When it comes to settling down in the UAE as a married couple, one of the most important aspects to consider is health insurance. If you're newlyweds just starting your life together or long-time residents, having reliable medical insurance for your spouse is essential for legal compliance.
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 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 6,780/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
There’s a growing interest among residents to understand what options are available, what they cost, and how to go about securing the right insurance for wife in Dubai. Let’s find out more about all such aspects of health coverage for married couples in the country.
What is Health Insurance for Married Couples?
Health insurance for married couples in the UAE is a type of medical coverage that protects both spouses from high healthcare costs. It ensures that both partners have access to essential medical services such as doctor visits, emergency care, surgeries, medications, and maternity support. In exchange for premiums, the policy covers the medical expenses incurred by the insured individual related to the covered treatments.
While many employers in the UAE offer health coverage for their employees, it’s usually the responsibility of the husband to arrange medical insurance for wife in UAE, especially if she’s under his sponsorship.
Types of Health Insurance for Married Couples in the UAE
When looking for medical insurance for spouse in Dubai, it’s essential to understand the different types of health coverage plans available in the UAE. There are multiple tiers of plans to suit different needs and budgets — let’s understand them in more detail:
Basic Health Insurance Plan: This is the most affordable type of coverage and is usually designed to meet the minimum legal requirements. A basic plan covers essential healthcare services like general practitioner visits, emergency treatments, and select hospitalisations. However, basic plans often come with limitations such as a restricted hospital network and lower annual coverage limits. Also, referrals may be required to see a specialist, which means you need to visit a general practitioner first for a consultation and then get referred to a specialist if needed.
Semi-Comprehensive Health Insurance Plan: A step above the basic plan, this type of insurance for spouse in Dubai includes broader coverage such as maternity services, diagnostics, specialist consultations, and access to a wider hospital network. Semi-comprehensive plans are a popular choice among married couples who want full coverage without higher price for wife insurance in UAE.
Comprehensive Health Insurance Plan: As the name suggests, this is the highest level of medical insurance available. It offers extensive coverage including dental, optical, physiotherapy, chronic illness treatment, international coverage, and hospital services. These plans allow you to see specialists without a referral, giving you complete control over your medical care.
Benefits of Health Insurance for Married Couples in the UAE
Choosing the right health insurance can offer real, practical advantages that support a couple’s life and well-being in the UAE. Here are some noteworthy benefits that come with many plans under medical insurance for spouse in Dubai —
Coverage for Pre-existing and Chronic Conditions: Most of the plans now cover pre-existing and chronic conditions up to AED 150,000 annually — provided they're disclosed in advance. This is a big advantage for couples where one partner has an ongoing medical condition and needs regular treatment. It’s a standout feature for those searching for wife insurance Dubai that goes beyond the basics.
Cash Indemnity Option for In-Patient Treatment: Some policies offer a cash benefit (up to AED 200 per day) if hospitalisation costs aren’t billed directly through insurance. This means couples can get reimbursed even if they pay upfront.
Second Opinion and Global Emergency Services: A few plans under comprehensive medical insurance for wife in UAE include benefits like international emergency evacuation, second medical opinion, and assistance for travel mishaps like lost luggage. All of these are valuable perks if the couple travels frequently or prefers medical consultation abroad.
Maternity and Newborn Coverage: Nearly all mid to high-tier plans under insurance for wife in Dubai cover maternity services. This includes prenatal visits, delivery (normal and C-section), and newborn care up to 30 days from birth. This is particularly beneficial for young couples planning to grow their family. Some plans even include essential vaccinations and screenings as per Dubai Health Authority (DHA) standards.
Accommodation for a Family Member: A remarkable aspect of spouse insurance Dubai is that it is designed with emotional and family support in mind. One aspect supporting the claim is the accommodation for an accompanying member — many plans offer a daily allowance (usually AED 100–150/day) for an accompanying family member in case of serious illness or a child’s hospitalisation.
Routine and Emergency Dental Care: Some policies include outpatient dental coverage for procedures like fillings, extractions and root canals — something that’s often missing from low-cost plans. Emergency dental is more widely included, even in many offerings under basic insurance for wife in Dubai.
Teleconsultation and Virtual Doctor Services: A growing number of insurers now provide round-the-clock virtual access to doctors, including medication delivery and appointment booking within network hospitals. This is a practical feature, especially for working couples or spouses managing chronic illnesses.
Referral System That Encourages Cost Efficiency: In most semi-comprehensive plans under medical insurance for wife in UAE, couples are encouraged to first consult a general practitioner (GP). The GP can then issue a referral to a specialist if necessary. This referral model helps control unnecessary specialist visits and keeps premiums more affordable without compromising care quality.
Inclusions and Exclusions of Health Insurance for Married Couples
Some of the general inclusions and exclusions of health insurance for married couples are given below —
Inclusions
Exclusions
Pre-existing conditions (if declared)
Undeclared pre-existing conditions
Maternity coverage including delivery
Elective cosmetic procedures
Emergency ambulance and hospitalization
Non-emergency vision correction surgeries
Outpatient consultations and diagnostics
Dental care beyond emergencies (if not opted)
Cancer treatment under patient support programs
Infertility and sterilisation treatments
Newborn coverage for 30 days
Treatment by unlicensed or non-network providers
Dialysis and chronic illness treatment
Experimental or unapproved treatments
Mental health counselling (outpatient)
Professional sports injury treatments
Vaccinations as per DHA guidelines
Health services for travel or visa requirements
Factors to Consider While Choosing Health Insurance for Married Couples
Choosing the right health plan for yourself and your spouse is about making sure the coverage truly meets your needs. Here are the most important things to think about before you pick a policy —-
Coverage of Pre-existing Conditions: Some couples may have health issues that require regular treatment. Always check if medical insurance for spouse in Dubai includes pre-existing conditions and whether there’s a waiting period or a coverage cap.
Maternity and Newborn Benefits: If you're planning to start a family, maternity coverage is a must. Look for plans that offer coverage for prenatal checkups, delivery (normal or C-section), and newborn care. Many plans related to insurance for wife in UAE also include infant vaccinations and DHA-approved screenings.
Referral and Network Access: Some insurance policies require a general practitioner’s referral to see a specialist. While this can help control costs, it might delay urgent treatments. Check whether the plan allows direct specialist access or if referrals are mandatory. Also, review the hospital network — larger networks offer more choice and convenience for couples living in Dubai or other Emirates.
Outpatient and Emergency Care: Not all health issues require hospitalisation. Choose a plan that covers outpatient services like doctor visits, diagnostic tests, and prescribed medicine. Spouse insurance in Dubai should also include emergency care and ambulance services.
Cost of the Premium vs. Benefits: It’s tempting to go for the cheapest plan, but always compare what you're getting in return. Look at the health insurance price in UAE alongside benefits like dental, optical, physiotherapy and alternative treatments. Sometimes, spending a little more can save a lot in future expenses.
Claim Process and Support: Look for plans that offer easy claim processes — preferably with direct billing at hospitals and clinics. Good customer support also matters. It’s a relief when the insurer helps with approvals, queries, and emergencies without delay.
Yes, health insurance is mandatory for all residents in the UAE, including dependents. If your spouse is under your sponsorship, you must arrange medical insurance for wife in UAE to renew or apply for her residence visa.
Will my insurance cover my spouse’s cosmetic or dental procedures?
Cosmetic treatments are usually not covered unless they’re medically necessary (for example, after an accident). Basic dental care might be included in some policies under spouse insurance Dubai, but advanced treatments like braces or implants often require additional coverage or come with limits.
What happens if my spouse is pregnant when applying for insurance?
Pregnancy must be declared at the time of applying for wife insurance in Dubai. Some insurance providers may accept it with conditions and a loading charge, while others may exclude maternity coverage for existing pregnancies. Always ask the insurer about this before signing up for wife insurance in Dubai to avoid claim rejections later.
He has a content writing experience of over 6 years in academics, newspapers, and biography writings along with a Masters and M.Phil in History. A researcher at heart, he likes to read books, play games, and binge-watch. He seeks to garnish the driest of topics in humour whenever he can and believes in brevity and simplicity.
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