Why Medical Insurance for Your Parents Is Crucial?

Protect your health: AED 4/day for 1 million coverage
Selecting health insurance for
  • Self Only
  • Both Self and Family
  • Family without Self
  • Domestic Workers
  • Investor
Health Insurance



Worldwide Coverage
Wide Choices
Expert Advice

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

Medical Insurance in Dubai and the UAE is mandatory now, and for good reason. Healthcare is not something that one can compromise on - if there is a medical emergency at hand, you will have to take care of it right away. On top of that, no matter where you are in the world, healthcare facilities can be highly expensive. 

This is why health insurance plans are a necessity for all. The same goes for your parents as well. Having a proper health insurance plan for your parents will provide a lot more benefits than one may initially realise. Besides ensuring financial assistance for them at the time of emergency, such a health insurance plan also brings you peace of mind. 

Reasons to Have Medical Insurance for Your Parents

Discussed below are the key reasons for having medical insurance for parents in the UAE.

More Prone to Illnesses

While old age is considered the time when you can finally retire and relax, it can often provide some of the most unpleasant experiences due to ailments. People are prone to catching illnesses in their old age. 

The immune system is at its weakest when the body gets old, which makes the person more susceptible to catching diseases that they never even cared about when young - even a common cold can be as bad as pneumonia. This is why medical insurance in Dubai is an absolute necessity for your parent. When they are old, they will need all the extra protection that they can get. 

Protection from Lifestyle Diseases 

A lifestyle that you led in your 20s or 30s can catch up to you in your old age. For instance, even though it is not necessary that one would develop a lung condition if they used to smoke years back, the chances of the same still exist. 

Several lifestyle diseases stay suppressed until much later in life and start showing effects when the body’s immune system is weaker. If your parents are or were prone to developing any such diseases at any time, medical insurance in Dubai can prove significantly helpful for them.

More than Just Health Insurance

Medical insurance in Dubai for senior citizens is more than simply taking care of medical expenses when there is a disease to be treated. Almost all insurance companies consistently urge their customer to adopt healthy habits in life and arrange camps and seminars related to general health. 

These initiatives are beneficial for both the insurance companies and the plan holders. Plan holders, i.e., your parents, will have constant access to health-related tips, advice, and more while their good health will lower the risk for insurance companies. 

Peace of Mind 

Knowing that you will always have something or someone to relies upon in a time of need brings peace and relieves stress. Having medical insurance in Dubai for your parents is somewhat the same in this regard. While you may always be concerned about your parent's well-being, you will have the financial security of opting for any necessary treatment whenever they need it if they are protected by any one of the best health insurances Dubai.

Benefits of Buying Medical Insurance for Your Parents

Medical insurance in Dubai comes with its own set of unique benefits that make it a worthwhile investment for your parents. Given below are some of the benefits you can look forward to when buying medical insurance in Dubai for your parents:

Cover for Pre-Existing Conditions

One of the most remarkable things about medical insurance in Dubai is that all health insurance plans are mandated to cover pre-existing diseases. While there can be a waiting period ranging from 6 months to 2 years, the coverage is ultimately assured. 

The point to remember here is that you need to declare all the pre-existing conditions beforehand to get the cover. There can be a slight increase in the premium if you declare pre-existing diseases. However, this also means assured coverage in the time of need. 

Easy Access to Healthcare

Having a healthcare insurance plan in the UAE as a resident can simplify the process of accessing healthcare facilities. Generally, everyone other than the citizens of the UAE mainly rely on private healthcare system to receive quality medical facilities. Private healthcare can be expensive and difficult to get without upfront monetary support, given the state-of-the-art equipment and facilities. 

Medical insurance in Dubai, on the other hand, makes sure that you face negligible problems and get medical attention for your parents right when you need it. 

Financial Backup

Medical insurance in Dubai is a rather established field - all the insurance companies have properly set up networks where hospitals and other medical facilities accept the insurance for cashless treatment. Cashless or direct treatment means that you won’t have to spend thousands of Dirhams on hospital bills and medicines to get good treatment for your parents. 

Things to Keep in Mind 

Now that you are aware of all the possible reasons for which health insurance in Dubai is crucial for your parents, let’s cover some factors that you should take care of to buy the best health insurance in dubai for your parents:

Coverage: You will have plenty of options when choosing medical insurance in Dubai for your parents. Make sure that the coverage of your chosen plan is apt as per the requirements of the moment as well as the future. While you can always change the plan at the time of renewal, it is still in your best interests to choose the best health insurance in Dubai possible. 

Age: If your parents are yet to cross the 60-year mark, you will have to buy a normal individual dependent plan for them. This, however, can be a good thing as it will give you the time to scout different senior citizen plans available in the UAE. 

For individuals over 60-65 years of age, you will be purchasing one of the special plans made for senior citizens. These plans are specially designed to fulfil the requirements of old age. 

Network Medical Facilities: Make sure that your selected medical insurance plan has a widespread network of hospitals and clinics. Additionally, you should also check if there are enough options for medical facilities near your residence that are a part of your plan’s network.

Insurance Cost: It is highly recommended to confirm that there are no unrequired services added to your plan, which can directly increase the premium. You should double-check all the fees and costs and make sure that you find a balance between affordable and well-equipped insurance plans to find the perfect fit for your parents and yourself. 

Waiting Period: Try and choose a plan with a shorter waiting period for covers like pre-existing diseases. 


Health insurance is more of a necessity than a luxury nowadays, and even more so for parents. Having worked their whole life, they now have a right to enjoy their retirement years without worrying about falling ill. For this reason, proper medical insurance in Dubai is crucial for your parents. 

To make things better, such medical insurance doesn’t just help your parents relax ideally but also ensures a better quality of life for you. Less stress about your parents’ health will ultimately be good for the whole family. Thus, make sure that you have done your part and found the right insurance plan to ensures that your parents have access to proper healthcare facilities. 

Policybazaar UAE – Helping you navigate the wilderness of the insurance world!

More From Health Insurance