Affordable Elderly Health Insurance Solutions in the UAE

 In the UAE, health insurance is mandatory for all residents, including senior citizens. However, finding comprehensive and affordable health insurance for seniors can be challenging due to increased healthcare needs and potential pre-existing conditions.

Types of Health Insurance Plans:

• Individual Plans: Policies purchased directly by the individual or their family, offering a range of coverage options and flexibility in choosing benefits.
• Group Plans: Typically provided by employers to their employees and may extend coverage to dependents, including elderly parents.
• Government-Sponsored Plans: The UAE government provides basic health insurance coverage for Emirati citizens through programs like Thiqa in Abu Dhabi and SAICO in Dubai.

Key Considerations for Senior Citizen Health Insurance:

• Age and Pre-existing Conditions: Insurance premiums tend to increase with age, and pre-existing conditions may affect coverage or result in higher premiums.
• Coverage Needs: Seniors may require coverage for specific medical needs such as chronic disease management, hospitalization, prescription medications, and specialized treatments.
• Network of Healthcare Providers: It's important to choose a plan with a wide network of hospitals, clinics, and doctors that are conveniently located.
• Policy Exclusions and Limitations: Carefully review the policy wording to understand any exclusions or limitations on coverage.

Where to Find Health Insurance Plans:

• Insurance Companies: Many insurance companies in the UAE offer health insurance plans for senior citizens. Some popular providers include Adamjee, Takaful Emarat, Orient Takaful, and Cigna.
• Insurance Brokers: Insurance brokers can help you compare different plans from various providers and find the best option for your needs and budget.
• Online Platforms: Online platforms like Policybazaar.ae allow you to compare and purchase health insurance plans online.

Recently Launched Plan:

• Vibrance Senior: This is a new health insurance plan launched by Aster DM Healthcare in partnership with Dubai Insurance. It is specifically tailored to meet the needs of senior residents in the UAE and offers comprehensive medical services, including preventive care and advanced treatment.

Key Features of Vibrance Senior Plan:

• Comprehensive Coverage: The plan offers a wide range of coverage, from preventive screenings to advanced tertiary care, including specialized chronic disease and arthritis care.
• Chronic Disease Management: It provides complete support for managing chronic conditions, ensuring long-term health and well-being.
• Home-Based Access: Patients can access consultations and follow-ups from home through TruDoc's telehealth platform, reducing the need for frequent hospital visits.
• 24/7 Accessibility: Support is available around the clock via app or phone.
• Teleconsultation Care: Members can avail of teleconsultations with DHA-licensed physicians and specialists.
• Personalized Care Plans: Seniors with chronic conditions receive personalized, data-driven care plans that can be accessed and monitored remotely.
• Full Health Screening at Home: Free full health screening at home within the first 30 days of policy activation.
• Emergency Coverage: Included in the plan.
• Annual Maximum Limit: Dh150,000 for shared benefits.

Pricing:

The premiums for the Vibrance Senior plan vary based on the age of the insured and are subject to individual medical history. Here's an overview:

• Ages 65-69: Dh16,693 annually
• Ages 70-74: Dh22,146 annually
• Ages 75-79: Dh27,591 annually

Pharmacy Limit:

The plan offers two options with different pharmacy limits:

• Plan 1: Dh3,000 annual pharmacy limit with a 20% co-pay.
• Plan 2: Dh5,000 annual pharmacy limit with a 20% co-pay.

Important Notes:

• These premiums are indicative and may change based on individual medical history and underwriting.
• It's advisable to contact Dubai Insurance or Aster DM Healthcare directly for the most accurate and up-to-date pricing and plan details.
• You can purchase the plan through Dubai Insurance Company and the Orange Care website, Slice Of Wellness.

Tips for Choosing a Plan:

• Shop around and compare different plans: Get quotes from multiple providers and compare coverage, premiums, and benefits.
• Consider your individual needs: Choose a plan that meets your specific healthcare needs and budget.
• Read the policy wording carefully: Understand the terms and conditions of the policy, including any exclusions or limitations.
• Seek advice from a financial advisor or insurance broker: They can help you navigate the options and choose the best plan for your circumstances.

Important Note: The information provided here is intended for general knowledge and informational purposes only, and does not constitute financial or insurance advice. It is essential to consult with a qualified professional for personalized advice based on your circumstances.

 

Last Chance for UAE Visa Amnesty: Act by December 31, 2024

 This program offers individuals with irregular immigration status the opportunity to regularize their residency or safely exit the country without facing fines or penalties. The latest data

shows over 105,000 people have benefited from the UAE's visa amnesty program. This initiative has allowed many individuals to regularize their residency status or safely exit the country without facing fines or penalties.

Key Details:

• Program Duration: September 1, 2024, to December 31, 2024.
• Eligibility: Residents or visitors with overstayed or irregular residency.

Benefits:

• Legal Status Regularization: Provides a pathway to adjust residency status without the threat of deportation.
• Financial Relief: Waives accumulated overstay fines, offering significant financial relief.
• Safe Exit Pathway: Ensures a dignified departure for individuals wishing to return to their home countries without permanent entry bans.
• Administrative Streamlining: Helps immigration authorities update and maintain accurate resident records.

Why Act Now?

The deadline of December 31, 2024, is fast approaching, leaving less than days to take advantage of this amnesty. Delaying action could result in fines, deportation, or permanent entry bans.

This is a unique opportunity to address visa issues without the usual penalties, ensuring a secure and lawful future. If you or someone you know is affected, it's crucial to act promptly to benefit from this program.

 

UAE Introduces 5-Year Residency Visa for Retired Residents Aged 55 and Above

 The UAE has announced new regulations for issuing residency and ID cards to retired

residents. The Federal Authority for Identity, Citizenship, Customs, and Port Security (ICP) has introduced a 5-year residency visa for expatriates aged 55 and above. According to the ICP, expatriate retirees who are 55 years or older can now apply for this visa to live in the UAE.

Eligibility Criteria

To qualify for this visa, applicants must meet the following criteria:

·       The applicant must have worked for at least 15 years, either inside or outside the UAE.

·       The individual must own property worth at least Dh1 million, have savings of at least Dh1 million, or receive a monthly income of at least Dh20,000 (or Dh15,000 in Dubai).

·       A bank statement from the last six months is also required.

This residency visa is valid for 5 years and can be renewed if the applicant continues to meet the same requirements.

Application Process

The ICP has outlined the steps to apply for a residency permit and UAE ID card for retired residents through its official website and the UAEICP smart application. The application process includes the following steps:

1.    Log in using the UAE Pass.

2.    Select the UAE ID and residency services.

3.    Review and update the retrieved data, and pay the required fees.

4.    Receive the ID card through approved delivery companies.

Dubai’s Special Regulations for Retirees

In addition to federal regulations, Dubai has introduced a special program to attract retirees. This program allows foreign nationals, their spouses, and dependents to apply for a renewable 5-year residency visa if the retiree meets certain criteria.

Primary Conditions

The retiree must be at least 55 years old and fulfill one of the following financial requirements:

·       Option 1: An annual income of at least Dh180,000 or a monthly income of Dh15,000.

·       Option 2: Financial savings of Dh1 million in a fixed deposit for 3 years.

·       Option 3: Investment in an unmortgaged property worth Dh1 million.

·       Option 4: A combination of Options 2 and 3, totaling at least Dh1 million, with Dh500,000 allocated to a fixed deposit for 3 years and Dh500,000 in property.

These initiatives aim to provide greater flexibility and security for retirees wishing to settle in the UAE, ensuring they can enjoy their post-retirement years in the country.

Unlock Your Dreams in the U.A.E- Visa Regularization Offer Ends Soon

 Don't miss your last chance! The UAE Visa Amnesty program is ending soon.

Act now to:

·       Regularize your visa status

·       Avoid fines and penalties

·       Secure your future in the UAE

Don't wait! Visit the Federal Authority for Identity and Citizenship (ICA) or Amer Centers to start the process.

Time is running out!

The UAE Visa Amnesty program, initially set to end on September 30, 2024, has been extended to December 31, 2024. This extension offers a grace period for individuals who have overstayed their residency or visit visas to rectify their immigration status without incurring penalties.

Key Points of the UAE Visa Amnesty Program:

·       Eligible Individuals:

o   Expatriates with expired residency visas

o   Individuals with expired visit visas

·       Benefits of the Amnesty:

o   Opportunity to regularize immigration status without facing fines

o   Grace period to exit the country without penalties

·       Important Dates:

o   Start Date: September 1, 2024

o   Extended End Date: December 31, 2024

How to Take Advantage of the Amnesty:

1.      Visit the Federal Authority for Identity and Citizenship (ICA) or Amer Centers:

o   Consult with immigration officials to understand the specific procedures and requirements.

2.      Submit Necessary Documents:

o   Prepare required documents, such as passports, visa copies, and other relevant paperwork.

3.      Pay Applicable Fees:

o   Settle any outstanding fees or fines associated with the visa overstay.

4.      Regularize Status or Exit the Country:

o   Choose to either regularize your immigration status by obtaining a new visa or exit the country before the deadline.

Important Considerations:

·       Timely Action: It is crucial to act promptly to avoid any legal complications.

·       Consult with Immigration Experts: Seek advice from immigration professionals to ensure compliance with all regulations.

·       Stay Updated: Monitor official announcements and news for any changes or updates to the amnesty program.

By taking advantage of this extended amnesty period, individuals can resolve their immigration status legally and avoid potential penalties.

 

Empower Your Legal Strategy: Make the Most of UAE’s New 36-Month Policy in Civil Case

 One of my Clients has been involved in multiple civil cases in the UAE and has already served 36 months in jail. After being released from Sharjah jail, he was transferred to Ajman jail for another civil case. However, recent legal reforms in the UAE have capped the maximum imprisonment period for civil cases at 36 months. How can my client benefit from this new regulation? 

Sharjah Jail room

 Answer: To ensure your clients benefit from the recent legal reforms capping imprisonment for civil cases at 36 months, you should take the following steps:

1.     Consult with a Lawyer:

o   Local Expertise: Hire a local lawyer who specializes in civil law and is familiar with the recent legal reforms.

o   Case Evaluation: Have the lawyer review all the civil cases your friend is involved in and assess their current legal status.

o   Legal Strategy: Discuss potential legal strategies to leverage the new law and secure your friend's release.

2.     File a Petition or Appeal:

o   Legal Grounds: Your lawyer can file a petition or appeal based on the new law, arguing that your friend has already served the maximum 36 months and should be released.

o   Supporting Documentation: Gather all relevant documents, including court orders, jail records, and any evidence supporting your friend's case.

3.     Seek Legal Aid:

o   Eligibility: If your friend is unable to afford legal fees, explore options for legal aid or pro bono services.

o   Government Organizations: Contact the Abu Dhabi Judicial Department (ADJD) or other relevant government organizations for assistance.

o   Community Organizations: Consider reaching out to local NGOs or charitable organizations that may offer legal aid or pro bono services.

4.     Engage with the Correctional Facility:

o   Communicate with Authorities: Maintain open communication with the authorities at both Sharjah and Ajman jails to ensure they are aware of the new law and its implications.

o   Provide Necessary Documentation: Share copies of the new law and any relevant legal documents with the prison officials.

5.     Monitor the Case Closely:

o   Stay Informed: Keep track of any developments in your friend's case and any changes in the legal proceedings.

o   Consult with Lawyer Regularly: Maintain regular communication with your lawyer to discuss any updates or strategies.

Remember, the specific steps and strategies will depend on the individual circumstances of your friend's case. Consulting with a qualified lawyer is crucial to ensure that your friend's rights are protected and that he benefits from the recent legal reforms.

 Explore options for legal aid or pro bono services. how to access this service in UAE

There are several avenues to access legal aid or pro bono services in the UAE:

Government Initiatives:

·       Abu Dhabi Judicial Department (ADJD): They offer free legal aid services to low-income individuals, including legal representation in court, settlement of expert witness fees, and covering the costs of legal notices.  

·       Dubai Courts' 'Shoor' Program: This program provides free legal consultations with authorized law firms.  

·       Voluntary Legal Services Smart Portal: This online platform connects individuals seeking legal assistance with volunteer lawyers and legal consultants.  

Community Organizations:

·       Community Development Authority (CDA) in Dubai: They run a Legal Clinic that provides free legal consultations to Dubai residents.  

·       Local NGOs and Charities: Some NGOs may offer legal aid or pro bono services, particularly for specific vulnerable groups like women, children, or refugees.

How to Access These Services:

1.     Check Eligibility: Most programs have eligibility criteria based on income, residency status, and the nature of the legal issue.

2.     Contact the Relevant Organization: Reach out to the specific organization offering the service to inquire about the application process, required documentation, and any specific eligibility requirements.

3.     Prepare Necessary Documents: Gather all relevant documents, such as proof of income, residency, and details of the legal case.  

4.     Attend Consultations: Be prepared to attend consultations with lawyers or legal advisors.

5.     Follow the Application Process: Adhere to the specific guidelines and timelines provided by the organization.

Additional Tips:

·       Early Application: Apply for legal aid or pro bono services as early as possible to increase your chances of securing assistance.

·       Be Honest and Transparent: Provide accurate and complete information about your financial situation and legal needs.

·       Cooperate with the Legal Professionals: Follow their advice and instructions to maximize the effectiveness of the legal aid or pro bono services.

·       Explore Other Options: If you don't qualify for government-funded legal aid, consider seeking assistance from law firms that offer discounted rates or payment plans.

By understanding the various options available and taking proactive steps, individuals in the UAE can access legal aid or pro bono services to protect their rights and seek justice.