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Since health insurance in the UAE is compulsory for all residents, insurers in the UAE come with several affordable health insurance plans. As a UAE national or working individual, you may get complementary health insurance, however, it is not an obligation for your employer to provide you with medical coverage. Therefore, several companies don’t offer insurance benefits and individuals need to look for viable options to receive the medical benefits.
Further, with an extensive insurance market, UAE offers a host of medical insurance plans offering an array of benefits. Along with that, the coverage includes treatment costs of medical conditions ranging from minor checkups to even life-threatening diseases. Additionally, you can cover all your family members within a single plan, ensuring that it is cost-effective and falls right within your budget. As we go along, the article below brings you the details of affordable health insurance plans in the UAE along with their features and benefits.
With medical care becoming expensive day by day, it is crucial to opt for health insurance that bears the cost of your treatments and regular checkups. However, not all health insurance plans in the UAE are cheap or affordable. Over and above, individuals with low salaries often find it difficult to purchase a health plan as per their family and personal requirements. Thus, keeping this in mind, insurance companies in Dubai have started offering essential benefits plans (EBPs) for individuals, their spouses, and children supporting their financial wellbeing and health.
Usually, the essential benefits plans are the most viable options for individuals with salaries below AED 4,000. This is because, it includes basic medical checkups such as diagnostic tests, general treatments, and surgeries for non-life-threatening diseases. However, you may need prior approval from the insurer for health conditions that are not covered in the EBP.
Offered at low costs, EBPs are normalised health plans with premiums ranging from AED 550 to 650 per year with an annual medical coverage of AED 150,000. Albeit, you may opt for higher insurance premiums depending on various plans and coverages.
A leading nation in providing healthcare services in the Gulf region, UAE houses a myriad of insurance companies offering numerous health insurance with impeccable benefits at affordable costs. Here is the list of insurance companies offering cheap and affordable health insurance plans in the UAE. So, pick up the threads as we tread along to know about the best and affordable health insurance plans in the UAE for you!
Founded in 1991, Dubai National Insurance and Reinsurance Company (DNIRC) is amongst the first insurance companies to be listed in the Dubai Financial Market. In comparison to its competitors, DNIRC offers some of the cheapest health insurances in the UAE. In addition, the plan covers the policyholder and his/her family against a range of health issues, including hospital charges, therapies, and so on.
Features of DNIRC Health Insurance Plans
AXA Insurance Company is one of the largest and oldest insurance companies in the world. In the UAE, the company is providing insurance services for the past 70 years and has significant experience in offering specific health plans depending upon requirements of individuals. Besides, with more than 3000 hospitals in its network, AXA offers health insurance with global standards. Beyond that, the company has a great deal of plans and products for individuals coming from all segments.
Features of AXA Health Insurance Plans
With a legacy of over 150 years, Metlife is amongst the world leader in providing health insurance. Moreover, for the past 60 years, it has been offering its world-class health insurance plans to UAE nationals and residents. Metlife health insurance plans cover various medical expenses from regular consultations to emergency services, including diagnostics and preventive care.
Features of Metlife Health Insurance Plans
With a paid-up capital of whopping AED 1.21 billion and over 40 years of experience, Salama Takaful (Islamic Arab Insurance Company) is the largest and the oldest shariah-compliant takaful company globally. In addition, Salama health insurance plans offer direct billing across a network of 4,000 hospitals in the UAE and also provides worldwide medical coverage.
Features of Salama Health Insurance Plans
Established in 2008, Takaful Emarat is amongst the fastest emerging shariah-compliant health insurance providers in the UAE. Further, with several medical plans, the company covers individuals from all financial segments. Further, Takaful Emarat medical plans are one of the cheapest health insurance plans in the UAE. Additionally, the company offers quick and convenient online medical claim settlements.
Features of Takaful Emarat Health Insurance
With numerous companies offering a variety of medical plans in the UAE, it can be hard to find the most affordable health insurance for yourself and your family. Therefore, to ease out your research process, we have compiled a list of affordable health insurance plans in the UAE as mentioned below.
|Medical Insurance Plan||Key benefits||Starting Annual Premium Cost|
|Axa Medical Insurance||
||AED 761 (for domestic help) AED 1312 (for dependent members)|
|National Health Insurance Company||
||AED 615 (for domestic help) AED 800 (for dependents)|
||AED 550 (for domestic help) AED 751 (for dependents)|
While choosing an affordable health insurance in the UAE, you must ensure the genuinity and reliability of your plan. In addition, there are several factors that you should take into account to have an enhanced coverage along with hassle free claims.
Health care services are expensive and individuals require health insurance plans to meet their medical expenses. Additionally, a health insurance is mandatory for every individual in the UAE. While most UAE residents and nationals receive medical insurance benefits through their employers, a few need to buy it separately. Withal, individuals with low monthly incomes require affordable plans for meeting their medical expenses, so they can refer to the article above while making their decision of buying a health insurance plan in the UAE.