AED 5 Million Health Insurance in UAE

With medical insurance, however, you don’t need to worry. Your policy can easily cover the expenses and provide coverage at quite affordable rates. This way, you get peace of mind as both routine and emergency medical needs are well-covered!

What is AED 5 Million Health Insurance in UAE? 

AED 5 million medical insurance gives you coverage of up to AED 5 million per policy year. In plain terms, your policy will cover all eligible services — inpatient and outpatient treatment, maternity, emergency care, pre-existing conditions, and more — up to this amount.

This is one of the highest coverage amounts available in the UAE. It ensures that beyond regular checkups, the treatment of even serious conditions cannot hurt your savings.

Who Should Consider AED 5 Million Health Insurance? 

A coverage of AED 5 million is among the highest in the UAE. Let’s understand the categories of individuals for whom 5 million AED health insurance is suitable — 

• High-net-worth individuals: For those seeking uninterrupted access to the top hospitals and advanced medical technology, this plan gives comprehensive coverage.
• Individuals with chronic health conditions: Pre-existing conditions like diabetes, hypertension, and more need regular care. The costs of regular consultations, medicine, and more, no matter how small, can add over time. With an AED 5 million health plan, however, you can be covered for such recurring medical bills.
• Expats or people who travel frequently: Comprehensive policies cover emergency treatments outside the UAE (usually up to 90 days). This is good news for expats who regularly travel back to home or those who take frequent international trips.
• Users preferring private healthcare: The UAE, especially Dubai, has world-class hospitals and specialists. However, the treatments can be costly as well. With AED 5 M health cover, you can easily get full access without worrying about finances. 
• Families that have children or are planning parenthood: Comprehensive policies with high limits include coverage for maternity — consultations, delivery (up to AED 50,000), newborn care, and more. This way, even new parents have peace of mind from day one.

What’s Covered in AED 5 Million Health Insurance in UAE?

With an AED 5 million health insurance policy, you get coverage for all major healthcare requirements. Let’s take a look at the general inclusions of plans in more detail — 

• Inpatient treatment – Hospitalisation, tests and scans, ICU, medicine, day-care, and more
• Outpatient cover – Consultations, physiotherapy, tests, medication, and prescribed medicines
• Pre-existing conditions — Covered (must be declared at the time of purchase/detection) 
• Maternity – Includes both normal and complicated deliveries, newborn cover (for the first 30 days), antenatal and postnatal care, and more 
• Emergency coverage outside the UAE — For up to 90 days (if travelling outside for a vacation or business purposes) 
• Dental cover — Emergency dental treatment after accidents, plus routine dental benefits in higher-tier plans
• Preventive care and vaccinations – May cover screenings and vaccines as per official guidelines
• Mental health support – Psychiatric treatment and counselling (with yearly limits)

What’s Not Covered Under AED 5 Million Health Insurance?

While AED 5 M health insurance gives you ample coverage, it doesn’t cover specific treatments and conditions. Let’s understand these exclusions better — 

• Treatment that’s not considered medically necessary 
• Obesity and related conditions
• Programmes related to smoking cessation
• Baldness and hair fall
• Sleep disorders
• Injuries or health conditions due to participation in professional sports
• Cosmetic treatment — unless deemed medically necessary 
• Pre-existing health conditions that are not declared at the time of purchase/renewal

Important: For both inclusions and exclusions, check your policy documents since the particular terms may vary. 

How to Choose AED 5 Million Health Insurance in UAE?

Finding the right policy for yourself is not just about the maximum coverage amount. Rather, you need to check whether the plan meets your specific requirements. Take a look at some points to consider —

• Check coverage — AED 5 million is a high coverage limit for medical insurance in the UAE. At the same time, you can find plans with higher and lower coverage too — think of AED 500,000, AED 1 million, or AED 7.5 M policies. Depending on your requirements, you may find AED 5 M good or go for any other amount.
• Understand your health and daily lifestyle — Go for a policy that not only gives high cover but also meets your requirements as per your age, medical history, travel frequency, and more. For instance, if you travel frequently, choose a plan with global coverage. 
• Take a look at the network — Ideally, your plan’s network should include your preferred specialists and hospitals. Also, check whether the network is spread across the countries you’re most likely to travel. 
• Don’t forget the deductibles and copayments — While your policy may have high coverage, you still need to pay certain expenses by yourself. For instance, some plans have 10% coinsurance on maternity — you’ll pay 10% of the total costs from your own pocket. Check these figures carefully.
• Explore the maternity benefits — If you have kids or are planning to start a family, be extra careful in understanding the maternity cover. Check the waiting period (if any), provision for newborn cover, normal delivery and C-section, and more. 

With Policybazaar.ae, you don’t have to worry about any complex terms or conditions. With us, you can find the best policy that covers you when you need help the most. Use filters, check plans from the top insurers, and get the right coverage — all from the comfort of your home!

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