Did You Know Medical Insurance Offers Free Health Check-Up?
Health Insurance UAE Plans
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
HAYAH Insurance
Plan NameCare Blue
Medical Cover (AED)250,000
Starting FromAED 5,185/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Takaful Emarat
Plan NameECARE BLUE
Medical Cover (AED)150,000
Starting FromAED 5,566/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Insurance
Plan NameHealth Plus - Plan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,780/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Cigna
Plan NameHealthguard Regional
Medical Cover (AED)2,750,000
Starting FromAED 35,756/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
General
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
GIG Gulf (Previously AXA)
Plan NameGlobal
Medical Cover (AED)7,500,000
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Fidelity United
Plan NameHealth First Plan G
Medical Cover (AED)500,000
Starting FromAED 5,083/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
PCP- C Network
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Dubai Insurance
Plan NameDubaiCare Next N5
Medical Cover (AED)1,000,000
Starting FromAED 6,097/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Takaful Insurance
Plan NamePlan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,772/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
RAK Insurance
Plan NameNextcare RN3
Medical Cover (AED)1,000,000
Starting FromAED 6,787/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Plan NameEssential
Medical Cover (AED)150,000
Starting FromAED 7,350/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Adamjee
Plan NameSilk Road
Medical Cover (AED)1,000,000
Starting FromAED 10,500/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Watania Takaful (Previously Noor Takaful)
Plan NameNAS NRICare Plan 6
Medical Cover (AED)1,000,000
Starting FromAED 11,058/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Abu Dhabi National Insurance Company
Plan NameBronze
Medical Cover (AED)250,000
Starting FromAED 17,993/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Allianz
Plan NameSelect Pearl (Comprehensive excl CCAD network)
Medical Cover (AED)6,426,800
Starting FromAED 69,520/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Bupa
Plan NameSelect
Medical Cover (AED)6,239,000
Starting FromAED 69,883/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Premium Network
Plans shown as per selected filters. T&Cs apply
Plans shown as per selected filters. T&Cs apply
Most of us think of medical insurance as a safety net for emergencies — something we turn to when illness strikes. But what if it could help you stay healthy in the first place?
In the UAE, many are surprised to find that their insurance doesn’t usually include basic preventive services like annual health check-ups. This often-overlooked gap can leave expats feeling unsure about how to manage their long-term health. However, there is also good news — you can find smarter insurance options out there that go beyond just emergency care.
Does Medical Insurance Offer Free Health Check-Ups in the UAE?
The short answer is — no, not usually.
In the UAE, most standard health insurance plans focus on covering medical treatment after you fall sick or meet with an emergency. Preventive services like annual health check-ups, full-body screenings, or wellness diagnostics are not generally included under basic or even comprehensive policies. This is even true for plans that meet only the mandatory coverage requirements set by regulatory bodies like the DHA (Dubai Health Authority) or DoH (Department of Health in Abu Dhabi).
For expats, this can be a real concern. It is especially the case for those who don’t visit home often or skip check-ups due to high private healthcare costs in the UAE. So, is there a way to get these benefits without upgrading to an expensive premium plan?
The answer is yes, and that's where platforms like Policybazaar.ae come in!
Policybazaar.ae: How PB Advantage Brings Free Health Check-Ups for Expats?
As mentioned above, finding a health insurance plan that covers preventive care like annual check-ups can be difficult in the UAE. That’s where Policybazaar.ae has stepped up with something unique — the PB Advantage.
Under PB Advantage, you can select plans that come with free annual health check-ups in India, specially designed for Indian expats living in the UAE. If you're visiting home or planning a trip, you can schedule a check-up at leading diagnostic centres across India at zero cost.
But that's not all. Apart from the free check-up, PB Advantage also brings a bundle of extra benefits to give your health policy more value and convenience —
🎁 PB Advantage Includes
30-Minute Claims Help: Quick support for any claim — no long waiting or chasing
Auto Recharge: If your sum insured is used up, it gets restored once a year for new illnesses
No Claim Bonus: Get 10% extra coverage every claim-free year (up to 50% more)
Quick Quotes for Pre-Existing Conditions: Get quotes in just 60 minutes
Free Annual Health Check-Up in India: One full-body check-up every year at no cost
Cashless Hospitalisation in India: No need to pay upfront at hospitals across 400+ cities in India
One Plan for UAE & India: No need to manage two separate policies
Policy Portability to India: Shift your plan to India after 4 years — without losing benefits
Best Health Insurance Plans Offering Free Check-Ups & AED 1 Million Cover
As discussed, PB Advantage health insurance plans on Policybazaar.ae not only cover you in the UAE but also offer valuable benefits when you travel to India — including a free annual health check-up.
Find below some popular PB Advantage plans to consider —
Plan & Insurer
Medical Coverage (AED)
Pharmacy Limit (AED)
Ecare Blue – Dubai Insurance
1,000,000
Up to 5,000
Apply Now
NAS Plan 6 – Watania Takaful
1,000,000
Up to 4,500
Apply Now
Care RN3 – Hayah
1,000,000
Up to 5,000
Apply Now
Note: Plan features may vary based on age, region, and insurer policies. Please check with Policybazaar.ae for the latest updates before buying.
Does health insurance in the UAE include free health check-ups?
No, most medical insurance plans in the UAE don’t include free annual health check-ups. These are usually available only with PB Advantage plans offered on Policybazaar.ae.
Who can benefit from the free annual health check-up in India?
This benefit is mainly for Indian expats in the UAE who travel to India. If you purchase a PB Advantage plan, you can get a free health check-up once every year at partnered clinics in India.
Is the annual check-up really free or do I have to pay anything upfront?
Yes, it's completely cashless. You don't need to pay anything upfront, provided you use one of the approved hospitals or diagnostic centers in India.
When can I use the free check-up benefit?
You can use the check-up once per policy year, generally anytime after your policy becomes active. It's best to check the exact terms with Policybazaar.ae for your specific plan.
Are these benefits available across all cities in India?
Yes, PB Advantage partners with hospitals and labs in 400+ cities in India. So, whether you're in a metro or a smaller town, you’re likely covered.
Can I transfer my PB Advantage health policy to India if I move back permanently?
Yes. After 4 years of continuous coverage in the UAE, you can transfer your policy benefits to India.
What if I need help with claims or questions?
PB Advantage offers 24x7 customer support and 30-minute claims assistance. This way, you’re never left in the dark without help — whether you're in the UAE or India.
Last Updated : 12 Jan 2026Healthy Meal Planning For Working ProfessionalsDiscover healthy meal planning ideas for working professionals. Save time, eat clean, and stay energized with simple, balanced meal plans.
Last Updated : 09 Jan 2026Top Wellness Trends in 2026 You Can Actually TryDiscover the top wellness trends of 2026 that are practical, affordable, and easy to follow. Simple habits to improve health, fitness, and mental well-being.
Last Updated : 06 Jan 2026How to change Mobile number in Emirates IDLearn how to update or change your mobile number linked to Emirates ID online or offline. Simple steps, required documents, and FAQs explained.
Last Updated : 12 Jan 2026Top Preventive Health Checkups You Should Do Every YearDiscover the top preventive health checkups you should do every year to detect health issues early and stay fit. A complete annual screening guide.
Last Updated : 12 Jan 2026Digital Detox: Why Your Brain Needs a Break from ScreensDiscover why taking a digital detox is essential for your mental clarity, focus, and overall well-being. Learn how excessive screen time affects your brain and simple ways to reset, recharge, and regain balance in 2025.
Last Updated : 09 Dec 2025How to Check Medical Insurance Status with Emirates ID?Emiratis will now be able to use their Emirates ID cards not only to go through immigration gates at the airport but to avail of medical services in the UAE.
Last Updated : 14 Jan 2026Best Health Insurance Companies in Dubai, UAE 2026Find the Top 10+ Health Insurance Companies in Dubai, UAE Offering Comprehensive Health Insurance Coverage and Exceptional Services at Affordable Prices.
Last Updated : 15 Jan 2026Maternity Insurance UAE: Buy Pregnancy Insurance in UAEComprehensive maternity insurance policy will cover the costs of your pregnancy, From regular checkups, ultrasound, medication to delivery and hospitalization expenses.
Last Updated : 27 Nov 2025How to Check the Status of Your Health Insurance Online?The easiest way to get familiar with your plan details or check the active status is to do it online. Let’s figure out how to check if your health insurance plan is active online.
Last Updated : 18 Nov 2025Health insurance for Children - Medical Policy for Kids OnlineGet comprehensive health insurance for your child in the UAE. Ensure your child's health and well-being with affordable and reliable coverage tailored to their needs.
Last Updated : 18 Nov 2025Can You Buy Health Insurance for New Born Baby in UAE?Don't know whether you can buy medical insurance for new born baby in UAE? In this article we’ll share everything you need to know about health insurance for newborn baby.
Reviews
Self Only
Both Self and Family
Family without Self
Domestic Workers
Investor
.png)
Last Updated : 12 Jan 2026Healthy Meal Planning For Working ProfessionalsDiscover healthy meal planning ideas for working professionals. Save time, eat clean, and stay energized with simple, balanced meal plans.
Last Updated : 09 Jan 2026Top Wellness Trends in 2026 You Can Actually TryDiscover the top wellness trends of 2026 that are practical, affordable, and easy to follow. Simple habits to improve health, fitness, and mental well-being.
Last Updated : 06 Jan 2026How to change Mobile number in Emirates IDLearn how to update or change your mobile number linked to Emirates ID online or offline. Simple steps, required documents, and FAQs explained.
Last Updated : 12 Jan 2026How to Lose Weight Without Exercise | Simple & Proven TipsWant to lose weight without exercising? Discover easy diet, lifestyle, and daily habit changes that help you burn fat naturally.
Last Updated : 12 Jan 2026Top Preventive Health Checkups You Should Do Every YearDiscover the top preventive health checkups you should do every year to detect health issues early and stay fit. A complete annual screening guide.
Last Updated : 12 Jan 2026Digital Detox: Why Your Brain Needs a Break from ScreensDiscover why taking a digital detox is essential for your mental clarity, focus, and overall well-being. Learn how excessive screen time affects your brain and simple ways to reset, recharge, and regain balance in 2025.
Last Updated : 09 Dec 2025How to Check Medical Insurance Status with Emirates ID?Emiratis will now be able to use their Emirates ID cards not only to go through immigration gates at the airport but to avail of medical services in the UAE.
Last Updated : 14 Jan 2026Best Health Insurance Companies in Dubai, UAE 2026Find the Top 10+ Health Insurance Companies in Dubai, UAE Offering Comprehensive Health Insurance Coverage and Exceptional Services at Affordable Prices.
Last Updated : 15 Jan 2026Maternity Insurance UAE: Buy Pregnancy Insurance in UAEComprehensive maternity insurance policy will cover the costs of your pregnancy, From regular checkups, ultrasound, medication to delivery and hospitalization expenses.
Last Updated : 27 Nov 2025How to Check the Status of Your Health Insurance Online?The easiest way to get familiar with your plan details or check the active status is to do it online. Let’s figure out how to check if your health insurance plan is active online.
Last Updated : 18 Nov 2025Health insurance for Children - Medical Policy for Kids OnlineGet comprehensive health insurance for your child in the UAE. Ensure your child's health and well-being with affordable and reliable coverage tailored to their needs.
Last Updated : 18 Nov 2025Can You Buy Health Insurance for New Born Baby in UAE?Don't know whether you can buy medical insurance for new born baby in UAE? In this article we’ll share everything you need to know about health insurance for newborn baby.
