Free Annual Health Check-up - What is it and How you can get one?

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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


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.

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