Maternity Insurance UAE

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 usually include prenatal care, delivery costs, postnatal care, and newborn care. This comprehensive support allows expectant mothers to focus on their health and well-being without the added stress of medical bills. ...read more

next-icon
HEALTH INSURANCE
AED 1 million Health cover starting @4/Day
Selecting health insurance for
  • Self Only
  • Both Self and Family
  • Family without Self
  • Domestic Workers
  • Investor
health-banner
Health Insurance

4.6/5

20020

google-logoReviews
Worldwide-Coverage-bgcode_e7f8ee
Worldwide Coverage
Wide-choices-bgcode_fcf5e5
Wide Choices
Expert-advice-bgcode_fcf0f0
Expert Advice

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

 

What is Maternity Insurance Coverage in Dubai?

As the name suggests, maternity insurance covers the costs related to pregnancy. It starts from regular check-ups and medications, extending to delivery and hospitalisation expenses. Most maternity insurance plans in Dubai also provide coverage for the newborn for around 30 to 60 days. 

The primary goal of pregnancy insurance 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 maternity insurance is not a standalone product in the UAE. Instead, it is included as part of comprehensive health insurance plans. This means that insurance for pregnant women falls under the broader category of health insurance.

insurer your health insurance

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. 

Why is Maternity Insurance Mandatory in Dubai?

The primary reason for the mandatory status of insurance for pregnant women in Dubai is to make sure that all expectant mothers get the necessary medical care without financial burden. 

Pregnancy and childbirth can be very expensive — having good pregnancy insurance helps families manage these costs effectively. 

Health insurance offer banner

What Does Mandatory Maternity Insurance Include?

Every pregnancy insurance plan in Dubai must meet the minimum requirements set by the DHA, which include coverage for essential prenatal, delivery, and postnatal care.  

Let’s take a look at the essential requirements of maternity insurance — 

  1. Prenatal Care: It includes regular consultations with obstetricians, essential tests like bloodwork and ultrasounds, and other necessary prenatal check-ups. The Dubai Health Authority (DHA) mandates coverage for 8 prenatal visits, 3 ultrasound scans, and initial blood tests with a maximum copayment of 10%​. 
  2. Delivery Costs: Coverage for hospital stays during delivery is also included. The DHA sets a coverage limit of AED 7,000 for normal deliveries and AED 10,000 for medically necessary caesarean sections, with a 10% co-payment. 
  3. Postnatal Care: This includes follow-up visits and medical care for the mother and newborn after delivery. 

Newborns are covered for at least 30 days from birth under the same indemnity limits as the mother's plan. Some premium policies extend this coverage up to 3 months​. 

Is Insurance for Already Pregnant Women Available in Dubai?

Generally, insurers in Dubai don’t provide insurance for already pregnant women. However, you may still find options available in the UAE. 

Here’s a comprehensive overview of what you need to know about maternity insurance for already pregnant women —

  1. Most insurance providers require a waiting period before maternity benefits can be claimed. This waiting period can range from 6 to 12 months as per the insurer. 

If you are already pregnant when applying for insurance, many standard plans may not cover the existing pregnancy. 

  1. Some insurers in Dubai may offer specialised maternity insurance for already pregnant women. These plans often come with a higher premium and may have specific terms and conditions that need to be met.
  2. If you are employed, check whether your employer’s health insurance plan includes maternity benefits without a waiting period. 

The Dubai Health Authority (DHA) mandates that all employers provide health insurance with maternity benefits to their employees, including dependents, which might cover immediate needs​. 

What Does Mandatory Maternity Insurance Include?

Every pregnancy insurance plan in Dubai must meet the minimum requirements set by the DHA, which include coverage for essential prenatal, delivery, and postnatal care.  

Let’s take a look at the essential requirements of maternity insurance — 

  1. Prenatal Care: It includes regular consultations with obstetricians, essential tests like bloodwork and ultrasounds, and other necessary prenatal check-ups. The Dubai Health Authority (DHA) mandates coverage for 8 prenatal visits, 3 ultrasound scans, and initial blood tests with a maximum copayment of 10%​. 
  2. Delivery Costs: Coverage for hospital stays during delivery is also included. The DHA sets a coverage limit of AED 7,000 for normal deliveries and AED 10,000 for medically necessary caesarean sections, with a 10% co-payment. 
  3. Postnatal Care: This includes follow-up visits and medical care for the mother and newborn after delivery. 

Newborns are covered for at least 30 days from birth under the same indemnity limits as the mother's plan. Some premium policies extend this coverage up to 3 months​. 

Is Insurance for Already Pregnant Women Available in Dubai?

Generally, insurers in Dubai don’t provide insurance for already pregnant women. However, you may still find options available in the UAE. 

Here’s a comprehensive overview of what you need to know about maternity insurance for already pregnant women —

  1. Most insurance providers require a waiting period before maternity benefits can be claimed. This waiting period can range from 6 to 12 months as per the insurer. 

If you are already pregnant when applying for insurance, many standard plans may not cover the existing pregnancy. 

  1. Some insurers in Dubai may offer specialised maternity insurance for already pregnant women. These plans often come with a higher premium and may have specific terms and conditions that need to be met.
  2. If you are employed, check whether your employer’s health insurance plan includes maternity benefits without a waiting period. 

The Dubai Health Authority (DHA) mandates that all employers provide health insurance with maternity benefits to their employees, including dependents, which might cover immediate needs​. 

What is Not Covered in ​​Maternity Insurance in UAE?

There are some aspects of maternity expenses that are not covered by most of the maternity insurance companies in Dubai. 

Pregnancy Before Insurance

Expenses related to existing pregnancies are usually not covered in a new maternity cover unless pre-existing conditions cover requirements have been met. 

New Born Cover after 30 Days

Newborns are only covered under maternity cover for 30 days after delivery. For any coverage beyond 30 days, the child has to be either induced in the family cover of the parents or the parent should get an individual health insurance plan for them.

Maternity Expenses Beyond Coverage Limit

Most health insurance companies have fixed limits that can be utilised for multiple births. However, once the limit is exhausted, no cover is provided.

Voluntary C-section Delivery

C-section delivery or caesarean delivery refers to the surgical delivery of a newborn. If a woman voluntarily chooses C-section delivery over normal delivery, the expenses incurred will not be covered. Only medically necessary C-sections are covered.

How to Choose the Best Insurance For Pregnant Woman in UAE

As there are several options available, it can be a tricky task to get the best health insurance for pregnancy. However, some certain tips and tricks can help you choose the best insurance for pregnancy. Follow the below given tips to find your ideal maternity plan: 

  • 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 plans and choose the best one for yourself.

Health insurance offer banner

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

Conclusion

Planning a family is a matter of great joy, however, planning your finances is an integral part of good parenting. Investing in a good 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.

Important Articles Related Health Insurance

How to Check Medical Insurance Status with Emirates ID Top 10 Health Insurance Companies
A to Z of Getting a Health Card in UAE Can You Buy Health Insurance for New Born Baby in UAE?
Where Can I Get Medical Help Without Having Health Insurance? Health Insurance for Dependents in Dubai
5 Best Health Insurance Plans in UAE for 2022 Is IVF covered by Health Insurance
Children Health Insurance How to Renew Daman Health Insurance Online?
Health Insurance Claim Settlement Delmicron – What is it and How is it Different from Omicron?
Dos and Don’ts of recovering from COVID-19 Free Annual Health Check-up - What is it and How you can get one?

More From Health Insurance