# DIC Critical Illness Health Insurance

**Published:** 2023-10-17
**Updated:** 2026-07-29
**Author:** Mousree Das
**Reviewer:** Toshita Chauhan
**Original Url:** https://www.policybazaar.ae/health-insurance/dic-critical-illness-health-insurance/

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Dubai Insurance Company (DIC) has emerged as a prominent name in the UAE insurance sector, offering comprehensive health insurance solutions to residents and expatriates alike. With the critical health insurance coverage of Dubai Insurance Company, also sometimes abbreviated as DIN, one can get financial protection in times of severe and life-threatening illnesses.

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.

This coverage comprises a wide range of critical conditions, including cancer, heart disease, stroke, and organ transplants, among others. With the increasing importance of safeguarding one's health and financial well-being, DIC's critical health insurance policies offer residents of the UAE a vital safety net, ensuring access to necessary medical care during challenging times.

## DIC Critical Illness Health Insurance

Critical illness health insurance is a type of insurance that provides financial protection in case the insured individual is diagnosed with a critical illness or condition. Such a plan pays out a lump sum of money if you are diagnosed with specific critical illnesses listed in the policy such as cancer, heart attack, stroke, organ transplant, or other major health conditions.

A lump sum payout is made to the policyholder upon diagnosis of a covered critical illness, which can be then used for various purposes. It can, for instance, help cover medical expenses that are not covered by regular health insurance, pay for specialised treatments, and replace lost income if you are unable to work during your recovery or meet other financial obligations.

Critical illness health insurance is designed to ease the financial burden that often comes with treating serious illnesses. It provides peace of mind knowing that you have extra support to handle medical costs and other financial challenges during a difficult time.

Just like standard insurance, it is important to carefully review the policy terms first. Make sure to go through the coverage features and the list of covered illnesses before choosing a [critical illness health insurance](https://www.policybazaar.ae/critical-illness-health-insurance-hic/) plan that suits your requirements.

## What are the General Inclusions of DIC Critical Illness Health Insurance?

The critical illness insurance plans offered by most [health insurance](https://www.policybazaar.ae/health-insurance/) providers in the UAE cover the following conditions and diseases -

*   **Kidney Failure**
*   **Cancer**
*   **Major Organ Transplant**
*   **Coronary Artery Bypass Surgery**
*   **Brain Tumour**
*   **Stroke**
*   **Heart Attack**
*   **Paralysis**

## What are the General Exclusions of Critical Illness Health Insurance?

Critical illness health insurance certainly covers a wide range of diseases. However, certain health conditions are excluded from coverage by insurance companies in the UAE. Some of these exclusions include issues developing from long-term consumption of alcohol, smoking habits, and drug use. Additionally, conditions such as childbirth problems, complications during pregnancy, congenital diseases, and HIV are not covered.

## List of DIC Critical Illness Health Insurance Plans in the UAE

Here are some of the top comprehensive DIC health insurance plans that may offer coverage for critical conditions -

| Name of the Plan | Coverage |
| --- | --- |
| [Dubai Care N5](https://www.policybazaar.ae/health-insurance/dic-dubai-care-n5/) | Maternity Cover (In-Patient and Out-Patient)<br>Pre-Existing and Chronic Conditions<br>Essential Vaccines and Preventive Services<br>Diagnostics (X-RAY, MRI, CT-SCAN)<br>Alternative Medicine<br>Dental and Gum Treatment<br>Hearing and Vision Aids<br>Physiotherapy Treatment |
| MEDNET Silk Road | Maternity Cover (In-Patient and Out-Patient)<br>In-Patient Service<br>Out-Patient ServicePre-Existing and Chronic Conditions<br>Essential Vaccines and Preventive Services<br>Diagnostics (X-RAY, CT-SCAN, MRI)<br>Dental and Gum Treatment<br>Alternative Medicine<br>Hearing and Vision<br>Physiotherapy Treatment |
| MEDNET Pearl | Maternity Cover (In-Patient and Out-Patient Services)<br>Out-Patient Cover<br>In-Patient Cover<br>Pre-Existing and Chronic Conditions<br>Essential Vaccines and Preventive Services<br>Diagnostics (X-RAY, CT-SCAN, MRI)<br>Alternative Medicine<br>Dental and Gum Treatment<br>Hearing and Vision Aids<br>Physiotherapy Treatment |
| MEDNET Emerald | Maternity Cover (In-Patient and Out-Patient Services)<br>Pre-Existing and Chronic Conditions<br>Essential Vaccines and Preventive Services<br>Diagnostics (X-RAY, CT-SCAN, MRI)<br>Alternative Medicine<br>Physiotherapy Treatment<br>Dental and Gum Treatment<br>Hearing and Vision Aids |
| [Dubai Care N3](https://www.policybazaar.ae/health-insurance/dic-dubai-care-n3/) | Maternity Cover (In-Patient and Out-Patient)<br>In-Patient Cover<br>Out-Patient Cover<br>Pre-Existing and Chronic Conditions<br>Essential Vaccines and Preventive Services<br>Diagnostics (X-RAY, MRI, CT-SCAN)<br>Alternative Medicine<br>Dental and Gum Treatment<br>Hearing and Vision Aids<br>Physiotherapy Treatment |

  

## Points to Remember Before Buying DIC Critical Illness Health Insurance

To get the best critical illness health insurance plan, consider a few points before initiating your application -

*   **Compare Multiple Plans -** In order to get the best deal, it is essential to look into multiple plans from different providers. You should shortlist some plans that meet your requirements and select the one that offers the best coverage at affordable premiums.
*   **Provide Accurate Medical History Details -** While purchasing critical illness health insurance, you must accurately provide the specified details regarding your medical history. If you fail to disclose existing conditions or other details, it can lead to discrepancies at the time of making a claim. This is because insurance providers extensively review your policies during the claim process — if the information is found to be incorrect, your claim may be rejected.
*   **Check for the CSR of Insurance Companies -** Before purchasing critical health insurance, it's crucial to check the company's claim settlement ratio. This figure indicates the said insurance provider's track record of settling claims. A high ratio suggests that the company consistently pays out claims and can be trusted to provide you with the financial support that you require during critical illnesses. CSR reflects the insurer's reliability and commitment to its policyholders.

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