This article explains the end-to-end process for the annual renewal of employee medical insurance in the UAE, including preparation steps, declaration requirements, and post-renewal communication.
1. Core Changes in the Renewed Policy
The new 2025–2026 medical insurance plan introduces the following improvements:
Expanded medical network for broader hospital and clinic access.
Enhanced inpatient and outpatient benefits, improving coverage and reimbursement.
New Third-Party Administrator (TPA) for faster claims processing and higher service efficiency.
24/7 dedicated support channels for policyholders.
Improved claims management process enabling quicker approvals and resolution.
2. Declaration Form Requirement
A Medical Declaration Form must be completed for:
Employees aged 60 years and above.
Any employee (or dependant) with pre-existing medical conditions.
The form should be collected before policy issuance to enable risk assessment by the insurer.
Incomplete or missing forms may delay coverage activation.
3. Premium Adjustment Clarification
Flat loadings apply only as risk adjustments for declared conditions identified during underwriting.
Loadings:
Do not affect policy coverage or benefits.
Do not add exclusions unless specified by the insurer.
Represent an additional premium required to enable coverage under the DHA-compliant plan.
Table of Benefits (TOB) remains unchanged across all policies unless otherwise confirmed in writing.
4. Post-Renewal Implementation
Upon final confirmation and approval:
TXM will circulate the official welcome pack from the new insurer ( Liva Insurance).
Employees will be guided to:
Download the myNas app.
Access their digital eCard.
Attend a short orientation session on the new policy benefits and claim processes.
All orientation sessions will be recorded and shared for reference.
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