many other things. So, you can get to know the premium amount only after applying for the health insurance in Abu Dhabi.
The expats should get an insurance policy after consulting with their employer. If you are an expat, talk to your employer about health insurance. It is possible that your employer has obtained health insurance policies for all his employees, so he can add you in that list.
Some employers in UAE pay 50% insurance premium of their employees. So, the employees need to pay remaining 50% to cover their health and get all the benefits.
Abu Dhabi Basic Health Insurance Coverage [Key Benefits]
The basic health insurance is available at many insurance companies in Abu Dhabi. It provides important medical expenses coverage and several treatments that you should know. Here I provide key benefits of basic health insurance plan as follows.
- All Primary Healthcare Services
- X-rays, Blood Tests and Other Tests
- In-patient Services
- Medical Examinations
- Admission and Hospitalization/Accommodation
- Gums and Dental Treatment
- Medications
Important Advice:
Now you know that it is mandatory for all to have a basic health insurance in Abu Dhabi. But you must buy a health insurance from a government authorized insurance company and not from others.
The Abu Dhabi Government does not consider a health insurance from any company that is not authorized by government.
Conclusion
If you do not have a health insurance, you should check insurance fine in Abu Dhabi. When you apply for a health insurance for first time, the insurance provider/broker will ask for your personal info. On that basis, the insurance provider will check if you have any insurance fine or not.
If you have insurance fine, you need to pay it instantly. Only then you can buy a health insurance in Abu Dhabi. I have shared everything about how to check insurance fine in Abu Dhabi and list of authorized insurance providers above.
In case of any query, you can ask in the comment section. To know more, kindly check the FAQs about how to check insurance fine in Abu Dhabi that I have provided here.
FAQs about Insurance Fine Check in Abu Dhabi
What is the insurance fine in Abu Dhabi?
The insurance fine is a penalty charged to people living in Abu Dhabi without a health insurance.
Is a health insurance mandatory for expats?
Yes, a health insurance is mandatory for expats, citizens, GCC and every person living in Abu Dhabi.
What is the insurance fine amount in Abu Dhabi?
The insurance fine amount in Abu Dhabi is AED 300 per month.
How do I reduce my insurance fine?
You cannot do anything to reduce your insurance fine. The insurance fine is AED 300 per month and you have to pay it full every month until you buy a health insurance from a government authorized company.
Can I cancel my health insurance?
Yes, you can cancel your health insurance to get a better health insurance from the same or another company in Abu Dhabi. You can also cancel your health insurance if you are exiting UAE to go to your home country.
