Qatar Health Insurance for Expats

International Health Insurance for Expats in Qatar

Qatar is an attractive country for expatriates to start a new life and career but expatriates must take out private health insurance to make the most of the healthcare system. This includes public and private healthcare. 

This Pacific Prime guide offers a practical summary of the healthcare and health insurance landscape in Qatar for expats residing or traveling in the country. 

Recommended International Health Insurance Plans for Expatriates Living in Qatar

Overview of Qatar’s Public and Private Healthcare

Qatar is known for having one of the best public and private healthcare systems globally, according to the London-based think tank, Legatum Institute. The healthcare system is available to both Qataris and expatriates through public and private healthcare services.

Public Healthcare in Qatar

In Qatar, public health services provide free or highly subsidized healthcare for the population. All native Qataris and residents receive free treatment under the health card scheme. Expatriates pay a small out-of-pocket fee or are covered by a health card or private health insurance.

Listed below are some of the best public hospitals in Qatar, recognized for their high-quality services and advanced facilities:

• Hamad General Hospital (Doha): One of the largest and most prominent hospitals in Qatar. It offers specialized services in trauma care, general surgery, pediatrics, and emergency medicine, supported by state-of-the-art facilities and expert medical staff.
• Women’s Wellness and Research Center (Doha): This facility focuses on women's health, offering comprehensive care for maternity, gynecology, and reproductive medicine. It is renowned for its personalized approach to maternal care and advanced neonatal services.
• Al Wakra Hospital (Al Wakra): Located in Al Wakra city, this hospital provides a wide range of medical services, including emergency care, general surgery, pediatrics, and internal medicine. It is a vital healthcare resource for residents of southern Qatar.
• Rumailah Hospital (Doha): Specializing in rehabilitation and long-term care, Rumailah Hospital supports patients recovering from strokes, trauma, or other conditions requiring extended treatment. It also offers geriatric and psychiatric care.
• Heart Hospital (Doha): A dedicated cardiac facility under HMC, the Heart Hospital specializes in the prevention, diagnosis, and treatment of heart diseases. Its cutting-edge technology and experienced cardiologists ensure top-tier cardiovascular care.
• Sidra Medicine (Doha): Although primarily known as a private institution, Sidra Medicine operates in partnership with Qatar’s public healthcare system to provide world-class pediatric, obstetric, and gynecological services. It is also a leading center for medical research and innovation.

What is the Health Card for in Qatar?

The health card gives access to public hospitals and clinics run by the Hamad Medical Corporation (HMC). The HMC clinics and hospitals offer free vaccinations for children, smoking cessation programs, diet clinics, and support for families who have children with special needs.

Listed below are the universal benefits of having a health card in Qatar:

• HMC clinics and hospitals offer advanced medical equipment and highly qualified staff to those who present the health card.
• All citizens and residents have the right to equal access to health services regardless of residency or nationality when in possession of a health card.
• Health cardholders may receive prescriptions from government-run pharmacies at subsidized rates.
• Consultations or non-emergency treatments may cost somewhat extra but are reasonably subsidized for those who have a valid health card.

How Do I Apply for a Health Card in Qatar?

Simply put, the most recommended channel is to obtain a health card through any HMC clinic or primary health care center. Expats will need to complete a form and provide the following supplementary documents:

• Passport
• Residence visa
• Passport-sized photos

Private Healthcare in Qatar

Private healthcare in Qatar provides more treatment options, particularly for specialized procedures, as well as greater freedom in choosing who to be treated. Although public services are efficient and employ excellent medical staff, private hospitals excel in the area of faster treatments.

Listed below are some of the best private hospitals in Qatar:

• Al Emadi Hospital (Doha): A leading private general hospital established in 1998, offering high-quality medical care in multiple specialties. Known for being the first private hospital in Qatar to achieve "Platinum Level" accreditation from Accreditation Canada International.
• Aman Hospital (Doha): A luxury healthcare facility providing over 100 beds and services in 20+ specialties, combining international medical standards with luxurious patient accommodations.
• Aster Hospital (Doha): Part of the Aster DM Healthcare group, this 50-bed facility is known for offering a comfortable environment and a wide range of medical services with a patient-centric approach.
• Doha Clinic Hospital (Doha): A prominent private hospital providing a variety of services, including emergency care, surgical treatments, and laboratory services, with modern facilities and a focus on personalized care.
• Turkish Hospital (Doha): A private healthcare facility offering advanced medical treatments with Turkish medical expertise, known for its excellent patient care and hospitality.
• The View Hospital (Doha): Affiliated with Cedars-Sinai, this hospital provides premium clinical care in a luxurious setting, offering advanced medical technologies and patient-focused services.
• Sidra Medicine (Doha): A specialized hospital for women and children, offering cutting-edge treatments and research facilities. Affiliated with Weill Cornell Medicine-Qatar, it is recognized for its expertise in pediatric and maternity care.

Pharmacies and Medicines in Qatar

Qatar has many 24-hour pharmacies operating in Doha. Expats and their loved ones can also find pharmacies that are affiliated with most major hospitals. In terms of availability, most medicines can be brought over the counter or prescribed by doctors. 

For expats that are on certain medications, it is best to check before moving to Qatar on how easy it is to get the medication if stock runs out. It is worth noting that certain medications that are common in the West, such as many brands of antidepressants, are banned in Qatar. 

Health Insurance Options for Expats in Qatar

Healthcare in Qatar is a blend of high-quality public and private services. While Qatar’s public healthcare system is robust and subsidized, many expatriates prefer private health insurance for faster access and specialized treatments. 

Health insurance is not mandatory for all residents, but having comprehensive coverage is highly recommended for expats seeking seamless healthcare access.

Public Healthcare for Expats in Qatar

Qatar's public healthcare system, managed by the Hamad Medical Corporation (HMC), provides subsidized services to residents via the Qatar Health Card scheme. Listed below are some key considerations associated with public health insurance: 

• Eligibility: All legal residents of Qatar can apply for a Qatar Health Card to access subsidized medical care at HMC facilities.
• Cost: Services are highly affordable with a health card. For example, outpatient consultations cost just QAR 50.
• Coverage: Includes general consultations, emergency services, basic dental care, and maternity services at HMC facilities.
• Limitations: Long waiting times and limited flexibility in choosing healthcare providers may prompt some expats to consider private healthcare options.

Private Health Insurance for Expats in Qatar

Private health insurance is popular among expatriates, offering faster access to care, a broader selection of providers, and coverage for services not included in public healthcare. Listed below are some key considerations associated with private health insurance: 

• Comprehensive Coverage: Plans often include specialist consultations, advanced diagnostics, elective surgeries, dental and optical care, and maternity services.
• Access to Private Hospitals: Expats can seek treatment at top private hospitals like Al Emadi, Aman Hospital, and Doha Clinic Hospital.
• Shorter Wait Times: Avoid long waiting lists for consultations or treatments at public facilities.
• Flexibility: Choose your preferred doctor, hospital, or clinic without referrals or restrictions.
• International Coverage: Many insurers offer plans that include coverage for medical emergencies or treatments outside Qatar.

International Health Insurance Plans for Expats in Qatar

Expats in Qatar can choose from a variety of policies offered by top international insurance companies such as Cigna, AXA, Allianz, April International, and many more. Below, we will go over each service provider and give you a rundown of what each plan has to offer.

Cigna Global Insurance Plan

Cigna offers global health plans with different tiers (Silver, Gold, and Platinum) that cover services such as hospitalization, inpatient and day patient treatments, emergency evacuation, and preventive care. This flexibility makes Cigna a preferred option for those needing adaptable coverage.

Some examples of shared coverage by all Cigna insurance plans include:

AXA

AXA Global health insurance provides various levels of customizable coverage, including options for hospitalization, outpatient treatments, emergency care, and medical evacuation. AXA’s plans are popular among expats for their flexibility, with coverage for a wide range of health services across multiple levels. 

Some examples of shared coverage by all AXA insurance plans include:

Allianz

Allianz offers international insurance plans that can cover hospitalization, surgeries, diagnostics, and outpatient care. Expats in Qatar can add riders for dental and optical services to any basic plan, providing a tailored insurance experience that accommodates different health needs.

Some of the basic coverage for their plans includes:

April International

April International specializes in health insurance tailored to expats, offering plans that cover hospitalization, outpatient services, dental, and maternity. Known for user-friendly mobile claims and support, April International also has a 24/7 telemedicine service and a vast direct billing network.

Some of the shared coverage across their plans are:

Factors to Consider When Choosing Health Insurance in Qatar

Here are key factors to guide your decision when choosing health insurance in Qatar:

• Coverage Scope: Ensure the plan includes essential services such as inpatient and outpatient care, emergency services, and specialist consultations. Check for additional benefits like dental, vision, and maternity care.
• Pre-existing Conditions: Understand how pre-existing medical conditions are handled, including waiting periods, exclusions, or premium adjustments.
• Network of Healthcare Providers: Verify the insurer’s network to ensure your preferred hospitals, clinics, and specialists are included for greater accessibility.
• Cost and Premiums: Compare premiums, deductibles, co-pays, and out-of-pocket maximums to balance affordability with comprehensive coverage.
• International Coverage: For frequent travelers, ensure the plan includes medical treatment abroad, emergency evacuation, and repatriation services.
• Claims Process and Support Services: Look for insurers with efficient claims processes, direct billing options, and multilingual customer support for ease of use.
• Legal Requirements: Confirm that the plan complies with Qatar's health insurance laws, including mandatory coverage for visitors as required since February 2023.

Health and Safety Tips for Expats and Travellers in Qatar

For expats and travelers in Qatar, it’s important to understand the cultural practices and infrastructural systems in place to ensure a safe stay.

Here are some important health and safety tips for expats and travelers in Qatar to help make their stay secure and enjoyable:

• Emergency Contacts: Dial 999 for police, fire, or medical emergencies in Qatar.
• Healthcare Access: Qatar offers excellent healthcare; expats staying over 30 days must purchase health insurance from approved providers at 50 Qatari Riyals per month.
• Vaccinations: Ensure routine vaccinations are updated, including MMR, diphtheria, and polio, and consider hepatitis A, B, and rabies vaccinations as needed.
• Food and Water Safety: Tap water is safe to drink, but bottled water is widely available; practice good hygiene and avoid undercooked foods.
• Climate and Heat: Prepare for extreme heat, especially during summer, stay hydrated, use sun protection, and limit outdoor activities during peak heat hours.
• Sandstorms: Be cautious of sandstorms, especially for individuals with respiratory conditions, and stay indoors when warnings are issued.
• Road Safety: Roads are well-maintained, but drive cautiously, wear seatbelts, adhere to speed limits, and never drink and drive, as Qatar has zero tolerance.
• Public Transportation: Use regulated taxi services like Karwa and ride-hailing apps for safe travel, especially in unfamiliar areas.
• Local Laws and Customs: Dress modestly, avoid public displays of affection, and refrain from swearing or rude gestures to respect local laws.
• Alcohol Restrictions: Drinking alcohol in public is illegal; consume only in licensed venues and avoid public intoxication.
• Crime Prevention: While Qatar has a low crime rate, remain vigilant, secure your belongings, and be cautious of petty theft in crowded areas.
• LGBTQ+ Considerations: Same-sex relationships are illegal; LGBTQ+ travelers should exercise discretion and be aware of local regulations.
• Natural Hazards: Flash floods may occur during rare heavy rains; monitor weather updates and avoid driving through flooded areas.

Cultural Sensitivity: Always carry valid identification, respect local customs, and avoid actions or attire that may be considered offensive.

Frequently Asked Questions

Do expats need private health insurance in Qatar if they are enrolled in the public system?

While expats in Qatar can access public healthcare services by obtaining a health card, many choose to purchase private health insurance. Private insurance offers access to private healthcare facilities, shorter waiting times, and coverage for services that may not be included in the public system.

How do expats register for public health insurance in Qatar?

Expats can register for Qatar's public healthcare system by applying for a health card through the Hamad Medical Corporation (HMC). This involves visiting an HMC healthcare center and providing necessary documents such as proof of residency, identification, and a passport-sized photograph.

Are private health insurance plans in Qatar also valid outside the country?

Local private health insurance plans in Qatar do not provide coverage outside the country. Expats who travel frequently or require international coverage should consider international health insurance options, which can cover medical costs globally and may include benefits like medical evacuation.

Get a Quote

With extensive years of experience throughout the world, Pacific Prime can assist you with any health insurance needs in Qatar. Leveraging our close relationships with major international insurers, we offer professional advice and free plan comparisons to our clients. 

No matter what your budget is, our professional consultants can match you with a policy that best fits you or your group. Our policies can cover a wide range of services, including dental, maternity, specialist consultation, medical emergency transportation, inpatient services, and more. 

Expatriates with family members can also secure international cover for the whole family. For international students or travelers in search of international health insurance or travel insurance, Pacific Prime is the go-to insurance intermediary for the best impartial advice and guidance.

Contact us today for a free consultation or get a free quote!