Health Insurance Dubai: Buy Medical Insurance Plan Online @4* AED

What is Health Insurance?

Health insurance, also known as medical insurance, is a type of policy that covers your medical expenses. It includes doctor visits, hospital stays, surgeries and sometimes prescription drugs. In exchange for a monthly premium, the insurance company shares the cost of your healthcare, which reduces the financial burden of expensive treatments.

With the right health insurance, you are better prepared for unexpected medical emergencies and can access quality healthcare without worrying about overwhelming costs. It also promotes regular health monitoring and helps prevent serious conditions through early intervention.

Top Health Insurance Dubai Plans - 2025

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Key Features of Health Insurance

Here are the prominent features of health insurance UAE -

Key Features	Insurance Benefits Offered
Health Insurance Cost	Starting at AED 4/Day
Coverage Amount	Up to AED 5 million
Minimum Entry Age	0 years ( Newborn Baby )
Maximum Entry Age	99 years
Process for Claim	Policybazaar UAE Portal & Insurer Portals
Claim procedure	Cashless or Reimbursement
Who Should Buy	Self, Family, Domestic Workers, Investor
Covered	In-Patient Service, Out-Patient Service, Maternity Coverage
Buy/Renew Process	Online

Types of Health Plans	Suitable For
Individual Plan	Single adults seeking personal coverage
Family Floater Plan	Families wanting inclusive coverage for all family members
Senior Citizens Plan	Elderly individuals (usually above 60 years) requiring more frequent medical care
Kids Plan	Children and adolescents requiring paediatric care
Group	Employees of a company, providing benefits as a group
Critical Illness	Those requiring financial protection against serious illnesses like Cancer, Stroke, Kidney failure and many more

Best Health Insurance Dubai Plans in 2025

List of best Health insurance Dubai plans and their features —

Insurance Company	Medical Insurance Cover and Network Hospital	Features
Sukoon Insurance	Cover: AED 5 Million Network Hospitals: 1500 +	DHA Essential Benefits Plans (EBP) plans available Pre-existing disease cover: Up to AED 150,000 Maternity cover and Ambulance cover Lab tests
Dubai Insurance Company	Cover: AED 1 Million Network Hospitals: 1185 +	Physiotherapy: Up to 15 sessions per year Alternative medicine: Up to AED 1,600 Wide medical network and Worldwide coverage available
Takaful Emarat	Cover: AED 1 Million Network Hospitals: 909 +	Prescription drug cover: Up to AED 10,000 Mortal remains’ repatriation: Up to AED 15,000 Dental and gum treatment: 20% coinsurance Diagnostics like X-Ray, CT-Scan, and MRI covered
Orient Takaful	Cover: AED 1 Million Network Hospitals: 1650 +	Individual and group medical insurance Pre-existing disease cover: Up to AED 150,000 Psychiatry: Up to AED 10,000
Cigna Insurance	Cover: AED 7.35 Million Network Hospitals: 1650 +	Physiotherapy: Up to 30 visit covered Worldwide coverage available Alternative medicine (Ayurveda, Homeopathy) covered
Salama Insurance	Cover: AED 1 Million Network Hospitals: 250 +	Two types of options — Essential Benefits Plan and Enhanced Benefits Plan Flexible healthcare for families and domestic helpers Medical emergency services available across the country
Watania Takaful (formerly Noor Takaful)	Cover: NA Network Hospitals: 1600 +	Comprehensive medical insurance plans for individuals and families 1,600+ care centres available Accidental death and personal accidents covered Homeland treatment coverage is included
Daman Health	Cover: AED 500,000 Network Hospitals: 900 +	Both individual and business plans available Separate coverage for domestic helpers Psychiatric treatment: Up to AED 10,000 (annually) Alternative medicine covered 20% coinsurance for dental and gum treatment
Al Sagr Insurance	Cover: AED 1 Million Network Hospitals: 900 +	20+ enhanced Emirates plans for individuals and families 4 different insurance packages: Executive, Standard, Economic, and Essential Worldwide coverage available Global emergency services by Assist America

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5 Reasons Why You Should Buy Medical Insurance in UAE

Medical insurance covers your medical and hospitalization expenses, in the event of a health emergency. Here are a few reasons why you should have a health insurance plan beyond the mandatory scheme.

1. Financial protection from unexpected medical bills

It’s always better to have the right medical insurance coverage so that you can protect your finances from costly medical bills.

2. Coverage for a wide range of medical treatments and procedures

Usually, most health insurance policies cover a wide range of medical treatments and procedures. If not planned for, these expenses can drain your savings.

3. Access to better hospitals and healthcare providers

Choosing the right health insurance policy is critical to you having access to the best hospitals and healthcare providers, especially in the case of a medical emergency, when you need the best care and treatment.

4. Coverage for preventative care

Most people do not consider the expenses they are likely to incur for preventive care. A good health insurance policy will ensure you can meet any out-of-pocket expenses, including preventive care without hospitalization.

5. Peace of mind knowing you're covered in case of an emergency

The best part about having a good health insurance policy is that it helps you focus on recovering faster without having to stress about costly medical bills.

When to Buy Health Insurance Plans in Dubai, UAE?

It’s advised you purchase a trusted health insurance policy in UAE, as soon as you move to Dubai. Generally, pre-existing conditions are typically not covered for a certain period after moving to Dubai (usually for 30 to 90 days). However, getting medical insurance early ensures you are covered after this waiting period.

Also, if you are planning to start a family, make sure to consider health insurance plans that cover maternity and childcare.

How to Choose the Right Health Insurance Plan in Dubai: Key Tips and Considerations

Most health insurance plans offer individual, family or group plans. Pick one that fits your requirements.

Policy Coverage

Dubai health plans typically cover in-patient care (hospitalization) and out-patient services (OPD) like doctor visits and tests. Maternity coverage may be included, but dental and vision are usually offered as separate plans. So, read the policy offer document carefully, so that you do not miss out on any hidden clauses.

Factors to consider when choosing a medical insurance plan

Always factor in your age, medical history, budget, and coverage needs, before choosing a plan. Some health insurance plans have riders and clauses and may not cover all your medical requirements. Hence, it’s vital to consider these factors while selecting a health insurance policy for yourself and your family.

Review feedback

See what customers have to say about the insurance companies' service and overall experience.

Know more about the waiting period

Consult the insurance agent about the waiting period for certain medical conditions and treatments.

Ask about No-Claim Bonus

Enquire about the discounts available for not making medical claims, resulting in more savings.

Discover more about the claim process

It’s vital to know the procedure to be followed while filing medical insurance claims and receiving reimbursements, especially in the case of emergencies. Also, ask about in-paitent and out-patient health insurance.

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

Health Insurance Inclusion & Exclusions in Dubai

Covered
Not Covered

Before starting the process to buy health insurance, first understand the key inclusions and exclusions —

In-Patient Service - Hospital accommodation, ambulance service, emergency treatment, repatriation costs, and pre-existing conditions
Out-Patient Service - Newborn cover, laboratory tests ( X-ray, CT-Scan, and MRI ), physiotherapy treatment, and more
Maternity Coverage - In-patient and out-patient services, complications, miscarriage and legal abortion coverage
Pre-Existing and Chronic Conditions - Each provider has its own coverage features and rules for pre-existing and chronic diseases.
Vaccines and Preventive Services - Covered as per the schedule of the policy
Emergency Cases - Hearing, Vision, Dental and Gum Treatment
Physiotherapy Treatment - A certain number of sessions per member are covered by some plans

While the exclusions of the plans by top Medical insurance companies vary as per the chosen plan, some of the general exclusions are as follows —

Surgical and non-surgical treatment for obesity
Cosmetic surgeries
Growth hormone therapy unless medically suggested
Services and treatments for contraception, sex transformation, or sterilisation
External prosthetic devices and medical treatment
Treatments required due to injuries caused by professional sports activities

Eligibility Criteria for Buying medical Insurance in UAE

Mentioned below are the general eligibility criteria for Medical insurance in Dubai (UAE) —

Eligibility Criteria	Specifications
For Adults	18 years - 99 years
For Dependent Children (applicable to family health insurance)	Birth - 17 years
Pre-Existing Health Condition Waiting Period	Usually 6 months

Medical Insurance VS Health Insurance - Explained!

Aspect	Health Insurance	Medical Insurance
Scope of Coverage	It’s a broader term comprising medical insurance, dental insurance, vision insurance, etc.	Covers hospitalization costs, surgeries, and some specialist consultations.
What is covered?	Medical, dental, vision care, outpatient care (depending on plan).	Inpatient care, surgeries, emergency room visits.
Focus	Offers a wider range of coverage options depending on individual needs.	Primarily covers costs associated with hospital stays and major medical events.
Network	You get access to a wider network of clinics and hospitals.	You get access to a limited network of clinics and hospitals.
Preventive care	Mostly covers preventive care services.	May not cover preventive care expenses for vaccinations and checkups.
Cost	Costs are lower for premiums as coverage is limited.	Costs are higher for premiums as it offers comprehensive coverage.

Documents Required to Renew or Buy Medical Insurance in Dubai, UAE

Here is a checklist of the documents commonly required for buying Medical insurance in UAE —

Original Emirates ID
Original passport
Original residence visa (applicable to expatriates)

Note: The concerned insurance provider may require additional documents as per its requirements.

Health Insurance TPA - Third Party Administrator in UAE

How to Renew Health Insurance Policies in Dubai ?

With Policybazaar.ae, you can buy and even quickly renew medical insurance plans online. If you purchased from our platform, simply follow these steps —

Log into your Policybazaar.ae account.
On the dashboard, a list of your insurance plans will appear.
Locate and select your health insurance plan that has to be renewed.
Choose the option to renew the policy and review it.
Make customisations, if required, and follow the prompted steps to proceed with the renewal process.

Note: Once renewed, the policy details will be sent to your registered email ID.

If you got your plan from another platform, you can fill up the lead form in the health insurance section of Policybazaar.ae. One of our representatives will connect with you and guide you through the renewal process.

How to File a Medical Insurance Claim in Dubai?

In the UAE, policyholders can make both cashless and reimbursement claims. Mentioned below are the general steps for both types of claims —

Cashless Claims

Go through the list of network hospitals mentioned in your policy document.
Select your preferred hospital and get in touch with its insurance help desk.
Provide your policy details and fill in the pre-authorisation form.
Upon submitting the form and other details, your claim process will be initiated and the hospital bills will be directly settled between your insurance company and the hospital.

Reimbursement Claims

Notify your provider regarding the medical treatment that you want to avail of.
After the treatment from your desired hospital, settle the medical bills and collect other documents such as prescriptions, medical reports, and so on.
Download the claim form for your healthcare insurance Dubai from your provider’s website and fill it out correctly.
Submit the form and other required documents to your provider as prompted.
The concerned insurance company will evaluate your form and reimburse your bill amount.

FAQ about Health Insurance in UAE

Health Insurance
Claim
Coverage

Will my health insurance remain active if my Emirates ID expires?

Yes, your medical insurance in UAE, including medical insurance in Dubai, will remain active even if your Emirates ID expires.

Can I buy more than 1 Medical insurance in UAE?

No. According to UAE law, you cannot have dual health insurance in UAE. Each person must have only one health insurance policy.

Can I cancel my Medical insurance at any time?

Yes, you can cancel your health insurance policy at any time. However, this comes with its own terms. For instance, after you purchase a policy, there is a 'cooling-off period' of around 30 days. You can get refund only if you cancel the policy in this period and don't make any claims.

Is it possible to switch to a new health insurer at any time?

Yes, you can switch to a new health insurer but with certain restrictions. You usually have to wait for the renewal period or meet special criteria such as job changes or visa updates. Mid-year switching is restricted.

Which is the best health insurance plan?

The best health insurance plan in the UAE depends on your age, visa type, medical history and whether you need local or international coverage. You should research carefully or talk to an insurance expert before selecting a plan. However, it’s always better to choose a comprehensive health insurance plan. These plans offer broader coverage, larger hospital networks and better protection during medical emergencies.

Is health insurance free in UAE?

Cashless network hospitals are healthcare facilities that have a direct agreement with your insurance provider. When you visit these hospitals, you don’t need to pay for covered services upfront — the insurance company pays the bill directly. You just show your insurance card or Emirates ID and the hospital coordinates with the insurer. However, it's important to check whether a hospital is included in your insurer’s approved network list or not.

What is the penalty for not having health insurance in Dubai?

In Dubai, health insurance is mandatory for all residents. If you don’t have valid health insurance in Dubai, you may face a fine of AED 500 per person, per month. This fine continues to accumulate until coverage is arranged. Additionally, being uninsured can lead to visa renewal delays or rejections. To avoid penalties and ensure access to healthcare, it’s important to stay covered under a compliant insurance plan at all times.

What documents are required for a Medical insurance reimbursement claim?

You usually need the following documents for health insurance reimbursement claim - Filled and signed claim form (by doctor and patient) Itemised invoices with treatment and service breakdown Payment proof (receipts, bank slips) Doctor’s prescription and reports if applicable

How long does it take to settle a reimbursement claim?

It usually takes about 2–3 weeks to settle a health insurance reimbursement claim in the UAE. However, the actual time can vary depending on the insurance provider, the accuracy of your submitted documents and the complexity of the claim. Some insurers may process claims faster, while others might take longer.

In which circumstances can insurance companies deny claim requests?

Health insurance claims can be rejected due to — Incomplete or missing documents Unlisted services (not covered under the policy) Delay in claim submission Excluded conditions (like pre-existing illnesses not disclosed)

How does an insurance claim work?

"An insurance claim is a way to ask your insurance company to pay for your medical treatment. If you go to a hospital that is in your insurance network, you don’t need to pay. The hospital will send the bill directly to the insurance company — this is called a cashless claim. If you visit a hospital that is not in the network, you have to pay the bill first. Then, you send the receipts, reports and a claim form to your insurance company. They will check everything and decide if they will pay you back."

What are the 4 stages of insurance claims?

Four steps in health insurance claim includes the following — Notification – You inform the insurer about the treatment or medical event, usually through a claim form or online portal. Documentation – You submit all necessary documents such as bills, prescriptions and reports. Assessment – The insurer reviews your claim to check if it meets policy conditions. Settlement – If approved, the insurer pays the hospital (for cashless) or reimburses you (for reimbursement).

How can I add more coverage to my basic standard health insurance plan?

You can enhance your basic standard plan by choosing additional coverage options offered by providers like Daman Health Insurance or ADNIC Health Insurance. These options may include coverage for dental care, maternity benefits, or extended hospital stays.

Does UAE health insurance cover all diseases?

Not all. Basic plans cover essential health services but not all diseases or conditions—especially: Cosmetic procedures Some dental and optical services Pre-existing conditions unless declared and approved For full coverage, many residents opt for comprehensive health insurance plans in the UAE.

What is the most common health insurance coverage?

In the UAE, the most common health insurance coverage is through basic employer-provided plans under government guidelines like DHA Essential Benefits Plan (EBP). These plans include outpatient care, emergency services and basic inpatient coverage with annual limits starting from AED 150,000. They are popular because they meet legal requirements and are affordable for employers.

What is the minimum coverage for DHA?

According to the Dubai Health Authority (DHA), the minimum coverage under the Essential Benefits Plan (EBP) includes an annual limit of AED 150,000. For inpatient care, there is a 20% co-payment, limited to AED 500 per visit and a maximum of AED 1,000 per year. The plan also includes outpatient care like doctor visits, diagnostic tests, and minor procedures, with a 25% co-payment capped at AED 100 per visit. This plan is mandatory for low-income workers, dependents, and some visa holders in Dubai.

Are pre-existing conditions covered ?

Yes, most health insurance plans in the UAE — including the basic plans — cover pre-existing conditions. However, a waiting period of upto six months may apply.