Don’t gamble with your health, get the right cover at the right price
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!
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 health insurance plan is specially designed for individuals and offers financial coverage against treatment expenses and emergency medical bills.
This type of plan is designed to provide coverage for multiple members of the family, generally including you, your spouse, and your dependent children.
Group health insurance coverage is offered to a group of individuals, generally employees of a company or organisation. This type of insurance covers a wide range of medical expenses including doctor visits, prescription medicines, and more.
Senior citizen health insurance Dubai provides medical coverage to individuals who are over the age of 65 in case of an illness or injury.
The main purpose of insurance is to safeguard your finances in case of medical emergencies. It helps you protect your and your family's health from unforeseen situations and prepares you for potential health risks.
The following are the main benefits of health insurance in UAE -
Health insurance in the UAE pays a portion of covered medical costs either directly to the facility or as reimbursement, depending on your chosen plan and coverage level. The following are the types of medical expenses covered -
Apart from the legal requirement, there are several other reasons why buying health insurance Dubai is important for you -
Medical Plans | Coverage | Pharmacy Limit | TPA | Network Hospitals |
---|---|---|---|---|
DIC - Silver Premium | AED 1,000,000 | Upto AED 1,000,000 | MEDNET | 30+ |
DIC - Silver Classic | AED 150,000 | Upto AED 1,000,000 | MEDNET | 30+ |
DIC - Silk Road | AED 1,000,000 | Upto AED 1,000,000 | MEDNET | 30+ |
DIC - Gold | AED 150,000 | Upto AED 1,000,000 | MEDNET | 30+ |
DIC - Emerald | AED 150,000 | Upto AED 1,000,000 | MEDNET | 30+ |
DIC - Pearl | AED 1,000,000 | Upto AED 1,000,000 | MEDNET | 30+ |
DIC - Dubai Care N1 | AED 150,000 | Upto AED 1,000,000 | Dubai Care | 30+ |
Sukoon - Prime | AED 5,000,000 | Upto AED 1,000,000 | Sukoon | 50+ |
Sukoon - Pro | AED 3,000,000 | Upto AED 1,000,000 | Sukoon | 50+ |
Sukoon - Max | AED 500,000 | Upto AED 1,000,000 | Sukoon | 50+ |
Sukoon - Home | AED 250,000 | Upto AED 1,000,000 | Sukoon | 50+ |
Sukoon - Home Lite | AED 250,000 | Upto AED 1,000,000 | Sukoon | 50+ |
Sukoon - Safe | AED 150,000 | Upto AED 1,000,000 | Sukoon | 50+ |
Orient - I-Med | AED 150,000 | Upto AED 1,500 | Nextcare | 50+ |
Orient - E-Med | AED 150,000 | Upto AED 1,500 | Nextcare | 50+ |
Orient - D-Med | AED 150,000 | Upto AED 1,500 | Nextcare | 50+ |
Orient - NE-Med | AED 150,000 | Upto AED 1,500 | Nextcare | 50+ |
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:
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 -
Know All About the In-Patient VS Out-Patient in Health Insurance
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
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 –
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.
Dubai's thriving healthcare industry offers a wide range of medical insurance options from various providers. These insurance companies provide 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
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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 –
You can contact the concerned insurer or our customer representative team to get the required add-ons on your health insurance policy.
There are two types of health insurance claims 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.
Let’s discuss in detail how you can file a health insurance Dubai claim -
Cashless Claim or Claim Made Within The Hospital Network
Keep the following documents ready while filing a health policy claim reimbursement –
Medical insurance, often referred to as health-specific or critical illness insurance, plays a vital role in the broader landscape of healthcare coverage. While health insurance policies are designed to cover a wide array of medical expenses, such as routine check-ups, preventive care, and prescription drugs, medical insurance has a more specialized focus.
Medical insurance comes into play when individuals face the daunting prospect of a serious illness or injury. It serves as a financial safeguard against the often exorbitant costs associated with treatments, hospital stays, surgeries, and medications necessary to combat these critical health conditions. This form of insurance is particularly valuable for individuals and families facing chronic illnesses, cancer diagnoses, or other severe health challenges.
Aspect |
Health Insurance |
Medical Insurance |
Coverage Scope |
Broad, encompassing various health-related expenses. |
Specific, targeting particular medical expenses and illnesses. |
Typical Purchasers |
Individuals, often provided by employers as a workplace benefit. |
Usually added to a health insurance policy as an additional coverage. |
Covered Expenses |
Preventive care, routine doctor visits, prescription drugs, etc. |
Expenses related to surgeries, hospitalization, rehabilitation, etc. |
Financial Structure |
May involve co-payments or deductibles for certain services. |
May offer a lump-sum payment to cover extra expenses and income loss during recovery. |
Sharjah , Ras al Khaimah, Fujairah , Umm al Quwain , Ajman , Abu Dhabi
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