Best Maternity Insurance Plans in UAE

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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.

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Benefits of Maternity Insurance in UAE

Before Delivery
During Delivery
After Delivery
Newborn Baby Coverage

Prenatal Visits and Checkups:

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.

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 —

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.

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?

Covered

Pre-natal checkups and tests

Doctor consultations and scans

Normal delivery costs

Medically necessary C-section

Epidural anesthesia coverage

Hospital stay after delivery

Post-natal follow-up visits

Newborn care for 30 days

Emergency pregnancy complications

Prescribed maternity medications

Not Covered

Pregnancy before policy purchase

Voluntary C-section delivery

Newborn care after 30 days

Non-prescribed maternity treatments

Maternity expenses beyond limits

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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.

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:

1. Takaful Emarat Health Insurance

Takaful Emarat Silver Health Insurance Plan

Plan	Features
Takaful Emarat Silver Health Insurance Plan	Coverage up to AED 7,000 with 10% co-insurance Cover in-patient as well as out-patient maternity services with a 10% co-pay Comes with a waiting period of 40 days (in case of pregnancy during this period, the inception of the policy lies with the company) C-Section cover - Up to AED 10,000 with 10% co-insurance

(B) Takaful Emarat Platinum Health Insurance Plan

Plan	Features
Takaful Emarat Platinum Health Insurance Plan	Coverage up to AED 20,000 with 10% co-insurance Maternity benefits come with a 10% co-pay which is to be borne by the insured Medicines are covered up to AED 10,000 Includes health check-ups and ante-natal ultrasounds Comes with a 30-day new born cover Offers global coverage

2. Adamjee Health Insurance

(A) Adamjee Family Care - Silk Road

Adamjee Family Care plan offers worldwide coverage for emergency as well as elective treatment.

Plan

Features

Adamjee Family Care - Silk Road

Cover in-patient as well as out-patient maternity services with 10% as the co-insurance clause that is to be paid by the insured
Free health check-ups are available
There is a 40-day waiting period (in case of pregnancy during this period, the inception of the policy lies with the company)
In the case of normal delivery, the coverage is up to a sub-limit of AED 10,000
Expenses due to complications/ medically required C-Section are covered to a sub-limit of AED 10,000
Maternity-related emergencies are covered up to AED 150,000

(B) Adamjee Family Care - Emerald

Adamjee Family Care plan offers coverage for medical emergencies as well as elective treatments.

Plan

Features

Adamjee Family Care - Emerald

Cover 10% co-payment for all out-patient maternity treatments, including maternity consultation
In-patient maternity treatments are covered but subject to pre-approval
For normal delivery, coverage of up to a sub-limit of AED 10,000 is provided
Expenses up to a sub-limit of AED 10,000 is covered for complication and C-sections
Any medical emergency related to maternity is covered up to a sub-limit of AED 150,000

3. Daman Health Insurance

(A) Care Bronze DNE Without Dental

Plan

Features

Care Bronze DNE Without Dental

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
Offers newborn cover for up to 30 days from birth

4. Abu Dhabi National Insurance Company (ADNIC)

(A) Shifa Silver Opt - 1

Plan

Features

Shifa Silver Opt - 1

10% co-payment limited to AED 30 on every maternity consultation
Covers out-patient services like physiotherapy treatment, pharmacy limit, lab and scan / x-ray, and minor surgery
Offers coverage up to AED 750 per day for In-patient services overseas and inside UAE but not outside network
Coverage is available for both elective and emergency treatments under in-patient services
20% co-payment limited to AED 30 on every consultation excluding maternity consultation.

(B) Shifa Bronze Opt - 1

Plan

Features

Shifa Bronze Opt - 1

Covers out-patient services like physiotherapy treatment, pharmacy limit, consultations, and lab scans / x-rays
Offers coverage for semi-private rooms under in-patient services
Coverage up to AED 400 per day is available outside network, inside UAE for emergency cases
Covers pre-existing and chronic conditions
Deductible per consultation is applicable as 10% up to AED 30 for maternity services and 20% up to AED 30 for other services

5. DNIRC

(A) Silver Classic

Plan

Features

Silver Classic

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

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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