Health Insurance Dubai

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 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, 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 in 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!

Key Features of Health Insurance Dubai, UAE

Here are the prominent features of health insurance UAE -



Plan illustration

Geographical Coverage

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


Laboratory and Diagnostic Tests

Covered (subject to co-payment at times)




Semi-Private Room

Physiotherapy Treatment


Subjected to 20% co-payment; up to 6 sessions per year covered

Alternative Medicine


Up to AED 1,600

Cancer Treatment

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

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 

Covered - subject to a waiting period of 6 months if you purchase a new health insurance plan, covered up to AED 150,000 per person per year

Maternity Cover

Covered - undeclared pregnancy is not covered during the policy period


Hearing and Visual Aids

Covered (can be subject to coinsurance)

Covered in Case of Medical Emergencies



Up to AED 5,000

Emergency Ambulance Services



Daycare Treatment 



Outpatient Benefits



Neonatal Care


Covered for 30 days from the date of birth

Medical Expenses for Injuries Related to Road Accidents






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Types of Health Insurance in 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. 
Provider Plan Network Hospitals Medical Cover Permium
Orient I-Med 55 AED 150,000 AED 875 Yearly
Takaful Emarat ECARE BLUE 22 AED 150,000 AED 1,012 Yearly
Salama Basic 43 AED 150,000 AED 844 Yearly
Sukoon Safe 52 AED 150,000 AED 2,636 Yearly
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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 insurance 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 Buying UAE Health Insurance Plans Online

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 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 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 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 Dubai 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 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 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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Documents Required for Health Insurance Dubai, 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 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

Leading Insurer of Health Insurance in UAE - Get Quotes Now!

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Health Insurance in UAE Plans offers a wide range of health insurance plans from the top insurance providers in the UAE. Here you can compare and choose from a variety of UAE health insurance plans based on your needs and budget. Whether you are looking for an individual health plan or a family floater plan, you can have a convenient and hassle-free experience of purchasing UAE insurance online for health. 

Below are some popular health insurance Dubai plans along with their key benefits

Plan Name

Medical Cover

Pharmacy Limit


Cigna - Healthguard International WWE General Plus

Up to AED 7,350,000

Up to the Medical Cover Limit

General Plus

Hayah - Health Protect Restricted

Up to AED 1,000,000

Up to the Medical Cover Limit

NAS Restricted

Orient Takaful - Silk Road

Up to AED 1,000,000

Up to the Medical Cover Limit

MEDNET Silk Road

Dubai Insurance - Silk Road

Up to AED 1,000,000

Up to the Medical Cover Limit

MEDNET Silk Road

Daman - Care Bronze DNE without Dental

Up to AED 500,000

Up to AED 10,000

Daman Standard 3

Dubai National Insurance - Silk Road

Up to AED 1,000,000

Up to the Medical Cover Limit

MEDNET Silk Road

Adamjee - Silk Road

Up to AED 1,000,000

Up to the Medical Cover Limit

MEDNET Silk Road

Alliance Insurance - Basic Plan A

Up to AED 300,000

Up to AED 7,000


GIG Gulf - Silk Road

Up to AED 1,000,000

Up to the Medical Cover Limit

MEDNET Silk Road

Al Sagr - Diamond - Plan A

Up to AED 500,000

Up to Medical Cover Limit


Abu Dhabi National Insurance Company - Shifa Gold Opt - 13

Up to AED 2,000,000

Up to the Medical Cover Limit


See Plans

Top Reasons to Buy Health Insurance Dubai, UAE Plans

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

  • It covers expenses related to a range of medical services such as doctor visits, diagnostic tests, preventive care, hospitalisation, and more.
  • With a health insurance Dubai plan, you can protect yourself and your family against the costs of medical care and avoid financial stress.
  • Apart from medical security, an appropriate insurance plan provides peace of mind and security, knowing that you will be financially protected.
  • Some UAE insurance policies offer free health check-ups at regular intervals, meaning that you can monitor your health periodically and work towards improving it.
  • Many health insurers cover pre-existing conditions after the specified waiting period is over.
  • A right health insurance policy allows you to pay for the long-term treatment of lifestyle diseases that have been on the rise due to drastic changes in lifestyles.
  • By providing funds in case of medical emergencies, insurance protects your hard-earned savings from depletion in case of any major disease or ailment.

Benefits of Health Insurance 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 insurance 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 insurance policies are listed below – 

Cover for Medical Expenses

A health insurance 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 medical 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 medical 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

Medical insurance UAE 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 medical insurance in the UAE refer to a benefit offered by some 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 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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Factors Affecting Premium of Health Insurance Dubai, UAE

The following are the factors that affect your 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 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 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 Health Insurance Dubai, UAE Premium

The premiums of UAE 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 Dubai: The average medical insurance cost in Dubai for individual health protection plans is around AED 10,000 per annum.
  • For Family Floater Plan Dubai: The family medical insurance uae cost of a basic cover for four members is approximately AED 17,000 per annum. 
  • Comprehensive Health Insurance 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 medical insurance 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 2022-2023

Dubai's thriving healthcare industry offers a wide range of medical insurance options from various providers. These insurance companies provide medical 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

Top Health Insurance Companies in the UAE 

A vast variety of medical insurance alternatives from different suppliers are available for you due to Dubai's flourishing healthcare sector. These insurance providers offer medical insurance plans made to meet the various medical requirements of different types of people and their households in Dubai.

Listed below are the top health insurance providers in the country -





  • Provides a wide array of 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 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

  • 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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  • Provides multiple 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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  • 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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  • 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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  • 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

  • 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.
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  • 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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Abu Dhabi National Insurance Company

  • 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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  • 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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Buy Health Insurance in Other Emirates UAE

Health Insurance Sharjah Health Insurance Ras al Khaimah Health Insurance Fujairah
Health Insurance Umm al Quwain Health Insurance Ajman Health Insurance Abu Dhabi

What is Covered in Health Insurance UAE Plans?


Health Insurance Inclusion

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

  • 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 insurance plans offer optional dental coverage including routine dental exams, fillings, and other dental procedures.
  • Vision care: Some 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.

What is Not Covered in Health Insurance Plans UAE?

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 - 

  • Terminal illnesses like AIDS
  • Cosmetic treatment
  • Fertility treatments
  • Experimental treatments
  • Non-allopathic treatment
  • Non-emergency medical services received outside the UAE
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Consider Before Buying Health Insurance Dubai, UAE

Given below are some tips to help you to choose the right UAE health insurance plan – 

  • Type of Coverage: Consider what kind of coverage you require and whether you need it for family, parents, or employees. You should start by making a list of inclusions that you need in your medical insurance policy.
  • Network Hospitals: Before opting for the policy, you must check which hospitals, clinics, or medical facilities are included in the insurance company's panel. 
  • Suits your Budget: While having a UAE health insurance plan is important and mandatory, it is equally essential to have the plan fit your budget. Buying an affordable health insurance plan is advisable to cover you adequately at a reasonable price.
  • Review Coverages and Exclusions: Make sure to review the policy’s inclusions, exclusions, and add-ons to understand any limitations, restrictions, or hidden costs.
  • Room and Sub-Limits: It is necessary to consider hospital room rent sub-limits when opting for medical insurance. Room rent sub-limits are the maximum amount an insurer will pay per day for your hospital room charges - any charges exceeding this limit must be borne by the policyholder. So if you opt for a more expensive room than the sub-limit, you will have to pay the difference out of your pocket. This can significantly increase your out-of-pocket expenses, particularly if you require a more extended hospital stay or specialised medical care.
  • Waiting Periods: Some insurance companies have waiting periods for some benefits such as pre-existing illness coverage. Read the policy terms and consider the waiting period before opting for the one.
  • Claim Settlement Ratio: You should also check the claim settlement ratio of the insurance provider to know the company's ability to process and settle claims. A high claim settlement ratio (generally above 80%) is ideal and suggests that the provider is efficient and reliable in processing and paying out claims. 
  • Get Required Assistance: If you are stuck and need help finding the right medical insurance policy, you can connect with the Policybazaar UAE team to have the policy simplified for you. 
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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. Insurance companies typically offer them as a way for you to tailor your health protection 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 policies. 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 protection 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 protection 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 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 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 UAE health insurance plans may vary depending on the insurance provider and the specific plan. However, some common eligibility criteria include the following:

  • The applicant must be a resident of the UAE
  • Children should be covered from birth as dependants
  • Applicant must have a stable income to pay premiums conveniently
  • To be covered under Dubai group medical insurance, you should be legally registered in an organisation and adhere to the regulations and guidelines of the country.

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.

How to Compare Health Insurance Quotes?

When getting health insurance, there should always be a scope of comparison rather than settling for the first plan you see. Here are the 3 hacks that can make it easy for you to compare the health insurance plan quotes -

  • Check the cover offered under each plan and compare each plan against the other. 
  • If you have purchased a health insurance plan before, check the cover that you were offered previously. You can also consider including riders and discount vouchers to make the plan affordable.
  • Rather than getting influenced by the premium, check and compare the benefits and covers offered under each plan. Usually, some plans that appear to be inexpensive do not provide significant benefits. Thus, it is advisable to evaluate the premium rate at the end. 

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 policies 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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Some Myths About Health Insurance UAE

Several misconceptions and myths about UAE health insurance can create confusion and prevent people from making well-informed decisions about their coverage. These myths range from the belief that all health insurance Dubai policies are the same to the idea that young and healthy individuals do not need health protection Plan. 

Some common myths and misconceptions related to UAE health coverage policy are given (and busted) below-

All Medical Insurance Plans are the Same
A common myth about health insurance is the belief that all medical insurance plans are the same. However, this is far from true - there can be significant differences between different health policies. Some of the significant differences in health insurance plans are geographical coverage plans, Cost of premiums, Deductibles and co-payment, Network providers, Support offered by the company.
It is Not Necessary to Declare Pre-Existing Diseases While Purchasing a Medical Insurance Policy
It is mandatory to declare pre-existing diseases while obtaining health insurance to ensure that you have proper coverage and avoid any issues at the time of claim. Some of the reasons are - You will not be covered for the concerned pre-existing disease and any other related medical expenses, Failure to declare pre-existing conditions can result in the insurance provider denying claims or cancelling the policy.
I am covered under Group Health Insurance Policy. It is not helpful to Buy an Individual Health Insurance Policy.
Individual medical insurance is essential even if you have group health insurance. Group health insurance provided by an employer typically covers a broad range of medical services, but there may be limits and exclusions based on the policy and the specific group. With individual medical insurance, you have more control over your healthcare choices and can select a plan that fits your particular needs and preferences. You also have the flexibility to customise the coverage to meet your unique medical requirements.
I am Young, Fit, and Active. I Don't Need Health Policy
It is a misconception that you don't need health insurance if you are young and healthy. Here are the reasons why health insurance is essential even if you are healthy – Unexpected medical emergencies can happen to anyone, irrespective of age and health status. Preventive care and routine check-ups are crucial parts of maintaining good health. Even if healthy, one may face considerable harm due to severe illnesses like monkeypox, coronavirus, or an accident. Medical costs in the UAE can be substantially high.
Pregnancy is Not Covered in UAE Medical Insurance
In the UAE, medical insurance policies are regulated by the DHA, as per which all insurance policies are required to cover pregnancy and childbirth-related expenses. So if you have a medical insurance policy in the UAE, you can expect coverage for prenatal check-ups, delivery charges, and postnatal care. However, some insurance policies may have specific limitations or exclusions related to pregnancy coverage, such as pre-existing conditions or a waiting period. Reviewing the policy details carefully is essential to comprehend what is covered and what is not. It is also worth noting that some companies offer maternity and childbirth benefits as an add-on to their standard medical insurance policies.

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 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 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 – 

  • Visit the official website of Policybazaar UAE.
  • Navigate to the ‘Health Insurance’ section.
  • You will be required to enter a few details in the lead form that pops out on the screen
  • Type of insurance of health
  • Your full name, email address, nationality, and mobile number
  • Information related to your last health policy (if applicable)
  • Your residing city as per your visa
  • Other details like salary, gender, marital status, date of birth
  • Click on the View Quotes
  • This will take you to the health insurance quotes page, where you can explore all available plans.
  • You can compare and shortlist the plans as per your healthcare needs and budget.
  • Once you have chosen the plan, you can apply for it by clicking on the 'Apply' button adjacent to it.
  • You would be again required to key in the specific details related to your health.
  • Upload the specified documents like your passport, visa, and Emirates ID.
  • You will be redirected to the new page where you can find the key features of the chosen plan, premium breakups, and more. In addition, you can also download the quotation of the plan.
  • Our concerned customer representative will contact you and help you buy the right & cheap health insurance dubai policy.

Check Out The Health Insurance Plans in UAE

Provider Plans
Orient Health Insurance Plans Orient Health Insurance Plans in UAE
Takaful Emarat Health Insurance Plans Takaful Emarat Health Insurance Plans in UAE
DNI Health Insurance Plans DNI Health Insurance Plans in UAE
  • General
  • Coverage
  • Premium
  • 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 insurance company make an informed decision about your health and its risk. Note that if you fail to declare pre-existing conditions, the 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 insurance 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 insurance 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 insurance 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 policy 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 insurance 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 in 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 insurance 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?
Ans: Deciding how much coverage you need for your 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 policies 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 plan 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 UAE health insurance 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 health insurance 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 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 policy 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 insurance providers in the UAE 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 insurance 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 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, 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 protection 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 insurance company and the hospital.
Q: What is a reimbursement health insurance claim in the UAE?
Ans: A reimbursement health insurance claim is a type of health insurance claim where the insured person pays for their medical expenses upfront and seeks reimbursement from their 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 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 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 insurance 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 coverage 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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