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AED 1 million Health cover starting @4/Day
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The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

In an era where healthcare expenses are skyrocketing, health insurance has become absolutely crucial. With the escalating costs of medical treatments and the relentless race to avail top-notch services from your preferred hospital, health insurance emerges as the undisputed hero—providing financial security whilst ensuring access to superior healthcare. 

Multiple health insurance providers are available in the UAE and offer numerous health insurance plans with unique features and benefits. However, it's important to note that all health insurance plans vary in coverage, premium amount, and more. 

You may often gravitate towards cheaper plans with lower premiums, oblivious to the fact that you may be missing out on a host of crucial benefits due to inadequate coverage. As you navigate this intricate terrain, obtaining a comprehensive checklist to cover all vital areas becomes important.

This article aims to provide you with a checklist that will empower you to make a well-informed decision, which, in turn, can help you find a policy that perfectly aligns with your healthcare needs.

Waiting Period

The waiting period is the timeframe during which certain ailments or treatments are not covered by your insurance provider. The length of the waiting period can vary from policy to policy - this also extends to the specific conditions or treatments that this period applies to.

For instance, a common application of the waiting period is for pre-existing conditions. If you have a health issue prior to purchasing the insurance, coverage for treatments relating to that issue may not be covered until the waiting period is over. This could be months or even years, depending on the insurance provider and the specifics of your policy.

Getting a health insurance policy with a minimal waiting period is highly advantageous. A shorter waiting period means your insurance coverage starts more quickly, making it possible to claim benefits sooner rather than later. It's advisable to read the policy's terms and conditions and pay special attention to the waiting period clause before finalising your purchase. 


Co-payment is another critical element to understand when choosing a health insurance policy. Also known as ‘co-pay’, it refers to the portion of the medical expenses that you are required to pay out-of-pocket, while the rest is covered by the insurance provider.

For instance, if your policy has a co-payment clause of 20%, and you incur a medical bill of AED 1,000, you'll be required to pay AED 200 yourself, with the remaining AED 800 being paid by your insurance company.

Co-payment can significantly influence the affordability of your health insurance plan. Generally, policies with higher co-payment percentages tend to have lower premium rates because the insurance company's potential payout in case of a claim is reduced. However, as the policyholder, this also means that you bear a larger portion of any medical costs.

Preventive Health Check-Up

Preventive health check-ups, also known as preventative care, make for a pivotal feature of several health insurance policies. They involve routine medical screenings and check-ups to detect potential health issues before they become serious problems. This can include services like annual physicals, immunisations, lab tests, screenings for diseases like cancer or heart disease, and counselling for health-related issues.

When considering a health insurance policy, it's advisable to check whether it includes coverage for preventive health check-ups. Policies that cover these services can provide significant value, as they encourage and financially support you to proactively manage your health. However, as the specifics of what is covered under preventive care can vary widely from one policy to another, it's important to read the terms and conditions carefully to understand what is included.

Grace Period

Another key term in your health insurance policy is ‘grace period’. This is the duration after the premium payment due date during which the policy remains in effect despite the premium not being paid. You can still pay the premium without penalty during this period, and the policy will continue to provide coverage. 

The length of the grace period can vary as per the insurance policy and the regulations of the jurisdiction in which it is offered. For instance, some policies may provide a grace period of 30 days, while others may offer a grace period of 15 days or even longer.

Understanding the grace period is crucial because it gives flexibility regarding when you need to make your premium payments, helping avoid accidental lapses in coverage. Nevertheless, paying premiums on or before the due date is always recommended to ensure uninterrupted coverage.

No Claim Bonus

No claim bonus or no claim discount is a reward system for policyholders who do not make any claims during a specific policy term. It is generally offered in the form of a premium discount or an increase in the sum assured for the following policy term. The primary motive of the claim bonus is to encourage you to prioritise preventive care, maintain good health, and avoid unnecessary or frivolous claims. 

When selecting a health insurance policy, you should check if this benefit is included and understand the terms and conditions associated with it such as the percentage of the discount or the extent of the increase in coverage that can be earned.


A sub-limit sets a maximum limit or cap on the amount that the insurance company will pay for a particular category of expenses even if the overall sum assured is higher. For instance, let's say you have a health insurance policy with a sub-limit of AED 1,000 for room rent. If you are admitted to a hospital and the room rent exceeds this sub-limit, you will be responsible for paying the difference out of pocket. In this case, if the actual room rent is AED 1,500, the health insurance company will only reimburse you up to the sub-limit of AED 1,000 and you will have to bear the remaining AED 500.

Ideally, you should opt for a health insurance policy with no sub-limits. This would help you raise a claim up to the sum assured amount without any hassles. To know more about the sub-limits of your health insurance policy, you should read the clause associated with sub-limits in your policy documents.

Network Hospitals

Network hospitals are healthcare institutions that have entered into an agreement or tie-up with the insurance provider to offer cashless treatment to policyholders. When you choose a health insurance policy that includes a network of hospitals, you can avail of medical services at these network hospitals without having to make upfront payments.

When considering health insurance options, selecting a company that has an extensive network of hospitals across the UAE is advisable. This increases the likelihood of accessing cashless treatment conveniently in your local area. Before finalising a health insurance policy, it is essential to review the list of network hospitals provided by the insurance company. This way, you can ensure that reputable healthcare facilities within the network are easily accessible to you.

Final Takeaways

Choosing the right health insurance policy requires careful consideration of various factors. The checklist provided above highlights key aspects such as the waiting period, co-payment, preventive health check-ups, grace period, no claim bonus, sub-limits, and network hospitals. Understanding and evaluating these factors will empower you to make an informed decision that aligns with your healthcare needs and financial goals. 

It's essential to thoroughly read the policy terms and conditions, compare multiple insurance providers, and assess the coverage and benefits offered. By doing so, you can make sure that you choose a health insurance policy that provides comprehensive coverage, financial security, and access to quality healthcare services when you need them the most.

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