# DNIRC Senior Citizen Health Insurance
**Published:** 2023-12-21
**Updated:** 2026-07-29
**Author:** Mousree Das
**Reviewer:** Toshita Chauhan
**Original Url:** https://www.policybazaar.ae/health-insurance/dnirc-senior-citizen-health-insurance/
**We are Rated:** 4.7/5
**Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7)
**Trusted Customers:** 2 Million+
**Insurance Partners:** 35+
**Policies Sold:** 1 Million+
Dubai National Insurance & Reinsurance P.S.C, often shortened to DNIRC, is popularly known as Dubai National Insurance (DNI). The company was founded in 1991 and is recognised as one of the leading providers of health insurance in the UAE. It offers an extensive range of medical insurance solutions designed to safeguard individuals against the financial burdens of illness and associated 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.
With a commitment to delivering cost-effective insurance plans and policies tailored to the unique requirements of UAE residents, DNI has earned its reputation as one of the best in the industry. It has also established partnerships with leading Third Party Administrators (TPA) for seamless medical claim processing and top-quality service, while its extensive network of service providers ensures that clients have access to the best healthcare options available.
Backed by robust security measures and a steadfast dedication to serving senior citizens, DNI is a trusted partner in healthcare coverage. In this article, we will cover DNI senior citizen health insurance and explore its inclusions, features, and more.
## DNI Senior Citizen Health Insurance Plans
Let’s take a look at the [health insurance plans](https://www.policybazaar.ae/health-insurance/) of DNI that senior citizens can avail of -
| Plan | Details |
| --- | --- |
| EBP Plan | Comprehensive insurance plan tailored for individuals who don’t have personal income or low income
Eligibility requires a valid Dubai residence visa
Annual coverage of up to AED 150,000 |
| Regional and Local Plans | Offer essential regional coverage to your dependents as well as employees
Annual coverage of up to AED 750,000
Option to tailor your policy to match your specific requirements
Enjoy expanded network coverage for added benefits |
| Worldwide Plans | Extend global coverage to your employees and their dependents
Coverage of up to AED 1.5 million for each member
Access to emergency coverage provided worldwide, with the exception of the USA and Canada
Benefit from network direct billing options in your home countries
Personalise your policy to align with your specific preferences |
Choose Health Insurance Coverage of Your Choice
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150KHealth Insurance
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250KHealth Insurance
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500KHealth Insurance
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1MillionHealth Insurance
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3MillionHealth Insurance
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5MillionHealth Insurance
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7.5MillionHealth Insurance
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10MillionHealth Insurance
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15MillionHealth Insurance
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All coverage in AED\*
## Key Benefits of DNI Senior Citizen Health Insurance
Let’s take a look at the key benefits of DNIRC senior citizen health insurance plans -
* DNIRC provides options for both regional and worldwide coverage, ensuring that you can choose the plan that suits your specific requirements.
* With coverage of up to AED 1.5 million, DNI ensures that each and every member is well-protected against healthcare expenses.
* Emergency coverage is available worldwide (except in the USA and Canada), offering peace of mind during international travel.
* DNIRC senior citizen health insurance plans provide you with the flexibility to customise policies as per your requirements, giving you control over your coverage.
* The plans also offer enhanced network coverage, including network direct billing options in your home countries, making healthcare access more convenient.
## Eligibility Criteria for DNI Senior Citizen Health Insurance
Given below are the general eligibility criteria for DNIRC senior citizen health insurance -
| Categories | Eligibility Criteria |
| --- | --- |
| Minimum Entry Age | 60 years |
| Maximum Entry Age | 99 years |
| Renewability | NA |
## Related Health Insurance
[Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/)
[Senior Citizen Health Insurance](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/)
[Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/)
[Critical Illness Health Insurance](https://www.policybazaar.ae/critical-illness-health-insurance-hic/)
[Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/)
[Private Medical Insurance](https://www.policybazaar.ae/health-insurance/private-medical-insurance/)
## DNI Senior Citizen Health Insurance Inclusions
Listed below are the general inclusions of DNIRC senior citizen health insurance -
* Out-patient services
* In-patient services
* Physiotherapy
* Coverage for diagnostics (CT scan, MRI, X-ray, and more) - coinsurance may apply
* Declared pre-existing disease coverage
* ICU treatment
* Fees related to consultants, anaesthetists, and surgeons
* Ground transportation services
* Vaccines and preventative services
* Screening and treatment for cancer as per DHA guidelines
## Exclusions of DNI Senior Citizen Health Insurance
The general exclusions of DNIRC senior citizen health insurance are as follows -
* Orthodontic treatments
* Cosmetic procedures
* Expenses for the treatment of baldness, dandruff, wigs, hair fall, or alopecia
* Treatment for sex transformation, sterilisation, and more
* Mental health diseases (covered only in case of emergency)
* Medical treatment required due to participation in professional sports
Check out some frequently asked questions related to DNIRC senior citizen health insurance below -
## FAQ's
### Q1. Who is eligible to be covered by DNIRC EBP health insurance?
**Ans:** To be considered eligible, the applicant or member must be an employee who possesses a valid Dubai residence visa.
### Q2. What is the coverage area for basic healthcare services?
**Ans:** The coverage includes the UAE and select home countries within South East Asia (SEA) for in-patient treatment.
### Q3. What is the waiting period for pre-existing and chronic conditions?
**Ans:** Pre-existing and chronic conditions are covered with a nil waiting period for existing members previously covered under any insurance scheme. New members or additions might be subject to a 6-month waiting period.
### Q4. How does coinsurance work for in-patient treatment?
**Ans:** Coinsurance requires a 20% co-pay payable by the insured, with a cap of AED 500 per encounter and an annual aggregate cap of AED 1,000. Beyond these caps, the insurance provider covers 100% of the treatment.
### Q5. What is the hospitalisation class for in-patient services?
**Ans:** In-patient services are received in semi-private or ward rooms, typically in rooms with at least 2 beds.
### Q6. Is ground ambulance service covered in the UAE for medical emergencies?
**Ans:** Yes, ground ambulance services provided by an authorised party for medical emergencies are covered.
### Q7. Is there coverage for accommodation of a person accompanying the insured?
**Ans:** If accompanying an insured child of age 16 years or below or deemed medically necessary, the plan can cover the accommodation costs up to the limit of AED 100 per night.
### Q8. Is outpatient treatment included in the coverage?
**Ans:** Yes, outpatient treatment includes basic healthcare services at authorised out-patient clinics and health centres within the EBP network list. Keep in mind that referral procedures and coinsurance may apply for consultation and diagnostic procedures.
### Q9. Are diagnostic procedures covered under outpatient treatment of the EBP plan?
**Ans:** Yes, diagnostic procedures such as X-rays, MRI, CT scans, and lab tests are covered with a 20% coinsurance applicable.
### Q10. What is the coinsurance for pharmaceuticals?
**Ans:** Pharmaceuticals have a 30% coinsurance that has to be paid by the insured for each prescription, with a cost limit of up to AED 1,500 (including coinsurance).
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