Health Insurance for Married Couples in the UAE

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  | Published: 18 August 2021 | Last Updated On: 24 August 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

A health insurance plan is an important component of married life. You work hard to earn and save money but an illness can easily rob you of your entire savings. With a health insurance plan in place, you can ensure that your savings remain intact while you and your family receive the best medical care in times of need.

Top Health Insurance for Married Couples

Plan Name Medical Cover (AED) Pharmacy Limit Price
Takaful Emarat - Silver 1000000 Up to AED 5,000
Orient UNB Takaful - Plan 5 1000000 Up to AED 5,000
Al Sagr - Steel 150000 Up to AED 1,500
Adamjee - Silk Road - Plan A 1000000 Up to Medical Cover
See More Plans >>>

Marriage and Health Insurance

With marriage, both your fate and your finances get connected to your spouse. It does not matter who falls sick, the brunt is borne by both, sometimes even by the kids. Therefore, once you are married, finding the best health insurance for married couples in the UAE must be on your priority list.

What kind of Health Insurance should we purchase?

There is no specific health insurance plan for married couples in the UAE but you can consider purchasing family floater health insurance plans, an ideal choice for a married couple in the UAE.

Why should you opt for family health insurance when you’re married instead of having separate policies?

If you both have separate health insurance plans, this must be the first question in your mind. There are several reasons why you should get family health insurance for married couples in the UAE.A few of them are listed below:

Lower average health insurance cost for married couples

When you have separate health insurance plans, you pay a premium for each insurance separately. The average cost of an individual health insurance plan for a 30-year-old male is around AED 1800. However, a health insurance plan for a 30-year-old female is around AED 2900. On the other hand, the average cost of the health insurance plan for a married couple of the same age is AED 4100 which means that you save more money on purchasing a family health insurance for married couples since the average cost of health insurance for married couples in the UAE is lower than the average cost of health insurance for individuals.

Ease of adding another member

Sometime after the marriage, having another child will be a part of your marriage goals. You might have purchased a health insurance plan that did not cover maternity expenses. As a married person, you’ll most likely plan for a child and your health insurance plan will require tweaks accordingly. Customised Health insurance for married couples in the UAE allows you to add a family member without any additional premium as long as the insured cover remains the same. This saves you a lot of money on health insurance.

Higher coverage

One of the most attractive benefits of health insurance for married couples in the UAE over separate individual plans is the sum covered. When you purchase health insurance, you have a limited amount of cover at the given premium. However, family health insurance for married couples in the UAE increases the range of insured sum since the premium is collected for two members. More importantly, the covered sum can be entirely used by one member in the policy if needed. 

For better clarity, let’s take an example. Let us say that you are a female who purchased an individual health insurance policy that costs you AED 3420 or a male with a health insurance premium of AED 1586. The medical cover offered in both cases is AED 150,000. However, if you chose to purchase a family health insurance plan for a married couple in the UAE, the premium will be AED 4143 and the medical cover will be AED 1 Million which can be used by both the members included in the policy or just by one if the need arises.

What factors should you consider before purchasing health insurance for a married couple in the UAE?

Since you are purchasing a health insurance plan that not only concerns you but your spouse as well, you should consider the health of your spouse and future family planning while purchasing health insurance for a married couple in the UAE.

Critical Illness Cover

The insurance company asks you about your family history before deciding a premium because your family’s medical history plays an important role in determining your tendency to contract a serious illness. While your family’s medical track record may be clear, your spouse may have a medical history of diseases that may pass genetically like diabetes or Parkinson's, etc. Therefore, before purchasing health insurance for married couples in the UAE, you should consult each other to know about your medical history. In case either of you is prone to critical illness, add critical illness to your health insurance plan.

Maternity Benefits

Whenever you plan to have a child, you will have to make sure that you get a plan that covers maternity bills. It is important to make sure that the health insurance plan for a married couple is offering pre and post-maternity benefits for up to 90 days. 

Mental Illness

In some cases, you or your partner may suffer from post-partum depression (Yes, men too suffer from post-partum depression). Therefore, it is important to make sure that your health insurance for a married couple in the UAE includes cover for mental illness or depression as well. Besides, the stress of life can sometimes push you or your partner to the cliff. While you will have each other, sometimes you require professional help or intervention. Having mental illness cover in your health insurance for married couples in the UAE will ensure that you can afford therapy to find a solution for mental illness

Hospital Network

While purchasing health insurance for married couples in the UAE you should consider the hospital networks of health insurance providers. The network hospitals offer you hassle-free cashless treatment. Also, you should keep in mind that once your family grows, you might shift to another city or place. Therefore, you have to consider network hospitals not only in your location but all over the UAE. It might help to check the density and coverage area over numbers to find the health insurance for a married couple in the UAE with a wider network hospital base.

Investment Plans

When you are making investment plans, purchasing a health insurance policy is one of the important matters. You need to consider your investment plans to see how health insurance for a married couple in the UAE will fit into your planning. For instance, whether taking a few add-ons such as cash benefits will benefit you more. Do not take the approach of paying less for health insurance, consider the premium and medical coverage ratio to find the health insurance for married couples in the UAE that will complement your investment plans perfectly.

Claim Settlement Ratio

At times you will find an insurance provider with an attractive premium and medical coverage ratio. You may be tempted to purchase a health insurance plan. However, before giving in to the temptation, compare the health insurance plans on our website. Also, check the claim settlement ratio to establish the credibility of the insurance provider. This is the best way to find out the claim settlement ability of the company. Checking the claim settlement ratio lets you know whether the company is reliable or not that is why before purchasing health insurance for married couples in the UAE you should always check the claim settlement ratio.

Conclusion

Marriage comes with a lot of responsibility and increased expenses and with health insurance for a married couple in the UAE, you can save money on health insurance in the UAE. Many health insurance providers in the UAE will allow you to purchase health insurance for a married couple in the UAE. With so many insurance providers, finding the perfect health insurance for married couples in the UAE can be a little challenging but with PolicyBazaar, it’s a cakewalk. Here you can use the expertise of our platform to find the most suitable health insurance for a married couple in the UAE. All you need to do is:

  • Visit our health insurance page
  • Fill in the e-form
  • Specify details of your health insurance requirement and details of your spouse
  • On the next page, you will receive quotations for health insurance for married couples in the UAE
  • Select the most suitable plan
  • Enter medical history and other details asked for
  • Pay the premium
  • Receive your policy document in a few minutes