The Essential Benefits Plan (EBP): Dubai’s Legal Safety Net In Dubai, the term “medical aid plan” refers specifically to the Essential Benefits Plan (EBP). This isn’t a voluntary charity scheme; it is the absolute minimum health insurance standard mandated by the Dubai Health Authority (DHA) for every resident. This includes all employees, their spouses, children, … Read more
The Hidden Trap: US Insurance Doesn’t Cross the Ocean If you brought your high-end smartphone—your iPhone, your Samsung Galaxy—from the US and kept your Verizon Wireless Protection Plan (underwritten by Asurion), you are paying for protection that may completely fail you in Dubai. Expats moving to the UAE often hold onto these familiar US plans, … Read more
The $1,000 Disaster: When Local Plans Fail Abroad You bought your premium smartphone in the US, and now you live in Dubai. You might be tempted to switch to a local UAE insurance plan, but here’s a critical truth: no local plan in the UAE offers the seamless, worldwide protection that US-based carrier insurance provides. … Read more
The Expats’ Greatest Fear: Debt After Death The single largest financial risk for an expat family in Dubai isn’t a job loss—it’s the sudden, unexpected loss of the primary income earner. In the UAE, debts, loans, and mortgages do not vanish upon death; they become a crushing liability that your family, already grieving, is legally … Read more
The UAE Reality: A Cracked Screen is a Financial Emergency That sleek, new smartphone you bought in Dubai isn’t just a gadget; it’s a $3,000 liability waiting for a single slip. In the UAE’s high-cost market, replacement parts for flagship devices are exorbitant, and unauthorized repair shops often void the manufacturer’s warranty. Most people skip … Read more