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 ...read more
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.
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.
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.
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.
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 —
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.
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.
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.
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 –
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.
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.
Now let us take a look at the best health insurance with maternity coverage in uae and the special maternity features offered by them:
Plan |
Features |
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Takaful Emarat Silver Health Insurance Plan |
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Plan |
Features |
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Takaful Emarat Platinum Health Insurance Plan |
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Adamjee Family Care plan offers worldwide coverage for emergency as well as elective treatment.
Plan |
Features |
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Adamjee Family Care - Silk Road |
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Adamjee Family Care plan offers coverage for medical emergencies as well as elective treatments.
Plan |
Features |
---|---|
Adamjee Family Care - Emerald |
|
Plan |
Features |
---|---|
Care Bronze DNE Without Dental |
|
Plan |
Features |
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Care Bronze DNE with Dental |
|
Plan |
Features |
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Shifa Silver Opt - 1 |
|
Plan |
Features |
---|---|
Shifa Bronze Opt - 1 |
|
Plan |
Features |
---|---|
Silver Classic |
|
Plan |
Features |
---|---|
Silk Road |
|
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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