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Insurance first, then the clinic
Walk-in prices without a card hurt. Your employer policy has a network. 998 is ambulance.
Ask HR for the network list (Neurons, Nextcare, NAS, etc.) and whether it includes dentistry and maternity. Use in-network clinics. Pharmacies in malls handle the ordinary stuff.
Rashid Hospital, Dubai Hospital and the big private groups (Mediclinic, Aster, Saudi German, Cleveland in Abu Dhabi) cover different needs. Keep the insurance card in your wallet next to Emirates ID. 998 ambulance, 999 police.
Practical notes, not official law. Confirm on ICP, MOHRE, RTA, KHDA and your employer before you act.
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