Health insurance is essential for effectively managing your medical costs. It not only covers expenses like hospital bills, diagnostic tests, and costs before and after hospitalisation but also offers added security for you and your family during tough times.
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Takaful Emarat
Plan NameECARE BLUE
Medical Cover (AED)150,000
Starting FromAED 5,391/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
HAYAH Insurance
Plan NameBlue
Medical Cover (AED)150,000
Starting FromAED 5,739/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Blue
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Insurance
Plan NameHealth Plus - Plan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,553/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Cigna
Plan NameHealthguard Regional
Medical Cover (AED)2,750,000
Starting FromAED 35,608/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
General
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
GIG Gulf (Previously AXA)
Plan NameGlobal
Medical Cover (AED)7,500,000
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Fidelity United
Plan NameHealth First Plan G
Medical Cover (AED)500,000
Starting FromAED 5,083/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP C/RN3
Clinic Only
Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Dubai Insurance
Plan NameDubaiCare Next N5
Medical Cover (AED)1,000,000
Starting FromAED 6,097/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Takaful Insurance
Plan NamePlan 5
Medical Cover (AED)1,000,000
Starting FromAED 6,553/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
RAK Insurance
Plan NameNextcare RN3
Medical Cover (AED)1,000,000
Starting FromAED 6,787/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Plan NameEssential
Medical Cover (AED)150,000
Starting FromAED 7,350/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Clinic With Specialist
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Adamjee
Plan NameSilk Road
Medical Cover (AED)1,000,000
Starting FromAED 10,245/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
Clinic and GP Only
Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Watania Takaful (Previously Noor Takaful)
Plan NameNAS NRICare Plan 6
Medical Cover (AED)1,000,000
Starting FromAED 11,058/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Insurance (Prev. Oman Insurance)
Plan NameSafe
Medical Cover (AED)150,000
Starting FromAED 11,325/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Vital Network
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Abu Dhabi National Insurance Company
Plan NameBronze
Medical Cover (AED)250,000
Starting FromAED 17,993/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Allianz
Plan NameSelect Pearl (Comprehensive excl CCAD network)
Medical Cover (AED)6,426,800
Starting FromAED 69,491/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Clinic + Hospital Access
You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Considering the substantial rise in medical costs in recent years, it’s crucial to have health insurance in UAE. However, when you go out to compare the options, whether in Fujairah or any other Emirate, you can find many insurance providers, which can cause confusion.
To help you out, we have covered the top health insurance companies in Fujairah.
List of the Top 10 Health Insurance Companies in Fujairah for 2024
Check out the top-rated insurance companies in Fujairah that offer medical coverage options for individuals and families —
Insurer
Establishment Year
Network
Key Highlights
Adamjee Insurance
1959
MedNet
Worldwide coverage
Covers out-patient treatment, chemotherapy and radiation therapy, physiotherapy, coronary artery disease treatment, organ transplantation, maternity costs, vaccinations, and more
Takaful Emarat Insurance
2008
Next Care (RN3, RN2, RN, GN and GN+)
Global coverage
Prescription drug cover
Dental benefits (under emergencies)
Covers physiotherapy sessions, maternity costs, and diagnostic tests
Dubai Insurance Company (DIC)
1970
MedNet, Dubai Care, etc
Worldwide coverage
Offers dental, maternity and newborn cover
Covers alternative medicine, emergency treatment, adult vaccinations, and more
Watania Takaful Insurance
NA
NAS
Global coverage
Covers in-patient and out-patient treatments, emergency care, dental care, home nursing, and more
Orient Insurance
1982
Next Care and MedNet(RN3 and PCP)
Global coverage
Covers emergency treatment, maternity costs, preventive services, and vaccines
In-patient, out-patient, and neonatal cover
Al Sagr Insurance
1979
Next Care
Global coverage
Offers maternity benefits
Covers in-patient and out-patient services, emergency treatment, vaccines, laboratory tests, radiology diagnostics, and preventive care
Dubai National Insurance (DNI)
1991
NA
Worldwide coverage
Comprehensive plans
Easy customisation
Covers in-patient and out-patient services, maternity, dental, optical, and annual checkups
Abu Dhabi National Insurance Company (ADNIC)
1972
MSH
Global coverage
Covers pre-existing and chronic conditions
Provides maternity cover
Covers diagnostics
Psychiatry covered
Alliance Insurance
1975
Next Care (GN, RN2 and RN)
Worldwide coverage
Pre and post-hospitalisation benefits
In-patient, out-patient, and daycare cover
Union Insurance
1998
NA
Global coverage
Maternity, basic elective, and emergency coverage
Covers preventive procedures, vaccination, existing conditions, radiotherapy, and more
Best Health Insurance Companies in Fujairah
Let’s dive deeper to know more about some of the best medical insurance companies in Fujairah —
Adamjee Insurance
Incorporated as a Public Limited Company in 1960
Listed on Pakistan Stock Exchange Limited
Offers tailor-made plans covering different needs of individuals, families, and corporations.
Provides premium healthcare services at highly affordable rates
Takaful Emarat Insurance
Shariah-compliant health and life insurance provider
Comprehensive health insurance plans for individuals, families, and businesses
Multiple plans for different needs and budgets
Dubai Insurance Company
Offers affordable basic coverage options to all-encompassing premium plans for individuals and families
Cost-effective health insurance plans for UAE nationals and expats
Basic to comprehensive insurance plans for families and elderly groups
Dubai National Insurance and Reinsurance Company
Amongst the first companies listed on the Dubai Financial Market
Provides cost-effective plans for individuals and families
Collaboration with top-notch third-party administrators to offer medical claim services
Supported by reputable reinsurers such as Munich Re, Swiss Re, and SCOR
Abu Dhabi National Insurance Company
Leading regional insurer headquartered in Abu Dhabi
Offers insurance solutions for individuals, families, and corporations
Partnership with MSH International
Provides comprehensive coverage along with prompt customer service
Alliance Insurance
Comprehensive health insurance plans for individuals, families and businesses
206% average solvency ratio for the last 4 years
Knowledge-driven insurance solutions to eliminate risk
Rated ‘A-’ based on credit rating and financial strength by AM Best
Union Insurance
Licensed by the United Arab Emirates Insurance Authority
Listed on the Security Exchanges of Abu Dhabi
Offers a comprehensive range of retail and commercial insurance products
Top-rated insurance solutions with competitive premiums
How to Select the Best Health Insurance Company in Fujairah?
When zeroing in on the best health insurance company in Fujairah, be mindful of the following —
Analyse different coverage options to understand whether they meet your specific health needs
Consider the network of the insurer to know if it includes your preferred doctors and hospitals
Look for value-added services such as wellness programmes and international coverage
Verify if the insurer is licensed and regulated by the UAE insurance authority
Understand the insurer’s reputation in the market to know if it is reliable
Check out customer service ratings to gauge insurer’s responsiveness and service quality
Why Compare Health Insurance Companies in Fujairah?
When it comes to finding the best medical coverage, comparing insurance companies in Fujairah is vital because it helps you —
Identify the best value for money
Get the most comprehensive coverage that meets specific health needs
Assess additional benefits and exclusions to avoid paying out of pocket unexpectedly
Review network hospitals for accessibility and convenience
Understand the level of customer service offered, which is important during the claim process
Notably, on user-friendly online platforms like Policybazaar.ae, you can easily compare different insurance options without any hassle.
Q1. Is health insurance mandatory in Fujairah?
Currently not, but health insurance is set to be mandatory in Fujairah from January 2025.
Q2. Which is the best medical insurance company in the UAE?
Although the best health insurance company will depend on your specific requirements, some of the top companies include Orient Insurance, Al Sagr Insurance, Watania Takaful, Sukoon Insurance, Cigna, and more.
Q3. How much does it cost to get health insurance in Fujairah?
There’s no set health insurance cost in Fujairah or any other Emirate. Premiums depend on your coverage limit, age, health conditions, and more.
She brings over 4 years of experience writing in the finance and insurance space. Her goal is to simplify health insurance jargon, making it easy for readers to understand, compare and choose the right coverage with confidence.
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