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Best Health Insurance Companies in Dubai

By PolicyBazaar
  | Published: 02 August 2020 | Last Updated On: 09 June 2021

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Top Medical Insurance Companies in UAE
1 Union Insurance Company
2 Noor Takaful
3 Orient Insurance Company
4 ADNIC Health Insurance

A lot of people must have suffered from some kind of illness at some point in their life or in their adulthood when their parents weren’t around for taking care of them. While going through such tough times, they would have had to go to the doctor for their medical tests, buy medicines, and do all the other things needed for recovering from that disease.

Any individual who has been under such a situation would be aware of how costly healthcare has become nowadays. Even the minor flu can cause you a hundred dirhams. In case one gets affected by a little more serious disease like thyroid or malaria, a lot of your hard-earned funds get spent on getting endless tests for the diagnosis. Apart from this, there are multiple doctor and pharmacy visits for making sure that the patient recovers completely from the illness.

Keeping the rising costs of healthcare in mind- including critical illness and many other problems related to health, it has become essential to go for an appropriate health insurance policy these days, not only for securing your savings but also for enjoying quality healthcare at those times when you need it the most.

Thankfully, health insurance UAE is a growing industry and there are many health plans available for meeting various medical needs at different costs of premium. However, the multiple options of medical policies have introduced another problem- which medical insurance plan or insurance provider should you select? Therefore, if you are searching for the best medical insurance policy for yourself as well as your family members, then this article will help you.

In this article, we have created a list of the best health plans from the best insurance companies in the UAE, which can be considered without giving much thought. 

Top Health Insurance Companies in UAE

Here is a rundown of the best health insurance companies in dubai

1. Union Insurance Company

Best Union Health Insurance Plans in the UAE:

Plan Name Annual Limit (AED) Network Price
Essential Benefits Plan 1,50,000 NextCare PCP -C Network
Sanad Plan 1,50,000 NextCare TPA -PCP & RN3 Network
See More Plans >>

This insurance company is famous for providing a comprehensive range of retail and commercial insurance products to its customers in the UAE and the Middle East area. Union offers health insurance UAE, including an array of policies for protecting the health of an individual or a group. The customer care team of this insurance provider is available to the customers round the clock for assistance. The following are the types of Union health insurance UAE.

For Individuals

SANAD

This is a unique health plan for those dependents who have a Dubai visa. It is amongst the pre-underwritten health insurance schemes, which do not need any declaration further from their medical history members. SANAD includes competitive rates and helps an individual in dealing with the need for minimum health insurance UAE according to the DHA or Dubai Health Authority. All you need to do is submit the documents required and the insurance plan will get activated with the help of your Emirates ID.

EBP or Essential Benefits Plan

Union insurance company offers an EBP policy for employees or housemaids having the Dubai visa and are earning a total salary worth AED 4,000 or lower monthly. This plan allows the individuals earning a low salary to get the basic facilities and services for health care in Dubai with the economic value of AED 525 (VAT not included). 

For Corporate

Corporate Plans

In large companies, benefits are always more appreciated than salaries and a health insurance plan is amongst those advantages, which every employee appreciates. Hence, Union Insurance Company uses innovative approaches for providing comprehensive and customized health insurance cover to the employees at low prices. The technical team at Union provides an entire gap analysis to develop a medical insurance plan that will include additional benefits as well as essentials for providing wider coverage to the employees.

Small and Medium Companies

If you own a small or medium-sized company with a fewer number of employees, the health problem with even a single employee affects the functioning of the company directly. For avoiding these situations, the Union offers this type of health plan. It is beneficial for organizations with the number of employees as low as 50.

EBP or Essential Benefits Plan

Union insurance company offers an EBP policy for employees or housemaids having the Dubai visa and are earning a total salary worth AED 4,000 or lower monthly. This plan allows employers to offer the basic facilities and services for health care for the employees with the economic value of AED 572. 

2. Noor Takaful

Best Noor Takaful Health Insurance Plans in the UAE:

Plan Name Medical Cover (AED) Pharmacy Limit Price
Dependent 1,50,000 Up to AED 1,500
Dependent Enhanced 1 1,50,000 Up to AED 1,500
See More Plans >>

It is amongst the top companies in the Takaful sector within the Middle East region. With their expertise in health insurance, Noor Takaful offers comprehensive and customized health care policies. It offers basic to enhanced medical insurance solutions, which provide cover for the health care requirements of the policyholders and their families as well as domestic workers. 

Amongst all medical insurance companies in UAE, Noor Takaful is known for its best quality features that are built via modern and flexible channels which makes it one of the most popular takaful providers. Here’s a quick rundown on the types offered by Noor takaful.

Individual and Dependent Plan 1 

The maximum coverage available under this plan is AED 150000. The plan comes with inpatient outpatient and maternity coverage, but dental procedures are not covered. An important point to be kept in consideration here is that there is a 20% co-payment for some inpatient treatments and procedures. Chronic conditions are also covered under the plan which includes pre-existing conditions as well.

EBP Basic Plan

The Noor Takaful EBP basic plan is one of the best medical insurance in UAE and offers global coverage with coverage of AED 150000. Pre-existing illnesses are not covered under this plan but chronic conditions are covered with a waiting period of 6 months. The plan comes with both inpatient and outpatient coverage along with maternity coverage. Dental procedures and treatments are not covered under this plan.

Aafiya 

The Aafiya health coverage from Noor Takaful comes with annual coverage of AED 75000 along with global coverage. There is a 20% co-payment for treatments and procedures up to a maximum of AED  1000. Pre-existing illnesses are not covered but in case of chronic conditions are covered for up to AED 7500 with a waiting period of AED 12 months.

3. Orient Insurance Company

Best Orient Health Insurance Plans in the UAE:

Plan Name Medical Cover (AED) Pharmacy Limit Price
I-Med 1,50,000 Upto AED 1,500
Silk Road - Family Care Plan A 10,00,000 Upto Medical Cover
See More Plans >>

Orient health insurance UAE includes the largest and a qualified insurance team throughout the entire region and it provides a wide range of health policies for covering an individual from many critical illnesses. The medical insurance plans offered by this insurance company provide global coverage along with flexible options for the payment of the premium. The following are the types of Orient health insurance UAE.

Orient Care Plus

This plan offered by Orient provides liquidity for meeting the financial needs at the time of a medical crisis. It covers around 37 critical illnesses by instantly paying out the amount after the critical illness is diagnosed. This insurance company offers the Orient Care Plus plan for five and ten years only. The minimum sum assured is AED 100,000 and the maximum sum assured is AED 1,000,000.

WomanCare Plan

Orient offers this plan for providing medical insurance cover to a woman. Basically, it is a female cancer policy, which includes the objective of covering women from seven kinds of critical illnesses that are specific to women. You can obtain this plan with minimum documentation and an easy application. The minimum sum assured is AED 50,000 and the maximum sum assured is AED 250,000.

Family and Individual Health Insurance UAE

Health insurance is an essential need for each individual because all of us deserve better and optimum health benefits at the time when you need it the most. Considering this, Orient Insurance Company offers family and individual health care, which meets the financial and medical needs and expectations for everyone.

Essential Benefits Plans or EBP

Orient offers an EBP policy for employees, dependents, or housemaids, generally having the Dubai visa and is earning a total salary worth AED 4,000 or lower monthly. This plan allows individuals to enjoy the basic facilities and services for health care at an economic value. It also includes Northern Emirates visa holders and investors. Under this category, the plans are divided depending upon the individual. It includes plans such as EMed, DMed, IMed, NEMed, and family care plan. 

4. ADNIC Health Insurance

Best ADNIC Health Insurance Plans in the UAE:

Plan Name Medical Cover (AED) Pharmacy Limit Price
Bronze 2,50,000 NA
Silver 5,00,000 5,000
See More Plans >>

Abu Dhabi national health insurance company commonly known as ADNIC insurance is one of the major health insurance companies in the UAE. The company is headquartered in Abu Dhabi and operates all across the UAE. The company was found in 1972 offering a variety of insurance products and services.

ADNIC health insurance plans are divided into 4 categories, are as follows-

Platinum 

If you or any of your family members is suffering from a chronic medical condition that requires regular treatment and medications, you can go ahead with this plan.

Gold 

If your family members need medical attention or are prescribed expensive medications the gold plan should be the right plan for you.

Silver

If you want a blanket of protection for you and your loved ones that are healthy and require medical assistance once or twice a year the silver is the best medical insurance in UAE for you.

Bronze 

For healthy people looking forward to protecting themselves against strokes of uncertainties, the bronze plan is the ideal choice for you.

To Sum Up!

These are some of the leading companies that offer the best health insurance UAE. For opting for a suitable plan, you need to go through your own medical needs and compare different plans to check, which one is the most ideal for you in terms of benefits, features, premiums, coverage, etc. We hope that this list will help you in choosing an apt health insurance plan for yourself and your family.