Frequently Asked Questions

Broadly, there are two reasons to have health insurance :

• Health insurance supports you if you get sick
• Health insurance helps you avoid getting sick to begin with.

When you have health insurance, your medical bills go first to your health insurance plan. Then, they pay for some or all of that bill according to the plan’s details.

Individual plans & Group medical insurance

Factors influencing health insurance premiums

• Age – This one of the critical factors that affect the premium amount. ...
• Past Medical History
• Occupation
• Policy Duration
• Body Mass Index (BMI):
• Smoking Habits
• Geographical location:
• The Type of Plan You Choose:

Health insurance cover most of the illnesses and coverage is as per selected plans. In general health insurance doesn’t cover cosmetic treatments, infertility, undeclared pre-existing conditions, non-medically necessary services, alcohol & drugs related illnesses, supplements etc.

Maternity is covered for legally married females.

Medical provider can check the eligibility with online portals. However members are requested to avail services within the listed network of providers.

We work with almost all hospitals in UAE

Insurance cover will discontinue only if your visa is cancelled.

Policy holder can be cancel as per the agreed cancellation terms in the policy.

All medical emergencies to be notified to insurer within 48 hours for non- network claims. Provider will contact the insurer if it is network provider.

Completely filled reimbursement claim form, paid invoices & all relevant reports.

Please note you will have cover only until the policy expiry date.

Customer service & Reliability

Please visit our website www.dubins.ae for more information.

We can arrange home country treatment as per policy terms & conditions.

Yes, we have 24/7 toll free number 800382467 for assistance.

According to the UAE Roads and Traffic laws, it is mandatory for all vehicle owners to get car insurance cover.

1. (a) Basic cover: it is the one that covers the following
   • Loss, damage & third party liability
   • Personal Accident Benefit to passengers excluding employees under the sponsorship of the insured
2. (b) Optional Covers:
   • Personal Accident Benefit to driver
   • Personal Accident Benefit to Passengers under the sponsorship of the Insured
   • Rent A Car cover for own/unknown damage claim
   • Extension of cover to include Sultanate of Oman
   • Any add on to the vehicle that alters the price of the vehicle

Yes, any person can drive your car provided that they are licensed to drive according to the Motor Vehicle category pursuant to the Traffic Laws and regulations.

• You can purchase online through our website www.dubins.ae
• Contact us via email customerservice@dubins.ae or toll free no. 800DUBINS
• You can walk-in to our head office

We have a list of panel garages that are experienced, efficient and adhere strictly to repair quality controls.

Yes provided that you are holding a comprehensive motor insurance policy subject to submission of the police report.

If incase where the accident you are not at fault then you are eligible to have Replacement Car for 15 days. For the claims where you are at fault the facility can be availed for provided that the clause was included in the policy before the accident to occur.

As per the UAE Insurance Authority, during an accident in case where the spare parts are replaced by original one then the insured has to pay depreciation amounts as per the following schedule:

Police report is mandatory to register claim.

YES! The excess or deductible which is the customer contribution made at the time of where the insurance policy holder is at fault of the claim. Our standard excess is as per UAE law. Apart from deductible excess, the following may also be charged:

1. 10% of the amount of compensation if the Motor Vehicle Driver is below the age of 25 years.
2. 10% of the amount of compensation in case of taxi and public transport vehicles.
3. 15% of the amount of compensation of sports cars and modified vehicles.
4. 20% of the amount of compensation of vehicles modified outside the factory.
5. 20% of the amount of compensation of rental vehicles

Yes, excess is applied Unknown Damage as it is categorized as Own Damage claim.

Yes, the service is available free of cost if the car is not in driving condition. Where the vehicle is in movable condition then additional charges will be charged.

You can reach us on the below number for immediate assistance 8004101 - Within UAE

No, the rent a car company should have separate insurance.

Yes, the policy may be terminated before its expiration on the grounds of:

• Cancellation of the motor vehicles license.
• Submission of a new policy due to change of the motor vehicle details.
• Transfer of the motor vehicle title by virtue of certificate issued by the concerned authority.

• Registration card of the new owner name.
• Possession certificate / transfer certificate issued by the Traffic Department.

It depends on the insurance remaining period, place of registration and the new owner details.

Yes, the insurance company considering the clean claims history to offer discounted price for the insurance.

If you have any restrictions on your driving license and/or your traffic file from the concerned authority.

• You can visit our website, mobile App. and our customer portal.
• Contact us via e mail, call (landline, toll free number).
• You can visit our office between 8:00 Am to 5:00 Pm Sunday to Thursday.
• Our online payment facilities.

From the registration card or Traffic Dept. website.

• If the accident caused by third party and not unknown, you are eligible to get rent a car (as per I.A) without charges.
• For own/unknown damage claims, you have to pay additional charges to get rent a car.

We have multiple plans and options and it depends on which plan and covers you need.

You have to buy separate insurance from us direct or from Oman Borders.

800 4101 - International Motoring Club (IMC)

• If the accident caused by third party and not unknown, you are eligible to get rent a car (as per I.A)without charges.
• For own/unknown damage claims, you have to pay additional charges to get rent a car.