While the UAE is attracting more retirees than ever, many find they are unable to keep up with the costs of health insurance, particularly in the over-60s bracket.
There are no specific packages for retired people and, when they reach their 60s, premiums significantly rise, especially for those with pre-existing conditions.
This is an issue that is pricing many people out of living in the UAE long term in their later years.
British retiree Jo Woolston, 67, who has no pre-existing conditions, was paying about Dh30,000 ($8,168) for her health insurance annually when she first moved to Dubai two years ago. But, following a one-off operation on a torn knee ligament, those costs rose to more than Dh90,000 per year when it was time to renew.
As she is sponsored by her son-in-law, she is now on a basic policy for just over Dh25,000 annually that has limited network coverage.
“I had to get some sort of insurance as it’s the law here, but some over-70s I’ve met don’t have any cover and just pay as they go,” she says.
“It’s so expensive, hopefully some company will do something about it. I would rather pay a smaller premium and then pay 50 per cent or more co-pay when you do use it.
“I’d like to stay out here for another five or six years at least, but the only thing that would make me go back is the cost of health care.”
Loaded premiums and soaring renewal costs
Toshita Chauhan, business head of health and motor insurance at Policybazaar.ae, says this is a continuing issue among her clients.
Currently, there are different rules for the emirates, with health insurance coverage only mandatory in Dubai and Abu Dhabi, where residents will receive a fine if they do not have a policy. All residents must be insured to a minimum annual cover of Dh150,000, which must include outpatient and inpatient services.
In the Northern Emirates, there is no minimum product inclusion regulation, but as of January 1, 2025, employer-paid health insurance will become mandatory nationwide.
Ms Chauhan says basic annual plans can start for as little as Dh5,000, which will give members access to lower-cost hospitals such as Aster or NMC, instead of premium providers including Mediclinic.
The costs then go up depending on a buyer’s needs, sometimes reaching up to Dh1 million and beyond, says Ms Chauhan.
“For example, if you want UAE, regional or worldwide cover. If you want something including the US and Canada, that price can obviously pile up.”
The more serious your medical conditions are, the higher the premiums will be, she adds.
“Members who have borderline diabetes or hypertension will get a certain amount of premium loading versus someone who has diabetes and is on insulin.”
The more you claim, the more your policy will be at the time of renewal, too. Policies typically last 12 months and after that period, the insurance company will calculate any claims that have been made and the likelihood of claims for certain conditions in the next year.
In Dubai, companies can load up to 100 per cent of the current premium per condition, Ms Chauhan explains, so if your policy is worth Dh10,000 annually and you develop a spinal issue within that year, then they can add another Dh10,000 to your premium the following year.
Anyone who has made multiple claims in a year but doesn’t have a specific condition may also be pegged as someone with health anxiety, which can again add to the premium.
“For healthy people, it's much easier to sustain the cost of health insurance because they don't get so many loadings on their renewals … But above 60, it's very rare that members will not have any pre-existing condition, so that becomes more expensive,” Ms Chauhan says.
“It is not something that is easily affordable, and there is no particular plan for retirees.”
Loopholes are risky
There are some clients who wish to go on a basic plan for legal reasons, but not declare any pre-existing conditions and go back to their home countries for regular treatment, but Ms Chauhan says this is risky.
“Let’s say tomorrow you have a fever and it requires some sort of additional treatment … The doctor will look at medical history and what medicines you’re on, and they will write it down, and you will tell them what you’re taking, and that’s when your truth comes out.
“This record goes to the insurance company for approval, and they will look at what you declared at the time of buying insurance. If you said no condition, versus what the doctor has said, they will decline everything.”
Changing insurer each year cannot help bring premiums down, either, as companies can access your health records through independent, third-party administrators, she adds.
Some people have started avoiding health insurance costs altogether. One UAE resident, who lives with his parents, was unable to afford coverage because his mother, 69, previously had cancer and his father, 72, had a heart condition. The lowest quote he could find was Dh60,000 per parent annually.
“We did not find any suitable and affordable insurance, so we make sure my parents travel to India once every six months and get their check-up done and get the medicines,” he says.
“The new law [on mandatory health insurance] will be challenging for us. Hopefully by that time some sensible insurance comes in place which can help these kinds of cases.”
Ms Chauhan says they always strongly recommend buying health insurance in the proper manner, “because when you really need it, no one will give it to you”.
Start saving now
Carol Glynn, a personal finance coach based in the UAE, says these are all common concerns among her retired clients.
“As most people have always had their medical insurance provided by their employer, they can get a shock when they learn just how much it costs,” she says.
“Often, they feel resentment, as even if they have not had any medical issues, many insurance companies increase premiums arbitrarily with age, and so they feel premiums are disproportionately high for older individuals.
“This makes it challenging and frustrating to find comprehensive coverage that fits their budget or what they view as good value for their money.”
Complex policy terms and conditions can also be overwhelming and confusing for her clients, she adds.
“No matter where you plan to retire, it is crucial to plan ahead for all costs, including health insurance costs,” says Ms Glynn.
“Make sure you have a clear understanding of the potential costs and set aside sufficient funds to cover them.
“The earlier you start saving for this, the more options you will have available to you when the time comes,” she adds.
“Put the savings in an interest-bearing account, so it’s growing in the years before retirement. If you have more than five years to retirement, consider putting these savings into an investment such as an exchange-traded fund to maximise your growth potential.”
Ways to maximise your insurance budget include considering basic health plans, which offer a safety net for essential health services, or downgrading your network access to include lower-cost hospitals, Ms Glynn recommends.
Removing services such as dental and optical, and saving for those separately, can also reduce your premium, as can optimising your co-payment percentage.
Ms Glynn emphasises the need to start researching and securing health insurance as early as possible, and thoroughly compare insurance providers and policies to find comprehensive coverage at a price that fits your budget.
“Haggle,” she adds. “Use comparison prices to ask for price matching or discounts. The worst that can happen is they say no.”
Finally, focus on your health, she says. “Maintaining a healthy lifestyle can potentially lower your insurance premiums and reduce your need for medical services.”
Ms Chauhan says that while it can be unaffordable for many now, she strongly believes this will change in the future.
There are already initiatives in place, such as a new Abu Dhabi cancer care centre that has pledged to deliver same-day check-ups for drop-in patients with consultations being free, regardless of insurance status.
“The UAE is adapting,” says Ms Chauhan. “It is doing so much more to make it more stable and long-term for people to be here. I’m sure there will be reforms that will come in.”
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1. Fasting
2. Prayer
3. Hajj
4. Shahada
5. Zakat
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34 goals - Robert Lewandowski (68 points)
34 - Ciro Immobile (68)
31 - Cristiano Ronaldo (62)
28 - Timo Werner (56)
25 - Lionel Messi (50)
*29 - Erling Haaland (50)
23 - Romelu Lukaku (46)
23 - Jamie Vardy (46)
*NOTE: Haaland's goals for Salzburg count for 1.5 points per goal. Goals for Dortmund count for two points per goal.
Mohammed bin Zayed Majlis
GAC GS8 Specs
Engine: 2.0-litre 4cyl turbo
Power: 248hp at 5,200rpm
Torque: 400Nm at 1,750-4,000rpm
Transmission: 8-speed auto
Fuel consumption: 9.1L/100km
On sale: Now
Price: From Dh149,900
RACE CARD
5pm: Maiden (PA) Dh80,000 1,400m
5.30pm: Maiden (PA) Dh80,000 1,200m
6pm: Arabian Triple Crown Round-1 (PA) Listed Dh230,000 1,600m
6.30pm: HH The President’s Cup (PA) Group 1 Dh2.5million 2,200m
7pm: HH The President’s Cup (TB) Listed Dh380,000 1,400m
7.30pm: Wathba Stallions Cup (PA) Handicap Dh70,000 1,200m.
Bharatanatyam
A ancient classical dance from the southern Indian state of Tamil Nadu. Intricate footwork and expressions are used to denote spiritual stories and ideas.
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The smuggler
Eldarir had arrived at JFK in January 2020 with three suitcases, containing goods he valued at $300, when he was directed to a search area.
Officers found 41 gold artefacts among the bags, including amulets from a funerary set which prepared the deceased for the afterlife.
Also found was a cartouche of a Ptolemaic king on a relief that was originally part of a royal building or temple.
The largest single group of items found in Eldarir’s cases were 400 shabtis, or figurines.
Khouli conviction
Khouli smuggled items into the US by making false declarations to customs about the country of origin and value of the items.
According to Immigration and Customs Enforcement, he provided “false provenances which stated that [two] Egyptian antiquities were part of a collection assembled by Khouli's father in Israel in the 1960s” when in fact “Khouli acquired the Egyptian antiquities from other dealers”.
He was sentenced to one year of probation, six months of home confinement and 200 hours of community service in 2012 after admitting buying and smuggling Egyptian antiquities, including coffins, funerary boats and limestone figures.
For sale
A number of other items said to come from the collection of Ezeldeen Taha Eldarir are currently or recently for sale.
Their provenance is described in near identical terms as the British Museum shabti: bought from Salahaddin Sirmali, "authenticated and appraised" by Hossen Rashed, then imported to the US in 1948.
- An Egyptian Mummy mask dating from 700BC-30BC, is on offer for £11,807 ($15,275) online by a seller in Mexico
- A coffin lid dating back to 664BC-332BC was offered for sale by a Colorado-based art dealer, with a starting price of $65,000
- A shabti that was on sale through a Chicago-based coin dealer, dating from 1567BC-1085BC, is up for $1,950
Racecard
7pm: Abu Dhabi - Conditions (PA) Dh 80,000 (Dirt) 1,600m
7.30pm: Dubai - Maiden (TB) Dh82,500 (D) 1,400m
8pm: Sharjah - Maiden (TB) Dh82,500 (D) 1,600m
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Starring: Hani Razmzi, Maya Nasir and Hassan Hosny
Four stars
What are the influencer academy modules?
- Mastery of audio-visual content creation.
- Cinematography, shots and movement.
- All aspects of post-production.
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- Understanding of marketing objectives and audience engagement.
- Tourism industry knowledge.
- Professional ethics.
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Director: Jesse Armstrong
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Why seagrass matters
- Carbon sink: Seagrass sequesters carbon up to 35X faster than tropical rainforests
- Marine nursery: Crucial habitat for juvenile fish, crustations, and invertebrates
- Biodiversity: Support species like sea turtles, dugongs, and seabirds
- Coastal protection: Reduce erosion and improve water quality
The five pillars of Islam
Key figures in the life of the fort
Sheikh Dhiyab bin Isa (ruled 1761-1793) Built Qasr Al Hosn as a watchtower to guard over the only freshwater well on Abu Dhabi island.
Sheikh Shakhbut bin Dhiyab (ruled 1793-1816) Expanded the tower into a small fort and transferred his ruling place of residence from Liwa Oasis to the fort on the island.
Sheikh Tahnoon bin Shakhbut (ruled 1818-1833) Expanded Qasr Al Hosn further as Abu Dhabi grew from a small village of palm huts to a town of more than 5,000 inhabitants.
Sheikh Khalifa bin Shakhbut (ruled 1833-1845) Repaired and fortified the fort.
Sheikh Saeed bin Tahnoon (ruled 1845-1855) Turned Qasr Al Hosn into a strong two-storied structure.
Sheikh Zayed bin Khalifa (ruled 1855-1909) Expanded Qasr Al Hosn further to reflect the emirate's increasing prominence.
Sheikh Shakhbut bin Sultan (ruled 1928-1966) Renovated and enlarged Qasr Al Hosn, adding a decorative arch and two new villas.
Sheikh Zayed bin Sultan (ruled 1966-2004) Moved the royal residence to Al Manhal palace and kept his diwan at Qasr Al Hosn.
Sources: Jayanti Maitra, www.adach.ae
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The specs: 2018 Audi RS5
Price, base: Dh359,200
Engine: 2.9L twin-turbo V6
Transmission: Eight-speed automatic
Power: 450hp at 5,700rpm
Torque: 600Nm at 1,900rpm
Fuel economy, combined: 8.7L / 100km
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hall of shame
SUNDERLAND 2002-03
No one has ended a Premier League season quite like Sunderland. They lost each of their final 15 games, taking no points after January. They ended up with 19 in total, sacking managers Peter Reid and Howard Wilkinson and losing 3-1 to Charlton when they scored three own goals in eight minutes.
SUNDERLAND 2005-06
Until Derby came along, Sunderland’s total of 15 points was the Premier League’s record low. They made it until May and their final home game before winning at the Stadium of Light while they lost a joint record 29 of their 38 league games.
HUDDERSFIELD 2018-19
Joined Derby as the only team to be relegated in March. No striker scored until January, while only two players got more assists than goalkeeper Jonas Lossl. The mid-season appointment Jan Siewert was to end his time as Huddersfield manager with a 5.3 per cent win rate.
ASTON VILLA 2015-16
Perhaps the most inexplicably bad season, considering they signed Idrissa Gueye and Adama Traore and still only got 17 points. Villa won their first league game, but none of the next 19. They ended an abominable campaign by taking one point from the last 39 available.
FULHAM 2018-19
Terrible in different ways. Fulham’s total of 26 points is not among the lowest ever but they contrived to get relegated after spending over £100 million (Dh457m) in the transfer market. Much of it went on defenders but they only kept two clean sheets in their first 33 games.
LA LIGA: Sporting Gijon, 13 points in 1997-98.
BUNDESLIGA: Tasmania Berlin, 10 points in 1965-66
The burning issue
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THE SPECS
Jaguar F-Pace SVR
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How to vote
Canadians living in the UAE can register to vote online and be added to the International Register of Electors.
They'll then be sent a special ballot voting kit by mail either to their address, the Consulate General of Canada to the UAE in Dubai or The Embassy of Canada in Abu Dhabi
Registered voters mark the ballot with their choice and must send it back by 6pm Eastern time on October 21 (2am next Friday)
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Director: Kangana Ranaut
Stars: Kangana Ranaut, Anupam Kher, Shreyas Talpade, Milind Soman, Mahima Chaudhry
Rating: 2/5
Mohammed bin Zayed Majlis
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Director: Magizh Thirumeni
Stars: Ajith Kumar, Arjun Sarja, Trisha Krishnan, Regina Cassandra
Rating: 4/5
Pathaan
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PULITZER PRIZE 2020 WINNERS
JOURNALISM
Public Service
Anchorage Daily News in collaboration with ProPublica
Breaking News Reporting
Staff of The Courier-Journal, Louisville, Ky.
Investigative Reporting
Brian M. Rosenthal of The New York Times
Explanatory Reporting
Staff of The Washington Post
Local Reporting
Staff of The Baltimore Sun
National Reporting
T. Christian Miller, Megan Rose and Robert Faturechi of ProPublica
and
Dominic Gates, Steve Miletich, Mike Baker and Lewis Kamb of The Seattle Times
International Reporting
Staff of The New York Times
Feature Writing
Ben Taub of The New Yorker
Commentary
Nikole Hannah-Jones of The New York Times
Criticism
Christopher Knight of the Los Angeles Times
Editorial Writing
Jeffery Gerritt of the Palestine (Tx.) Herald-Press
Editorial Cartooning
Barry Blitt, contributor, The New Yorker
Breaking News Photography
Photography Staff of Reuters
Feature Photography
Channi Anand, Mukhtar Khan and Dar Yasin of the Associated Press
Audio Reporting
Staff of This American Life with Molly O’Toole of the Los Angeles Times and Emily Green, freelancer, Vice News for “The Out Crowd”
LETTERS AND DRAMA
Fiction
"The Nickel Boys" by Colson Whitehead (Doubleday)
Drama
"A Strange Loop" by Michael R. Jackson
History
"Sweet Taste of Liberty: A True Story of Slavery and Restitution in America" by W. Caleb McDaniel (Oxford University Press)
Biography
"Sontag: Her Life and Work" by Benjamin Moser (Ecco/HarperCollins)
Poetry
"The Tradition" by Jericho Brown (Copper Canyon Press)
General Nonfiction
"The Undying: Pain, Vulnerability, Mortality, Medicine, Art, Time, Dreams, Data, Exhaustion, Cancer, and Care" by Anne Boyer (Farrar, Straus and Giroux)
and
"The End of the Myth: From the Frontier to the Border Wall in the Mind of America" by Greg Grandin (Metropolitan Books)
Music
"The Central Park Five" by Anthony Davis, premiered by Long Beach Opera on June 15, 2019
Special Citation
Ida B. Wells
The five pillars of Islam
Russia's Muslim Heartlands
Dominic Rubin, Oxford
RACECARD
6pm: Al Maktoum Challenge Round-1 – Group 1 (PA) $50,000 (Dirt) 1,600m
6.35pm: Festival City Stakes – Conditions (TB) $60,000 (D) 1,200m
7.10pm: Dubai Racing Club Classic – Listed (TB) $100,000 (Turf) 2,410m
7.45pm: Jumeirah Classic Trial – Conditions (TB) $150,000 (T) 1,400m
8.20pm: Al Maktoum Challenge Round-1 – Group 2 (TB) $250,000 (D) 1,600m
8.55pm: Cape Verdi – Group 2 (TB) $180,000 (T) 1,600m
9.30pm: Dubai Dash – Listed (TB) $100,000 (T) 1,000m
More on Quran memorisation:
Read more about the coronavirus
What's in the deal?
Agreement aims to boost trade by £25.5bn a year in the long run, compared with a total of £42.6bn in 2024
India will slash levies on medical devices, machinery, cosmetics, soft drinks and lamb.
India will also cut automotive tariffs to 10% under a quota from over 100% currently.
Indian employees in the UK will receive three years exemption from social security payments
India expects 99% of exports to benefit from zero duty, raising opportunities for textiles, marine products, footwear and jewellery
COMPANY PROFILE
Company name: BorrowMe (BorrowMe.com)
Date started: August 2021
Founder: Nour Sabri
Based: Dubai, UAE
Sector: E-commerce / Marketplace
Size: Two employees
Funding stage: Seed investment
Initial investment: $200,000
Investors: Amr Manaa (director, PwC Middle East)
Killing of Qassem Suleimani
Killing of Qassem Suleimani
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Mohammed bin Zayed Majlis
UAE v Gibraltar
What: International friendly
When: 7pm kick off
Where: Rugby Park, Dubai Sports City
Admission: Free
Online: The match will be broadcast live on Dubai Exiles’ Facebook page
UAE squad: Lucas Waddington (Dubai Exiles), Gio Fourie (Exiles), Craig Nutt (Abu Dhabi Harlequins), Phil Brady (Harlequins), Daniel Perry (Dubai Hurricanes), Esekaia Dranibota (Harlequins), Matt Mills (Exiles), Jaen Botes (Exiles), Kristian Stinson (Exiles), Murray Reason (Abu Dhabi Saracens), Dave Knight (Hurricanes), Ross Samson (Jebel Ali Dragons), DuRandt Gerber (Exiles), Saki Naisau (Dragons), Andrew Powell (Hurricanes), Emosi Vacanau (Harlequins), Niko Volavola (Dragons), Matt Richards (Dragons), Luke Stevenson (Harlequins), Josh Ives (Dubai Sports City Eagles), Sean Stevens (Saracens), Thinus Steyn (Exiles)
