Health Insurance

Health insurance is a type of insurance that covers the cost of medical treatment. It offers financial security in case of medical emergencies, critical illnesses, and more, reducing the out-of-the-pocket expenses. Insurance plans can help to pay for a wide range of medical services, including hospital stays, surgeries, doctor's visits, and medications. Some health insurance in the Dubai, UAE plans also cover preventive care, such as regular check-ups and immunizations. In general, the main function of insurance is to protect individuals and families from the high cost of medical care, ensuring that they can access the care they need without financial hardship. more



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Health Insurance UAE

Insurance is vital for well-being, and before buying health insurance in UAE, everyone should know what health insurance is and why it's essential.

What is Health Insurance?

Health Insurance can be considered a safety net that helps you navigate through unexpected medical expenses. Apart from being a mandatory requirement, health insurance Dubai protects you from the high costs of medical bills and treatments. This helps in reducing the financial burden of paying for expensive medical treatments out of pocket and protects you and your family against financial loss due to unexpected health issues. From routine check-ups to major surgeries, an appropriate insurance plan will cover all your medical needs under one roof!

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Key Features of Health Insurance

Here are the prominent features of health insurance UAE -

Health Insurance Features

Health Insurance UAE Coverage

Geographical Coverage

Worldwide/ Worldwide excluding the USA and Canada/ UAE + Home Country/ UAE

Laboratory and Diagnostic Tests

Covered (subject to co-payment at times)



Physiotherapy Treatment


Alternative Medicine


Cancer Treatment

Covered as per the terms, conditions, and exclusions mentioned in the program by DHA

Vaccination for Children


Pre-Existing Medical Conditions

Covered - subject to a waiting period of 6 months if you purchase a new health insurance plan

Undeclared medical conditions are not covered;

Maternity Cover

Covered - undeclared pregnancy is not covered during the policy period

Hearing and Visual Aids

Covered (can be subject to coinsurance)



Emergency Ambulance Services


Daycare Treatment


Outpatient Benefits


Neonatal Care


Medical Expenses for Injuries Related to Road Accidents




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Types of Health Insurance in the UAE

In the UAE, health insurance plans can be differentiated based on various factors such as the type of coverage provided by the insurer, network of healthcare providers, premium amount, deductible amount, maximum coverage limit, and more. You can choose the health plans as per your requirements and budget after considering all the factors.

Depending on the coverage, we can classify the UAE health insurance plans as follows – 

  • Individual Insurance: As the name suggests, individual health insurance Dubai is the plan for individuals (covering a single person) against hospitalisation expenses and medical bills. You can opt for an individual health insurance plan to provide medical coverage to yourself, your partner, your children, or your parents.  
  • Family Insurance: This type of plan is designed to provide coverage for multiple members of the family, generally including you, your spouse, and your dependent children. The premiums of UAE family health insurance plans are based on the factors such as the age of family members, the level of coverage chosen, and more.
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  • Group/Employee Insurance: Group health insurance coverage is offered to a group of individuals, generally employees of a company or organisation. These plans are offered by an employer as a benefit to their employees and cover a wide range of medical expenses including doctor visits, prescription medicines, and more. It’s worth noting that group health insurance plans are generally less expensive compared to individual health plans for each member.
  • Senior Citizen Insurance: Senior citizen health insurance Dubai provides medical coverage to individuals who are over the age of 65. These plans are more affordable and accessible for senior citizens and provide financial protection in case of illness or injury. This specifically-designed medical insurance policy offers comprehensive medical coverage for older individuals and covers their healthcare needs.
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Benefits of Health Insurance in Dubai, UAE

The primary motive of health insurance is to protect your funds from being swept out in medical emergencies during the tenure of your health policy. With an appropriate health plan, you can protect your health and that of your family members from unexpected medical situations and prepare you to deal with health-related risks in advance.

The top reasons for buying UAE health insurance policies are listed below – 

Cover for Medical Expenses

A health insurance UAE policy covers medical expenses by paying a portion of the cost of covered health care services directly to the medical facility or by reimbursing the policyholder for their out-of-pocket expenses. The specific amount of coverage provided by health insurance depends on your insurance plan of health and the level of coverage chosen. 

Common health insurance coverage benefits include the following – 

  • In-Patient Hospitalisation Expenses: These costs are associated with staying in a hospital as an in-patient, generally for more than 24 hours. In-patient hospitalisation is required for severe medical conditions that may require extended medical care and monitoring like chronic illnesses, surgeries, injuries, and more.
  • The cost of staying in a hospital can be considerably high and include the charges for hospital rooms and meals provided to the patient, medical surgeries, medications, diagnostic procedures, and more.
  • Pre-Hospitalisation Expenses: These expenses refer to the costs incurred for medical treatments, investigative tests, and other procedures received prior to in-patient hospitalisation.
  • Generally, in-patient hospitalisation expenses are incurred in the days or weeks leading up to planned and unplanned hospital stays and are associated with the illness that is the reason for your hospitalisation. Some general costs related to pre-hospitalisation include doctor visits, diagnostic tests, and prescription drugs before surgery or hospitalisation.
  • Post-Hospitalisation Expenses: Post-hospitalisation coverage covers the medical costs incurred after a hospitalisation, like follow-up doctor visits, treatments and more. This coverage starts from the hospital discharge date and lasts for a specified period, generally up to 60 days. 
  • Daycare Expenses: These types of expenses, generally not requiring a 24-hour stay in the medical facility, also include minor surgeries like ear surgery, cataract surgery, and so on. You can review your health insurance policy and see to what extent daycare expenses are covered.

Cashless Claim Benefit

Cashless UAE health insurance claim is a valuable benefit offered by most medical insurance providers. This will help you receive medical treatments without paying for them upfront at a network hospitals - the provider would pay the hospital bills directly. 

A notable benefit of cashless claims is the convenience that they offer. You can take advantage of this benefit when you don't have enough funds to pay for medical treatment. Another added advantage is that this benefit is that it simplifies the claim process and reduces the paperwork.

Cover for Critical Illness

Health insurance provides financial support in case the policyholder is diagnosed with a critical illness. Critical illness diseases may include cancer, heart attack, major organ failure, stroke, and more. Health insurance can help you manage the financial pressure in such cases by providing a financial safety net. 

Free Health Check Up

Free health check-ups in health insurance UAE refer to a benefit offered by some health insurance companies where you can receive a complimentary health assessment at regular intervals, typically once a year.

This benefit is designed to encourage policyholders to maintain their health and identify any potential health issues early on, so they can be addressed before they become more serious. The health check-ups typically include a range of tests and assessments to assess the policyholder's overall health including blood tests, cardiovascular assessments, and checks for chronic conditions such as diabetes and high blood pressure.

Coverage for Pre-Existing Diseases

Several health insurance policies in Dubai provide coverage for pre-existing diseases after the waiting period is over. Depending on the health insurance company and your policy, the waiting period varies - most health insurers generally have a waiting period of 60 days or more

Keep in mind that disclosing any pre-existing conditions when applying for a health insurance policy is crucial, as failing to do so may lead to the denial or rejection of the claim.

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Top Reasons to Buy Health Insurance Dubai & UAE

Apart from the legal requirement, there are several other reasons why buying health insurance Dubai is important for you - 

  • Health insurance plans cover major medical expenses such as those related to doctor visits, diagnostic tests, hospitalisation, and more
  • Offers financial security to the insured individual and their family by covering the medical treatment costs
  • Ensures peace of mind and security
  • Provides free medical check-ups at regular intervals
  • Covers pre-existing medical conditions
  • Provides funds for emergency medical cases

Health Insurance UAE Plans Inclusions & Exclusions

  • Inclusion

  • Exclusions

While the benefits and coverage options of health insurance policy vary as per the policy and the insurance provider, here are some standard coverage options that you can find in health insurance UAE:

  • In-patient care: This covers the cost of hospitalisation including room and board, medical treatment, surgeries, and emergency care.
  • Outpatient care: This covers the costs of medical consultations, diagnostic tests, laboratory fees, and prescription medications that do not require hospitalisation.
  • Maternity care: This covers the cost of prenatal care, delivery, and postnatal care.
  • Dental care: Some health insurance plans offer optional dental coverage including routine dental exams, fillings, and other dental procedures.
  • Vision care: Some health insurance policies offer optional vision coverage that includes eye exams, eyeglasses, and contact lenses.
  • Prescription medications: This covers the cost of prescription medications prescribed by a doctor.
  • Emergency care: This covers the cost of emergency medical care, including ambulance services and emergency room visits.
  • Specialist consultations: This covers the cost of consultations with specialists, such as cardiologists, neurologists, and paediatricians.

It's worth noting that not all policies cover all of these benefits and that coverage options may vary depending on the insurance provider and the policy you choose.

Similar to the inclusions, the specific details of what is not covered in health insurance plans in the UAE vary depending on the provider and the particular plan. However, the standard exclusions for the plans are as follows -

  • Undeclared pre-existing medical condition
  • Waiting period
  • Injuries due to the following -
    1. Suicide attempt
    2. Illegal acts
    3. Professional sports
    4. Hazardous activities
    5. Natural disasters
    6. Terrorism and war
    7. Military activities and training
  • Terminal illnesses like AIDS
  • Cosmetic treatment
  • Fertility treatments
  • Experimental treatments
  • Non-allopathic treatment
  • Non-emergency medical services received outside the UAE

Know All About the In-Patient VS Out-Patient in Health Insurance

Documents Required for Health Insurance in UAE

If you are applying for a UAE health insurance policy online, the requirement for documents is minimal. Given below is the list of documents required for the health insurance Dubai, UAE application process

  • Sponsor Passport Copy (Front Page)
  • Sponsor Visa Page
  • Sponsor Emirates ID
  • Applicant (Dependent) Passport Copy (Front Page)
  • Applicant (Dependent) Visa Page
  • Applicant (Dependent) Emirates ID
  • Medical Application Form (MAF)
  • BOR (if insured from another broker)
  • Previous Proof of Insurer Needed

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Benefits of Buying UAE Health Insurance Plans Online & Get Quotes

While the UAE healthcare sector extends several facilities to the residents, it can be still expensive to avail of medical care. This is where the need for health insurance in Dubai arises, as this can help you get the necessary medical care at affordable premiums.

Buying health insurance policies online is advisable to avoid standing in long queues and getting lower premiums. Some other striking benefits of buying insurance plans online in UAE are listed below

  • You can buy health insurance Dubai plans online from the comfort of your home and anytime without visiting the insurance company or agent.
  • A health insurance policy online simplifies and speeds up the process of buying health insurance UAE. This also eliminates the need for a face-to-face meeting, reducing the time it takes to purchase the policy.
  • You can compare plans online from various health insurance providers, making it easier to find a policy that fits your budget and requirements.
  • One of the remarkable benefits of online health insurance Dubai portals is that they provide clear and detailed information about the policies, including their coverage, premiums, exclusions, and more. Consequently, you can make a better-informed decision.
  • Another advantage of buying health insurance Dubai online is that the entire process  - from filling out the application form to making the payments - is digital and reduces the need for physical paperwork.
  • Buying health insurance in UAE online can be cheaper compared to buying offline. This is because several insurance companies only offer discounts and rewards on the online portal
  • The policy will be issued instantly when you buy health insurance online. All you need to do is key in the required details like the insured name, age, medical history, and more.
  • Online health insurance portals often have mechanisms in place and use encryption technology to protect your personal and financial information during the transaction process. Thus, buying UAE health insurance online is safe, secure and convenient.
  • Considering the above factors, the most significant benefit of buying a UAE health insurance policy online is that you can make informed decisions. You can quickly check the claim settlement ratio of the health insurance company, read the reviews of existing customers, explore and compare the features, and do more before going with an insurance provider and policy.
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Calculate Your Health Insurance Premium


Factors Affecting Premium of Health Insurance in Dubai, UAE

The following are the factors that affect your health insurance premium in the UAE -

  • Age - The best time to purchase a health insurance plan is in your early 20s or 30s. It is because you tend to remain active and healthy at this age, which results in reduced insurance premium costs as there are fewer chances of filing an insurance claim.
  • Body Mass Index (BMI) - This is the most common way to assess a person’s physical fitness. A higher BMI implies greater health risks and susceptibility to diseases like heart ailments, joint pains, and breathing issues. This, in turn, may tend to increase the health insurance premium.
  • Pre-Existing Medical Conditions - These are the medical conditions that are usually diagnosed 48 months before purchasing an insurance policy. Even high blood pressure and thyroid problems are also considered pre-existing medical conditions.

People with existing diseases have serious health concerns and are likely to face even more serious issues later, due to which the health insurance premium tends to increase in their case. 

  • Lifestyle Habits Like Smoking - Smoking, without a doubt, is injurious to health and can cause serious health conditions like lung infection, cancer, infertility, and more. As this increases the chances of filing claims, insurers tend to charge a higher premium.
  • Profession - In comparison to regular office workers, personnel working in factories or manufacturing units are required to pay a higher insurance premium. This is because there are higher chances of getting injured or sick for individuals employed in factories compared to the former.
  • Riders - Riders or add-ons are optional and additional benefits that you can avail of to get extended coverage by paying an additional premium. This naturally increases the overall premium - the more add-ons you include, the higher will be the premium.

Average Premium of Health Insurance Dubai, UAE

The premiums of UAE health insurance vary as per various factors such as the level of coverage, age, medical history, and the type of insurance plan chosen. However, you can check the average health insurance UAE premium below – 

  • For Individual Health Insurance in Dubai: The average health insurance cost in Dubai for individual health plans is around AED 10,000 per annum.
  • For Family Floater Plan in Dubai: The family health insurance uae cost of a basic cover for four members is approximately AED 17,000 per annum. 
  • Comprehensive Health Insurance in Dubai & Abu Dhabi: The premium for comprehensive health insurance Dubai, Abu Dhabi, and all other major cities of the UAE can fall in the range of AED 5,500 annually for expatriates to AED 33,500 for a family of four members.
  • Joint Medical Insurance: The average annual premium for a couple opting for a joint medical insurance policy is around AED 46,324 per annum.

Note: The prices and premiums of health policies are subject to change and can vary as per the age, medical history, coverage level, and other factors. It is advisable to seek professional advice to get the most accurate and up-to-date information on the costs and coverage of medical insurance policies before making any decisions or purchases.

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Choose Best & Cheapest Health Insurance Dubai & UAE 2023

Dubai's thriving healthcare industry offers a wide range of medical insurance options from various providers. These insurance companies provide health insurance policies designed to cater to the diverse healthcare needs of individuals and families in Dubai.

Some of the best health insurance companies in Dubai are listed below

Health Insurance Companies


Sukoon Health Insurance

  • Provides a wide array of health insurance policies for you, your family, and domestic help
  • Covers a wide network of more than 500 hospitals or clinics and about 1,500 pharmacies 
  • Direct billing
  • Coverage for pre-existing and chronic medical conditions - no waiting period for previously insured members
  • Full coverage across all the Emirates except Abu Dhabi
  • Premium starts at AED 560 per year with unparalleled coverage and benefits
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Dubai Health Insurance

  • Covers basic services like -
    1. Medical examination, treatment, and diagnostic services
    2. Radiology diagnostic services
    3. Cancer screening and treatment
    4. Laboratory tests
    5. Vaccines and immunisations
  • Geographical coverage - Covered in Dubai and Northern Emirates
  • Covers maternity benefits - both inpatient and outpatient
  • Direct billing within the network
  • Emergency and life-threatening cases covered outside the network
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Takaful Emarat Health Insurance

  • Prescribed drugs covered for up to AED 15,000
  • Up to 20 physiotherapy sessions covered per annum
  • Dental benefits with direct billings at network providers for up to AED 3,000
  • Optical coverage of up to AED 1,500 (optional)
  • Geographical Coverage - Worldwide or UAE (inpatient only in the Indian subcontinent and Southeast Asia excluding Japan, Hong Kong, Japan, Thailand, Taiwan, and Singapore)
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Orient Health Insurance

  • Provides multiple health insurance plans with a wide range of networks
  • Provides inpatient cover, worldwide cover, emergency medical evacuation and repatriation cover, outpatient cover, regional cover, and repatriation cost cover
  • Customisable plans to meet your requirements
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Cigna Health Insurance

  • Cover for pre-existing medical conditions up to the medical annual limit
  • Clinical case management to help the insured find the right healthcare path
  • Round-the-clock expert multilingual support
  • Inpatient and outpatient hospital treatment and accommodation
  • Covers dental care, eye check-ups, preventive tests, counselling sessions, and more
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Hayah Health Insurance

  • Offers 6 comprehensive health insurance plans under three categories of geographical coverage - Regional, Worldwide, and International
  • Monitored by Dubai Health Authority (DHA)
  • Inpatient and outpatient benefits
  • Coverage for pre-existing and chronic conditions
  • Hospital accommodation and services, treatment, radiology, surgery, anaesthesia, and more
  • Maternity and newborn cover, alternate medicine, dental and optical, physiotherapy, and more
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Salama Health Insurance

  • Direct billing network - Offers direct billing network from more than 900 insurance providers within the UAE
  • International emergency medical assistance, including ambulance charges - covered within all emirates in the UAE
  • Quick, convenient, and seamless medi-claim settlement procedure.
  • The company offers flexible and affordable healthcare plans for individuals and domestic help with exclusive benefits
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Watania (Noor) Takaful Health Insurance

  • Comprehensive health plans that protect you and your family
  • Professional team that guides you through the application process
  • Benefits include treatment in the home country, coverage in case of personal accident, accidental death, maternity and childbirth and more 
  • The plans are DHA accredited 
  • The network covers more than 1,600 medical care centres.
    Check Plans Details

Daman Health Insurance

  • Comprehensive health insurance plans for you, your family, and domestic help
  • The plans offer access to over 3,000 network hospitals, clinics, and pharmacies.
  • Flexibility to include riders
  • The plans offer inpatient, maternity, outpatient, and emergency services.
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ADNIC Health Insurance

  • Offers a wide array of comprehensive health insurance plans with domestic and international coverage. 
  • Plans include - SHIFA, EBP, and HALA
  • The insurance provider has an extensive medical network of over 3,000 hospitals and pharmacies.
  • Easy access to the top medical professionals for diagnosis and treatment
  • Coverage for medical emergencies while travelling
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RAK Health Insurance

  • Offers comprehensive health insurance plans that offer extensive medical coverage both internationally and locally
  • Covers inpatient, outpatient, and emergency medical situations
  • Coverage for medical evacuation and repatriation
  • The company has partnered with Assist America and TruDoc
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Health Insurance TPA - Third Party Administrator in UAE

Health Insurance Riders

Health insurance riders are optional benefits that can be added to your insurance policy to customise coverage for specific healthcare needs or situations. Health insurance companies typically offer them as a way for you to tailor your health insurance policies to better meet your unique healthcare requirements.

The common UAE health insurance riders include the following – 

  • Maternity Coverage:  As per the Dubai Health Authority (DHA) regulations, maternity coverage is mandatory in all health insuracne plan. However, you can opt for this rider and extend the benefits already provided in your policy.
  • Dental or Vision Coverage: As some health insurance Dubai policies do not include dental or vision coverage, a rider can be added to provide coverage for these services.
  • Geographical Coverage Extension: With the help of this rider, you can increase the geographical coverage area of your policy. Some popular geographical coverage extensions include worldwide cover, gulf region extension cover, and more. 

You can contact the concerned insurer or our customer representative team to get the required add-on on your health insurance policy. 

How to Calculate Health Insurance Premiums?

Calculating health insurance premiums in the UAE generally involves several factors that are considered by insurance providers. Here are some of the key factors that can affect the insurance premium in the UAE:

  • Age: In general, older individuals have higher premiums than younger individuals as the former may be more likely to require healthcare services. Thus, buying UAE medical insurance at a young age is recommended.
  • Health Status: An individual's health status can impact the cost of health insurance premiums. Individuals with pre-existing conditions or a history of health issues may be charged higher premiums. 
  • Medical History: Another key factor affecting health insurance premiums in UAE is your medical history. This can include lifestyle-related health risks, your family's medical history, and more. If your medical record indicates that you are more likely to fall sick and can catch disease easily, your insurance premium would be high.
  • Gender: In some cases, insurance companies may charge different premiums based on gender due to differences in healthcare usage and risk factors.
  • Type of Plan: The type of health insurance plan selected can impact the cost of premiums. For instance, a plan with a higher deductible may have lower premiums than a plan with a lower deductible.
  • Policy Tenure: The policy tenure, or the length of time that a health insurance plan is in effect, also impacts the health insurance plan premiums. If you select a policy with a longer duration, the health insurance premium will be low on average and vice-versa.
  • Coverage limits: The amount of coverage provided by a medical insurance plan can impact the cost of premiums. Plans with higher coverage limits usually have higher premiums than plans with lower coverage limits.
  • Geographical Location of Policyholder: Your geographical location is another factor affecting your health insurance premiums in the UAE. For some specific geographical locations, the health insurance premium is high due to a deficiency of healthy food options, health, climate issues, and more. 
  • Lifestyle: In case you regularly drink or smoke, the probability of paying an extra premium on your medical insurance is substantially high. 

To calculate UAE health insurance premiums, it is best to compare the quotes from several health insurance providers. On, you can compare health insurance plans online based on your specific needs and circumstances from different providers in one place. 

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Eligibility to Buy UAE Health Insurance Plan

The eligibility criteria to buy health insurance  UAE plans may vary depending on the insurance provider and the specific plan. However, some common eligibility criteria include the following:

Eligibility Criteria


Age Criteria for Adults

18 Years - 60+ Years

Age Criteria for Dependent Children

Birth - 17 Years

Pre-Existing Health Condition Waiting Period

Minimum 6 Months

Criteria for Age

In the UAE, the entry age requirements for health insurance vary for adults and children. Adults between the age of 18 and 99 years can avail of health insurance coverage. On the other hand, children can get covered from birth till the age of 17 years.

Pre-Existing Disease Waiting Period

In the UAE, there is a minimum of 6 months waiting period for pre-existing diseases for health insurance plans. However, the tenure may vary for each health insurance company, plan, health condition, and more.

Make sure to carefully review the eligibility criteria for any health policy you are considering to ensure that you are eligible and avoid any potential issues with your coverage.

Compare Health Insurance Dubai Policies Online is an ideal platform on which you can explore, compare, and apply for the appropriate health insurance plan. You can compare health insurance on Policybazaar UAE by following the listed steps – 

  • Visit and go to the 'Health Insurance' section from the dropdown menu.
  • Fill out the lead form with the required details that pop out on the screen.
  • Once you submit the lead form, you will be redirected to the ‘Health Insurance’ quotes page.
  • You can look at the plans and check their features, benefits, exclusions, pharmacy limit, medical coverage, premium costs, and more.
  • Shortlist the plans listed on the page suiting your needs.
  • You can easily compare the plans as per their inclusions, exclusions, and more.

Using Policybazaar UAE to compare medical insurance plans can help you save time, money, and effort and make an informed decision about your health coverage insurance.

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Health Insurance Claim

There are two types of insurance claims of health in the UAE – Cashless Claims and Reimbursement Claims. The former allows you to receive medical treatment or facility without paying out of pocket, as the concerned health insurance provider will pay directly for the healthcare or medical facility. On the other hand, the latter type of claim requires you to pay for the medical treatment or services upfront and submit a claim to the insurance provider for reimbursement later.

How to File a Health Insurance Claim?

Let’s discuss in detail how you can file a health insurance Dubai claim - 

Cashless Claim or Claim Made Within The Hospital Network

  • If your insurance provider has a network of hospitals, choose a hospital from the network where you can go for your treatment.
  • Inform the insurance company that you need to make a cashless medical claim so that they verify the claim and other details.
  • Once you reach the hospital, show your medical card and fill out the specified forms such as the pre-authorisation form, third-party authorisation form, and more.
  • The concerned medical facility will forward the forms to your insurer for cashless claim approval.
  • Meanwhile, provide the required documents to the hospital like your identity proof and KYC documents at the third-party admission counter in the hospital. Keep in mind You may require submitting additional documents if required. 
  • The insurance provider will review the forms and determine whether the treatment requested is covered by your UAE medical insurance policy.
  • If the request is approved, the insurance provider will issue an authorisation letter to the hospital. You can then receive the treatment at the hospital without paying upfront.
  • If any expenses are not covered by your policy, such as deductibles or copayments, you will need to settle these directly with the hospital.

Reimbursement Claim or Claim Made Outside the Hospital Network

  • First, you receive medical treatment from a healthcare provider or hospital of your choice. Keep in mind that you will have to pay for the treatment out of your own pocket.
  • Generally, you would be required to file a reimbursement medical insurance claim within 30-120 days of discharge from the hospital. You must contact your insurance provider and get the exact same details.
  • The next step is to collect the required documents like medical reports, medical bills, and receipts of the treatment received. The insurance provider may have specific requirements for the required documents.
  • Once you have collected all the required documents, go to the official website of the concerned insurer and navigate to the claim form section. Fill out the claim form and upload the documents. 
  • The insurance provider will start its investigation and review process of your medical claim submission.
  • Once the claim is approved, the insurance provider will reimburse you for the covered amount.

Documents Required for Health Insurance Claim Reimbursement

Keep the following documents ready while filing a health policy claim reimbursement – 

  • Duly filled and signed medical claim form
  • Hard copy of your medical insurance policy and other details of insured
  • Consultation papers provided by the medical facility
  • All diagnostic tests’ reports like CT scans, blood reports, X-Ray, and more
  • Invoices of the medical bills along with the prescription report
  • Discharge papers
  • Banking details of  the policyholder
  • All other required documents asked by the insurance company
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How to Buy Best Health Insurance Plans Online from Policybazaar UAE?

With the rising cost of healthcare, having a comprehensive health insurance plan is crucial to safeguard yourself and your family against unforeseen medical expenses. Policybazaar UAE offers you the most convenient way to buy health insurance online dubai with a user-friendly interface. 

You can use our platform to compare health insurance policies, premiums, and features before making an informed decision. With a wide range of options to choose from and expert guidance available at every step of the way, Policybazaar UAE makes buying health insurance a seamless and transparent process.

Follow the steps given below to buy health insurance UAE plans via Policybazaar UAE

  • Step 1: Visit the official website of Policybazaar UAE
  • Step 2: Fill out an online form with all the specifications to get health insurance quotes for Dubai
  • Step 3: You’ll be presented with a list of health insurance plans designed to cater to a variety of needs and budgets
  • Step 4: You can compare and choose the plan that best fits your requirement and budget.
  • Step 5: Upload the specified documents like your passport, visa, and Emirates ID.
  • Step 6: You will be redirected to the new page where you can find the key features of the chosen plan, premium breakups, and more
  • Step 7: Our concerned customer representative will contact you and help you buy the right health insurance Dubai policy.

Common UAE Health Insurance Terms

Given below is some health protection jargon that you should be aware of – 


Deductibles refer to the amount of money that a policyholder is required to pay at a medical facility before the insurer starts covering the costs of healthcare services. By requiring policyholders to pay a certain amount out of pocket before the insurance company steps in, deductibles help keep insurance premiums more pocket-friendly for everyone.

For instance, if you have a health insurance Dubai plan for AED 1,000,000 and incur a medical bill of AED 1,200,000, you would be required to pay AED 200,000 out of your pocket to settle the bill. Afterwards, the insurance company will cover the remaining AED 1,000,000 of the bill, subject to the terms and conditions of the policy.


Co-payment is a cost-sharing arrangement between the policyholder and the insurance company where the policyholder agrees to pay a percentage of the medical expenses out of their own pocket while the insurance company covers the remaining percentage of the cost.

For example, if a health insurance Dubai plan has a co-payment of 20% and the policyholder incurs a medical bill of AED 10,000, then the policyholder would be required to pay AED 2,000 (i.e., 20% of the bill) out of their own pocket, while the insurance company would cover the remaining AED 8,000.

In-Network and Out-of-Network Hospitals

In-network hospitals refer to medical facilities that have a tie-up or agreement with the insurance company to provide medical treatment to the policyholders under the insurance plan. When a policyholder receives medical treatment at an in-network hospital, the insurance company would pay their bills directly to the hospital. However, the policyholder has to pay deductibles and make the copayment as applicable.

Out-of–network hospitals, on the other hand, do not have a tie-up with the concerned insurance provider. When a policyholder gets the treatment in a non-network hospital, the insurer shall not pay the treatment amount upfront. Nevertheless, the policyholder can apply for reimbursement after the treatment.

Waiting Period

The waiting period refers to the duration for which the policyholder must wait before they can avail of the benefits of the policy. Some health policies may have waiting periods for pre-existing diseases and more. 

Sum Insured

The sum insured refers to the maximum amount of money that an insurance company will pay out for medical expenses for a policyholder under the terms of the policy.

Pharmacy Limit

A pharmacy limit is a cap or limit on the amount of money that an insurance company will pay for prescription drugs and medication expenses under a health insurance plan. It is a predetermined amount set by the insurance company to limit the coverage for prescription drugs.

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Frequently Asked Questions
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  • Coverage
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  • Claim
  • Covid 19
Q : Why is it so important to declare pre-existing conditions in medical insurance policies?
Ans: It is crucial to disclose pre-existing conditions when applying for a health insurance policy as it helps the health insurance company make an informed decision about your health and its risk. Note that if you fail to declare pre-existing conditions, the health insurance provider has the right to cancel your policy anytime and that the risk of denial of claims is very high.
Q: Can I cancel my health insurance policy without any charges?
Ans: Most health insurance UAE companies offer a grace period in which you can cancel the policy without any charges. Policyholders can receive their medical insurance premiums back in full in this case.
Q: What is the right age to buy health insurance online dubai, UAE?
Ans: The right age to buy a health policy depends on various factors such as individual needs, health status, and financial situation. However, buying a health policy as early as possible is generally advisable. Younger individuals are generally healthier and have a lower risk of developing medical conditions, which means that they can get insurance at a lower premium.
Q: When can I include my children in my health plan?
Ans: You can include your children in your health insurance plan from day 1. Generally, insurance companies provide the new baby born cover for 30 days in line with Dubai Health Authority guidelines. Afterwards, you can add your dependents to group insurance or a family floater medical plan.
Q: Can I have more than one health insurance policy in UAE?
Ans: Yes, you can have more than one health insurance in UAE. For instance, if you are covered under employee group insurance, you can easily buy a separate health plan for better coverage.
Q: How can I quickly apply for an online health insurance plan in UAE?
Ans: You can apply for health plans online in UAE via platform. All you need to do is visit, head to the insurance section, compare the available plans, and apply for one.
Q: Is it necessary to have health insurance Dubai?
Ans: Yes, it is mandatory to have health insurance Dubai as per the Dubai Health Authority.
Q: How can I get discounts and benefits while renewing my health insurance policy in Dubai?
Ans: Most health insurance UAE companies provide lucrative benefits and rewards during health insurance renewal. You can visit the official website of Policybazaar UAE and know about the current discounts and offers.
Q: How do I decide how much coverage I need in my health insurance in UAE?
Ans: Deciding how much coverage you need for your health insurance can depend on several factors, such as your age, health status, family history, and lifestyle. You should also consider the potential health risks you may face in the future and the likelihood of needing medical treatment. Finally, think about your budget and how much you can afford to pay for premiums and out-of-pocket expenses.
Q: Does UAE health insurance cover all diseases?
Ans: Generally, health insurance cover all diseases. However, you should review your health policy to know about the exact coverages, exclusions, and more.
Q: How to choose the best coverage for your health insurance Dubai plan?
Ans: Choosing the best coverage for your health insurance requires careful consideration of your individual needs and budget. You should evaluate your medical history, pre-existing diseases, deductibles, co-payments, provider network, preferred doctors and hospitals, and ensure you are getting the coverage you need. In case you are stuck and unable to choose the best coverage, you can contact our in-house insurance expert team and get the required aid.
Q: How can I add more coverage to my basic standard health insurance plan?
Ans: You can add riders or add-ons to enhance coverage offered by the base policy and avail of greater protection against specific risks or medical needs.
Q: Do I need to pay the extra premium for adding riders to the health insurance policy?
Ans: Yes, you will need to pay an extra premium to add riders to your health insurance policy. The cost of the additional premium will depend on the type of rider you choose and the level of coverage it provides.
Q: How can I see the inclusions and exclusions of my UAE health insurance policy?
Ans: You can go through your health insurance UAE policy document and see the inclusions, exclusions, add-ons, and other relevant information related to your insurance policy.
Q: Can I extend the coverage of my health insurance Dubai plan at the time of renewal?
Ans: Yes, you can extend the coverage of your insurance of health plan by adding riders to your policy or switch to the other plan providing better coverage at an affordable rate.
Q: What are the common riders' in the health insurance Dubai plan?
Ans: Some common riders in the health insurance plan include optic and dental coverage, maternity coverage, geographical coverage extension, and more.
Q: What is a health insurance Dubai premium?
Ans: Health insurance premium is the amount of money that an individual or employer pays to an insurance company for health insurance coverage. In exchange for the premium, the insurance company agrees to pay for a portion or all of the insured individual's healthcare expenses as outlined in the policy.
Q: What is the cost of a health insurance Dubai?
Ans: The average cost of an individual health insurance Dubai is around AED 5,500 per year, while the average medical insurance cost for a family is around AED 17,000.
Q: Is a family floater medical insurance plan less expensive than an individual plan?
Ans: Family floater medical insurance plans can often be less expensive than getting individual plans for each member, especially for families with multiple members. In a family floater plan, a single policy covers all family members, whereas, in an individual plan, each family member requires a separate policy, making it more expensive.
Q: What happens if I fail to pay my health insurance premiums on time?
Ans: If you fail to pay your insurance premiums, you will no longer have the coverage provided by your UAE health insurance policy.
Q: How do the insurance providers calculate the premiums on health insurance?
Ans: Insurance providers decide the premium on your health insurance after evaluating and assessing your health, medical history, lifestyle, and other factors that affect the premium. In order to get more clarity on your health insurance premium, you can contact the concerned insurance provider and ask for the same.
Q: How age impacts insurance premiums?
Ans: Age is an important determinant affecting health insurance premiums. Older individuals are generally more likely to have health issues and require more medical care, which can lead to higher premiums.
Q: How can I plan my health insurance premiums well in advance?
Ans: Planning your health insurance premiums in advance involves several steps, including understanding your current health insurance plan, assessing your future healthcare needs, and more. The next step is to explore the health insurance plans on, compare the costs of different plans, and choose one that fits your budget. Finally, review your plan annually to ensure that it still meets your requirements and adjust your budget accordingly.
Q: Can I renew my health insurance Dubai policy before its expiry date?
Ans: Yes, you can renew your health insurance before it expires. As a customer of, all you need to do is to visit the official website of Policybazaar UAE, sign into your account, go to your dashboard, tap on the link adjacent to your plan, and choose the plan suiting your budget.
Q: Can I get a refund for my UAE health policy?
Ans: Most health insurance UAE providers provide a free lookup period of approximately 30 days in which you can cancel your health insurance policy and get a refund. However, it is advisable to reach out to the concerned insurance provider and know the details.
Q: How can I get my insurance premium refunded?
Ans: You can get the refund of your health policy premium to the same source through which you have paid the refund.
Q: How can I get a discount on my health insurance Dubai plans?
Ans: We, at Policybazaar UAE, offer lucrative offers and rewards on various health insurance policies. You can visit and check out the offers currently available on health insurance plans.
Q: How many claims are allowed during the health insurance Dubai plan period?
Ans: There are no limits in terms of health insurance claims. However, it is to be noted that the sum insured is the highest limit under the insurance policy.
Q: How long does it take to settle health insurance claims in UAE?
Ans: Generally, Health insurance companies take at least 20 days after submitting documents. However, you must contact your concerned insurance company and verify the same.
Q: What are the types of health insurance claims in the UAE?
Ans: In UAE, there are two types of health insurance claims - Cashless claims or claims made within the hospital network, Reimbursement claims or claims made outside the hospital network
Q: What is a cashless health insurance claim in Dubai?
Ans: Cashless claim is a type of health insurance claim where the insured person can receive medical treatment at a network hospital without having to pay for the treatment out of their own pocket. In this case, the medical expenses are directly settled between the health insurance company and the hospital.
Q: What is a reimbursement health insurance claim in the UAE?
Ans: A reimbursement insurance claim is a type of health insurance claim where the insured person pays for their medical expenses upfront and seeks reimbursement from their health insurance company later.
Q: What documents are required while submitting a reimbursement health insurance claim?
Ans: To make a reimbursement health insurance claim, you should provide the health insurance company with the original medical bills and receipts along with a claim form that includes details of the treatment and the expenses incurred. The insurance company will then review the claim and determine whether the expenses are covered under the health insurance policy.
Q: Does Your UAE Health Insurance Policy Cover Coronavirus - COVID-19 Treatment?
Ans: Since the outbreak of the COVID-19 pandemic, the UAE government has mandated that all health insurance UAE providers have to cover the cost of COVID-19 testing and treatment. With that said, it is important to note that some insurance policies may have certain exclusions or limitations related to COVID-19 coverage. For instance, some policies may exclude coverage for COVID-19 treatment received outside the UAE.  Generally, most of the UAE health insurance policies cover COVID-19 medical expenses including hospitalisation, diagnostic tests, and treatment, subject to the terms and conditions of the policy.
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