In a landmark development set to reshape the healthcare and insurance sectors in the United Arab Emirates, the Central Bank of the UAE (CBUAE) has issued a binding circular to all health insurance companies operating in the country, requiring them to include healthcare services related to the removal and transplantation of human organs and tissues in their health insurance policies and relevant endorsements.
The requirement extends to comprehensive medical care for both donors and recipients before, during and after the procedure, including the treatment of long-term complications, with no time limit on coverage.
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The requirement covers healthcare services provided to both donors and recipients before, during and after transplantation.
In its circular addressed to all insurance companies operating in the UAE, the Central Bank clarified that the requirement covers healthcare services provided to both donors and recipients before, during and after the procedure, including the treatment of any resulting complications, regardless of when such complications emerge or are diagnosed.
The circular further stipulates that insurance companies must bear the costs of these services under all health insurance schemes in force across the UAE.
