# Premium Lock in Health Insurance: Freeze Today’s Premium Before Healthcare Costs Heat Up **Published:** 2026-06-03T04:58:56.553Z **Updated:** 2026-08-13T13:02:56.182Z **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/articles/premium-lock-in-health-insurance/ **We are Rated:** 4.7/5 **Review Count:** 46,158 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Trusted Customers:** 2 Million+ **Insurance Partners:** 35+ **Policies Sold:** 1 Million+ Let’s face it: growing older is non-negotiable, and so is medical inflation in the UAE. Every year, you look at your health insurance renewal quote, and it looks like your premium is ageing faster than you are. It often spikes by 20% to 25% due to age-band shifts and rising healthcare costs. Regulatory credentials Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))** DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries) Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf) Information on this page is for general guidance only - not personalised financial or medical advice. **But what if you could tell Father Time and medical inflation to take a five-year timeout?** Enter the Premium Lock rider, a smart, new insurance feature available for Hayah and DIC plans exclusively via Policybazaar.ae (underwritten by Care [Health Insurance](https://www.policybazaar.ae/health-insurance/)). For an extra 7% on top of your base premium, this add-on freezes your entry-age pricing for up to 5 years. Here is the quick breakdown of how this financial shield works and whether it belongs in your inbox (and your portfolio). ## Quick Fast-Facts * The Cost: Just 7% of your base plan premium annually * The Promise: Complete immunity from annual medical inflation and age-bracket price hikes * The Math: If your base premium is AED 3,500, the lock costs just AED 245. Instead of watching your premium climb every year, you pay a predictable AED 3,745 annually. Over five years, this can rack up cumulative savings of over 40% * Geographic Availability: Currently saving wallets across Dubai and the Northern Emirates ## The Catch (Because There’s Always a Catch) At Policybazaar.ae, we believe in complete transparency. While Premium Lock can help you avoid yearly premium increases, the benefit remains active only until: * You make your first inpatient hospitalisation claim * You file high-tier OPD claims (such as maternity or oncology) * You reach the end of the 5-year term Once the lock breaks due to a major claim, your policy simply reverts to standard renewal pricing the following year. Think of it as a financial bonus for staying out of the hospital. ## Who Can (and Can’t) Play? While this is a massive win for young professionals and families looking for better financial planning, it isn’t open to everyone. You cannot opt for the Premium Lock if: * You are over 60 years old at enrollment * You declare a pre-existing medical condition at the time of purchase * You are buying a standalone policy for a child (an adult must be the primary insured) ## The Verdict If you are relatively healthy and want to insulate your budget from the volatile swings of UAE medical inflation, adding a 7% buffer to lock down your costs for the half-decade is a remarkably smart play. 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