Maternity coverage in health insurance is an essential benefit that provides crucial support during the pregnancy period. It helps women to be financially prepared for both the pre-natal and post-natal phases, covering a range of medical expenses associated with childbirth. The common coverages of maternity insurance in UAE usually include prenatal care, delivery costs, postnatal care and newborn care. The comprehensive maternity insurance packages in Dubai help expectant mothers to focus on their health and well-being without the added stress of medical bills. ...read more
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 1,025/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
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.
Orient Insurance
Plan NameI-Med
Medical Cover (AED)150,000
Starting FromAED 1,031/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Dubai National Insurance
Plan NameEssential
Medical Cover (AED)150,000
Starting FromAED 1,197/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.
RAK Insurance
Plan NameNextcare RN3
Medical Cover (AED)1,000,000
Starting FromAED 1,660/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.
Dubai Insurance
Plan NameDubai Care N4 (Remnto)
Medical Cover (AED)1,000,000
Starting FromAED 2,308/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
Dubai Care
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 2,420/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
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.
Orient Takaful Insurance
Plan NamePlan 4
Medical Cover (AED)1,000,000
Starting FromAED 3,837/Yearly
Network
The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN2
Plans shown as per selected filters. T&Cs apply
Plans shown as per selected filters. T&Cs apply
What is Maternity Insurance in UAE?As the name suggests, maternity insurance in UAE covers the costs related to pregnancy. It starts from regular check-ups and medications, extending to delivery and hospitalisation expenses. The best maternity insurance in the UAE provides coverage for the newborn for around 30 to 60 days.
The primary goal of maternity insurance UAE is to provide financial support so that you can have a comfortable pregnancy and a healthy postnatal period without any financial burden or hiccups.
It’s important to note that pregnancy insurance in the UAE is not a standalone product. Instead, it is included as part of comprehensive health insurance plans. This means that insurance for pregnancy in Dubai falls under the broader category of health insurance.
Maternity insurance in UAE covers regular prenatal visits to monitor the health of both the mother and the baby. These visits usually include consultations with obstetricians and routine checkups as per DHA protocols
Diagnostic tests and screenings:
These tests are essential to monitor the health of the mother and the baby and detect any complications early on
The list of tests includes
Blood Tests:
Full Blood Count (FBC) and Platelets, Blood Group, Rhesus status, and Antibodies
Infection Screenings:
VDRL for syphilis, HIV, and Hepatitis C for high-risk patients
Urine Tests:
MSU (Midstream Specimen of Urine) and urinalysis
Glucose Testing:
Glucose Tolerance Test (GTT) and Fasting Blood Sugar (FBS), especially for high-risk pregnancies
Ultrasound Scans:
Generally 3 scans are covered during the pregnancy period
Delivery Costs:
The best maternity insurance in UAE covers the costs of both normal and caesarean deliveries
The coverage includes
Normal Delivery:
Expenses related to a standard childbirth process
Caesarean Section:
Costs for medically necessary C-sections
Complications during Delivery:
Coverage extends to any complications that may arise during the childbirth process
Hospitalisation and Surgery:
Maternity insurance packages in Dubai cover hospital charges, including room charges (semi-private or private), surgical fees, anaesthesia, and other related hospital expenses during delivery.
Postnatal Care:
Coverage includes follow-up visits to monitor the mother's recovery and the baby's health. This involves medical checkups and consultations as per DHA guidelines
Postpartum Complications:
Maternity insurance UAE plans provide coverage for any medical complications that may arise after childbirth. This ensures that both the mother and the baby get the necessary medical attention without financial strain.
Initial Newborn Care:
Most maternity coverage insurance in the UAE plans extend coverage to the newborn for the first 30 days post-birth
The includes
Routine Checkups:
Regular health checkups for the newborn
Vaccinations:
Essential vaccinations and inoculations as per DHA or MOH schedules
Screening Tests:
Newborn screening tests for conditions such as Phenylketonuria (PKU), Congenital Hypothyroidism, and sickle cell screening
Hospital Stay:
Insurance generally covers the cost of hospital accommodation for the newborn, including any medical treatments required during the first 30 days of life
Is Maternity Insurance Mandatory in Dubai?
Yes, maternity insurance is mandatory in Dubai.
Under the Dubai Health Insurance Law (No. 11 of 2013), all employers must provide health insurance coverage that includes maternity benefits to their employees, including dependents. This law was fully implemented by the end of June 2016.
Maternity Insurance Rules and Requirements in the UAE
If you're planning to have a baby in the UAE, it’s important to understand that maternity insurance isn’t optional everywhere. In major Emirates like Dubai and Abu Dhabi, it’s regulated by law and must be included in your health plan if you're married.
Emirate
Regulatory Body
Requirement
Dubai
DHA (Dubai Health Authority)
Maternity insurance mandatory for married women
Abu Dhabi
Department of Health (Abu Dhabi Health Authority)
Coverage is compulsory in all health plans
Northern Emirates
Varies by insurer
Maternity cover not always included by default
Regulatory bodies in the UAE require that —
Married women must be offered mandatory maternity coverage in their insurance
There is a minimum waiting period, often 40 days to 12 months, depending on the maternity insurance plan
A defined minimum coverage limit must be included for maternity-related expenses
Once the waiting period is complete, the benefits must become active automatically
Even the most basic pregnancy insurance in UAE must include the following —
Doctor consultations
Prenatal checkups
Delivery (normal or medically required C-section)
Postnatal care
Newborn coverage for the first 30 days
Cost of Maternity Care without Pregnancy Insurance in UAE
Without pregnancy insurance UAE, families often end up paying out of pocket. This could be the case for everything — from doctor consultations to hospital delivery and newborn care. Let’s look at how the estimated costs look without maternity insurance —
Service
Average Cost (AED)
Notes
Normal Delivery
5,000 – 15,000
Depends on the hospital and complexity
C-Section Delivery
12,000 – 30,000
Higher if complications arise
NICU (Neonatal ICU) per day
3,000 – 5,000
For premature birth or newborn complications
Ultrasound scans (3 total)
1,200 – 2,000+
Usually done in different trimesters
Essential Newborn Vaccinations
1,000 – 2,000
BCG, Hepatitis B, and more
Epidural (partial or full cost)
1,500 – 3,000
Not always included in maternity packages
For instance, if a woman delivers via C-section and her newborn needs NICU care for 3 days, the total hospital bill could easily cross AED 40,000. Most plans under pregnancy insurance UAE cover these costs, depending on the plan type — basic, mid-tier, or premium.
Difference Between Direct Maternity Packages & Maternity Health Insurance
If you're pregnant or planning to be, you’ll often come across two options: maternity packages from hospitals and maternity insurance plans from insurance providers. While they may sound similar, they are very different in what they offer and what they leave out.
The given table highlights the difference between these two —
Feature
Maternity Package (Hospital)
Maternity Insurance (Health Policy)
Covers delivery (normal/C-sec)
✅ Yes
✅ Yes
Prenatal checkups & scans
✅ Limited (basic tests only)
✅ Extensive (consultations, scans, and more
NICU / newborn emergencies
❌ Not covered
✅ Covered (up to policy limit)
Newborn vaccinations
❌ Often excluded
✅ Included in many plans
Room upgrades / epidural
❌ Charged extra
✅ Covered in mid/premium plans
Hospital network choice
❌ Limited to that one hospital
✅ Multiple hospitals across UAE
Emergency coverage
❌ No
✅ Yes
Validity
Only for 9 months & delivery
Annual policy — may include 30-day baby cover
Out-of-pocket cost
High if complications occur
Lower — co-payment or none depending on plan
Let’s say you bought a maternity package for AED 10,000 at your preferred hospital. It includes your delivery and a few scans. But during childbirth, your baby needs NICU care for 2 days due to jaundice. That alone could cost AED 6,000 – 10,000 extra, not covered in your package. You'll have to pay it entirely by yourself.
However, if you had maternity insurance, most of this would already be covered as per your maternity plan type.
Types of Maternity Insurance Plans in the UAE
When it comes to maternity insurance UAE, there isn’t a one-size-fits-all policy. Different plans offer different levels of coverage, depending on your needs and budget. There are three main types of pregnancy insurance — basic, mid-tier, and premium.
Basic Maternity Insurance
This is the most affordable type of pregnancy insurance in UAE. It usually covers —
Up to AED 10,000 for delivery and related maternity expenses
Limited hospital network (small to mid-range clinics)
Co-payment may apply (you pay a small part of the bill)
Mid-Tier Maternity Insurance
These plans offer better coverage and access to more hospitals. The major features include —
Coverage of up to AED 15,000 – 20,000
Access to reputed hospitals like NMC, Medcare, or Aster
Covers more consultations and tests during pregnancy
Premium Maternity Insurance
These are top-tier plans with maximum benefits. They may offer —
Coverage from AED 50,000 to AED 150,000 or even full annual limits like AED 1 million
Zero co-payment options (you pay nothing out-of-pocket)
Access to VIP hospitals like King’s College, American Hospital, or select branches of Mediclinic
Covers all major pregnancy-related services, plus post-delivery newborn care
Important: Each of these options for insurance for pregnancy in UAE can be customised based on your preferred hospital, doctor, and health condition.
Is Maternity Insurance for Already Pregnant Women in UAE Available?
Yes, maternity insurance is available for already pregnant women in the UAE, but it often comes with specific terms and conditions. Insurance companies usually apply what is called "premium loading," meaning the cost of your policy will be higher than standard maternity insurance. This is because the insurer takes on a higher financial risk when covering maternity insurance already pregnant. Once you pay the loading amount, the coverage of maternity insurance in UAE starts from then day one.
It’s important to review the policy details carefully and speak with your insurer to understand what is covered and what isn’t when applying for maternity insurance already pregnant in UAE. This can help avoid unexpected costs and ensure you have the best possible coverage during your pregnancy.
Eligibility Criteria for Maternity Insurance in UAE
The table below highlights the essential parameters to keep in mind when considering the best maternity insurance in UAE –
Parameter
Eligibility Criteria
Age
Women aged between 18 to 45 years are eligible.
Marital Status
Divorced or single women are generally not eligible.
Waiting Period
No conception should occur within the waiting period, generally 45 days.
Planned Pregnancy
It is necessary to declare a planned pregnancy to the insurer.
After you meet these eligibility criteria, insurers may ask additional questions to assess your situation further. The answers you provide help insurers decide if you qualify for pregnancy insurance in UAE.
Here’s what they might ask –
Are you pregnant?
If you are already pregnant, insurers may decline your application or limit the coverage.
Are you planning to get pregnant?
If you’re not pregnant, they may ask if you are planning a pregnancy. Declaring a planned pregnancy upfront is necessary to avoid maternity insurance coverage issues later.
What is your Last Menstrual Period (LMP) date?
If your last menstrual period was within the last 30 days, there are typically no concerns. However, if it was more than 30 days ago, the insurer might request a non-pregnancy report to confirm you are not currently pregnant.
How Does Maternity Insurance Coverage Calculated in UAE?
Maternity insurance coverage in the UAE is determined based on the pregnancy status of the insured individual. Whether you are planning a pregnancy or already pregnant, insurers have different criteria and policies that affect the coverage provided.
Here’s a breakdown of how maternity insurance coverage is calculated in the UAE —
Maternity Insurance For Women Planning Pregnancy
For married women who are planning to get pregnant, pregnancy insurance in UAE typically covers both outpatient (OP) and inpatient (IP) services, depending on the plan chosen. However, in order to claim maternity benefits, most insurance companies require the individual to serve a waiting period before becoming eligible for maternity-related claims.
Waiting Period: The waiting period is generally 45 days, which means the insured woman should not conceive during this period. If the pregnancy occurs within the waiting period, any maternity-related claims will not be covered by the insurer.
Coverage After the Waiting Period: Once the waiting period is over, maternity claims can be made and coverage will be fully available for all eligible maternity-related expenses. The waiting period applies to first-time scheme members, but it is often waived upon policy renewal.
This type of coverage applies not only to women planning to conceive but also to those who may not be planning but are still eligible under the terms of the policy.
Maternity Insurance For Women Already Pregnant
If a woman is already pregnant at the time of applying for maternity insurance, the coverage process differs slightly. The insurer requires the individual to declare the pregnancy through a Medical Application Form. After the declaration, the insurer may apply additional charges, known as premium loading.
What is Covered & Not Covered in Maternity Insurance in UAE?
5 Lesser-Known Facts About Maternity Insurance in the UAE
When looking for maternity insurance in UAE, most individuals focus on basic coverage such as doctor visits and delivery costs. But there are several important things that many people don’t know. These lesser-known facts can significantly impact your planning, and help you avoid unexpected issues.
Maternity Insurance Is Not Mandatory Everywhere in UAE
Many people don’t realise that maternity insurance in UAE is only mandatory in some parts of the country. If your visa is issued in Dubai or Abu Dhabi, your employer is legally required to provide health insurance that includes maternity cover for you and your dependents. This includes pre-natal checkups, delivery and post-natal care. However, in the Northern Emirates like Sharjah, Ajman, or Ras Al Khaimah, pregnancy insurance in the UAE is not mandatory by law.
Your Baby Is Not Automatically Covered After Birth
Many parents assume their newborn is automatically added to the mother’s policy. In reality, most pregnancy insurance in the UAE covers the baby only for the first 30 days. After that, you must apply for a separate health insurance plan for your child.
Maternity Insurance in the UAE Has a Waiting Period
Most maternity policies require you to wait 6 to 12 months before you can use them. This means you must buy the policy well in advance if you're planning a pregnancy. If you're already pregnant, only a few insurers will accept your application — often with higher premiums or limited coverage.
Coverage Limits Can Be Very Different
One policy may offer AED 10,000 for delivery, while another gives AED 25,000. Many people don’t compare this properly and end up paying out-of-pocket. Always match the coverage with the actual hospital costs in your city.
Pregnancy May Be Treated as a Pre-Existing Condition
In the UAE, pregnancy is generally treated as a pre-existing condition by most private health insurance providers only if the applicant is already pregnant at the time of buying the policy. This matters because pregnancy insurance in the UAE often comes with a waiting period of 6 to 12 months before maternity benefits can be claimed. So, while insurers do provide maternity coverage, they usually require that the pregnancy begins after the policy starts. If you're already pregnant, you may still get maternity insurance in the UAE, but coverage will be limited and may exclude delivery or antenatal benefits unless you choose a specialised or employer-sponsored plan.
Cheap & Best Maternity Insurance in Dubai, UAE
Now let us take a look at the best health insurance with maternity coverage in uae and the special maternity features offered by them:
10% coinsurance is payable by the policyholder as co-payment for both in-patient and out-patient maternity services
Out-patient maternity services require pre-approval from the insurance company
For out-patient maternity services in Abu Dhabi, 10% coinsurance is payable by the insured in Cleveland Clinic Abu Dhabi and AED 50 for other providers
For out-patient maternity services outside Abu Dhabi, 20% coinsurance is applicable limited to a maximum of AED 50
Coverage of a maximum of AED 150,000 is offered for both in-patient and out-patient services, and complications too
Offers a newborn cover up to 30 days from birth
(B) Care Bronze DNE with Dental
Plan
Features
Care Bronze DNE with Dental
No waiting period is applicable if pre-requisition of uninterrupted coverage is satisfied
Co-payment of 10% coinsurance is payable by the insured for both in-patient and out-patient services
Requires pre-approval from the insurance company for out-patient services
The policy offers a maximum cover of up to AED 150,000 for both in-patient and out-patient services including complications
10% co-payment is payable by the policyholder for both in-patient and out-patient services
10% coinsurance is payable for out-patient services by the insured
A waiting period of 40 days is applicable during which maternity cover cannot be claimed
Up to AED 10,000 is allotted for normal delivery and C-section
Up to AED 150,000 is available in case of complicated and emergency cases
New Born Cover is applicable for 30 days
(B) Silk Road
Plan
Features
Silk Road
For both in-patient and out-patient services 10% co-payment applies to the policyholder
10% coinsurance is payable for out-patient services by the policyholder
A waiting period of 40 days applies to maternity cover
Up to AED 10,000 is allotted for normal delivery and C-section
Up to AED 150,000 is available in case of complicated and emergency cases
New Born Cover is applicable for 30 days from the date of birth
Which Insurance is Best for Maternity in UAE?
As there are several options available, it can be a tricky task to get the best maternity insurance in the UAE. However, some certain tips and tricks can help you choose the pregnancy insurance in the UAEFollow the below given tips to find your ideal maternity insurance –
The first step is to surf all the best possible options that also match your requirements to at least some extent.
Know your budget. It is vital to decide the premium that you can easily pay without burdening yourself.
The third step is to note down your expectations from maternity insurance.
The last step involves shortlisting the available options, comparing them thoroughly and picking the best one among them.
Policybazaar.ae provides you with a platform where you can have all leading health insurance companies in Dubai and their top plans at your disposal. You can easily compare several maternity insurance packages in Dubai on policybazaar.ae and choose the best one for yourself.
Over To You
Planning a family is a matter of great joy, however, planning your finances is an integral part of good parenting. Investing in a good maternity insurance plan at the right time, therefore, is crucial. Different policies offered by different insurance companies provide a wide range of benefits that are exclusive to each policy. Before opting for any insurance policy, make sure to read the fine print for all the policy details, terms, and conditions. Policybazaar.ae allows you to take into account the features of each plan that suits you. You can browse through different maternity plans and make a well-thought-of decision for your family.
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