Health insurance for children in the UAE is a medical coverage to protect the health of minors. It is usually offered as an individual policy for children below the age of 18, though some insurers may cover dependents up to 26 years old if they are students or financially reliant on their parents. These policies usually include coverage for essential healthcare services such as doctor consultations, vaccinations, emergency treatment, surgeries, and prescribed medications. In most cases, a newborn is covered under the mother’s insurance for the first 30 days after birth, after which a separate policy must be arranged for the child. In the UAE, health insurance is legally required for all residents, including children. It is the responsibility of the child’s parent or legal guardian to ensure they have valid coverage, either through an employer-sponsored group plan or by purchasing a private individual health insurance. ...read more
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 5,391/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
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 NameBlue
Medical Cover (AED)150,000
Starting FromAED 5,739/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
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 6,553/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 35,608/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.
Network - PCP C/RN3
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 6,553/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 10,245/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.
Sukoon Insurance (Prev. Oman Insurance)
Plan NameSafe
Medical Cover (AED)150,000
Starting FromAED 11,325/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Vital Network
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 69,491/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
Plans shown as per selected filters. T&Cs apply
Plans shown as per selected filters. T&Cs apply
What is Health Insurance for Kids in UAE?
Health insurance for children can be included as part of a family health plan or through individual policies that cater specifically to children, known as insurance for kids.
In the UAE, health insurance for child in UAE is essential due to the high cost and standards of healthcare.
Most insurers provide a comprehensive range of benefits, which includes cover for
Hospitalisation
Emergency treatments
Daycare procedures
Vaccinations and more
Some plans also cover dental care and critical illnesses as optional add-ons
It’s generally common for Medical insurance plans to allow the inclusion of up to two dependent children, with the option to add more for an additional cost.
Why Policybazaar UAE We at Policybazaar.ae are dedicated to simplifying the process of finding the perfect health insurance plan for your kid in the UAE. With our user-friendly platform, we provide transparent comparisons of policies and help you to make informed and confident decisions. Our focus is on offering detailed insights into premiums, benefits and coverage that truly meet your needs.
Wide range of policy 21+ InsurersTrusted coverage from top providers
We coverWorldwideCoverage that spans the globe
We guide you wiselyExpert AdviceGuidance tailored for you
AED 1 million Health cover starting @4/Day
An Overview of Health Insurance for Kids
Here's an overview of the key aspects of health insurance for child in the UAE —
Aspect
Key Details
Medical Insurance for Child in UAE Price
AED 72 per month*
Minimum Entry Age
0 years
Key Inclusions
Hospitalisation, emergency services, vaccinations, outpatient benefits, and more
Who Can Buy
Any parent or guardian residing in the UAE — some plans may also be purchased by sponsors or employers
Renewability
Most plans offer lifelong renewability. Dependent coverage may extend up to age 18 or 26 as per the plan.
Types of Claims
Both cashless and reimbursement claims
Eligibility
All children residing in the UAE are eligible, with specific provisions for dependents in family plans
*The premium is calculated for a 2-year-old girl, whose sponsor's salary ranges from AED 6000 to 7000, who is Emirati and resides in Dubai. The actual price in each case may vary.
Price of Medical Insurance for Dependents in UAE
The following table presents the dependent age and the price of minimum medical insurance for various categories of dependents in the UAE.
Dependent
Age
Price of Minimum Medical Insurance
For Kids
From 0 -30 Years
AED 872 yearly
For Female Spouse Dependent
From 18- 45 Years
AED 2062 Yearly
For Elderly Dependents
Above 60 Years
AED 2062 Yearly
Medical insurance for child in UAE price starts from AED 872 yearly or AED 72 monthly.
Medical insurance for female spouse dependent in UAE price starts from AED 2062 yearly.
Medical insurance for elderly dependents in UAE price starts from AED 2062 yearly.
Why Should You Buy Health Insurance for Child?
Given below are some reasons explaining why you should buy medical insurance for child in UAE —
Rising Medical Expenses: In the UAE, the cost of healthcare is escalating rapidly. By investing in medical insurance for child in UAE, you can be prepared for any unexpected medical expenses without a significant financial burden. This coverage helps you manage costs related to hospital visits, treatments, and emergency medical care.
Lifelong Health Advantages: Early investment in health insurance for your child can provide them with benefits that extend into adulthood. Consistent access to healthcare throughout their developmental years ensures they maintain optimal health, which can influence their well-being into adulthood.
Access to Quality Healthcare: With the right insurance for kids, you can have access to top healthcare facilities. This means your child can receive treatment from well-qualified professionals and state-of-the-art hospitals.
Injury Vulnerability: Children are naturally curious and active, which increases their risk of injuries. Health insurance for child in UAE covers the costs of treatment for any injuries they might sustain, whether from a simple fall or accident.
Increased Exposure to Risks: Children, especially those attending school or involved in outdoor activities, are exposed to various risks. Health insurance helps cover treatments for these exposures and gives them access to proper medical attention.
Natural Weak Immunity: Young children have developing immune systems, which makes them more susceptible to infections and illnesses compared to adults. With the best insurance for child in UAE, your kid can get necessary immunisations, regular check-ups, and treatments.
Types of Medical Insurance for Kids
There are generally 3 routes to secure health insurance for your child in the UAE. Each type offers different benefits and coverage specifics —
Individual Health Insurance: With individual health insurance for kids, you can sponsor an individual policy specifically for your child. This is particularly useful if you want a plan tailored to your child's specific health needs without tying it to a broader family or group policy. Coverage levels and costs can be adjusted based on the child's needs, flexibility and potentially comprehensive coverage.
Family Health Insurance: Family plans are common and economical if you have multiple dependents. Generally, such plans automatically cover two dependents, and more can be added for an additional cost. This setup simplifies managing healthcare as it covers multiple family members under one policy and makes the renewal and claim process easy.
Group Health Insurance: Often provided by employers, group health insurance can include coverage for dependents. However, keep in mind that the extent of this coverage might be limited compared to individual or family plans. Given the potential limitations, it may be advisable to get separate medical insurance for child in UAE for sufficient coverage for all possible health needs and scenarios.
Eligibility Criteria for Health Insurance for Kids
The eligibility criteria for medical insurance for child in UAE are well-defined and designed to provide comprehensive coverage from birth —
Coverage from Birth: From the moment a child is born, they can be included in their parent’s health insurance plan. In the UAE, it is common practice for newborns to be automatically covered by the mother’s maternity plan for the first 30 days after birth. After this period, parents need to include the child in a family or individual health plan.
Dependent Coverage: Children can be registered as dependents on their parent’s health insurance policy. Most individual health insurance plans provide coverage until the age of 26. Note that group health insurance policies provided by employers generally cover dependent children until they reach 18 years of age.
Enrolment Conditions: For family health insurance plans, children, once added as dependents, receive the same benefits as other members of the family under the plan. For individual plans specifically for children, the benefits are similar but focused on paediatric needs.
Regulatory Norms: In regions like Abu Dhabi and Dubai, specific regulatory guidelines mandate that employers provide at least basic health insurance coverage not just for employees but also for their dependents, including children. However, the exact nature of the coverage can vary based on the employer’s policy and the insurance provider.
AED 1 million Health cover starting @4/Day
Features and Benefits of Health Insurance for Kids
Health insurance for kids provides extensive coverage, which makes it an essential tool for managing your child's health needs. Listed below are some inclusions and coverages provided by medical insurance for kids in UAE —
Coverage for Emergency Treatments: In cases of accidents or sudden illnesses, your child can receive immediate medical attention without worrying about the financial impact. This includes access to emergency rooms, urgent medical procedures, and necessary surgeries.
Co-Payment Options: Co-payments are a feature where you pay a part of the medical costs out of pocket, which helps keep the premium costs lower. This shared expense model can make more comprehensive health insurance for kids more affordable while still providing good coverage.
Broad Geographical Coverage: Many policies offer coverage that is not just limited to the UAE but extends globally. This is particularly useful if you travel frequently or your child needs specialised treatment abroad.
Outpatient Services: Outpatient coverage includes doctor's visits, specialist consultations, and some procedures that don’t require hospital admission. This is crucial for ongoing health management, including regular check-ups and follow-up visits.
Coverage for Essential Vaccinations and Inoculations: Keeping up with your child's vaccination schedule is important for preventing diseases. Health insurance covers the cost of essential vaccinations and inoculations — this keeps your child healthy and protected against common diseases.
Telehealth Services: With the advancement in medical technology, many insurers now include telehealth services. This allows for remote consultations with healthcare professionals, which is especially useful for minor ailments or ongoing monitoring without the need for a physical visit to a clinic.
It is important to note that the above list includes general inclusions — depending on the policy and insurer, the coverage may differ. Always review the specific terms and conditions of your policy for medical insurance for kids to understand what is exactly covered.
Common Exclusions in Medical Insurance for Child in UAE
When choosing the best insurance for child in UAE, it's important to be aware of the exclusions that might affect the scope of coverage.
Here are some common exclusions found in health insurance for kids —
Pre-existing Conditions: Treatments for pre-existing conditions are usually not covered initially under new policies. The coverage might only begin after a waiting period, if at all.
Non-medical Items: Expenses for items that are not medically necessary, such as personal comfort items (e.g., beauty services, guest services) or over-the-counter drugs, are generally not covered.
Cosmetic Procedures: Any treatment or surgery that is cosmetic in nature, unless it's necessary for medical rehabilitation or due to an accident, is excluded.
Routine Dental and Vision Care: Most basic plans don’t cover routine dental treatments or vision care unless specified as an emergency or included in a more comprehensive plan.
Certain Types of Specialised Care: Treatments like acupuncture, homeopathy, and other alternative therapies are usually not covered.
Lifestyle and Congenital Issues: Treatments related to lifestyle choices, such as obesity, or congenital issues are often excluded from basic coverage plans.
AED 1 million Health cover starting @4/Day
Which are the Top Health Insurance Plans for Kids in UAE?
Let’s look at some of the best health insurance plans for kids in UAE —
Name of the Health Insurance Plan for Child in UAE
Medical Cover
Key Inclusions
Pharmacy Limit
D-Med (HSB) by Orient Insurance
AED 150,000
Maternity cover
Emergency treatments
Ambulance service
Physiotherapy treatments
Diagnostics
Up to AED 1,500
Ecare Blue by Dubai Insurance
AED 1,000,000
Chronic conditions
Newborn cover
Alternative medicines
Hearing and vision aid (in emergencies)
Up to AED 5,000
Safe by Sukoon Insurance
AED 150,000
Maternity cover
Diagnostic investigations
Daycare treatment
Accommodation costs for one parent
Up to the Medical Cover
Ecare Blue by Takaful Emarat
AED 150,000
Pre-existing and chronic conditions
Vaccination for children
Preventive services
Repatriation of mortal remains to home country
Up to AED 6,500
Dependent Enhanced 1 by Watania Takaful
AED 150,000
Emergency treatments
Prescribed medicines and drugs
Oncology
Laboratory tests services
Second medical opinion
Up to AED 1,500
How to Buy the Best Medical Insurance for Kids in UAE?
When looking to purchase medical insurance for kids in the UAE, your go-to platform for the same is Policybazaar.ae.
Known for its comprehensive coverage options and user-friendly interface, Policybazaar.ae presents the easiest way to compare and buy health insurance that is tailored to the needs of children.
Policybazaar UAE is known for its detailed breakdowns of policy features, benefits, and transparent pricing. Additionally, the platform offers excellent customer support to assist with queries and claims.
Steps to Apply for Medical Insurance for Kids via Policybazaar.ae —
Visit the Official Policybazaar.ae Website
Go to the Health Insurance Section
Choose the Type of Health Insurance: For family health insurance including children, click on ‘family with self’.
If you’re looking for individual health insurance for a child, select ‘family without self’.
Fill Out the Lead Form: This will give you insurance options as per your needs.
Comparison and Selection: You will be redirected to the health insurance quotes page where you can compare various plans from different insurers. You can compare features, coverage, and premiums to find the best plan as per your specific requirements.
AED 1 million Health cover starting @4/Day
How to Choose the Right Health Insurance Plans for Kids?
When choosing the right health insurance plan for kids, you should consider some important points —
The policy should provide a sufficient sum insured to cover all potential healthcare expenses for your child. This can help you avoid out-of-pocket costs.
Choose a policy that includes newborn baby cover since infants are highly susceptible to infections and the impacts of sudden environmental changes.
The policy should include the addition of extra coverage through add-ons, which can enhance protection based on your child’s specific health needs.
Review the exclusions of the policy carefully to cover all the healthcare services you consider essential for your child.
Read all terms and conditions of the policy before finalising the purchase. It will help you understand coverage details, the claim process, limitations, and any waiting periods involved.
Check the network of hospitals and clinics included in the policy to get access to paediatric care facilities that meet your standards.
Compare different insurance plans and providers to find the best value and coverage. You should also look at the customer reviews and ratings to assess the insurer's service quality and claim settlement efficiency.
What age does child health insurance cover start in the UAE?
In the UAE, health insurance coverage for a child can start from birth. Parents can add their newborn to their health insurance plan almost immediately after birth, often covered under the mother's insurance for the first 30 days.
Can I get health insurance just for my child, without including other family members?
Yes, you can opt for individual health insurance plans in the UAE. These plans cover just the child and provide similar benefits to family health insurance plans.
What should I check for in a child health insurance plan in the UAE?
You should look for coverage that includes vaccinations, regular paediatric visits, and emergency healthcare needs. Make sure the plan covers pre-existing conditions (if applicable) and check for any exclusions that might affect your child's care.
Is it mandatory to have health insurance for children in the UAE?
Yes, in many emirates like Dubai and Abu Dhabi, it is mandatory to provide health insurance for your dependents, including children. The coverage must at least meet the basic health insurance policy standards set by the government.
What happens if I do not renew my child's health insurance on time?
Failing to renew your child’s health insurance on time can lead to a lapse in coverage. In this case, any medical costs incurred during the lapse will have to be paid out of pocket. Additionally, there might be penalties for failing to maintain continuous health insurance coverage.
She brings over 4 years of experience writing in the finance and insurance space. Her goal is to simplify health insurance jargon, making it easy for readers to understand, compare and choose the right coverage with confidence.
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