Wednesday, September 21, 2016

Insurance law burdens Emirati families

Long-term care often amounts to hundreds of thousands of dirhams in co-payment for Emirati families

Abu Dhabi: A change in the health insurance law in the emirate of Abu Dhabi now obliges Emirati families to pay 20 per cent of the cost of care at any private facility. While this sounds nominal, this co-payment amount is actually astronomical for families with patients in long-term care, Gulf News has found.

As most patients in long-term care suffer from complex conditions, and also develop many comorbidities during their lifetimes, their care involves regular therapy and round-the-clock care. In many cases, annual co-payment therefore amounts to nearly half a million dirhams or more.

There are currently three health care facilities that provide long-term care and rehabilitation in Abu Dhabi emirate. They are ProVita International Medical Centre, which currently houses more than 110 beds, the Cambridge Medical and Rehabilitation Centre with 180 beds, and Amana Healthcare Medical and Rehabilitation Hospital.

According to reports from top executives, more than 95 per cent of patients at these facilities are Emirati. A significant proportion are being treated for genetic and congenital disorders, while others have suffered traumas and injuries and require 24-hour medical attention.

In this context, private facilities that provide long-term care in the emirate may eventually have to cut back on the added amenities they offer their patients. These include trips to patients’ favourite places, outdoor visits, and trips back home on special occasions, Gulf News has learnt.

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