5 Best Health Insurance Plans in UAE for 2022

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Health Insurance

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  • Investor

Most of the people must have fallen ill at some point of time in their life or during adulthood when their parents were not around in order to take care of them. During such difficult times, we have had to go to see a doctor for medical check-ups, purchase medicines, or do whatever is required to recover from that illness. Any person who has gone through such a situation would be well-aware of just how expensive medical care has become now these days. Even a minor bout of flu can set you back by hundreds of dirhams. If, in case, you have inflected a slightly more serious illness such as malaria or thyroid, a hefty chunk of your hard-earned money will be spent on getting multiple blood tests and all other types of medical tests for diagnosis. Following next are multiple pharmacy and doctor visits in order to ensure that you have completed recovered from that illness.

Considering the increasing costs of medical care, critical illnesses, and several other health-related problems, it has become indispensable to opt for apt medical insurance in the UAE.

Fortunately, health insurance is a flourishing industry in the UAE and there are multiple health insurance plans are available in order to meet different medical requirements at different premium costs. However, the multiple-choice of medical plans has given the rise to another big problem i.e. which health insurance plan or company should you choose? So, if you are also looking for the best health insurance plan for yourself and your family members, then this article is especially have written for you.

Top 5 Health Insurance Plans in UAE

Health Insurance Provider Plan Name  Annual benefit limit (AED) Price
AXA  Gold 500000
Oman  DHA EBP Plans 150000
Daman Smart Silver 300000
Metlife  Essential Benefits Plan (EBP) 150000
Watania  Silver 1000000

Here we have mentioned a list of some of the best health insurance plans in the UAE that you can consider without giving a second thought.

Best Health Insurance Plans in UAE

1. AXA Health Insurance

AXA is one of the largest global health insurance companies that boast a broad network of over 3000 hospitals. With a wide range of customized health insurance plans, the company offers comprehensive coverage for you as well as your loved ones.

Features & benefits of AXA Health Insurance Plans

Following are the key features and benefits of the health insurance plans offered by AXA:

  • 24/7 assistance from a team of multilingual customer service experts.
  • Fast online claim reimbursements
  • Hassle-free access to treatment as well as a direct settlement from more than 3000 providers across the UAE and 800,000+ provides worldwide.
  • Routine dental cover
  • 24/7 complimentary medical teleconsultations with certified doctors if in case you require medical advice before going for treatment.
  • Comprehensive covers include inpatient cover, outpatient cover, chronic and pre-existing conditions.
  • Coverage of cancer & related specialist patient support program.
  • Maternity cover
  • Global emergency medical assistance on various AXA health insurance plans
  • Personal accident cover

Best AXA Health Insurance Plans for 2022

Smart Health Plans Yearly Maximum (AED) Outside area of cover Price
Bronze 1,50,000 not covered
Silver 2,50,000 not covered
Gold 5,00,000 worldwide up to AED 50,000
See More Plans >>>

2. Oman Health Insurance

Oman Insurance Company or OIC is one of the leading health insurance providers across the Middle East and its headquarter is in Dubai. The company practices all customer-focused service via its quality insurance products, underwriting all kinds of risks in its health insurance plans. It offers a broad range of worldwide medical insurance plans for the individual as well as families in the UAE to meet its customer’s various needs. Under Oman health insurance plans, all-round health along with plenty of wellness services are included.

Features & Benefits of Oman Health Insurance Plans

Following are the key features and benefits of the health insurance plans offered by the Oman Insurance Company:

  • Comprehensive covers include inpatient cover, out-patient cover, chronic and pre-existing conditions.
  • Oman health insurance plans are affordable.
  • Medical transportation
  • Pharmacy services
  • Maternity services
  • Lab tests
  • Vaccinations
  • Newborn care
  • Emergency dental, vision, and hearing treatment

3. Daman Health Insurance

Daman was established in the year 2006 and it is among the leading medical insurance specialist across the UAE. Consistently voted as the number one health insurance provider, the company offers advanced health insurance plans in UAE to provide comprehensive coverage for you as well as your family members. Not only this, but Daman also holds a network of more than 2000 hospitals and clinics across the United Arab Emirates to provide its customers with better medical care that they deserve.

Features & benefits of Daman Health Insurance Plans

Following are the key features and benefits of the health insurance plans offered by Daman:

  • All the Daman health insurance plans offer comprehensive coverage.
  • It covers core benefits such as inpatient, outpatient, and other emergency services.
  • Daman ensures a satisfactory service 24x7 and 365 days a year.
  • All health insurance plans are available at affordable premiums.
  • Access to the largest network across the United Arab Emirates with more than 2000 hospitals, pharmacies, and clinics.
  • An option of worldwide coverage is also offered.
  • One of the Daman health insurance plans also includes international assistance as well as a second medical opinion service.

Best Daman Health Insurance Plans for 2022

Plan Name Annual benefit limit (AED) Healthcare providers Price
Smart Chrome 1,60,000 464
Smart Silver 3,00,000 1902
Smart Gold 25,00,000 1971
See More Plans >>>

4. Metlife Health Insurance

MetLife is one of the top names in the list of medical insurance providers across the UAE that offer advanced health insurance plans to provide comprehensive coverage to you and your loved ones. From regular doctor visits to several emergency services, from diagnostic tests to preventive medical care, MetLife health insurance plan provide you access to high-quality medical care at an affordable premium. Whether you are a self-employed individual or sponsored, you can opt for a MetLife medical plan approved by Dubai Health Authority (DHA) in order to attain the best healthcare services and facilities for you as well as your loved one's needs.

Features & Benefits of MetLife Health Insurance Plans

Following are the key features and benefits of the health insurance plans offered by MetLife:

  • Medical visits to a doctor across the UAE.
  • Diagnostic tests
  • Physiotherapy
  • Inpatient treatments across the UAE.
  • Hospitalization or emergency medical treatments
  • Maternity services
  • Prescription drugs
  • Preventive medical facilities (Dubai Health Authority mandatory immunizations and vaccines).

Best MetLife Health Insurance Plans for 2022

Plan Name Essential Benefits Plan (EBP)
Annual Benefit Limit AED 150,000
Network Type EBP Network
Co Participation Co-Pay 20% Max up to AED 500
Territory of Coverage UAE Only

5. Watania Health Insurance

Watania Health Insurance offers a range of comprehensive health insurance plans which are in compliance with Sharia regulations. The company was established in the year 2011 by 3 of the leading organizations in the UAE – Abu Dhabi National Energy Company, Al Dar Properties, and Abu Dhabi National Insurance Company – and is a national Takaful company. Thanks to the world-class services and the combined experience of the three establishers, Watania Health Insurance has gained immense popularity and goodwill in the world of insurance providers and continues to offer exciting health insurance coverage and benefits to its users.

Features and Benefits of Watania Health Insurance Plans

Following are some of the top benefits and features of health insurance plans that Watania Health Insurance offers:

  • Worldwide territorial coverage with reimbursement benefits for the policyholders.
  • Complete coverage for emergency costs, diagnostics tests, and lab tests
  • Post-surgical and medical procedures, rehabilitation, and therapies covered
  • Covers daycare treatments for the patients as per the plan chosen
  • Maternity and newborn baby coverage
  • Cost of private rooms and companion rooms covered
  • Physician consultations, pharmaceuticals, and ambulance services covered
  • Covers repatriation costs for the policyholders and other individuals under the coverage umbrella
  • The flexibility of customization of policy benefits under the coverage
  • Multiple optional coverage options such as dental covers

Best Watania Health Insurance Plans for 2022

Plan Name Medical Cover (AED) Applicable Network Price
Gold 10,00,000 GOLD
Silver Premium 10,00,000 SILVER PREMIUM
Silver 10,00,000 SILVER CLASSIC
See More Plans >>>

Final Words

So, these are some of the top medical insurance companies offering some of the best possible health insurance plans in UAE. In order to opt for the right one, you just need to go over your own medical requirements and then compare all of them to see which plans suit you the best in terms of its features, benefits, and premium cost. We hope you will certainly be able to choose an apt health insurance plan for you as well as your loved ones.