Senior Citizen Health Insurance

The chance of a hospitalisation increase by manifold once you’re past 60 and the exorbitant expenses that follow can easily swipe off a good chunk of your savings. To curb this issue, health insurance providers in the UAE offer some amazing insurance plans to ensure that you do not suffer monetary burden on top of already existing physical ailments.  

This write-up is a compilation of the best health insurance plans for senior citizens, their features, inclusions, exclusions, and more. With this one, you also get better insights into how to file a senior citizen health insurance claim and apply for policy renewal. 

Top Senior Citizen Health Insurance Plans in the UAE

The following are the best health insurance plans for senior citizens in the UAE -

List of Cheapest Health Insurance For Parents in Dubai, UAE

Adamjee – Silk Road – Plan A

Key Features

1. Geographical Scope – Worldwide Coverage
2. Coverage Criteria for Pre-Existing Chronic Conditions –
   • The condition should be declared in the application form and is subject to coverage based on its inclusion in underwriting
   • Declared conditions covered – up to AED 150,000
3. Dental and Gum Treatment –
   • 20% co-payment (up to AED 3,500)
4. Inpatient Benefits –
   • Private room upon hospitalisation
   • ICU and treatment for coronary artery disease
   • Therapies like radiation therapy, chemotherapy, physiotherapy, and so forth
   • Organ transplantation services excluding any charges related to the donor
   • Use of hospital’s medical equipment
   • Ambulance service
   • Cost of accommodation for the attendee – up to AED 100 per night
   • Repatriation of mortal remains to the native country – up to AED 7,500
   • Charges associated with consultants, surgeons, and anaesthetists
5. Outpatient Benefits (subject to 20% co-payment) –
   • Physician Consultation – up to AED 50 per consultation
   • Diagnostics and laboratory tests
   • Physiotherapy – up to 15 sessions per member annually
6. Other Benefits
   • Day Care Treatment
   • Emergency Mental Health Treatments
   • Work-related Injuries
   • Outpatient Surgery
7. Network Type – Mednet – Silk Road

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Takaful Emarat – Silver

Key Features

1. Geographical Scope of Coverage – Worldwide
2. Medical Network – NEXTCARE RN3
3. Inpatient Benefits –
   • Room Types – Semi-Private Room
   • Attendee Accommodation Charges – AED 150 per day
   • Ambulance Service
4. Pre-Existing and Chronic Medical Conditions –
   • Waiting Period of 6 months
   • Covered up to AED 150,000 per member per year
   • No waiting period if the proof of continuing the coverage is provided
   • Covers only declared pre-existing medical conditions
5. Outpatient Services –
   • 10% co-payment on diagnostics like X-rays, CT Scan, Endoscopy, Ultrasound, MRI, and more)
   • 20% co-payment on specialists’ consultation of up to AED 25 and 10% co-payment of up to AED 10 for general practitioners’ consultation
6. Other Benefits –
   • Laboratory Tests
   • Radiology Diagnostics
   • Physiotherapy Treatment (subjected to 20% co-payment) – prior approval required from the insurance provider – up to 6 sessions per year
   • Emergency treatment – requires approval from the insurance provider within 24 hours of admission to the network hospital
   • Essential vaccinations and preventive services
   • Dental and Gum Treatment (subjected to 20% co-payment)

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Takaful Emarat – Iridium

Key Features

1. Geographical Scope of Coverage – Worldwide
2. Medical Network – NEXTCARE RN2
3. Inpatient Benefits –
   • Room Type – Private Room
   • Attendee Accommodation Charges – AED 250 per day
   • Ambulance Service
4. Home Nursing post inpatient treatment – up to AED 5,000 per person per year
5. Pre-Existing and Chronic Conditions –
   • Covered up to AED 150,0000
   • Subjected to a waiting period of 6 months for first-time policyholders
   • No waiting period if the proof of continuing the coverage is provided
   • Covers only declared pre-existing medical conditions
6. Outpatient Services –
   • 10% co-payment on diagnostics like X-ray, CT Scan, Endoscopy, Ultrasound, MRI, and more)
   • 20% co-payment on specialists’ consultation of up to AED 60 and 10% co-payment of up to AED 25 for general practitioners’ consultation
7. Other Benefits –
   • Laboratory Tests
   • Radiology Diagnostics
   • Physiotherapy Treatment (subjected to 20% co-payment) if prior approval is sought from the insurance provider – up to 10 sessions per year
   • Emergency treatment – requires approval from the insurance provider within 24 hours of admission to the network hospital
   • Essential vaccinations and preventive services
   • Dental and Gum Treatment (subjected to 20% co-payment)
   • Psychiatric Treatment (per annum) –
     • Outpatient – AED 1,500 per person
     • Inpatient – AED 6,000 per person

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Orient Takaful – Plan 2

Key Features

1. Geographical Scope of Coverage – Worldwide
2. Medical network – NEXTCARE GN
3. Inpatient Benefits –
   • Room Type – Private Room
   • Attendee Accommodation Charges – AED 400 per day
   • Emergency Ambulance Service
   • Organ Transplant costs excluding costs associated with the donor. Organs covered – heart, kidney, liver, autologous and allogeneic bone marrow, lung, and pancreas
   • Psychiatric treatment of up to AED 10,000 per person per year
4. Outpatient Benefits -
   • 20% co-payment on specialists’ consultation of up to AED 75 and 10% co-payment of up to AED 35 for general practitioners’ consultation
   • Dental and gum treatment (emergency cases only) – subjected to 20% co-insurance
   • Hearing and vision aids (emergency cases only) – subjected to 20% co-insurance
   • Psychiatric Treatment – up to AED 3,000 per person per annum
5. Pre-existing and Chronic Medical Conditions -
   • Covered up to AED 150,000
   • Subjected to a waiting period of 6 months for first-time policyholders
   • No waiting period provided that proof of continuing the coverage is provided
   • Covers only declared pre-existing medical conditions
6. Other Benefits -
   • Diagnostics (X-ray, MRI, Endoscopy, CT Scan, ultrasound, and more) – subjected to 10% co-payment
   • Home nursing following in-patient treatment – up to AED 7,500 per person per annum
   • Cancer Treatment
   • HCV Screening, Investigation, Healthcare Service, and Treatment
   • Physiotherapy (subjected to pre-approval) – up to 20 sessions per member per annum
   • Repatriation of Mortal Remains to the native country – up to AED 15,000 per person per annum (settlement done as reimbursement)
   • Alternative Medicines and Therapies (chiropractic, osteopathy, Ayurveda, and homeopathy) – up to AED 2,000 per person per year

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Orient Takaful – Plan 4

Key Features

1. Geographical Scope of Coverage – Worldwide
2. Medical network – NEXTCARE RN2
3. Inpatient Benefits –
   • Room Type – Private Room
   • Attendee Accommodation Charges – AED 250 per day
   • Emergency Ambulance Service
   • Organ Transplant costs excluding costs associated with the donor. Organs covered – heart, kidney, liver, autologous and allogeneic bone marrow, lung, and pancreas
   • Psychiatric treatment of up to AED 6,000 per person per year
4. Outpatient Benefits -
   • 20% co-payment on specialists’ consultation of up to AED 60 and 10% co-payment of up to AED 25 for general practitioners’ consultation
   • Dental and gum treatment (emergency cases only) – subjected to 20% co-insurance
   • Hearing and vision aids (emergency cases only) – subjected to 20% co-insurance
   • Psychiatric Treatment – up to AED 1,500 per person per annum
5. Pre-existing and Chronic Medical Conditions -
   • Covered up to AED 150,000
   • Subjected to a waiting period of 6 months for first-time policyholders
   • No waiting period provided that proof of continuing the coverage is provided
   • Only the declared pre-existing medical conditions would be covered
6. Other Benefits -
   • Diagnostics (X-ray, MRI, Endoscopy, CT Scan, ultrasound, and so forth) – subjected to 10% co-payment
   • Home nursing following in-patient treatment – up to AED 5,000 per person per annum
   • Cancer Treatment
   • HCV Screening, Investigation, Healthcare Service, and Treatment
   • Physiotherapy (subjected to pre-approval) – up to 10 sessions per member per annum
   • Repatriation of Mortal Remains to the native country – up to AED 10,000 per person per annum (settlement done as reimbursement)
   • Alternative Medicines and Therapies (chiropractic, osteopathy, Ayurveda, and homeopathy) – up to AED 1,000 per person per year

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Why Buy Medical Insurance For Elderly Parents in Dubai?

Given below are a few benefits of senior citizen health insurance dubai plans – 

• Cover for hospitalisation expenses
• Cover for domiciliary treatment expenses
• Choice of the second opinion
• No claim bonus
• Pre-medical screening
• Covers outpatient consultation

How to Find the Best Health Insurance for Senior Citizens?

You can easily secure a senior citizen health insurance plan from Policybazaar UAE. This is a third-party aggregator that offers a wide range of health insurance plans for senior citizens in the UAE from the leading providers. To compare the plans and select the best one of them, simply navigate to the quotes page and choose a plan as per your requirements.

AED 1 million Health cover starting @4/Day

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Eligibility to Buy a Senior Citizen Health Insurance Plan

There are few things that you need to about eligibility criteria for a senior citizen health insurance plan which are explained as follows:

• In most cases, as long as you are 60 years or older, you are eligible to buy any healthcare insurance plan made especially for senior citizens.
• There may be a few insurance companies that set the age limit a little higher or lower as per their personal standards but the lower age limit is generally around the age group of 60-65 years.
• There is no upper age limit in the eligibility criteria of the senior citizen health insurance plans.

Note - Senior citizen health insurance plans can be provided only to UAE nationals and residents. While there are a few plans for parents of expatriates and non-residents, they do not provide comprehensive coverage

Documents Required For Senior Citizen Health Insurance in the UAE

Here is a list of general documents that you would be required to provide to buy a health insurance plan for senior citizens –

If you are purchasing health insurance for senior citizen 

• A copy of your passport and residence visa
• A copy of Emirates ID
• Medical reports and other documents required by the provider

If you are purchasing senior citizen health insurance for your parents 

• A copy of your passport and residence visa
• A copy of Emirates ID 
• A copy of your parent’s passport
• Medical reports and other documents required by the provider

How to Renew Health Insurance for Senior Citizens?

When you secure health insurance for senior citizens, you would be covered for 11 months. The remaining 1 month is a grace period that allows you to renew your insurance in time. For this reason, it is advisable to renew your senior citizen health insurance within the grace period. 

You can follow an easy three-step process to renew the health policy for senior citizens – 

• Provide the Policy Details: Provide your policy details and register your policy for renewal on Policybazaar.ae
• Pay Your Premium: Next, pay the premium for your insurance policy to get it renewed
• Check the Policy Details: Visit your customer dashboard on Policybazaar to check the status of your policy

Note: You should secure proof of continuity if you are continuing with the same health insurance provider for senior citizens. This enable you to continue your coverage for pre-existing and chronic conditions without serving additional waiting period. 

How to File a Health Insurance Claim for Senior Citizens?

Here is an easy process to help you claim the health policy for senior citizens.

• Register the Claim: Go to your insurance provider’s website and file a claim.
• Submit the Documents: To get the claim approved, you need to submit the relevant documents. Upload the documents on the online portal and submit the claim to get approval.
• Wait for the Approval: Once that’s done, wait till you get your medical claim approved.

To Conclude 

With a senior citizen health insurance plan, you can be covered for hospitalisation charges, outpatient visitations, treatments for chronic diseases, and more. You can also take a second opinion on the treatment that you would get for free or at nominal charges. It should be noted that a comprehensive senior citizen health insurance is a must have in today’s day and age to deal with any medical emergency.

You can purchase the best senior citizen health insurance by visiting our Health Insurance section.

Senior Citizen Health Insurance FAQs

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