🏥 Health Insurance for Visa

1. Check the policy details

• Member name, Emirates ID/passport number and date of birth
• Insurer, administrator/TPA, policy/member number and start/end date
• Sponsor/employer and applicable emirate or visa requirement
• Network, copay, deductible, exclusions and approval rules

2. Verify coverage before treatment

1. Use the insurer/TPA app, portal or customer-care number printed on the card.
2. Search the current network for your city and required specialty.
3. Call the clinic/hospital with the exact plan/member number; network access can differ even under the same insurer.
4. For non-emergency treatment, ask whether pre-approval is required.
5. Keep claim, approval and rejection references.

3. COC, cancellation and an old policy

A Certificate of Continuity (COC), cancellation document, policy certificate and visa cancellation are different records. “No data found” for one reference does not prove that a fine, debt or another policy disappeared. Ask the old insurer/sponsor for written cancellation and the new insurer for active-policy confirmation.

4. Changing emirate or sponsor

• Do not assume a Dubai-linked plan covers every Al Ain/Abu Dhabi hospital.
• Confirm whether the old sponsor must cancel the old policy and whether the new sponsor has registered the new one.
• Ask the relevant health/immigration authority about any gap, fine or linking problem using written references.
• Never pay a “fine” to a personal account without an official invoice and verifiable channel.