Dubai Insurance Individual Health Insurance

Q: Q1. Which medical expenses are typically not covered by health insurance?

Ans: Health insurance plans usually don’t cover cosmetic procedures, infertility treatments, undisclosed pre-existing conditions, services not deemed medically necessary, conditions related to alcohol and drug abuse, supplements, and more.

Q: Q2. How does health insurance handle my emergency medical expenses?

Ans: When you have health insurance, your emergency medical bills can be first sent to your insurance provider. Your insurance company will then assess the charges and cover a portion or the entire bill, depending on the specific terms of your plan.

Q: Q3. Am I eligible for insurance coverage in my home country?

Ans: Depending on the terms and conditions of your policy, insurance coverage may be available for treatment in your home country if you meet the criteria outlined in your insurance agreement.

Q: Q4. What documents do I need for reimbursement?

Ans: To apply for reimbursement, you will be required to submit a completed reimbursement claim form along with paid invoices and any relevant reports related to your medical expenses.

Q: Q5. What factors impact health insurance premiums?

Ans: Several factors can influence the cost of health insurance premiums such as your age, medical history, occupation, the duration of your policy, body mass index (BMI), smoking habits, where you live, and the type of health insurance plan that you choose.

Q: Q6. Will my insurance coverage end if my Emirates ID expires?

Ans: Your insurance coverage will only terminate if your visa is cancelled.

Q: Q7. Can I cancel my insurance policy?

Ans: You can cancel your insurance policy as per the agreed-upon cancellation terms outlined in your policy documents.

Q: Q8. How can I request reimbursement for my emergency medical claims?

Ans: To seek reimbursement for non-network claims, you should notify your insurer of the medical emergency within 48 hours. If the provider is within the network, they will handle the communication with the insurer.

Q: Q9. Will I still have coverage if I experience an emergency on the policy's expiration date?

Ans: Coverage remains in effect until the policy's expiration date, although it may not extend beyond that date.

Dubai Insurance Company (DIC) has a rich legacy as the UAE's pioneering local insurance provider, a testament to its commitment to excellence in client service.read more

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While DIC has earned its reputation for exceptional insurance solutions over the years, it has also extended its expertise to offer specialised insurance plans. These plans are meticulously crafted to cater to the unique healthcare needs of UAE citizens, ensuring comprehensive coverage for a range of medical services — from routine check-ups to hospitalisation and critical care.

Let’s talk about DIC individual health insurance plans in this article for a complete overview of its offerings.

DIC Individual Health Insurance Plans

Tabled below are the DIC individual health insurance plans along with their key details -

Plan	Details
Dubai Care N5	Coverage of AED 1,000,000 Maternity cover with emergency maternity expenses covered up to AED 150,000 Screening Tests Hospital Access Out-Patient Services In-Patient Services Pre-existing Conditions - Covered with a sub-limit of AED 150,000 Additional Benefits Region Coverage: Worldwide Essential Vaccines & Preventive Services Alternative Medicine - Covered Diagnostics (X-RAY, MRI, and CT-SCAN) - Covered with 10% co-pay per invoice Psychiatry - Not Covered Hearing and Vision Aids - Covered only in cases of medical emergencies Physiotherapy Treatment - Covered up to 15 sessions per member per year Region Coverage - Worldwide
Silk Road	Coverage of AED 1,000,000 Maternity cover with out-patient maternity expenses covered up to the annual limit with 10% co-payment Screening Tests Hospital Access with direct access to specialist in clinics Out-Patient Services Alternative Medicine covered up to AED 1,600 per year In-Patient Services Pre-existing Conditions - Covered with a sub-limit of AED 150,000 Additional Benefits Parent Accommodation for children up to 16 years (up to 100 AED per night) Repatriation costs for the transport of mortal remains covered up to AED 7,500 Essential Vaccines & Preventive Services Diagnostics (X-RAY, MRI, and CT-SCAN) Psychiatry - Not covered Dental and Gum Treatment - Covered Hearing and Vision Aids - Covered only in cases of medical emergencies Physiotherapy Treatment - Covered up to 15 sessions per member per year Region Coverage - Worldwide
Pearl	Coverage of AED 1,000,000 Maternity Cover with emergency maternity expenses covered up to AED 150,000 Waiting Period No coverage for pregnancies within 40 calendar days from the application No waiting period for medical underwritten conditions Direct access to hospitals Out-Patient Services In-Patient Services with emergency treatment Pre-existing Conditions - Covered Additional Benefits Parent Accommodation for children up to 16 years (up to 100 AED per night) Repatriation costs for transporting mortal remains - Up to AED 7,500 Essential Vaccines and Preventive Services Diagnostics (X-RAY, MRI, and CT-SCAN) - Covered with 10% co-pay per invoice Psychiatry - Not Covered Alternative Medicine - Covered up to AED 1,600 (reimbursement) Dental and Gum Treatment - Covered Hearing and Vision Aids - Covered only in cases of medical emergencies Physiotherapy Treatment - Covered up to 15 sessions per member per year Region Coverage - Worldwide
Emerald	Coverage of AED 1,000,000 Maternity Coverage - For normal deliveries, expenses are covered up to a sub-limit of AED 10,000, while medically-necessary caesarean section and complication expenses are also covered up to AED 10,000. Coverage for various screening tests following the DHA Antenatal care protocol. Waiting Period There is a waiting period associated with maternity coverage. Any pregnancy that arises within forty calendar days from the date of the insurance application will not be covered under this policy under any condition. For other medical underwritten conditions, there is no waiting period. Hospital Access Out-Patient Services In-Patient Services Pre-existing conditions with a sub-limit of AED 150,000 Additional Benefits The policy includes parent accommodation for children under 18 years of age. For children up to 16 years, the coverage is provided — up to 100 AED per night Additionally, the policy covers repatriation costs for the transport of mortal remains to the country of origin, with coverage of up to AED 7,500. Essential vaccines and preventive services include coverage for vaccines as per DHA guidelines. These vaccines are covered once per annum on a direct billing basis at designated clinics, specifically for Dubai members. Diagnostics (X-RAY, MRI, and CT-SCAN) covered with a 10% co-pay per invoice Psychiatry services are not covered under this policy Alternative Medicine - Coverage for alternative medicine is provided, with reimbursement of up to AED 1,600 per policy year Dental and Gum Treatment - Covered Hearing and Vision Aids - In cases of medical emergencies. Physiotherapy treatment is covered, with a maximum of up to 15 sessions per member per year The coverage under this policy extends worldwide, providing comprehensive coverage for policyholders regardless of their location
Dubai Care N3	Coverage of AED 1,000,000 Normal delivery and caesarean section expenses covered up to AED 10,000 Medical emergency expenses related to maternity covered up to AED 150,000 Screening tests covered as per DHA Antenatal care protocol No coverage for pregnancy within 40 calendar days from the application date No waiting period for medical underwritten conditions Direct hospital access Newborn cover as per DHA benefit guidelines Laboratory tests covered with 10% co-pay Physiotherapy covered up to 15 sessions per member per year with 20% co-payment Dental covered with pre-authorisation only (20% co-payment) Alternative medicine covered up to AED 1,600 per member per year Vaccinations for adults covered Physician consultation covered with 20% co-pay (up to AED 50 per consultation) Private room for in-patient services Ambulance service covered in medical emergencies 100% coverage for emergency treatment Pre-existing conditions covered with a sub-limit of AED 150,000 Parent accommodation covered up to AED 100 per night for children up to 16 years old Repatriation costs for transporting mortal remains covered up to AED 7,500 Dubai Care network coverage Essential vaccines and preventive services included Diabetic screening covered once a policy year Diagnostics (X-RAY, MRI, and CT-SCAN) covered with 10% co-pay Psychiatry not covered Hearing and vision aids covered only in medical emergencies Worldwide region coverage
Green	Coverage of AED 1,000,000 Maternity Cover includes coverage for normal delivery and caesarean section expenses up to AED 10,000 Medical emergencies related to maternity covered up to AED 150,000 Waiting period: No coverage for pregnancy within 40 calendar days from application No waiting period for medical underwritten conditions Direct access to hospitals Newborn cover as per DHA guidelines Laboratory tests covered with 20% co-pay Physiotherapy covered up to 15 sessions per member per year with 20% co-payment Dental covered with pre-authorisation (20% co-payment) Alternative medicine covered up to AED 1,600 per annum Vaccinations for adults covered. Physician consultation covered with 20% co-pay (up to AED 50 per consultation) In-patient services — Private room Ambulance service covered in medical emergencies 100% coverage for emergency treatment Pre-existing conditions covered with a sub-limit of AED 150,000 Parent accommodation for children under 18 years (up to AED 100 per night) Repatriation costs for transporting mortal remains covered up to AED 7,500 Network: MEDNET Green Essential vaccines and preventive services covered as per DHA guidelines Diagnostics (X-RAY, MRI, and CT-SCAN) covered with 10% co-pay Psychiatry not covered Alternative medicine covered on reimbursement up to AED 1,600 Dental and gum treatment covered Hearing and vision aids covered only in cases of medical emergencies Physiotherapy treatment covered – Up to 15 sessions per member per year Region coverage: Worldwide
Dubai Care N2	Coverage of AED 1,000,000 Normal delivery and caesarean section expenses covered up to AED 10,000 Medically-necessary Caesarean Section and complications covered up to AED 10,000 Medical emergency expenses related to maternity covered up to AED 150,000 Out-Patient eligible Maternity expenses covered with 10% co-payment Coverage for screening tests as per DHA Antenatal care protocol No waiting period for medical underwritten conditions Direct access to hospitals Newborn cover as per DHA benefit guidelines Laboratory tests covered with 20% co-pay Physiotherapy covered up to 15 sessions per member per year with 20% co-payment Dental covered with pre-authorisation (20% co-payment) Alternative medicine covered up to AED 1,600 per annum Vaccinations for adults covered Physician consultation covered with 20% co-pay (up to AED 50 per consultation) In-patient services — Private room Ambulance service covered in medical emergencies 100% coverage for emergency treatment Pre-existing conditions covered with a sub-limit of AED 150,000 Parent accommodation for children under 16 years (up to AED 100 per night) Repatriation costs for transporting mortal remains covered up to AED 7,500 Network: Dubai Care Essential vaccines and preventive services included Diabetic screening covered once a policy year Diagnostics (X-RAY, MRI, and CT-SCAN) covered with 10% co-pay Psychiatry not covered Alternative medicine covered on reimbursement up to AED 1,600 Dental and gum treatment covered Hearing and vision aids covered only in cases of medical emergencies Physiotherapy treatment covered — Up to 15 sessions per member per year Region coverage: Worldwide
Silver Classic	Coverage of AED 1,000,000 Maternity cover with normal delivery and caesarean section expenses covered up to AED 10,000 Screening tests covered as per the DHA Antenatal care protocol Maternity Waiting Period: No coverage for pregnancy within 40 calendar days from application No waiting period for medical underwritten conditions Direct hospital access New Born Cover as per DHA benefit guidelines Laboratory Tests covered with 20% co-pay Physiotherapy Treatment: Covered up to 15 sessions per member per year with 20% co-payment Dental covered with pre-authorisation (20% co-payment) Alternative medicine covered up to AED 1,600 per annum Vaccinations for adults covered Physician Consultation: Covered with 20% co-pay (Up to AED 50 per consultation) In-Patient Services — Private Room Ambulance service covered in medical emergencies only if followed by admission 100% coverage for Emergency Treatment Pre-existing conditions covered with a sub-limit of AED 150,000 Parent accommodation for children under 16 years (up to AED 100 per night) Repatriation costs for transporting mortal remains covered up to AED 7,500 Network: MEDNET Silver Classic. Essential Vaccines and Preventive Services: Covered as per DHA guidelines Diagnostics (X-RAY, MRI, and CT-SCAN) covered with 10% co-pay Psychiatry not covered Alternative medicine covered on reimbursement up to AED 1,600 Dental and gum treatment covered Hearing and Vision Aids covered only in cases of medical emergencies Physiotherapy Treatment — Up to 15 sessions per member per year Region Coverage: Worldwide
Dubai Care Exclusive N2	Coverage of AED 1,000,000 Maternity Cover up to AED 10,000 Coverage for various screening tests as per DHA Antenatal care protocol Maternity Waiting Period: No coverage for pregnancy within 40 calendar days from application No waiting period for medical underwritten conditions Direct hospital access New Born Cover as per DHA benefit guidelines Laboratory Tests covered with 20% co-pay Physiotherapy Treatment covered up to 15 sessions per member per year with 20% co-payment Dental covered with pre-authorisation (20% co-payment) Alternative Medicine covered up to AED 1,600 per annum Vaccinations for adults covered Physician Consultation: Covered with 20% co-pay (up to AED 50 per consultation) In-Patient Services in a Private Room. Ambulance service covered in medical emergencies only if followed by admission 100% coverage for Emergency Treatment Pre-existing conditions covered with a sub-limit of AED 150,000 Parent Accommodation for children under 16 years (up to AED 100 per night) Repatriation costs for transporting mortal remains covered up to AED 7,500 Essential Vaccines and Preventive Services included Diagnostics (X-RAY, MRI, and CT-SCAN) covered with 10% co-pay Psychiatry not covered Alternative medicine covered on reimbursement up to AED 1,600 Dental and gum treatment covered Hearing and Vision Aids covered only under medical emergencies Physiotherapy treatment — Up to 15 sessions per member per year Region Coverage: Worldwide
Silver Premium	Coverage of AED 1,000,000 Maternity Cover: Normal delivery and caesarean section expenses covered up to AED 10,000 Hospital Access: Direct access to hospitals Out-Patient Services: Covered New Born Cover: As per the DHA benefit guidelines Laboratory Tests: Covered with 10% co-pay Physiotherapy Treatment: Covered up to 15 sessions per member per year with 20% co-payment Dental: Covered with pre-authorisation (20% co-payment) Alternative Medicine: Covered up to AED 1,600 per annum Vaccinations (Adults): Covered on free access as well as reimbursement basis. Physician Consultation: Covered with 20% co-pay (up to AED 50 per consultation) In-Patient Services Ambulance Service: Covered under medical emergency only if followed by admission Emergency Treatment: 100% coverage of the actual covered cost Pre-existing conditions - Covered Parent Accommodation for a child under 18 years: Covered up to AED 100 per night for children up to 16 years Repatriation costs for the transport of mortal remains — Up to AED 7,500 Essential Vaccines and Preventive Services: Covered as per DHA guidelines Diagnostics (X-RAY, MRI, and CT-SCAN): Covered with 10% co-pay Psychiatry: Not Covered Alternative medicine: Covered on reimbursement – up to AED 1,600 Dental and gum treatment: Covered Hearing and Vision Aid: Covered only under medical emergencies Physiotherapy Treatment: Covered up to 15 sessions per member per year Region Coverage: Worldwide
Dubai Care N1	Coverage of AED 1,000,000 Maternity cover with emergency maternity expenses up to AED 150,000 Screening tests as per DHA Antenatal care protocol Pre-Existing Disease and Chronic Condition waiting Period: No waiting period for medical underwritten conditions — undeclared pre-existing conditions not covered Hospital Access: Direct hospital access Out-Patient Services: Covered New Born Cover: As per DHA benefit guidelines Laboratory Tests: Covered with 10% co-pay Physiotherapy Treatment: Covered up to 15 sessions with 20% co-payment Dental: Covered with 20% co-pay and pre-authorisation Alternative Medicine: Covered up to AED 1,600 per year Vaccinations (Adults): Covered on both reimbursement and free access basis Physician Consultation: Covered with 20% co-pay (max AED 50) In-Patient Services: Private Room. Ambulance Service: Covered in medical emergencies with hospital admission Emergency Treatment: 100% coverage of the Actual Covered Cost Pre-existing conditions: Must be declared, no waiting period for medical underwritten conditions. Declared Pre-existing and Chronic conditions covered with a sub-limit of AED 150,000 Parent Accommodation for child under 18 years: Covered up to AED 100 per night for children up to 16 years Repatriation costs for transport of mortal remains: Covered up to AED 7,500 Network: Dubai Care Essential Vaccines and Preventive Services: Covered as per DHA guidelines Diagnostics (X-RAY, MRI, and CT-SCAN): Covered with 10% co-pay Psychiatry: Not Covered Alternative medicine: Covered on reimbursement up to AED 1,600 Dental and gum treatment: Covered Hearing and Vision Aid: Covered in medical emergencies Physiotherapy Treatment: Covered up to 15 sessions per member per year Region Coverage: Worldwide
Gold	Coverage of AED 1,000,000 Maternity cover and normal delivery and caesarean section expenses up to AED 10,000 Out-Patient Maternity Screening tests as per DHA Antenatal care protocol PED & Chronic Condition waiting Period: No waiting period for medical underwritten conditions — undeclared pre-existing conditions not covered. Hospital Access: Direct access to hospitals Out-Patient Services: Covered New Born Cover: As per DHA benefit guidelines Laboratory Tests: Covered with 10% co-pay Physiotherapy Treatment: Covered up to 15 sessions with 20% co-payment Dental: Covered with 20% co-pay and pre-authorisation Alternative Medicine: Covered up to AED 1,600 per year Vaccinations (Adults): Covered on Free Access and reimbursement basis Physician Consultation: Covered with 20% co-pay (up to AED 50) In-Patient Services: Private Room. Ambulance Service: Covered in Medical Emergency with hospital admission Emergency Treatment: 100% coverage of the Actual Covered Cost. Pre-existing and Chronic conditions covered with a sub-limit of AED 150,000 Parent Accommodation for children under 18 years: Covered up to AED 100 per night for children up to 16 years Repatriation costs for transport of mortal remains: Covered up to AED 7,500 Essential Vaccines and Preventive Services: Covered as per DHA guidelines Diagnostics (X-RAY, MRI, and CT-SCAN): Covered with 10% co-pay Psychiatry: Not Covered Alternative medicine: Covered on reimbursement up to AED 1,600 Dental and gum treatment: Covered. Hearing and Vision Aid: Covered only in cases of medical emergencies Physiotherapy Treatment: Covered up to 15 sessions per member per year Region Coverage: Worldwide

Note: All the mentioned rates and premiums are indicative and depend upon an individual applicant’s medical background, coverage requirement, chosen plan, and more.

More Dubai Insurance Health Plans

DIC - Dubai Care Exclusive N2

Key Benefits of DIC Individual Health Insurance

Mentioned below are the key benefits that you can enjoy with DIC individual health insurance -

More than 3,000 Providers: This benefit indicates that the health insurance plan offers access to a vast network of healthcare providers. With over 3,000 providers in the company’s network, policyholders have a wide range of doctors, hospitals, clinics, and specialists to choose from for their medical needs. This extensive network ensures that individuals can conveniently and efficiently receive medical care. These providers may offer specialised services or facilities, ensuring that policyholders have access to high-quality care for specific medical conditions or treatments.
Second Opinion: Second opinions can be crucial in complex medical situations. With this benefit of DIC individual health insurance, policyholders have the option to seek a second opinion from another qualified medical professional. This additional insight can provide peace of mind and ensure that individuals make informed decisions about their healthcare.
Credibility: Credibility is a vital aspect of any health insurance plan. It is often built over years of providing reliable insurance services and meeting the healthcare needs of its members. With DIC being one of the most credible insurance institutions in the UAE, you can be assured of getting appropriate assistance in a timely manner.
24/7 Call Center: Having access to a 24/7 call centre is a valuable feature as it allows policyholders to reach out for assistance or information at any time of the day. Whether it's a medical emergency or a simple inquiry, the availability of a round-the-clock call centre ensures that help is always just a phone call away.
Basic Health Check-Up: A basic health check-up is an essential preventive measure. This benefit likely includes coverage or arrangements for routine health check-ups. Regular check-ups can help detect health issues early, leading to more effective treatment and improved overall health.
Wellness Campaigns: Wellness campaigns indicate that the insurance plan is proactive about promoting policyholders' health and well-being. These campaigns may involve initiatives such as health education, fitness programs, or preventive screenings. By encouraging wellness, the insurance plan aims to keep its members healthier in the long run.
Multilingual Medical Staff: A multilingual medical staff is an important feature, especially in multicultural and diverse communities. This way, individuals who speak different languages can communicate effectively with healthcare professionals so that language barriers don’t hinder the delivery of medical care.
15 Years of Experience: The insurance company’s 15+ years of experience demonstrates a long history of providing insurance services. This experience often translates into a deep understanding of the healthcare landscape, efficient claims processing, and a track record of meeting policyholders' needs.

Eligibility Criteria for DIC Individual Health Insurance

One can buy DIC Individual Health Insurance if they fulfil the following eligibility requirement -

Category	Eligibility Criteria
Minimum Entry Age	18 years

Inclusions of DIC Individual Health Insurance

Listed below are the general inclusions of DIC individual health insurance -

In-Patient Services
Hospital accommodation
Parent accommodation
Maternity cover
Diagnostics like X-rays and more
Pre-existing and chronic conditions

Exclusions of DIC Individual Health Insurance

The general exclusions of DIC individual health insurance are as follows -

Cosmetic procedures
Self-inflicted injuries
Alcohol or drug abuse
Conditions due to wars

Check out some frequently asked questions about DIC individual health insurance below -

FAQ's

Ans: Health insurance plans usually don’t cover cosmetic procedures, infertility treatments, undisclosed pre-existing conditions, services not deemed medically necessary, conditions related to alcohol and drug abuse, supplements, and more.

Ans: When you have health insurance, your emergency medical bills can be first sent to your insurance provider. Your insurance company will then assess the charges and cover a portion or the entire bill, depending on the specific terms of your plan.

Ans: Depending on the terms and conditions of your policy, insurance coverage may be available for treatment in your home country if you meet the criteria outlined in your insurance agreement.

Ans: To apply for reimbursement, you will be required to submit a completed reimbursement claim form along with paid invoices and any relevant reports related to your medical expenses.

Ans: Several factors can influence the cost of health insurance premiums such as your age, medical history, occupation, the duration of your policy, body mass index (BMI), smoking habits, where you live, and the type of health insurance plan that you choose.

Ans: Your insurance coverage will only terminate if your visa is cancelled.

Ans: You can cancel your insurance policy as per the agreed-upon cancellation terms outlined in your policy documents.

Ans: To seek reimbursement for non-network claims, you should notify your insurer of the medical emergency within 48 hours. If the provider is within the network, they will handle the communication with the insurer.

Ans: Coverage remains in effect until the policy's expiration date, although it may not extend beyond that date.