The Rabt team

These guides are written by the team that builds Rabt, from the rate charts, tables of benefits and insurer paperwork we handle every day for UAE brokers. They are not attributed to an individual, because more than one person works on them. Where a page states a figure, it comes from Rabt’s demonstration inventory and says so.

Rabt — Dubai

Guides

How UAE health insurance rate tables work
A UAE rate table prices one plan by age band and member category, split again by network and co-pay. Here is how to read one without misquoting.
TPA networks in the UAE, explained for brokers
A TPA runs the policy and owns the provider network. Which TPA and which network tier a plan sits on decides both the price and the client experience.
Co-pay vs deductible vs coinsurance in the UAE
Three different ways a member shares the cost of a claim. Which one a UAE plan uses changes what a client pays far more than the headline premium does.
Health insurance age bands in the UAE, explained
An age band is one row of a rate chart. There is no standard UAE grid, which is the single biggest obstacle to comparing plans in a spreadsheet.
Why married female health rates cost more in the UAE
Some UAE charts price married women separately from single women. The gap runs up to 97% at 21–25 and disappears entirely from 51 onwards.
Comparing seven health plans without a spreadsheet
What actually has to line up before two UAE health plans can be compared honestly, and why the spreadsheet version quietly gets it wrong.
BASMAH and ICP — the levy on a UAE health quote
The per-member charge added to a UAE health premium goes by two names. Where it comes from, what it costs, and where the arithmetic goes wrong.
The AED 4,000 salary band and essential benefits
Salary decides which UAE health plans an employee is eligible for at all. The AED 4,000 threshold is the one that appears throughout insurer underwriting.
The medical application form (MAF) in UAE insurance
A MAF is the health declaration an insurer needs before accepting a member. Which plans require one, and above what age, changes how they can be quoted.
DHA, DOH and the Northern Emirates compared
Health insurance in the UAE is regulated per emirate. Which authority applies changes the mandatory minimum, the product shapes and the rate chart itself.