Dubai Insurance
info@dubins.ae
800DUBINS(382467)
Dubai
Dubai Insurance Head Office Al Rigga Road, Deira, P.O Box 3027
+971 4 2693030
Abu Dhabi
Abu Dhabi Branch Office Airport Road, PO Box 94797
+971 2 6725572
Contact Us
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800DUBINS(382467)
Dubai
Dubai Insurance Head Office Al Rigga Road, Deira, P.O Box 3027
+971 4 2693030
Abu Dhabi
Abu Dhabi Branch Office Airport Road, PO Box 94797
+971 2 6725572
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Frequently Asked Questions
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Frequently Asked Questions
FAQ
Health Insurance
What is health insurance?
Health insurance is a type of insurance that covers medical expenses that arise due to an illness. These expenses could be related to hospitalization costs, cost of medicines or doctor consultation fees.
Why should I buy health insurance?
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.
How will health insurance pay for my emergency medical expenses?
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.
What kinds of health insurance plan are available?
Individual plans & Group medical insurance
What are the factors that affect health insurance premium?
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:
What does a health insurance not cover?
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.
Is maternity covered?
Maternity is covered for legally married females.
How will the medical provider check my eligibility?
Medical provider can check the eligibility with online portals. However members are requested to avail services within the listed network of providers.
What hospitals do you work with?
We work with almost all hospitals in UAE
Will my insurance coverage be affected because of the expiry of my Emirates ID?
Insurance cover will discontinue only if your visa is cancelled.
Can I cancel my policy?
Policy holder can be cancel as per the agreed cancellation terms in the policy.
How can I have my medical emergency claims reimbursed?
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.
What documents do I have to provide to get reimbursed?
Completely filled reimbursement claim form, paid invoices & all relevant reports.
Will I be covered if I have an emergency on the expiry date of my policy?
Please note you will have cover only until the policy expiry date.
What special features do you have to attract me to join Dubai Insurance?
Customer service & Reliability
How should I obtain a health insurance?
Please visit our website www.dubins.ae for more information.
Am I eligible for insurance cover in my home country?
We can arrange home country treatment as per policy terms & conditions.
Do you have 24/7 assistance?
Yes, we have 24/7 toll free number 800382467 for assistance.
motor insurance
What Is motor insurance?
Motor insurance, also known as automotive/car insurance, is an insurance policy (contract) by which the insurer (the insurance company) covers the insured (the car owner) in case of financial losses – resulting from an accident or other damages – sustained by the insured vehicle.
Do I need motor insurance in uae ? is it mandatory to have ?
According to the UAE Roads and Traffic laws, it is mandatory for all vehicle owners to get car insurance cover.
What type of Insurance coverages do your company provide?
(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
(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
My relative drives my vehicle, will he be insured?
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.
How can I avail for Motor Insurance?
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
What kind of repair garages do you have?
We have a list of panel garages that are experienced, efficient and adhere strictly to repair quality controls.
Does my motor insurance cover hit and run accident?
Yes provided that you are holding a comprehensive motor insurance policy subject to submission of the police report.
In case where my car is at repairs, do I get an alternative car?
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.
My car has agency repairs and they told me I will be charged “depreciation on spare parts”, what is it about?
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:
Year
Percentage
First
-
Second
5%
Third
10%
Fourth
15%
Fifth
20%
Sixth and above
30%
Do I need a police report to repair windscreen damage?
Police report is mandatory to register claim.
If I claim, do I need to pay additional amounts?
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:
10% of the amount of compensation if the Motor Vehicle Driver is below the age of 25 years.
10% of the amount of compensation in case of taxi and public transport vehicles.
15% of the amount of compensation of sports cars and modified vehicles.
20% of the amount of compensation of vehicles modified outside the factory.
20% of the amount of compensation of rental vehicles
In case of hit and run, do I pay excess / deductible?
Yes, excess is applied Unknown Damage as it is categorized as Own Damage claim.
If my vehicle is in immovable condition, can I request for towing service?
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.
What is the contact number for emergency roadside services or to place vehicle towing request in case of an accident?
You can reach us on the below number for immediate assistance 8004101 - Within UAE
Does my car insurance cover me when I rent a car ?
No, the rent a car company should have separate insurance.
Can I cancel my policy ?
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.
What documents are required to be submitted ?
Registration card of the new owner name.
Possession certificate / transfer certificate issued by the Traffic Department.
In case of car being sold, is it possible to transfer insurance in the name of new owner?
It depends on the insurance remaining period, place of registration and the new owner details.
Driving history affects my insurance ?
Yes, the insurance company considering the clean claims history to offer discounted price for the insurance.
How is the price on insurance calculated?
What cases make me unable to get insured?
If you have any restrictions on your driving license and/or your traffic file from the concerned authority.
How can I renew my policy ?
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.
How will I know the renewal date of my Car Insurance?
From the registration card or Traffic Dept. website.
What if I fail to renew my car insurance on the due date?
What is No Claims Discount (NCD)?
Do you provide cover for high value cars and sports cars?
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.
What type of Roadside Assistance services do you offer?
We have multiple plans and options and it depends on which plan and covers you need.
Does my car insurance policy include cover in Oman?
You have to buy separate insurance from us direct or from Oman Borders.
What is the Roadside Assistance Service Contact Number?
600 575751 - International Motoring Club (IMC)
In case of a claim, will you provide me with an alternative car to use while mine is in the garage?
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.