Travel Insurance & Population in Dubai

[Manta Royal]

With growing number of travelers opting to travel to Dubai both for business purposes and holidays, there is increased need for travel insurance when planning a trip to Dubai. 

Travel insurance can cover several possible mishaps that may probably arise during travel. The visitors, in turn will feel assured that in case of any experiences such as terrorism, or need for medical attention, bankruptcy of a trip organizer, or emergency evacuation, there will be recourse.

There are several service providers both online and offline. The providers of travel insurance in Dubai also offer several policies that cater to a range of clients with varied requirements.

Among the types of policies generally offered by travel insurance providers in Dubai are:

• Health insurance during travel and stay with Dubai Excursions
• Accident insurance during travel and stay
• Insurance for lost luggage during travel and stay in Dubai
• Trip Interruption insurance
• Trip cancellation insurance

The trip interruption insurance policies cover the expenses for returning home early in case the trip is being interrupted midway, or will be continued following delay. Most such policies also cover medical evacuation expenses, including transportation by helicopter to nearest medical services incase of any injury during events like mountain climbing. But, pre-existing conditions may not be included in these policies. Therefore, care should be taken not to aggravate chronic issues. Certain policies even cover transportation of mortal remains in case of accidental death.

Meanwhile, the trip cancellation insurance covers all pre-payment non-refundable charges until the moment of starting the trip. The policies are quite helpful when facing severe family health issues and climatic and any unseen circumstances that prevent one from taking up the trip. There are also added provisions for cancellations due to terrorist actions, and some even cover events like loss of a job or jury duty.

There is also another aspect, known as Accidental death and dismemberment insurance (AD &D Insurance), which pays the visitor or their beneficiary a lump sum benefit, in case of an accident resulting in death or loss of a limb or loss of eyesight. The three types covered under this category are Flight Accident AD&D insurance that helps only for accidents involving airplane during the coverage period, Common Carrier AD&D insurance paying benefit only for accidents involving a common carrier (any licensed water, land or air conveyance operated by those occupied in business of transportation of people without discriminate and for hire such as train, bus, airplane etc.,) during the said period, and 24 hours AD&D which benefit for accidents that occur for any reason during the coverage period.

Usually AD&D is often included with Travel Medical Insurance and Trip Protection Plans, but is sometimes sold separately, unlike baggage insurance and trip cancellation insurance.

Therefore, before booking a vacation to Dubai, do not hesitate to search for best quotes for travel insurance. In Dubai, there is the option of choosing between a single trip insurance cover or go in for an annual cover, depending on frequency of travel. Even hazardous sporting activities may be covered under your travel insurance plan, but, it is important to understand the terms and conditions of insurance plan. Travel insurance offers a comprehensive package to help travelers enjoy their trips in peaceful relaxation.

The UAE population was estimated to be 8.19mn in 2010, out of which, only less than 20percent constitute UAE nationals or Emiratis. The rest of the population, are expatriates. The net migration rate of the country is 22.98, the highest in the world.

Among the expatriate population in the UAE, 23% are non-emirati Arabs and Persians, while more than 50% are from South Asia. Nearly 1.75mn are Indian nationals residing in the UAE, which makes them the single largest expatriate community in the country. The other major groups includePakistanis (1.25mn) and Bangladeshis (600,000). The rest one million of the population are from other parts of Asia including Iran, Philippines, and Sri Lanka. The others are from other Arab States.

There are also sizeable population from Egypt, Sudan and Somalia, who migrated to the UAE before its formation. The UAE also drew several expatriates from developed nations such as North America, Europe, Asia and Oceania. There are also more than 100,000 British nationals in the UAE.
The UAE population constitutes more males than females, with the male population more than double that of females.

Dubai is the most populated city in the UAE, with a population of about 1.87mn. The population in Dubai grew nearly 7 percent during the first nine months of 2010, touching 1.87mn, said latest report by a local daily. However, the active population during the day is nearly 2.9mn, as several businessmen and workers stay in Dubai during the day coming from other cities.

The religion of majority of the population is Islam, although Christianity and Hinduism also exist. Arabic is the official language of UAE, although other languages such as Hindi, English, and Farsi are also spoken.