Health Insurance Fujairah

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As per the latest reports, health insurance is set to become mandatory in northern Emirates including Fujairah, Ras Al Khaimah, Ajman, Sharjah, and Umm Al Quwain. This enhancement in health insurance is expected to be initiated in the first quarter of 2023.  

With this development, it is crucial to understand the need for health insurance and the availability of health insurance in different Emirates. This article exclusively focuses on health insurance in Fujairah and the related information such as health insurance benefits, inclusions, exclusions, the process to file a claim, and much more. 

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

Overview of Health Insurance Fujairah

As mandated by the government of UAE, each individual residing in Fujairah will be required to get a health insurance policy. To make sure that you have the best health insurance plan for yourself and your family, it is necessary to be aware of the top offerings in the Emirate.

For Financial Protection, Choose Best Health Insurance Dubai, UAE

Best Health Insurance Fujairah 

Refer to the following table to know the best health insurance plans in Fujairah -  

Plan Name Medical Cover Pharmacy Cover Price
Adamjee Insurance -  Silk Road AED 1,000,000 Up to Medical Cover View Quotes
Takaful Emarat - Silk Road AED 1,000,000 Up to Medical Cover View Quotes
Dubai Insurance - Dubai Care N5 AED 1,000,000 Up to Medical Cover View Quotes
Noor Takaful Watania - Plan A AED 75,000 Up to AED 1,500 View Quotes
Sukoon Insurance - Safe AED 150,000 Up to Medical Cover View Quotes

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Types of Health Insurance in Fujairah

Here are the major categories of health insurance Fujairah -  

Individual Health Insurance 

Individual health insurance covers a single individual under the policy against hospitalisation and medical bills. All facilities within this insurance, including cashless claim settlement and reimbursement for treatment expenses, are only for the policyholder.  

Family Health Insurance 

Under a family health insurance plan, an entire family is covered. This type of health insurance includes policyholders, their families, spouse and children. Note that individuals can also insure their families with individual health insurance by purchasing separate policies for each family member. However, it may cost them more compared to a family health insurance plan. 

Group Health Insurance 

In this type of insurance, a large number of individuals get covered in the same contract. It is ideal for organisations and companies providing health insurance to their employees. Those covered under a group insurance policy get the same coverage irrespective of their age, occupation, and so on.  

Senior Citizen Health Insurance 

Senior citizen health insurance in UAE is a form of health insurance that provides coverage for medical, hospitalisation, and other healthcare needs of people over the age of 65. It is an affordable way for senior citizens to get access to quality care without having to pay for it out of their own pocket. This insurance covers a range of services such as doctor visits, hospitalisation, preventive care, prescription drugs, and more. 

Critical Illness Health Insurance 

Critical health insurance in UAE is designed to provide protection against the cost of unexpected medical emergencies or serious illnesses. It provides coverage for medical costs associated with hospitalisation, physician visits, and laboratory tests. It also helps insured individuals to pay for prescription drugs, home health care services, and other medical expenses. 

Features and Benefits of Health Insurance in Fujairah 

Discussed below are the primary features and benefits of health insurance offered in Fujairah -   

Direct or Cashless Treatment

Policyholders availing of treatment within network hospitals can avail of cashless claim settlement and have the insurance provider directly settle the bills with the hospital.  

Pre-Hospitalisation and Post-Hospitalisation Advantages

Health insurance Fujairah covers all the major pre-hospitalisation and post-hospitalisation costs. However, this service remains valid for a certain time period and with certain conditions.  

Transportation Expenses

This feature allows insured individuals to receive coverage for the cost of transportation to and from medical institutions or hospitals. 


Individuals who opt for out-of-network hospitals are not eligible to claim cashless treatment. They, however, get a reimbursement instead from their respective health insurance provider. Policyholders are required to pay all their treatment expenses in this case - afterwards, they can submit the invoices to their providers for reimbursement.  

Room Rent Benefit 

Insured individuals also get the benefit of room rent coverage. The concerned health insurance in Fujairah would cover the cost of hospitalisation/accommodation in this case. The policy documents usually mention the number of days the policyholder can get covered for.  

Free Medical Check-Up Coverage

Health insurance Fujairah plans also include free medical check-ups in their policies. However, policyholders must verify with their providers regarding the number of complimentary check-ups they can avail of.

Health Insurance Available in

Sharjah , Ras al Khaimah, Umm al Quwain , Ajman , Abu Dhabi, Dubai

Health Insurance Fujairah - Inclusions 

Refer to the points below to know the coverages included in most health insurance policies in Fujairah: - 

  • Declared existing health conditions 
  • Pre-hospitalisation and post-hospitalisation costs
  • Pharmacy-related costs
  • Health check-ups 
  • Diagnostic tests
  • Ambulance fees 

Health Insurance Fujairah - Exclusions 

Listed below are the treatments and hospital facilities that are not included in health insurance policies in the Emirate of Fujairah -   

  • Undeclared pre-existing health conditions 
  • Cosmetic surgeries
  • Injuries due to war or terrorism
  • Treatments included under obesity health programmes
  • Medical conditions or injuries resulting from self-harm or illegal activities 

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How to File a Claim for Health Insurance in Fujairah? 

The process of filing a health insurance claim differs in terms of the service type availed by policyholders. Individuals can primarily opt for network hospitals and out-of-network hospitals, depending on which they would have to complete the specific procedure to make a claim.  

The claim processes for both are as follows -   

Within the Network Hospital 

Network hospitals are basically healthcare centres and medical clinics that have tie-ups with health insurance companies based out of Fujairah. Policyholders opting for network hospitals can enjoy the benefit of cashless claim settlement for their treatment expenses. In this case, concerned insurance providers directly pay the hospitals.  

Network Hospitals 

Those who choose to have their treatment done through non-network hospitals and healthcare centres have to pay for their hospital-related expenses initially. Policyholders will then have to submit original invoices and other related documents (as mentioned in the policy agreement) to their respective providers. Upon successful verification, providers will make reimbursements for the claim amount.

Check out the Network Hospital List in Fujairah

How to Apply for Health Insurance in Fujairah?

You can conveniently secure yourself and your family by getting health insurance from Our platform offers the best insurance plans from the top providers in Fujairah in one place. On top of that, you can also avail of exclusive offers and discounts on your policies on our website. 

Here’s how you can apply for health insurance in Fujairah via our website -  

1.       Move to the ‘Insurance’ drop-down menu. 

2.       Select ‘Health Insurance’. 

3.       Provide all the required information to get to the health insurance quotes page. 

4.       Go through the available plans and select the most suitable one. 

5.       Click on ‘apply’ against the plan of your choice and complete the prompted steps.  

Take a glance at the Frequently Asked Questions (FAQs) below to find out more about health insurance in Fujairah! 

Frequently Asked Questions

How long do health insurance companies take to reimburse you in case you opt for an out of network hospital?

Generally, it takes up to 15-20 days for insurance providers to reimburse for claims. However, as this duration varies for each provider, make sure to verify with your respective provider first.

What is not covered under a health insurance Fujairah policy? 

The following are not covered in the health insurance plans in Fujairah - 

  • Injuries caused due to war or terrorism
  • Treatments included under obesity health programmes
  • Cosmetic surgeries
  • Medical conditions or injuries resulting from self-harm or illegal activities
  • Declared existing health conditions  
Which documents are required to claim health insurance in Fujairah?

You would need these documents to claim your health insurance Fujairah - 

  • Completed claim form
  • Health insurance policy documents
  • All invoices related to your claim
  • Any other supporting document (as stated by your provider) 

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