Health Insurance with Free Annual Health Check-ups
Health Insurance UAE Plans
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 NameCare Blue
Medical Cover (AED)250,000
Starting FromAED 5,185/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
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.
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 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
Health Insurance in Dubai offers numerous benefits such as financial cover for medical bills, critical illness coverage, cashless hospital treatment, etc. However, there is one benefit offered by health insurance that is rarely discussed and that’s ‘Free Annual Health Check-ups’. Let’s try to understand what exactly is this and how you can have one annually.
What is a free annual health check-up?
Many companies offering health insurance in Dubai provide free annual health check-ups to you if you have not raised a claim throughout the year. This benefit allows you to get tested for any underlying problems or hidden ailments that can become serious medical concerns if left untreated. The best part is that you do not of to pay anything for such annual check-ups. A health check-up will check the functioning of your body parts and organs such as kidney, liver, heart, etc. Besides, through regular annual health check-ups, you can also know your BMI and see if you need to make any changes. This is beneficial and important since it allows you to take a look at your current medical status and course-correct if needed. You can also keep a developing disease at bay simply by getting it diagnosed on time.
Importance of Health Check-up
Many people overlook this benefit of health insurance in Dubai and the UAE believing that they do not need a health check-up since they are feeling fine. However, we’ve compiled a list of reasons that’ll help you in understanding the importance of these free annual health check-ups in the UAE.
Early Diagnosis of an ongoing disease
Several diseases do not start showing symptoms until it is late. Regular annual health check-ups allow you to get your vital organs screened for early signs of a disease that might flare-up in the future. An early diagnosis of a disease will allow your doctors to treat it in the initial stage and help you get rid of any related complications. You can use your health insurance in Dubai to get an early diagnose for no cost.
Keeping track of lifestyle diseases
Lifestyle disease is like that iceberg that ended Titanic; you will not know that it exists until it hits you. Diseases like diabetes, high blood pressure, sugar, and other similar diseases are difficult to predict in absence of proper diagnostic tests. However, an annual health check-up measures your BMI to check the level of obesity that allows doctors to predict when you need to control your daily habits and prevent such diseases. With the free annual health check-up offered by your health insurance in Dubai, you can stay ahead of these lifestyle diseases.
Value for Money
The year of no claim on your health insurance in the UAE offers you no claim bonus. However, your health insurance in Dubai allows you to use your health insurance even without raising a claim to stay healthy by taking advantage of free annual health check-up facility.
Live Tension-free
An unforeseen disease can not only be physically but mentally and financially taxing for your entire family. Besides, once you have a serious illness, many people develop post-treatment trauma where they live in the fear that the disease might recur. Regular annual health check-ups offered with health insurance in Dubai ensure that you are aware of your current health status and live a worry-free lifestyle.
How to get free annual health check-ups?
Every insurance company offering health insurance in Dubai has its network centres for medical tests. To avail free medical check-up facility, you require calling the customer care of your insurance provider or visiting their branch personally to get an appointment and give samples. You can also mail your policy document to the insurance provider to avail of this facility. The company will acknowledge your mail and verify your policy documents. Once the documents are verified, you will receive an authorization letter from the company confirming that you are eligible for a free annual health check-up. The company can sometimes recommend certain medical centers where you can avail of this facility. Alternatively, you can visit a testing lab of your choice to get tested and get a reimbursement for the diagnostic tests later from your insurance provider.
What tests are covered in the Annual Health Check-ups?
The tests included in the health insurance in Dubai and the rest of the UAE are:
Blood Count Test
Blood Sugar Test
Cholesterol Check-up
Electrocardiogram (ECG)
PPBS (Postprandial/lunch blood sugar)
Urine Test
Am I Eligible for a free annual health check-up?
If you have health insurance in Dubai and you have not raised a claim on your health insurance in a year or two, you are eligible for a free annual health check-up. Generally, insurance companies offer free annual health check-ups at the end of one tenure. In case you have raised a claim in the year, the company may not offer you free health check-up. Talk to your health insurance provider to know whether you are eligible to avail of this facility and from where.
Best Health Insurance providers in the UAE
To receive free annual health check-ups you can consider these insurance providers:
ADNIC Health Insurance
Aetna Health Insurance
Al Sagar Health Insurance
Alliance Health Insurance
Aman Health Insurance
AXA Health Insurance
Cigna Health Insurance
Daman Health Insurance
DNIRC Health Insurance
MetLife Health Insurance
Noor Takaful Health Insurance
Oman Health Insurance
Orient Health Insurance
RAK Health Insurance
Salama Health Insurance
Sehteq Health Insurance
Takaful Emarat Health Insurance
Union Health Insurance
Watania Health Insurance
Conclusion
Free annual health check-up is a benefit just as important as any other benefit on your health insurance in the UAE. It allows you to stay on top of your health and stay clear of any underlying diseases or lifestyle problems that can ultimately lead to developing a serious health issue. If you have not raised a claim during a policy year you should definitely use this benefit to make the most of your health insurance in the UAE by keeping a track of your health.
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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