Starting next year, it is becoming mandatory for everyone to get health insurance all across the UAE, and this includes Ajman as well.
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.
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 |
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.
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.
Individuals in the following categories should consider purchasing medical insurance Ajman —
There is a right time for everything and it depends on various factors, such as —
Medical insurance Ajman comes with numerous features and benefits:
Common exclusions in health insurance plans can include:
Typical inclusions in health insurance policies cover —
Filing a claim can be done through two main processes —
2. Out-of-Network Hospitals
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 —
That’s it! Getting Health Insurance is a breeze through Policybazaar UAE.
All residents of Ajman need to have at least basic health insurance coverage, as per the local health authorities regulations.
Ajman offers various plans, including Individual or Group health insurance, family health insurance, and critical health insurance.
Most plans cover doctor consultations, hospital stays, surgeries, emergency treatments, diagnostics, and medications.
Yes, common exclusions include undeclared pre-existing conditions, cosmetic procedures, and injuries related to war or self-harm.
Typically the lowest premium starts from AED 366 per year. This cost varies by provider and plan.
The minimum and maximum ages are 0 years (newborns) and 99 years, respectively.
Health Insurance Dubai | Dubai Health Insurance Cost | Health Insurance for Kids | Health Insurance Plans for Family | Dental Insurance | Individual Health Insurance | Health Insurance Abu Dhabi | Medical Insurance Sharjah | How to check Medical Insurance status with Emirates ID | Best Medical Insurance in UAE | Health Insurance for Parents | Maternity Insurance UAE