Medical Insurance in Ajman

Starting next year, it is becoming mandatory for everyone to get health insurance all across the UAE, and this includes Ajman as well.

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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.
The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

The health insurance market in Ajman has expanded significantly, offering diverse plans that cater to individual and family needs. These plans also include coverage for general health risks, chronic and pre-existing conditions. 

With the right insurance, you can not only mitigate such risks but also have access to a network of approved healthcare professionals, ensuring timely medical attention. 

This guide explores the various aspects of medical insurance Ajman to help you make informed decisions and find the best plan for your needs. 

Overview of Health Insurance in Ajman

By purchasing medical insurance Ajman you can manage treatment costs during emergencies, alleviating financial stress. 

Here are the important details to note while purchasing health insurance in Ajman —
 

Parameter

Details

Premium of Insurance

Varies by provider and plan, typically starting from AED 366/year

Inclusions

Covers doctor consultations, surgeries, hospital stays, medications, and emergency treatments

Policy Renewal

Annual renewal with potential no-claim bonuses or discounts for early renewal

Pre-existing Conditions

Coverage available after a waiting period of 6 months to 1 year (depending on the plan)

Network Hospitals

Access to a wide network of public and private hospitals across the UAE, including Ajman

Minimum Entry Age

Newborn babies

Maximum Entry Age

99 years

Best Health Insurance in Ajman

Several reputable companies provide medical insurance Ajman. Each offers unique features and coverage options. 

Some of the top health insurance companies in Ajman include —

Best Health Insurance in Ajman

Medical Coverage (AED)

Pharmacy Cover (AED)

Premium (Yearly)

Dubai Insurance - Ecare Blue

1,000,000

Up to 5,000

AED 1,355

Orient Insurance - NEMed Life 

75,000

Up to 1,000

AED 389

Sukoon Insurance - Safe

1,50,000

Up to the Medical Cover

AED 2,842

Takaful Emarat Basic IP Only NE

60,000

Up to Medical Cover

AED 366

Watania Takaful NAS - Plan A

75,000

Up to 1,500

AED 539

Sukoon Insurance Select

6,239,000

Up to Medical Cover

AED 18,948

Hayah Tier 1 (Regional) Mednet Green

1,000,000

Up to 10,000

AED 3,651

Disclaimer: The above-mentioned premiums are for a 30-year-old single male, residing in Ajman, falls within the salary bracket of above AED 10,001, and is an Emirati. Please keep in mind that premiums can vary according to your personal information, such as age, residency status, income, and other considerations. Always verify with your insurance provider to get the most accurate and personalised quotation.

Types of Medical Insurance Ajman

Medical Insurance Ajman is categorised into four main parts —

Basic Plans: These plans cover essential healthcare services such as doctor visits, outpatient treatments, and hospitalisation for common illnesses and injuries.

This is a more affordable option for individuals seeking essential coverage without extensive benefits for critical conditions.

Comprehensive Plans: These plans provide extensive coverage, including both basic and critical medical needs. In addition to basic inclusions, comprehensive plans often cover surgeries, emergency care, maternity services, and treatments for chronic or serious illnesses.

It offers a higher level of protection and is ideal for those seeking broader healthcare coverage.

Individual Health Insurance: This type of insurance covers one person. It provides coverage for doctor visits, hospital stays, surgeries, and medications after paying a certain amount of premium. It is ideal for those without employer-sponsored plans or for those seeking more personalised coverage.

Family Health Insurance: It provides individual policies for each family member rather than a single unified plan. This ensures that everyone’s age and health requirements are covered for both routine and emergency medical care. 

Group Health Insurance: Typically offered by employers, this coverage provides health benefits to employees and sometimes their dependents. 

These plans are cost-effective for companies, offering essential coverage for doctor visits, hospital care, and emergency services. Coverage may differ depending on the employer’s plan.

Senior Citizens Insurance: Designed for individuals aged 60 or older, this insurance covers the unique healthcare needs of senior citizens, including treatment for chronic conditions, hospital stays, and specialist consultations. Some plans may cover pre-existing conditions after a waiting period.

Note: For a better understanding you can read our detailed article on Different Types of Health Insurance available in UAE.

Who Should Buy Health Insurance in Ajman?

Individuals in the following categories should consider purchasing medical insurance Ajman —

  • Residents: All Ajman residents, including citizens and expatriates, should have health insurance to safeguard against high medical costs and ensure access to care.
  • Self-Employed Individuals: Freelancers and self-employed individuals need personal health plans, as they often lack employer-provided coverage.
  • Individuals with Pre-existing Conditions: If you have a chronic illness, having insurance is vital for managing ongoing treatment and medications.
  • Senior Citizens: Older adults often face increased health risks and should opt for specialised plans that cover age-related medical needs.
  • Employees: Those not covered by employer health plans should seek individual insurance to ensure they meet their specific healthcare needs.
  • Families with Children: Parents should consider separate policies for each child to cover regular check-ups, vaccinations, and potential emergencies.
  • Expecting Parents: If you plan to start a family, securing a health plan with maternity coverage is essential for managing costs associated with pregnancy, childbirth and postnatal care.

When is the Right Time to Purchase Medical Insurance Ajman?

There is a right time for everything and it depends on various factors, such as —

  • Relocating to Ajman: Buy Ajman visa medical insurance as soon as you move to ensure coverage from day one in your new location.
  • Starting a New Job: If your employer doesn’t provide coverage, get a personal policy right away to protect yourself against medical emergencies.
  • Before Health Issues Arise: Purchase insurance while you are healthy to avoid higher premiums or coverage challenges later.
  • Approaching Retirement: Secure a health insurance plan as you age to address increasing medical needs effectively.

Features and Benefits of Health Insurance in Ajman

Medical insurance Ajman comes with numerous features and benefits:

  • Cashless Treatment: Access to a network of hospitals that allows for cashless claims, reducing upfront costs during medical treatment. You can receive the right care without immediate payment. 
  • Comprehensive Coverage: Plans often include pre and post-hospitalisation expenses, ambulance services, and routine check-ups. Having both options ensures you’re protected from all types of medical emergencies. 
  • Vast Network of Hospitals: Medical insurance Ajman allows you to choose from an extensive network of hospitals, clinics, and healthcare providers. This ensures that you get quality treatment close to your home. 
  • Copayments and Deductibles: You can enjoy the flexibility of copayments and deductibles. These options allow you to select plans with lower premiums in exchange for a portion of the costs. 

Medical Insurance Ajman — Exclusions

Common exclusions in health insurance plans can include:

  • Undeclared health conditions 
  • Cosmetic procedures and obesity treatments
  • Injuries related to war, terrorism, or self-inflicted harm
  • Growth hormone therapy unless medically necessary
  • Expenses related to vision and hearing aids or hearing exams

Medical Insurance Ajman — Inclusions

Typical inclusions in health insurance policies cover —

  • Inpatient and outpatient services
  • Emergency room visits and hospitalisation
  • Routine health check-ups
  • Prescription medication 
  • Declared health conditions
  • Diagnostic tests

How to file a Health Insurance Claim in Ajman?

Filing a claim can be done through two main processes —

  1. Network Hospitals
  • Cashless Claims: If treated at network hospitals, the insurer can settle the bills directly.
  • Direct Payment: Insurance providers pay the hospital directly for your treatment.

2. Out-of-Network Hospitals

  • Initial Payment: You must pay for your treatment upfront.
  • Reimbursement Process: Submit original invoices and required documents to your insurer.
  • Verification: Upon successful verification, the insurer will reimburse the claim amount.

How to Apply for Health Insurance in Ajman?

You can easily secure health insurance for yourself and your family through Policybazaar.ae. 

Our platform features top plans from leading health insurance companies in Ajman, along with exclusive offers and discounts.

Follow these steps to apply —

  • On Policybazaar.ae,select ‘Health Insurance’ under ‘Insurance’ drop-down.
  • Add the required details to go to the quotes page
  • Compare the plans and select the right one for yourself.
  • Fill out all the information and click on ‘Proceed’.

That’s it! Getting Health Insurance is a breeze through Policybazaar UAE. 

Is health insurance mandatory in Ajman?

All residents of Ajman need to have at least basic health insurance coverage, as per the local health authorities regulations.

What types of health insurance plans are available in Ajman?

Ajman offers various plans, including Individual or Group health insurance, family health insurance, and critical health insurance.

What is typically covered by health insurance in Ajman?

Most plans cover doctor consultations, hospital stays, surgeries, emergency treatments, diagnostics, and medications. 

Are there any exclusions in health insurance policies?

Yes, common exclusions include undeclared pre-existing conditions, cosmetic procedures, and injuries related to war or self-harm. 

What is the average premium of health insurance in Ajman?

Typically the lowest premium starts from AED 366 per year. This cost varies by provider and plan. 
 

What is the minimum and maximum entry age for health insurance in Ajman?

The minimum and maximum ages are 0 years (newborns) and 99 years, respectively.

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