Cost of Individual Health Insurance Plans in the UAE

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  | Published: 19 May 2021

Don’t gamble with your health, get the right cover at the right price.

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Buying health insurance for?
  • Self/Family
  • Domestic Workers
  • Investor

Various insurance companies in the UAE offer attractive health insurance plans for users. These health insurance policies provide cover against the medical bills and help policyholders focus on their health.

Buying a healthcare insurance plan in the UAE is mandatory. If your organization doesn’t provide you with a health insurance plan, you must buy one for yourself and your family.

Here we are going to talk about individual health insurance plans that can be bought for a single person. We will help you learn the average costs, the benefits, inclusions, exclusions, and much more about individual health insurance in UAE.

An Introduction to Individual Health Insurance in the UAE

Individual health insurance plans provide cover against medical bills for a single person. In this type of insurance coverage, the insured person need not to share the sum insured with any other family member.

These plans cover medical expenses like doctor’s consultation charges, ambulance charges, bills for tests and diagnostics, and much more. An individual health insurance plan helps you go avail of the cashless benefits if you choose the hospital that is covered under the insurer’s hospital network. And in case you need to choose the hospital from outside the network, you can pay your medical bills and then get them reimbursed from your insurance company later on.

Average Cost for the Individual Medical Insurance in the UAE

The premium amount and the rate of insurance depend upon the age of the person to be insured. The average monthly cost of the health insurance plan in Dubai is around AED 350. And when it comes to the monthly individual health insurance cost, it falls around AED 3,915. As per the experts, Dubai is the 7th most expensive country in terms of medical insurance plans.

Various factors affect the premium of your health insurance policy. These factors include your age, location, medical history, tobacco consumption, and various other factors. If everything goes right, you get reasonable insurance rates for health insurance in the UAE.

Benefits of Buying Individual Health Insurance in the UAE

Here is a list of features and benefits that you get when you buy medical insurance in the UAE.

Free Medical Check-Up

Most health insurance companies in the UAE offer free medical check-ups for policyholders throughout the year. You can just show your health insurance card to the relevant medical centers and enjoy this benefit.

Cashless Treatment

With individual health insurance plans, you get cashless hospitalization also. This means you need not pay a penny from your pocket and your insurance company will take care of all your medical expenses based on the terms of your policy. To get these benefits, you need to choose the hospital from the insurer’s hospital network list. All you need to do is report the claim and provide your policy documents.

Pre & Post Hospitalization Benefits

Individual health insurance plans offer pre and post-hospitalization benefits like paying for the doctor’s consultation, ambulance, diagnostics, and tests, etc. There is a specific number of days before and after the hospitalization that the insurer provides these benefits for.

Transportation Expenses

The health insurance company also pays for the transportation charges for the insured person if he/she gets hospitalized. They cover ambulance charges from home to hospital and back to home after getting discharged. Ambulance rides can otherwise be very expensive. 

No Claim Discount

The policyholders get a no-claim discount if they do not report a single claim for one policy tenure. The no claims discount gets applied at the time of the renewal of the policy. It can be an increment in the sum assured or a discount on the premium.

Factors that Affect Individual Health Insurance Premiums in the UAE

Here is a list of factors that can affect health insurance premiums in the UAE:

1. Age

The age of the buyer affects the premium amount. If you are young, you get lower insurance rates. However, if you are a senior citizen, you may need to pay a higher insurance premium.

2. Geographic Location

Your insurance premium gets affected by your geographic location as well. For some specific locations in the UAE, the premium is comparatively higher due to the deficiency of resources, climate issues, etc.

3. Policy Tenure

The insurance premium also gets affected by the duration of the insurance plan that you choose. If you select the policy for a longer duration, you may be required to pay lower premiums. However, the premium amount is higher for the shorter insurance terms.

4. Tobacco Usage

Tobacco usage also affects insurance premiums in the UAE. Medical insurance in the UAE for people who consume tobacco is 50% costlier when compared to those who don’t.

5. Medical History

People with a medical history of illness need more medical care hence the premiums are higher.

6. Pre-existing Medical Illness

The buyers who have pre-existing medical conditions need to pay higher health insurance premiums. Only a few health insurance companies in the UAE provide cover for pre-existing illnesses. And the insurance rates of these plans are also high.

Inclusions of Individual Health Insurance in the UAE

Here is a list of individual health insurance plan inclusions.

  • Doctor’s consultation
  • Ambulance charges
  • Health check-ups
  • Domiciliary Treatment
  • Diagnostics and Tests
  • Daycare procedures
  • Hospitalization Charges
  • Day Care Procedures
  • Medication
  • Donor expenses in case of organ transplantation
  • Pre-existing diseases and health illnesses
  • Pre & post hospitalization expenses
  • Emergency medical treatments
  • Vaccinations & inoculations

Exclusions of Individual Health Insurance in the UAE

Here is a list of individual health insurance plan exclusions.

  • Vision and hearing aids
  • Dental and gums treatment
  • Non-allopathic treatment
  • Addiction-related treatment
  • Alternative Therapies
  • Post-medical care procedures
  • Treatment for AIDS
  • Treatment for terminal illnesses
  • Cosmetic or Plastic surgeries
  • Medical treatments for obesity
  • Sex Transformation surgeries
  • Hormone replacement
  • Injuries caused by terrorism or war
  • Injuries caused due to nuclear activity

How to Buy an Individual Medical Insurance in the UAE?

You can buy some amazing health insurance plans in UAE by following these simple steps:

1. Discover Your Needs

The very first step when you want to buy individual medical insurance in the UAE is to discover your needs. You must know what your requirements are and what kind of medical care you need based on your present medical condition.

2. Compare Different Plans

Go through different health insurance plans offered by different health insurance companies in the UAE and check out the features and benefits they provide. Compare the claim settlement rates, benefits and features, premiums, etc.

3. Find the Best Fit

Find the plan that best fits your medical needs. Check out the premium, eligibility criteria, and claim settlement process.

4. Provide Your Details

Take a thorough look at the buying process of the provider. Provide your details and the required documents to start with the insurance buying process.

5. Pay the Premium

Once you’ve selected the plan and bought it, choose the preferred tenure and pay the premium to be insured.

Bottom Line

Taking health insurance is a smart move as it takes care of your finances in case of a medical emergency. In the UAE, various health insurance companies offer excellent insurance benefits at affordable prices. You just have to find out your needs and buy a plan that’s most suited to your requirement. You can also log on to policybazaar.ae to make the entire process smoother than ever.