Can a Dubai hospital refuse to treat a patient in an emergency if their insurance does not cover that hospital?

No—under Dubai’s Health Insurance Law, insurers must cover emergency treatment even at hospitals outside their network, and medical service providers are legally required to offer immediate emergency care until the patient is stabilised, regardless of insurance coverage or network limitations. Hospitals cannot refuse emergency treatment, and insurers cannot deny payment simply because the facility is “out of network.” If such treatment is ever denied, patients may report the case to the Dubai Health Authority. What are your thoughts—should emergency care always be guaranteed regardless of insurance restrictions?

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