Moving to Dubai while pregnant - any way to have medical insurance from day 1? | ExpatWoman.com
 

Moving to Dubai while pregnant - any way to have medical insurance from day 1?

5
Posts
EW NEWBIE
Latest post on 12 November 2011 - 13:28

I am due to give birth in mid February and DH is starting work in Dubai (new assignment with his current employer) on the 1st of January (we will not be able to fly out to Dubai before mid December at the earliest as he has to wrap up work at his current job).
When DH agreed to move to Dubai his employer put in writing that they would cover all my maternity expenses but gave no further details and we did not probe further.
But of course, in order for me to have medical insurance I need my residence visa. And they now say that in order for them to apply for my residence visa, my husband needs to be physically in the UAE for at least a month (is this true?). So basically it now looks as if I will have to arrive in the UAE (and probably give birth) uninsured, pay cash for the birth & medical expenses and trust that they will reimburse us in full (my trust is running a little low right now as they seem very disorganised & to be honest completely disinterested in our situation..).
Plus as far as I am aware I will not be able to give birth at the public hospital (Al Wasl) if I arrive at 7 months pregnant as you have to buy an antenatal package in early pregnancy in order to give birth there. And I wouldn't even be able to get a health card without my residence permit.
I am finding this very stressful :( Has anyone ever been in a similar situation or does anyone have any clever suggestions I could pass on to DH to mention to his employer.....
Staying where I am to give birth is also not an option as our medical insurance here will end when DH moves to Dubai for the new job...

332
Posts
EW EXPLORER
Latest post on 12 November 2011 - 19:26
Hi Selma ADNIC, Abu Dhabi National Insurance Company, is the only insurance provider in the UAE that will give you immediate maternity cover. Alternatively, if you are already with a global provider, they may be able to automatically provide you with cover in the UAE. In order to apply to ADNIC, yes, you will need to show proof of residence. However, this process does not normally take one month, usually up to two weeks in fact. Perhaps your husband can push the PRO or whoever is responsible for arranging residency to speed up the process? I have not heard anything about a rule that you have to be here one month before you can get your residency. In fact, some employers commence the paperwork even before the employee arrives. I also didn't have insurance when I fell pregnant and went with ADNIC as I agree with the other poster that the cost of delivery in the public system is almost the same as the delivery in the public. Try to get your husband's company to commence the paperwork ASAP and speed things up for you as soon as you arrive. Good luck!
425
Posts
EW EXPLORER
Latest post on 12 November 2011 - 13:44
Al Wasl doesn't really work out cheaper than private hospitals anymore. maybe you could ask the company to pay 10'000 in advance for the birth, and then get them to reimburse the rest after the birth?
 
 

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