# Family Health Insurance Dubai

**Published:** 2021-04-15
**Updated:** 2026-09-22
**Author:** Mousree Das
**Reviewer:** Toshita Chauhan
**Original Url:** https://www.policybazaar.ae/family-health-insurance-hic/

**We are Rated:** 4.7/5
**Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7)
**Trusted Customers:** 2 Million+
**Insurance Partners:** 35+
**Policies Sold:** 1 Million+

You can get a family health insurance plan to cover your loved ones against any medical situation. These plans offer benefits like cashless hospitalisation (covering all the procedures including doctor consultations), ICU charges, operation theatre costs, maternity benefits, dental cover, and more. Your family members are also covered for diagnostic tests and ambulance charges. What makes these plans essential is that they offer financial security in the direst situations and eliminate the need to pay medical bills out of your pocket.

Regulatory credentials

Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))**

DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries)

Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf)

 Information on this page is for general guidance only - not personalised financial or medical advice.

## What is Family Health Insurance?

Family health insurance is a kind of health insurance that gives you insurance coverage for both you and your family. Family medical insurance plans provide you with quality healthcare in hospitals and cover all your medical expenses on a [cashless or reimbursement basis](https://www.policybazaar.ae/health-insurance/articles/cashless-and-reimbursement/).

Table of Content

*   [What is Family Health Insurance?](#what-is-family-health-insurance)
*   [Best Family Plans Compared: Cover, Pharmacy Limit & Price](#best-family-plans-compared-cover-pharmacy-limit--price)
*   [Why Do You Need Health Insurance Plan for Your Family?](#why-do-you-need-health-insurance-plan-for-your-family)
*   [What Factors are to be Considered before Buying Family Health Insurance in Dubai?](#what-factors-are-to-be-considered-before-buying-family-health-insurance-in-dubai)
*   [What's Covered for Your Spouse, Kids & Parents](#what's-covered-for-your-spouse-kids--parents)
*   [What's Not Covered - Know Before You Buy](#what's-not-covered--know-before-you-buy)
*   [Eligibility for Family Health Insurance UAE](#eligibility-for-family-health-insurance-uae)
*   [Compare Different Family Health Insurance Plans in UAE](#compare-different-family-health-insurance-plans-in-uae)
*   [How to Buy the Best Health Insurance Plan for Family?](#how-to-buy-the-best-health-insurance-plan-for-family)
*   [How to Claim Your Family Medical Insurance in Dubai?](#how-to-claim-your-family-medical-insurance-in-dubai)
*   [How to Renew Family Health Insurance Plan in UAE?](#how-to-renew-family-health-insurance-plan-in-uae)
*   [Frequently Asked Questions](#frequently-asked-questions)
*   [Frequently Asked Questions](#frequently-asked-questions)

 

| 
### **Overview of Family Health Insurance**

 |
| --- |
| Parameters | Features |
| --- | --- |
| Family Health Insurance Cost | AED 32/ Day\* |
| Maximum Medical Cover | AED 7,350,000 |
| Minimum Entry Age | 0 Days |
| Maximum Entry Age | 99 Years |
| Emergency Treatments | Covered |
| [New Born Cover](https://www.policybazaar.ae/can-you-buy-health-insurance-for-new-born-baby-in-uae-hiart/) Coverage | Covered upto 30 days |
| Top Insurers | Sukoon Insurance, Takaful Emarat, Adamjee Insurance, Dubai Insurance, Orient Insurance, ADNIC Insurance, Daman Insurance, and more |
| Policy Tenure of Medical Family Insurance in UAE | Generally, purchased for 1 year and can be renewed on an annual basis |
| Coverages Included in Family Insurance in UAE | Hospitalisation<br>Outpatient treatment<br>Maternity care<br>Emergency services<br>Dental and optical treatments (sometimes) |
| Exclusions | Cosmetic procedures<br>Non-prescription drugs<br>Experimental treatments |
| Cashless or Reimbursement Claim | Covered |
|  |

_\*The premium of family health insurance in the UAE varies significantly based on several factors, including the insurance provider, the level of coverage, the number of family members, and their ages. Additionally, premiums may differ based on the specific benefits and add-ons chosen._

## Best Family Plans Compared: Cover, Pharmacy Limit & Price

Here are the best family medical insurance plans in Dubai, UAE:

| Plan Name | Medical Cover (AED) | Pharmacy Limit | Price |
| --- | --- | --- | --- |
| [**Orient Insurance - Gold - Family Care Plan A**](https://www.policybazaar.ae/health-insurance/orient-gold-family-care/) | 1,000,000 | Upto Medical Cover | View Quotes |
| [**Takaful Emarat - Rhodium**](https://www.policybazaar.ae/health-insurance/takaful-emarat-rhodium/) | 1,000,000 | Upto AED 15,000 | View Quotes |
| [**Watania - Gold - Family Care Plan A**](https://www.policybazaar.ae/health-insurance/watania-takaful-gold-family-care-plan/) | 1,000,000 | Upto Medical Cover | View Quotes |
| **Alliance - Universal Plus Plan** | 500,000 | Upto AED 10,000 | View Quotes |
| **DNIRC Gold - Plan A** | 1,000,000 | Upto Medical Cover | View Quotes |
| View More Plans |

  

## Why Do You Need Health Insurance Plan for Your Family?

Here are the top reasons why family health insurance is a necessity in the UAE: Mandatory Coverage: [Medical insurance is mandatory across all emirates](https://www.policybazaar.ae/health-insurance/articles/health-insurance-mandatory-in-all-emirates/). Buying family health insurance fulfils this requirement and covers all your immediate family members.

**Cashless Hospitalization:** With a health insurance plan in place, you can have your family treated in world-class facilities without worrying about the cost of treatment. Let’s imagine, one of your family members gets sick and needs urgent medical intervention and surgery. If you have [medical insurance](https://www.policybazaar.ae/health-insurance/), these emergencies are taken care of very well. You can go for a [cashless hospitalization](https://www.policybazaar.ae/health-insurance/network-hospitals/) to one of the network hospitals and receive the necessary treatment without worrying too much. However, if for some reason, your chosen hospital doesn’t fall under your insurance provider’s network, you can easily get a reimbursement for the expenses that you bear.

**Affordability:** Family health insurance plans come in different tiers with numerous benefits. You can easily find plans at lower premiums with suitable coverage.

**Quality Treatment:** As we all know medical expenses are not limited when it comes to going for treatment. They include medical expenses like doctor consultations, diagnostic tests, medicines, hospital room rent, operation theatre costs, and ambulance charges — costs that typically rise each year with medical inflation.

## What Factors are to be Considered before Buying Family Health Insurance in Dubai?

There are a few things that you must consider before buying the best health insurance for your family. Here’s a list:

*   Check if the claim process is simple. The simpler it is, the faster the claims are processed.
*   Select the sum assured wisely as it covers the medical expenses for the whole year. Keep in mind that the younger you are, the lower the premiums.
*   Your family's age and medical history directly affect the premium and the plan you can get — older parents or a family member with a pre-existing condition may face a waiting period or a higher premium loading.
*   Check the list of hospitals where you get cashless hospitalization. Always choose an insurance provider that has a high number of network hospitals.

Choose Health Insurance Coverage of Your Choice

[

150KHealth Insurance

](/health-insurance/filter/health-insurance+150-thousands-aed-sum-insured+in-dubai/)[

250KHealth Insurance

](/health-insurance/filter/health-insurance+250-thousands-aed-sum-insured+in-dubai/)[

500KHealth Insurance

](/health-insurance/filter/health-insurance+500-thousands-aed-sum-insured+in-dubai/)[

1MillionHealth Insurance

](/health-insurance/filter/health-insurance+1-millions-aed-sum-insured+in-dubai/)[

3MillionHealth Insurance

](/health-insurance/filter/health-insurance+3-millions-aed-sum-insured+in-dubai/)[

5MillionHealth Insurance

](/health-insurance/filter/health-insurance+5-millions-aed-sum-insured+in-dubai/)[

7.5MillionHealth Insurance

](/health-insurance/filter/health-insurance+7.5-millions-aed-sum-insured+in-dubai/)[

10MillionHealth Insurance

](/health-insurance/filter/health-insurance+10-millions-aed-sum-insured+in-dubai/)[

15MillionHealth Insurance

](/health-insurance/filter/health-insurance+15-millions-aed-sum-insured+in-dubai/)

All coverage in AED\*

## What's Covered for Your Spouse, Kids & Parents

The best medical insurance for the family includes:

*   Hospital room charges
*   Doctor consultations
*   Operation theatre charges
*   ICU charges
*   Daycare procedures
*   [Ambulance charges](https://www.policybazaar.ae/health-insurance/glossary/ambulance-cover/)
*   [Maternity benefits](https://www.policybazaar.ae/health-insurance/articles/maternity-insurance-in-uae/)
*   [Pre-existing conditions](https://www.policybazaar.ae/health-insurance/articles/health-insurance-companies-deal-with-pre-existing-conditions/)
*   [Dental cover](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) (Optional coverage)

## What's Not Covered - Know Before You Buy

Certain medical conditions and services are not included in a typical family medical insurance plan. The common exclusions are as follows:

*   Infertility-related treatment
*   Cosmetic surgeries
*   Sports-related injuries related
*   Injuries suffered due to some criminal activity
*   Claims for treatment caused by substance abuse or alcohol consumption

AED 1 million Health cover starting @4/Day

## Related Health Insurance

 

[Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/)

[Senior Citizen Health Insurance](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/)

[Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/)

[Critical Illness Health Insurance](https://www.policybazaar.ae/critical-illness-health-insurance-hic/)

[Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/)

[Private Medical Insurance](https://www.policybazaar.ae/health-insurance/private-medical-insurance/)

## Eligibility for Family Health Insurance UAE

All UAE residents and nationals are eligible for any basic health insurance plan available in the country and that includes family-specific plans as well. Irrespective of the age, everyone shall be covered in the family plan, whether it is an individual personal plan or insurance offered by the employer. However, the number of dependents may vary as per the insurance provider that you choose. All you need to do is read the terms and conditions of the selected plan carefully to know the kind of coverage that’s being provided in the plan.

Following are a few eligibility details that you will need to keep in mind when buying family health insurance:

*   While the applicant has to be at least 18 years old, the [dependents in a family plan](https://www.policybazaar.ae/5-minute-guide-to-choosing-the-best-health-insurance-for-dependents-hiart/) can be anyone who has all the valid documents to prove dependency on the applicant and their familial relations.
*   You can include a new family member in the same family insurance at any time.
*   There is an [upper age limit on the children](https://www.policybazaar.ae/how-long-can-you-stay-on-your-parents-health-insurance-hiart/) who are included as dependents in a family insurance plan. The age bar differs for every insurance provider but children under 18 years of age are to be included as dependents in a family health insurance plan.
*   Most providers offer combined claims for the whole family. This means that if one member happens to exhaust the claim limit, the family insurance policy expires right there.
*   [Senior citizens are eligible](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) to be included in family health insurance plans but it may come with an increased premium since insurance companies see senior citizens as high-risk customers.

  

## Compare Different Family Health Insurance Plans in UAE

Here is a simple process that you can follow to buy the cheapest health insurance for families in the UAE.

1.  **Discover Your Needs and Find a Suitable Plan:** To buy a useful family insurance plan, you must know what your needs are. Calculate the coverage amount that would be sufficient for you and your family.  
    You need to consider each family member’s needs in mind and opt for a plan that’s closely aligned with your needs. Compare the prices, check out the benefits, and shortlist the family insurance plans based on your medical requirements.
2.  **Check the Insurance Provider’s Records:** After you have compared the prices of different insurance providers and chosen the one you are going to buy your insurance from, perform thorough research on the insurer’s [claim settlement ratio](https://www.policybazaar.ae/all-you-need-to-know-about-claim-settlement-ratio-hiart/), customer experience etc.  
    Check out the number of years the company has been in the insurance business, its Claim Settlement Ratio the benefits they provide, etc., and make an informed decision thereafter.  
    Perform thorough research and check out the inclusions and exclusions of the plans. Do not forget to go through the customer reviews to find out the nature of the service provided.
3.  **Go through the [List of Network Hospitals](https://www.policybazaar.ae/why-choose-a-network-hospital-over-a-non-network-hospital-hiart/):** Make sure to check out the list of network hospitals and see if your preferred hospital is included or not.
4.  **Check the Claim and [Renewal Process](https://www.policybazaar.ae/health-insurance/articles/know-about-renewing-your-health-insurance/):** The insurance claim and renewal process must be smooth. Find out in advance if the process is quick and simple or not. This will come in handy when it’s time for you to get your insurance policy renewed.
5.  **Proceed to make a purchase:** Now, when you know almost everything about your insurance provider, you can proceed with buying a plan of your liking. It all depends upon the modes they are offering. If they allow you to buy insurance online, just go to the portal, submit the required documents, and make the payment. Or else, you can simply visit the branch and make a purchase.

AED 1 million Health cover starting @4/Day

## How to Buy the Best Health Insurance Plan for Family?

Buy a family health insurance plan via Policybazaar.ae in just a few steps. The process is quick and completely hassle-free. Here’s the step-by-step process:

1.  Click for the [lead form](#).
2.  Complete the form with all the correct details.
3.  Compare the displayed plans on the quotes.
4.  Select one and proceed to buy.
5.  Make the payment to receive your policy document on the registered email ID.

## How to Claim Your Family Medical Insurance in Dubai?

The process to claim your medical insurance for your family is as simple as the one for buying it. Here are the simple steps that you can follow to register your claim.

1.  **Report the Claim:** First, you need to go to your insurer’s website and report your claim.
2.  **Submit the Documents:** Provide medical proofs in form of documents and bills followed by submitting the bill.
3.  **Wait for the Approval:** It usually takes 15-30 days to get the final approval. Just sit back and wait for the approval.

## How to Renew Family Health Insurance Plan in UAE?

If you’ve bought your family health insurance via Policybazaar.ae, easily renew your existing policy instantly:

1.  Sign in to your Policybazaar.ae account.
2.  Go to the dashboard and find the existing family health policy.
3.  Select the policy and click on the relevant option to renew it.
4.  You can even make customisations or choose a different plan during the renewal process.
5.  Once done, complete the payment and receive your policy on the registered email ID.

AED 1 million Health cover starting @4/Day

## Frequently Asked Questions

### Why do I need an insurance plan for my family?

Family medical insurance plans help you in keeping your family safe. Taking a family health insurance is cheaper in comparison to buying [individual insurance plans](https://www.policybazaar.ae/individual-health-insurance-hic/) for each family member.

A health insurance plan covers your family’s treatment expenses and gives you enough financial strength if a medical emergency comes up. Buying a healthcare insurance plan is the best precaution you can take to meet all your medical requirements for both you and your family.

### What are the documents I need to submit for the family insurance plan?

Here is the list of documents required for a family insurance plan.

*   Identity, age, and address proof of all the members
*   Income proof of the policyholder
*   The proposal form
*   A few medical tests (applicable in some cases)

### Can I add my family members to an existing policy?

A regular insurance policy allows you to add new members at the time of renewal. However, the dependents can be added anytime except for newborns.

### Is it possible to change hospitals during treatment?

Yes, you can switch hospitals during treatments. However, you need to inform your [TPA department](https://www.policybazaar.ae/health-insurance/tpa/) and let them evaluate your case based on the terms and conditions of the policy.

### How does a Family health insurance plan work?

You get a fixed sum insured for a policy term and you can use this amount whenever you avail of any medical services. If the sum insured gets exhausted by one member, no other member can avail of it until the policy gets renewed.

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| [A to Z of Getting a Health Card in UAE](https://www.policybazaar.ae/what-is-health-card-in-uae-hiart/) | [Can You Buy Health Insurance for New Born Baby in UAE?](https://www.policybazaar.ae/can-you-buy-health-insurance-for-new-born-baby-in-uae-hiart/) |
| [Where Can I Get Medical Help Without Having Health Insurance?](https://www.policybazaar.ae/where-can-i-get-medical-help-without-having-health-insurance-hiart/) | [Health Insurance for Dependents in Dubai](https://www.policybazaar.ae/5-minute-guide-to-choosing-the-best-health-insurance-for-dependents-hiart/) |
| [Best Short-term International Health Insurance in UAE](https://www.policybazaar.ae/health-insurance/articles/best-short-term-international-health-insurance-in-uae/) | [How to Renew Daman Health Insurance Online?](https://www.policybazaar.ae/how-to-renew-daman-health-insurance-online-hiart/) |
| [Health Insurance Claim Settlement](https://www.policybazaar.ae/health-insurance-claim-settlement-hiart/) | [Delmicron – What is it and How is it Different from Omicron?](https://www.policybazaar.ae/health-insurance-articles-what-is-delmicron-and-how-is-it-different-from-omicron/) |
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