Co-insurance is an agreement between an insured person and the insurance company for the insured to pay a set percentage of the covered costs after the deductible has been paid.


DHA is an abbreviation for The Dubai Health Authority. The DHA’s aims to provide an accessible, effective and integrated healthcare system, to protect public health and improve the quality of life within the Emirate of Dubai.


A dependent is a person who relies on another family member as their primary source of income. The Dubai Health Authority (DHA) has limited the definition of ‘dependents’ to your spouse and dependent children who are on your sponsorship. However, dependents generally include any family member that is on your sponsorship (including parents).


EBP is an abbreviation for Essential Benefits Plan, this is the minimum level of benefits that must be provided in any health insurance plan offered in the Emirate of Dubai.

Enhanced Product

An enhanced product is any health insurance plan which offers benefits that are significantly more comprehensive than those required by the EBP.
The enhancements may come in the form of:

  • Lower coinsurance;
  • Additional benefits such as dental or optical coverage;
  • Significantly greater geographic coverage;
  • Higher annual aggregate cover limits;
  • Higher sublimits;
  • Fewer exclusions;
  • Significantly wider healthcare provider networks.


LSB is an abbreviation for Lower Salary Band, these are employees who have a monthly salary of AED 4,000 or less.


A waiting period before you can make a claim on an insurance policy, typically applied to maternity and dental insurance plans, and last from 10-12 months. During this time, if you receive dental or maternity treatment, your insurer will not cover you and you must pay the costs yourself.

Participating Insurers

Participating Insurers are the small number of insurance companies who have met additional requirements to be able to offer insurance options for Lower Salary Band (LSB) employees.