Latest news with #affordablehealthcare
Gulf Business
13-06-2025
- Health
- Gulf Business
Everything you need to know about the UAE's basic health insurance plan
Image credit: Getty Images The UAE has officially implemented its Basic Health Insurance Plan for private sector employees and domestic workers across the Northern Emirates, marking a pivotal shift in the nation's approach to healthcare access and affordability. Read: Effective since Affordable healthcare now a reality for thousands At the heart of the plan is a commitment to affordability. Under the new scheme, beneficiaries pay: 20 per cent co-payment for inpatient care, capped at Dhs500 per visit and Dhs1,000 annually 25 per cent co-payment for outpatient visits, with a maximum of Dhs100 per visit 30 per cent co-payment on medication, capped at Dhs1,500 annually Follow-up consultations within seven days of the original appointment are exempt from co-payment, a move aimed at encouraging consistent medical follow-through. The low-cost structure has been designed to lift a long-standing burden from domestic workers and laborers in the private sector, many of whom previously relied on out-of-pocket payments or informal arrangements. New coverage brings a regulatory shift The Basic Health Insurance Plan stems from a federal directive issued in 2024, requiring all private sector employers in Sharjah, Ajman, Fujairah, Ras Al Khaimah, and Umm Al Quwain to provide mandatory health insurance for their workers. The scheme, now fully in effect, complements existing laws in Dubai and Abu Dhabi. Dubai's health insurance is governed by Law No. 11 of 2013 under the Dubai Health Authority (DHA), while Abu Dhabi follows Law No. 23 of 2005, enforced by the Department of Health (DoH). Both cities already mandate employer-sponsored insurance, including comprehensive benefits. With the Northern Emirates now on board, the UAE's healthcare policy framework has moved significantly closer to universal coverage. MOHRE and digital integration The Ministry of Human Resources and Emiratisation (MOHRE) leads the implementation of the Basic Health Insurance Plan in collaboration with the Ministry of Health and Prevention and the Federal Authority for Identity, Citizenship, Customs and Port Security. Insurance under the new scheme is administered via the Worker Health Insurance platform, managed by Dubai Insurance Company PSC, which also handles claims. The plan's data infrastructure is integrated with Riayati, the national digital health platform, and the National Unified Medical Record (NUMR)—a step that is streamlining patient care and bolstering public health analytics. 'This is not just about coverage; it's about systemic transformation,' said Anand Singh, Senior Counsel for Transport and Insurance at Al Tamimi & Company. 'We're witnessing a transition toward a data-driven, integrated health system that aligns with global best practices.' Changing the game for pharmacies The impact of the plan is already visible in the pharmaceutical sector. Over 44 pharmacies have joined the provider network, and more are expected to follow. These outlets report increased footfall from newly insured patients seeking both prescription medications and over-the-counter drugs. Pharmacies are being urged to upgrade their IT systems to comply with the plan's digital requirements, including electronic prescriptions and automated claims submission. The result? Faster approvals, fewer errors, and a more efficient dispensing process. This digital transformation is expected to reduce administrative delays and help create a seamless patient journey from diagnosis to treatment. Visa requirements reinforce compliance To ensure full enforcement, the UAE has made valid health insurance a mandatory requirement for residency visa issuance and renewal. Expatriates without proof of insurance coverage are ineligible for visa services, effectively closing the gap in enforcement that previously allowed some employers to bypass their obligations. Golden Visa holders must present proof of long-term health insurance, prompting insurers to develop specialised packages that cater to high-net-worth individuals and long-term residents. Strengths of the Basic Health Insurance plan The launch of this plan has addressed several long-standing gaps in the UAE's healthcare ecosystem: Greater access to healthcare: Thousands of low-wage workers now have access to essential services Financial protection: Medical costs are reduced for workers and employers alike Better public health outcomes: With increased access to early diagnosis and preventive care, the system is expected to reduce long-term treatment costs Streamlined data: Integration with Riayati and NUMR improves coordination across providers and ensures continuity of care Employers previously offering private coverage also benefit, as the Dhs320 plan offers a cost-effective alternative to more expensive insurance packages. Increasing costs The rollout of mandatory insurance arrives at a time when the UAE's healthcare industry is facing cost pressures across the board. Health insurance claims reached Dhs16.5 billion in 2024, an all-time high. Analysts warn that unless cost containment measures are introduced, both insurers and patients may face long-term challenges. For hospitals and clinics, the sudden influx of insured patients has led to increased demand for medical staff, diagnostic services, and infrastructure upgrades. Without sufficient capacity expansion, patients may encounter longer wait times, reduced face time with doctors, and service delays. Insurance sector reactions Insurance companies are also recalibrating. High claim volumes are pushing firms to tighten approval processes and reconsider premium pricing models. Some providers are exploring bundling coverage or introducing tiered plans to manage risk. The broader concern is sustainability. If costs continue to rise without corresponding revenue growth or efficiency improvements, insurers may be forced to raise premiums on other policies or reduce coverage options. 'This is where coordination between the government, healthcare providers, and the insurance industry becomes critical,' said Singh. 'You can't build a strong healthcare system without economic sustainability.' A blueprint for the region? Experts believe that the UAE's model could set a precedent for neighboring Gulf countries looking to reform their healthcare systems. The combination of affordability, mandatory enforcement, and digital integration creates a blueprint that balances access with accountability. However, observers stress that continuous monitoring, stakeholder feedback, and policy refinement will be essential. The road ahead The successful implementation of the Basic Health Insurance Plan is just the beginning. Authorities are expected to monitor the plan's rollout closely in the coming months, with potential expansions in coverage — including maternity benefits — already under discussion. As Singh put it, 'We've cleared the first major hurdle, but healthcare is a moving target. The next challenge is scaling up, closing the gaps, and making sure no one falls through the cracks.' For now, the UAE's health sector enters a new chapter — one that promises a more inclusive, equitable, and digitally enabled future.
SBS Australia
10-06-2025
- Business
- SBS Australia
Albanese to focus on health, childcare in second term
Prime Minister outlines priorities for coming years Los Angeles police probe rubber bullet fired at Australian journalist Italy defeat Moldova in race to 2026 World Cup In this bulletin, Prime Minister says affordable healthcare is among the top priorities in his second term, Los Angeles Police Department investigates how an Australian journalist was shot by a rubber bullet, And in football, Italy beat Moldovo as they fight for a place in the World Cup for the first time in a decade. Prime Minister Anthony Albanese says expansion of Medicare urgent-care clinics, cheaper childcare, and affordable housing, are among key priorities for Labor's second term. Speaking at the National Press Club, Mr Albanese says the government is focused on its commitments to stronger healthcare, better education, and help with the cost of living. In the Prime Minister's first major address since his election win in May, he says his government is dedicated to implementing lasting and meaningful change. He says delivering on his election promise to improving access to free, urgent medical care is high on the agenda when Parliament resumes in July. "I want to start opening the 50 new Medicare urgent care clinics we promised this year, and we want them all open by the middle of next year. Combined with the 87 we have already opened; this will mean four out of every five Australians will live within 20 minutes of a clinic." Mr Albanese has also announced a new productivity round table, to help lift Australia's lagging productivity. The Prime Minister told the National Press Club business and non-government organisation leaders will be among those invited to attend the planned summit, alongside industry and union representatives. The event is a response to concern from industry experts about Australia's lagging rate of productivity, which is considered a key economic measure of efficiency and improved standards of living. Greens Senator Sarah Hanson-Young welcomes the summit but supporting more women to participate in the workforce should be a top priority. "Well one of the first and best things the Prime minister could do to boost productivity is to help more women participate in the workforce, and that would be by making childcare genuinely free, so that mums and dads can participate in the workforce and know that their children will be cared for by good quality educators in an affordable manner." The Prime Minister has confirmed he has raised the issue of an Australian journalist being shot by a rubber bullet, with the United States. Channel 9 reporter, Lauren Tomasi was covering protests in Los Angeles, when a U-S police officer appeared to aim directly at her, before firing into her leg. Anthony Albanese says he called the journalist and said the incident was unacceptable, but he would not give details whether he would raise the case in talks with U-S President Donald Trump next week. Footage of the shot has made headlines around the world, with an investigation now underway by the Los Angeles Police Department. LAPD Chief, Jim McDonnell, says the case is troubling. "I know the situation you're referring to with the member of the media. We saw that we're very concerned about that and we're looking into that." The White House has now deployed the Marines to escalating protests in L-A, which began as a response to raids by immigration officers and escalated after military troops were called to respond. The New South Wales Premier says if major changes aren't made to the state's workers' compensation scheme, it will not exist in five to 10 years. The Premier is proposing to limit insurance protections for workers with psychological injuries. In recent years, growing numbers of mental health claims, which have longer recovery times than physical injuries, have placed the New South Wales scheme under pressure. Mr Minns' bill has been delayed and referred to a second parliament inquiry. "Ultimately, if you're prepared to put enormous amounts of public money into the subsidy, it can continue, but the point the treasurer has made is that it's not sustainable. And that's the point we've made in relation to workers comp, yes we can keep putting in public money, but it will come at the expense of new schools, new hospitals, new public transport routes, ad also, crucially, an increase in pay for public sector workers in New South Wales." The EU Commission has announced a 1.5 billion-dollar plan to protect oceans and support coastal communities and fisheries. The pact follows the release of figures from nonprofit Marine Conservation Institute that says less than three percent of the ocean is effectively protected from destructive commercial activities. That's far below the target agreed under the COP28 Global Biodiversity Framework pledge to conserve 30 percent of land and sea by 2030. Commission President Ursula Von Der Leyen has laid out some of the key elements of the 27 nation bloc's new Ocean Pact at a gathering in the southern French city of Nice. She says the agreement aims to reduce plastic pollution, restore maritime ecosystems, and fight against illegal fishing. "We will strive to cut plastic and nutrient pollution by half, within five years. This can be reached. We should make this effort, my friends." And in football, Italy have beaten Moldova 2-0 as the embattled Azzurri attempt to reach the FIFA World Cup for the first time since 2014. Ahead of Monday night's game in Reggio Emilia, Italy coach Luciano Spalletti received news he would be losing his job after the team's 3-0 loss in Norway last week. After a disappointing start to their campaign to qualify for the 2026 World Cup, goals by Giacomo Raspadiro and Andrea Cambiaso meant Spalletti at least departed with a victory. But Azzurri remain in a precarious position in Group I, with Norway beating Estonia 1-0 — thanks to Erling Haaland's 62nd-minute goal.
Mail & Guardian
04-06-2025
- Business
- Mail & Guardian
A prescription for Gauteng's health: Generics, state pharma and the power of local
Generic medicine produced locally are the cornerstone of affordable healthcare. In the heart of Gauteng, where the pulse of South Africa's healthcare system beats loudest, a quiet revolution is overdue. It's not about high-tech hospitals or billion-rand budgets. It's about generics, local pharmaceutical manufacturing and the untapped potential of small businesses. If we're serious about equitable healthcare, we must rethink how we produce, price and provide medicine. Generics, the unsung heroes Generic medicines are chemically identical to their branded counterparts but are sold at a fraction of the price. They are the cornerstone of affordable healthcare globally. In South Africa, where the cost of living continues to rise and public hospitals face chronic shortages, generics offer a lifeline. Yet, despite their proven efficacy, generics remain underutilised and under-promoted. Why? Because the pharmaceutical market is still skewed in favour of brand-name monopolies, often protected by patent extensions and marketing muscle. Meanwhile, patients in Gauteng are forced to choose between paying for transport to clinics and buying essential medication out of pocket. The single exit price (SEP) policy, introduced to regulate medicine pricing, has helped standardise costs across the private sector. But it has also inadvertently squeezed out smaller players and discouraged innovation. While SEP has made medicines more affordable, it has not addressed the deeper structural issues that limit access — chief among them, our reliance on imported drugs and the lack of local manufacturing capacity. More than a factory Imagine a state-owned pharmaceutical company — not as a bureaucratic behemoth, but as a strategic engine for public health. Such an entity could prioritise the production of essential generics, stabilise supply chains, and reduce dependence on imports. It could also serve as a price anchor in a volatile market, ensuring that life-saving drugs remain within reach for all South Africans. India's model offers a compelling precedent. By allowing local manufacturers to produce generics even when patents exist elsewhere, India has become the world's largest supplier of affordable medicines. South Africa, with its scientific talent and industrial base, could do the same — if we had the political will. A state pharmaceutical company could also play a critical role in addressing medicine shortages, particularly for antibiotics and chronic disease treatments. These shortages are not just logistical failures — they are symptoms of a system that prioritises profit over public health. A state-led approach could ensure that essential medicines are always available, especially in underserved areas. The missing link in local pharma Gauteng is home to a vibrant ecosystem of small and medium-sized enterprises (SMEs), many of which are eager to enter the pharmaceutical space. But they face steep barriers: regulatory red tape, lack of financing and an uneven playing field dominated by multinational giants. Supporting these SMEs isn't just good economics — it's smart health policy. Local businesses can respond faster to regional needs, create jobs and build resilient supply chains. With targeted incentives, training and procurement support, these enterprises could become the backbone of a home-grown pharmaceutical sector. Moreover, SMEs are often more agile and innovative than their larger counterparts. They are well-positioned to develop niche products, explore green manufacturing practices and collaborate with academic institutions on research and development. But without access to capital and streamlined regulatory pathways, their potential remains untapped. South Africa imports the vast majority of its active pharmaceutical ingredients, making us vulnerable to global supply chain disruptions. The Covid-19 pandemic exposed this fragility in stark terms. Delays in vaccine procurement, shortages of basic medicines and inflated prices were all consequences of our overreliance on foreign suppliers. Local production is not just about economic sovereignty — it's about health security. By investing in domestic manufacturing, we can ensure a steady supply of essential medicines, reduce costs and create high-skilled jobs. Gauteng, with its industrial infrastructure and access to research institutions, is the ideal hub for such an initiative. But local production must be accompanied by regulatory reform. The South African Health Products Regulatory Authority must streamline its approval processes and provide clear guidance for new entrants. Delays in drug registration not only stifle innovation — they cost lives. We need a three-pronged strategy: normalise generics through public education, prescriber incentives and regulatory support. Patients must be empowered to ask for generics and healthcare providers must be incentivised to prescribe them. Establish a state pharmaceutical entity focused on essential medicines and public health priorities. This entity should operate transparently, with clear mandates and measurable outcomes. Empower local businesses with access to capital, streamlined licensing and inclusion in public procurement. Government tenders should prioritise local manufacturers, especially those producing high-demand generics. Additionally, we must invest in skills development. Young South Africans should be trained in pharmaceutical sciences, regulatory affairs and supply-chain management. A thriving local industry requires not just factories, but a skilled workforce to run them. The bigger picture The pharmaceutical industry is not just about pills and patents — it's about power. Who controls the supply of medicine controls the health of a nation. For too long, that power has rested in the hands of a few multinational corporations. It's time to reclaim it. The Covid-19 pandemic taught us that health is a public good, not a private commodity. It also taught us that resilience comes from within. By embracing generics, supporting local businesses and establishing a state pharmaceutical company, we can build a healthcare system that is not only more affordable but more just. It's time to stop importing solutions and start manufacturing them. Fentse Maseko works for the pharmacy and pharmacology department at the University of Witwatersrand and is a PhD applicant.
Khaleej Times
31-05-2025
- Business
- Khaleej Times
PricelessMed and International Modern Hospital sign strategic partnership to expand value healthcare access in Dubai
PricelessMed, the UAE's first health tech platform focused exclusively on discounted medical services, proudly announces the signing of a strategic partnership with International Modern Hospital (IMH). The signing ceremony took place at IMH on May 20, 2025, marking a significant milestone in both institutions' shared vision of making high-quality healthcare more accessible and affordable across the region. The ceremony brought together leaders from both organisations, including PricelessMed's managing director, PricelessMed business development team, and PricelessMed legal advisors, alongside International Modern Hospital's chief executive officer, medical director, and director operations. The agreement reinforces PricelessMed's commitment to growing its provider network with top-tier medical institutions and highlights IMH's continued legacy of excellence in serving the UAE community. A Hospital with Legacy and Capacity Founded in 2005, International Modern Hospital is a well-established private healthcare provider that has earned the trust of Dubai's growing population over two decades. Strategically located near the Dubai-Sharjah border, International Modern Hospital is ideally positioned to serve patients from both emirates. The hospital features a robust infrastructure with; a 100+ bed capacity supporting inpatient services. With state-of-the-art operating rooms for surgeries and critical interventions. A fully operational Emergency Department (ER) providing 24/7 care. International Modern Hospital is known for combining international clinical standards with compassionate, community-centered care, making it a natural partner for PricelessMed's mission. A New Chapter in Accessible Healthcare Basma Fouda, PricelessMed MD highlighted that this partnership would bring a selection of high-demand medical services from International Modern Hospital onto the PricelessMed platform, allowing users to access; Specialty medicine across disciplines such as internal medicine, pediatrics, OB-GYN, and more. Advanced laboratory diagnostics for routine and specialized testing. Comprehensive radiology services including X-rays, ultrasound, CT scans, and MRI. By listing these services on PricelessMed's user-friendly mobile app and website, patients will now have access to transparent discounts, real-time availability, and simple booking with one of Dubai's most trusted hospitals. Strategically Aligned for Mutual Growth "The collaboration between International Modern Hospital and PricelessMed is more than a service listing; it represents a strategic alignment between two organisations committed to innovation, community health, and operational excellence," said Kishan Pakkal, CEO of International Modern Hospital. 'Partnering with PricelessMed opens a valuable new channel for International Modern Hospital to connect with self-paying patients who are looking for premium healthcare at accessible prices,' he said. 'This collaboration supports our broader vision of serving a larger population and reinforces our role as a pioneering healthcare provider in both Dubai and Sharjah. Our strategic location at the intersection of both emirates uniquely positions us to reach diverse communities, and with PricelessMed's digital platform and marketing support, we can further highlight our specialised services, departments, and expert consultants to those who need them most.' For PricelessMed, onboarding International Modern Hospital expands its network with a reputable hospital partner that enhances the platform's credibility and strengthens its presence in Dubai and Sharjah. International Modern Hospital's range of services and high standards align seamlessly with PricelessMed's focus on quality, accessibility, and value. A Partnership Built on Shared Vision Speaking on the occasion, Basma Fouda from PricelessMed commented: 'We are thrilled to welcome International Modern Hospital to our growing list of partner providers. Their legacy of excellence, comprehensive care, and prime location makes them a perfect fit for our platform. Together, we will empower more patients to access the care they need, without financial strain.' International Modern Hospital, Director Operations, Remya Venugopalan, added: 'Partnering with PricelessMed enables us to further our mission of delivering high-quality healthcare to all segments of society. As the healthcare landscape evolves, this collaboration positions International Modern Hospital to be at the forefront of digital access and affordability.' 'This partnership represents more than just a business agreement, it reflects a shared commitment to ethical, transparent, and patient-centered healthcare,' said Ahmed Al Adly, Founder of Al Adly and Co Legal Firm and PricelessMed Legal Advisor. 'From a legal and compliance perspective, we have ensured that this collaboration upholds the highest standards of data protection, operational integrity, and regulatory alignment. We are proud to formalize this relationship with a trusted institution like International Modern Hospital, and we view it as a strategic alliance built on trust, shared values, and long-term impact for the community.' Unlocking Affordable, High-Quality Healthcare. PricelessMed, launched in May 2025 by Priceless Health LLC-FZ, is the first dedicated health tech platform in the UAE offering discounts of 15 per cent to 70 per cent on over 1,000 medical services. Designed with a seamless user experience, the platform connects users with verified providers across specialties like pediatrics, fertility, traditional medicine, aesthetics, dental care, and more. The partnership with Legal Firm adds to a rapidly expanding list of providers offering services across clinics, hospitals, day surgery units, and home care facilities. Through a robust search engine, advanced filtering options, and transparent pricing, PricelessMed delivers a seamless and digital healthcare experience. With subscriptions currently free until October 2025, users are encouraged to explore the app and experience first-hand how PricelessMed is making healthcare more accessible than ever before.
Zawya
29-05-2025
- Business
- Zawya
Kenya: Ministry of Health and Roche Partner to Cut Breast Cancer Treatment Costs by Two-Thirds
Breast cancer patients in Kenya are set to benefit from a major cost reduction in treatment, with sessions expected to drop from KES 120,000 to KES 40,000 following a landmark partnership between the Ministry of Health and Roche East Africa. Presiding over the event, Health Cabinet Secretary Hon. Aden Duale officially launched the collaboration between the Ministry—through the Social Health Authority (SHA)—and Roche East Africa. This partnership aims to strengthen financial protection for patients battling cancer, one of Kenya's leading non-communicable diseases (NCDs), in line with the country's Universal Health Coverage (UHC) agenda. The Memorandum of Understanding (MoU) marks a bold step toward improving access to affordable, quality cancer care, particularly for breast cancer patients. Under the agreement, the cost per treatment session is capped at KES 40,000, with no co-payment required from patients. The partnership will be rolled out across all SHA-contracted facilities—including public, faith-based, and private hospitals—ensuring equitable access to care. Key components of the collaboration include: Enhanced access to essential cancer medicines and diagnostics Capacity-building and training for healthcare workers in breast and cervical cancer management Expanded screening and early detection efforts to support timely intervention and better health outcomes In his remarks, Hon. Duale reiterated the Ministry's commitment to transforming Kenya's health system, highlighting ongoing reforms such as the rollout of digital health tools to combat counterfeit medicines and unqualified practitioners. 'This partnership is not only about reducing treatment costs; it's about saving lives, promoting equity, and reinforcing the integrity of our healthcare system,' said the Cabinet Secretary. The event was attended by a high-level delegation led by Roche East Africa General Manager Ms. Jacqueline Wambua. Also present were Public Health and Professional Standards Principal Secretary Ms. Mary Muthoni, SHA Chairperson Dr. Abdi Mohamed, Acting SHA CEO Mr. Robert Ingasira, Pharmacy and Poisons Board CEO Dr. Fred Siyoi, and KMPDC CEO Dr. David Kariuki. Distributed by APO Group on behalf of Ministry of Health, Kenya.
