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Sunday, 17 May 2026 | Opinion & Commentary

 
 

Ms. Mai Farid, Chief Executive Officer, Universal Health Insurance Authority

Commentary:

Egypt’s universal health insurance system: Sustainable management and health protection for the vulnerable

By Mai Farid, Chief Executive Officer, Universal Health Insurance Authority (UHIA), Egypt



 

In recent years, the Egyptian healthcare sector has witnessed an unprecedented strategic transformation with the rollout of the Universal Health Insurance System (UHIS)—one of the most significant health and social projects—which targets a comprehensive insurance umbrella, ensuring equitable access to high-quality health services for all citizens, particularly vulnerable groups, underscoring the state’s commitment to social justice and, as a result, guaranteeing one of the essential rights of citizens: the right to healthcare.

Notably, the Universal Health Insurance Authority (UHIA) is tasked with managing and funding the UHIS, developing the financial and regulatory frameworks, and orchestrating contractual relationships among diverse healthcare providers. The system separates funding from service provision, ensuring effective oversight of health services delivered, optimizing available resources, and enhancing citizen trust in the efficiency and equity of the UHIS.

Since the actual UHIS rollout, the UHIA has been steadfast in expanding the health provider network by contracting with both public and private hospitals, health centers, and clinics under clearly established quality standards, recognizing the paramount importance of integration across components of the health sector. In parallel, the private sector plays an instrumental role in increasing capacity, improving service delivery, and offering beneficiaries a variety of adequate healthcare options, with all service providers complying with the same quality and regulatory standards.

One of the key pillars of the system is exempting vulnerable people—the state budget covers 100% of their premiums and co-payments—ensuring that no one is left behind, irrespective of socio-economic status. Eligibility is determined by precise controls and standards, informed by official databases and the Prime Minister’s decrees, along with case reviews conducted by specialized committees to guarantee that only eligible groups are exempted, thus promoting social solidarity and bridging gaps in service delivery across various segments.

The efforts to implement the UHIS have been evident in the first-phase governorates—Port Said, Luxor, Ismailia, Suez, South Sinai, and Aswan—with around 5.2 million enrolled beneficiaries and an 82% enrolment rate. Furthermore, medical claims reimbursed to service providers reached approximately EGP 15.867 billion, which reflects the considerable volume of the services delivered and financial sustainability, thereby ensuring system stability and operational efficiency.

UHIA has also contracted with 526 service providers, 32% of which are private facilities, highlighting the expansion of the provider network and the integration of the public and private sectors in comprehensive healthcare provision. This has consequently bolstered accessibility to health services, reduced waiting times, and promoted competitiveness among providers, ultimately boosting the quality of healthcare delivered to citizens.

Beyond its financial and regulatory mandates, the UHIA has implemented comprehensive awareness campaigns to inform citizens of the UHIS objectives, benefits, enrolment mechanisms, and service utilization in conjunction with different executive stakeholders and civil society organizations through seminars, community meetings, and media campaigns in the UHIS governorates. These activities have contributed to rectifying some misconceptions, raising awareness of citizens about their insurance entitlements, and encouraging them to enroll in the system and leverage the available services.

As the UHIA expands coverage, the rollout of the UHIS across the second-phase populous governorates—Minya, Marsa Matrouh, Kafr El Sheikh and Alexandria—is underway, following a phased plan that ensures health infrastructure readiness and the availability of necessary resources to guarantee a successful UHIS implementation and achieve the envisaged strategic objectives.

Moreover, the UHIS has driven a concrete change in the lives of citizens, securing financial protection for households from out-of-pocket health expenditure, enabling advanced diagnostic and curative services without incurring exorbitant costs. The system has also optimized resource allocation nationwide and promoted long-term health planning, in turn, contributing to a more sustainable healthcare system capable of facing future challenges.

Against the backdrop of these achievements, the UHIS has emerged as a national benchmark for comprehensive health reform, seamlessly integrating universal health coverage, prudent resource management, and a steadfast commitment to social justice. The state is making significant, measurable progress by systematically expanding the system to include all governorates, aligning with the objectives of Egypt Vision 2030. This strategic approach aims to modernize the health system, ensuring the provision of high-quality services, improved living standards, and sustainable development for every Egyptian citizen.
                                                     
                                               

                                                     

About the author:

Mai Farid serves as the Chief Executive Officer of the Universal Health Insurance Authority (UHIA), leading the implementation and expansion of Egypt’s Universal Health Insurance System (UHIS). She also manages the UHIS Project Management Unit, at the Ministry of Finance, coordinating national health financing reforms and partnerships with development partners such as the World Bank, AFD, JICA, WHO, and the European Union.   

 


The views and opinions expressed in this article are those of the author and do not necessarily reflect the editorial policy or position of ArabMedicare.com.


 

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