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universal health insurance

5 July 2023

If you're thinking of learning more about the new universal health insurance system for yourself or your family, here's a full article with all the details that will help you.

It is important to note that most private health insurance systems exclude a wide range of overhead costs incurred during medical treatment, and as an individual you may personally bear many of these costs when undergoing medical treatment.

The most important thing that citizens think about at this time is that medical treatment has become a financial burden due to the high material cost of all supplies, examinations and procedures that it undergoes in the event of illness, especially given the alarming rate of medical inflation in the entire world, so the Republic has started the comprehensive health insurance system to solve common health care problems, especially material.

In this article, we will discuss what universal health insurance is, who are the beneficiaries of universal health insurance, why you should consider falling under universal health insurance plans over regular health insurance, what you need to know about it and more.

Who are the beneficiaries of universal health insurance?

All citizens without exception can benefit from the comprehensive health insurance system, as it is a system that includes all parts of the Republic in all governorates, centers and villages, and aims to serve citizens throughout the country in terms of medical and treatment, and the most important feature of universal health insurance is that it is supported by a very large part of the government system to serve citizens at the lowest cost and highest efficiency.

What is universal health insurance?

Comprehensive health insurance is a comprehensive medical insurance system that covers therapeutic material expenses ranging from inpatient treatment to consultations, outpatient treatment, hospital stay, medical tests and examinations, as well as treatment and medications later.

This system was established by the state to help all strata of society to obtain health and medical services without the need to incur large material costs while undergoing medical and other treatments, while basic health insurance often covers patient care in certain situations, while universal health insurance is designed to provide significant coverage for medical emergencies and other conditions.

How much does universal health insurance cost?

So far, no specific final plan has been developed for the cost of comprehensive health insurance for citizens, but there is an approximate percentage, where only 5% of the insurance wage is paid in addition to 3% for the wife who is not working or who does not have a fixed income, and 1% for each dependent or son, so that the total amount paid by the individual for the whole family does not exceed 7%, and the public treasury bears the cost difference in case it exceeds that.

What are the benefits that motivate you to join the comprehensive health insurance plan?

Universal health insurance provides a much broader range of medical protection and benefits enjoyed by citizens, compared to regular health insurance plans.

With the implementation of the comprehensive health insurance plan, citizens will get great advantages in medical coverage, and they can also control costs, payments and medical expenses with ease, and in return, it gives you permanent reassurance in terms of treatment and hospitalization costs, and here are more reasons why the next comprehensive health insurance is the best and most comprehensive option for all citizens, whether in the private or public sector:

Extensive coverage: As the name suggests, universal health insurance covers a wide range of medical costs, such as personal accident coverage, critical illness coverage, maternity and pregnancy benefits, etc.

Pre-existing illness coverage: Comprehensive health insurance covers a range of treatments related to existing illnesses and pre-existing illnesses.

Usually, private insurance plans do not cover this type of illness, which makes you incur excessive financial costs if you get private medical insurance with an insurance company.

Family Coverage: Through the Universal Health Insurance Plan, employees can cover their entire family under one insurance policy, including coverage for spouse, children and fathers. In addition, the sum insured is provided either on an individual basis or the general family plan.

Non-cash treatment: As with regular health insurance premiums, the comprehensive health insurance plan offers cashless treatment options. All hospital costs are paid directly.

Outpatient treatment: The comprehensive health insurance system bears the cost of outpatient expenses, whether in hospitals or private clinics, which are not usually covered by normal insurance policies, as citizens get coverage for doctor's consultation fees, without the need for hospitalization.

Who is responsible for implementing the universal health insurance system?

The universal health insurance system is managed by three public bodies:

  • Universal Health Insurance Authority: It manages and finances the purchase of health services provided to subscribers to the system.

  • Health Care Authority: Hospitals, units and centers of public sector service providers.

  • Health Accreditation and Control Authority: It aims to ensure the quality of health services and is responsible for granting licenses to entities involved in providing health service in hospitals