Top 5 Health Insurance Plans in UAE for 2022

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Health issues aren’t entirely under our control, however there are certain precautionary steps that can help you deal with them more efficiently. Health insurance is one of them. It takes care of your finances to make sure you can fully focus on treatment and recovery. This article is dedicated to covering the top 5 health insurance plans in UAE for 2022 to help you to choose nothing but the best for you and your loved ones.

Top 5 Health Insurance Plans in UAE - Overview

Insurance Provider Health Insurance Plan Annual Sum Limit
Adamjee Insurance  Silk Road – Plan C AED 1,000,000
DNIRC Silk Road – Plan C AED 1,000,000
Orient Insurance Silk Road – Family Care Plan B AED 1,000,000
Takaful Emarat Silver AED 1,000,000
Orient UNB Takaful Plan 5 AED 1,000,000

Best 5 Health Insurance Plans in the UAE

Let's take a look at the best insurance options available in the UAE and the type of coverage and benefit each one entails.

Adamjee Insurance 

Listed on Pakistan Stock Exchange, Adamjee Health Insurance Company has become one of the most trusted health insurance providers in the UAE. Adamjee Insurance Company was established as a PSC in 1960 in Pakistan. Since then, the company has secured several acquisitions and has emerged to be one of the leading insurance providers in its country of inception. Broadening its operations over time, Adamjee Insurance Company entered other markets like the UAE and quickly became one of the top health insurance providers. Given below is one of the best health insurance plan offered by Adamjee Insurance Company in the UAE.

Adamjee Silk Road – Plan C

Annual Sum Limit: AED 1,000,000

Pharmacy Cover Sub-Limit: Up to Sum Assured of the Plan

Coverage Scope: Worldwide

Key Features of the Plan:

  • This plans offers worldwide coverage and includes both in-patient and out-patient services for the insured. In-patient services are covered without any co-payment. 
  • Covered in-patient services include private hospital rooms, ambulance services for emergencies, and companion accommodation when hospitalised. 
  • Companion accommodation for a patient younger than 16 years of age is covered in full. Accommodation for companions with older patients is covered with AED 100 per night limit.
  • All pre-declared pre-existing diseases are covered in full up to a sub-limit of AED 150,000. 
  • Services like lab tests, radiology tests, and physiotherapy sessions are covered on a 20% co-payment basis. 
  • Prescription medication is covered in full up to the plan limit with a 20% co-payment. 
  • All essential vaccinations are also covered. 
  • Maternity cover of this health insurance plan can be utilised after a waiting period of 40 days. 
  • Out-patient and in-patient services of maternity cover are covered with a 10% co-payment. Normal deliveries, C-sections, terminations and other complications are also covered. 
  • The newborn cover is available for 30 days after the birth of a child. 

Top Health Insurance Plans from Adamjee Insurance

Adamjee Health Insurance Plans   Annual Sum Limit Coverage Area Price
Silk Road – Plan B AED 1,000,000 Worldwide coverage
Silk Road – Plan A AED 1,000,000 Worldwide coverage
Emerald – Plan C AED 1,000,000 Worldwide coverage
Emerald – Plan B AED 1,000,000 Worldwide coverage
Emerald – Plan A AED 1,000,000 Worldwide coverage
See More Plans >>>

DNIRC – Dubai National Insurance and Re-Insurance P.S.C.

Easily one of the most popular health insurance providers in Dubai and the rest of the UAE, DNIRC began its operation in 1991. It was one of the very first companies to have been listed in DFM, Dubai Financial Market. Following a rather strict underwriting approach for its insurance products, DNIRC health insurance has managed to achieve steady growth over time while providing insurance plans fitting the needs of all. Apart from being a highly-regarded medical insurance provider, DNIRC also deals in motor, marine, general accident, life, personal; accident, home, travel, engineering, liability and property insurance.  

DNIRC Silk Road – Plan C 

Annual Sum Limit: AED 1,000,000

Pharmacy Cover Sub-Limit: Up to Sum Assured of the Plan

Coverage Scope: Worldwide

Key Features of the Plan:

  • This health insurance plan covers pre-existing conditions after a 6-month long waiting period. 
  • The plan provides worldwide coverage for all UAE resident visa holders. 
  • In-patients services covered in this plan include hospitalisation, room rent for private hospital rooms, ambulance services and companion accommodation. Co-payment does not apply to in-patient services. 
  • Companion accommodation is covered in full for companions staying with patients younger than 16 years of age. Companions staying with patients older than 16 years of age get a maximum of AED 100 per night allowance to cover the stay. 
  • Out-patient services at network hospitals are covered with a 20% co-payment. The co-payment is limited to AED 50 per consultation. 
  • Services like dental, hearing, vision and gum treatment are covered with a 20% co-payment. 
  • Maternity cover of this health insurance plan begins after a waiting period of 40 days. Both in-patient and out-patient services are covered with a 10% co-payment applicable. Normal deliveries, C-sections, complications and terminations are covered in the maternity cover. 
  • Newborn cover of this plan is 30-day long. All essential vaccinations and preventive treatments are also covered. 

Top Health Insurance Plans from DNIRC

DNIRC Health Insurance Plans Annual Sum Limit Coverage Area Price
Silk Road – Plan B AED 1,000,000 Worldwide coverage 
Silk Road – Plan A AED 1,000,000 Worldwide coverage 
Emerald – Plan C AED 1,000,000 Worldwide coverage
Emerald – Plan B AED 1,000,000 Worldwide coverage
Emerald – Plan A  AED 1,000,000 Worldwide coverage 
See More Plans >>>

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Orient Insurance

Orient Insurance Company is a public joint shareholder which was founded as a part of the Al-Futtaim Group in the year 1982. Orient Health Insurance has become one of many highly-trusted regional insurance providers in the UAE offering insurance plans for several different areas. As far as the growth of the company is concerned, Orient Insurance scored the highest net profit growth in the UAE in both 2010 and 2011. Even after that, the company has been on a steady path of sustainable growth. Below are the details of the top health insurance plan that Orient Insurance provides. 

Orient Insurance Silk Road – Family Care Plan B

Annual Sum Limit: AED 1,000,000

Pharmacy Cover Sub-Limit: Up to Sum Assured of the Plan

Coverage Scope: Worldwide

Key Features of the Plan:

  • This health insurance plan covers both in-patient and out-patient services for the insured. The covered-in-patient services include hospitalisation, private hospital room rent, ambulance services and companion accommodation. 
  • Companion accommodation for a family member staying with a patient younger than 16 years is covered with a maximum allowance of AED 100 per night. Accommodation can be covered for companions with older patients as well if required by the doctor in an emergency. 
  • All declared pre-existing conditions are covered without any waiting period. The maximum sub-limit for pre-existing disease cover is AED 150,000. 
  • Radiology tests, laboratory tests and physiotherapy sessions are also covered on a 20% co-payment basis. 
  • All prescription drugs are covered with up to 20% co-payment. No sub-limit applies. 
  • Maternity cover of the plan is available after a waiting period of 40 days. Out-patient and in-patient treatments and services are covered with a 10% co-payment. 
  • The 30-day long mandatory newborn cover is also included. 
  • Vision, dental, hearing and gum treatment is covered with a 20% co-payment. 

Top Health Insurance Plans from Orient Insurance

Orient Insurance Health Insurance Plans Annual Sum Limit Coverage Area Price
Silk Road – Family Care Plan A AED 1,000,000 Worldwide coverage 
Green – Family Care Plan B AED 1,000,000 Worldwide coverage 
Green – Family Care Plan A  AED 1,000,000 Worldwide coverage
Silver Classic – Family Care Plan B AED 1,000,000 Worldwide coverage
Silver Classic – Family Care Plan A AED 1,000,000 Worldwide coverage 
See More Plans >>>

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Takaful Emarat

A completely sharia-compliant insurance provider, Takaful Emarat was established in the year 2008. The company deals with both individual and corporate general and life insurance products, offering high-quality comprehensive insurance plans. All health insurance plans offered by Takaful Emarat are ideally sharia-compliant, perfect for folks who would like an alternative to conventional insurance products. In addition to insurance products, Takaful Emarat Health Insurance also offers investment and savings plans to its customers. Let’s cover a few important features of the top health insurance plan offered by Takaful Emarat in the UAE.

Takaful Emarat Silver

Annual Sum Limit: AED 1,000,000

Pharmacy Cover Sub-Limit: AED 5,000

Coverage Scope: Worldwide

Key Features of the Plan:

  • Coverage for all the in-patient services with nil co-payment. Ground transportation via ambulance is also covered when booked from an authorised provider in emergencies. 
  • Semi-private hospital rooms are covered by this plan for patient accommodation. 
  • Companion cover of AED 100 per day is allotted for a family member staying at the hospital with patients under 16 years of age. The same is allowed for companions with older patients if staying is recommended by the treating doctors. 
  • Pre-existing diseases are covered after a waiting period of 6 months. 
  • Laboratory tests and radiology tests are covered by the plan without a co-payment clause. 
  • Physiotherapy sessions are covered with a 20% co-payment. A maximum of 6 sessions are allowed per year. 
  • Prescription medication cover of AED 5,000 is allotted to this plan. 15% co-payment is applicable. 
  • Out-patient diagnostic tests and services are covered with 10% co-payment. Out-patient specialist consultations are covered with 20% co-payment and general physician consultations are covered with 10% co-payment. 
  • Dental and gum treatment is covered with 20% co-payment. 
  • Maternity cover of the plan is available after a 40-day long waiting period. In-patient and out-patient maternity services are covered with a 10% co-payment. 

Top Health Insurance Plans from Takaful Emarat

Takaful Emarat Health Insurance Plans Annual Sum Limit Coverage Area Price
Iridium AED 1,000,000 Worldwide coverage 
Gold AED 1,000,000 Worldwide coverage 
Platinum AED 1,000,000 Worldwide coverage
Rhodium AED 1,000,000 Worldwide coverage
Marjan AED 1,000,000 Worldwide coverage 
See More Plans >>>

Orient UNB Takaful

Promoted by both Orient Insurance and Al-Futtaim Group. Orient UNB Takaful is a joint public shareholder company in the UAE. It was established in the year 2016. The company was established by Orient Insurance Company and the Union National Bank together. It works as a subsidiary of the Orient Insurance Company. All insurance products and services offered by Orient UNB Takaful are sharia-compliant offering an alternative to the conventional insurance products that Orient Insurance Company offers. Apart from health insurance uae, Orient UNB Takaful also deals with property, general accident, motor, engineering, and marine insurance. Here us a list of the best health insurance plans that Orient UNB Takaful offers. 

Orient UNB Takaful Plan 5 

Annual Sum Limit: AED 1,000,000

Pharmacy Cover Sub-Limit: AED 5,000

Coverage Scope: Worldwide

Key Features of the Plan:

  • Covers both in-patient and out-patient services and treatments. In-patient services cover hospital treatments, room rent charges and ambulance services. 
  • Companion accommodation for patients younger than 18 years of age is also covered. A maximum of AED 150 per night is available for a companion accommodation allowance. 
  • Out-patient services are covered with 10% co-payment. Specialist consultations are covered with 20% co-payment and general physician consultations are covered with 15% co-payment. 
  • Pre-existing diseases are covered after a short waiting period of 6 months.
  • Other covered services include laboratory tests, with 10% co-payment, up to 10 sessions of physiotherapy, and in-patient and out-patient psychiatric treatment. 
  • Prescription drugs are covered with AED 5,000 sub-limit. 15% co-payment applies. 
  • Dental, gum, vision and hearing treatments are covered with 20% co-payment. 
  • Maternity coverage of the plan begins after a waiting period of 40 days. In-patient and out-patient services are covered.
  • Normal deliveries, C-sections, complications and terminations are covered under the maternity cover of the plan.

Top Health Insurance Plans from Orient UNB Takaful 

Orient UNB Takaful Health Insurance Plans Annual Sum Limit Coverage Area Price
Plan 4 AED 1,000,000 Worldwide coverage 
Plan 3 AED 1,000,000 Worldwide coverage 
Plan 2 AED 1,000,000 Worldwide coverage
Plan 1 AED 1,000,000 Worldwide coverage
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 In a Nutshell

With this information, you will have a clear understanding of what some of the most comprehensive and best health insurance plans in UAE can offer. Before you finalise your choice, make sure that you sit back and make a list of all your requirements. After that, compare and choose the plan that suits your needs the best. You can also connect with our finance and insurance experts at Policybazaar.ae and get any kind of assistance you require with your selection and buying procedure.