HAYAH Senior Citizen Health Insurance
HAYAH Insurance Company P.J.S.C. is registered with the Central Bank of the United Arab Emirates and listed on the Abu Dhabi Stock Exchange (ADX). As one of the most eminent insurance providers in the UAE, the company offers top-notch health insurance solutions to help individuals financially secure ...read more
4.6/5
34,867
ReviewsTrusted Customers
Insurance Partners
Policies Sold
AED 1 million Health cover starting @4/Day
In this article, we will focus on HAYAH senior citizen health insurance, which is dedicated to safeguarding the well-being of senior citizens in the UAE. With this type of insurance, senior citizens can enjoy a fully digital experience and manage their plans with peace of mind.
Let’s find out more about HAYAH senior citizen health insurance, which combines cutting-edge technology with a concern for the well-being of elderly individuals, making it a trusted choice for senior citizens seeking comprehensive health coverage.
HAYAH Senior Citizen Health Insurance Plans
Have a look at the table below for the HAYAH health insurance plan available for senior citizens -
| Plan | Details |
|---|---|
| Health Protect | Option to select from a range of six insurance plans divided into three distinct categories of coverage -
|
Key Benefits of HAYAH Senior Citizen Health Insurance
Discussed below are the major inclusions of HAYAH senior citizen health insurance -
- Regulatory Trust: HAYAH's insurance plans are approved and regulated by the Dubai Health Authority, ensuring compliance and reliability.
- Comprehensive Coverage: HAYAH offers extensive coverage — including both In-Patient (IP) and Out-Patient (OP) benefits — to cater to various medical requirements.
- Inclusive Care: With this health insurance plan covering declared pre-existing and chronic conditions, you can enjoy providing comprehensive healthcare support and peace of mind.
- Holistic Hospital Benefits: Enjoy coverage for hospital accommodation, essential services, radiology, laboratory tests, ICU stays, surgical procedures, anaesthesia, operating theatre expenses, and more — all within the Annual Medical Limit.
- Maternity and Newborn Care: HAYAH extends its support to special life moments, offering maternity and newborn coverage.
- Diverse Healthcare Options: As a policyholder, you can access a wide range of healthcare services such as alternative medicine, dental treatments, optical care, physiotherapy, and more to address your unique health requirements.
Eligibility Criteria for HAYAH Senior Citizen Health Insurance
Check out the general eligibility criteria for HAYAH health insurance plans -
| Categories | Eligibility Criteria |
|---|---|
| Maximum Age | 65 years |
| Residence | Northern Emirates or Dubai |
Inclusions of HAYAH Senior Citizen Health Insurance
The general inclusions of HAYAH senior citizen health insurance include the following -
- Out-patient services
- In-patient services
- Chronic disease coverage
- Hospital accommodation services
- Optical and dental cover
- Diagnostics coverage
- Pre-existing disease coverage
- Prescribed medication coverage
- Physiotherapy
- Alternative medicine
Exclusions of HAYAH Senior Citizen Health Insurance
Here’s a list of the general exclusions of HAYAH senior citizen health insurance -
- Self-harm or injuries intentionally inflicted by oneself
- Adverse events caused by natural catastrophes
- Health conditions stemming from unlawful actions
- Cosmetic procedures
- Wars or nuclear damage
Check out some frequently asked questions about HAYAH senior citizen health insurance next -
FAQ's
Q1. What is a direct billing claim?
Ans: A direct billing claim is an arrangement where medical service providers send their bills directly to the insurance company or its third-party administrator, simplifying the billing process for the insured individual.
Q2. What is co-payment?
Ans: Co-payment refers to the portion of eligible expenses, often expressed as a percentage, that insured individuals must pay for certain health services covered by the insurance contract. This amount is not reimbursed and is deducted from the total claim.
Q3. Do I need to make payments when I visit a hospital or clinic?
Ans: You may be required to pay a deductible or coinsurance amount, depending on your plan's terms and conditions.
Q4. What is a reimbursement claim?
Ans: A reimbursement claim involves the insured person seeking repayment for medical expenses incurred at a non-network facility or outside the geographical coverage specified by the policy.
Q5. How can I submit a reimbursement claim?
Ans: Before submitting a reimbursement claim to HAYAH, make sure that you've completed all sections of the claim form and attached all necessary supporting documents. You can submit your claim through the TPA Mobile App.
Q6. How long does it take to process a medical reimbursement claim?
Ans: HAYAH insurance usually processes claims related to medical reimbursement in up to 10 working days.
Q7. In case there is a need for pre-approval, what process should I follow?
Ans: The pre-approval process is typically handled by your network provider. Out-of-network services may not require pre-approval.
Q8. How long shall I wait for pre-approval?
Ans: Pre-approval is started once your network provider submits all relevant medical information. The approval for valid services, as per your policy's terms and conditions, is usually granted within 2 to 24 hours.
Q9. What do you mean by non-network provider?
Ans: A non-network provider refers to a healthcare service provider that is not part of the applicable network under your health insurance plan.
Q10. What do I need to do when going to a hospital or clinic?
Ans: When visiting a hospital or clinic, you will be required to carry your HAYAH medical card and another type of identification like your Emirates ID or valid passport. In case you're going to a provider outside your network, make sure to carry the reimbursement claim form.
Q11. What is a provider?
Ans: A provider is a healthcare professional or facility that offers medical services, including doctors, specialists, nurses, health centres, physical therapists, laboratories, and hospitals.
Q12. When do I need pre-approval?
Ans: Pre-approval is needed for elective health services and services covered by your insurance plan such as hospitalisation, diagnostics (like MRI and CT scans), surgery, dental services, long-term medication, optical services, nursing at home, alternative medicine, regular examinations, physiotherapy, and psychiatric treatment.
Q13. What is a network?
Ans: A network consists of contracted healthcare providers that offer healthcare services to members of the specific health insurance policy via direct billing.
You May Also Know About Health guide:
Health Insurance Popular Searches
Health Insurance | Health Insurance Cost in Dubai | Health Insurance for Kids | Family Health Insurance | Dental Insurance | Individual Health Insurance | Health Insurance Abu Dhabi | Medical Insurance Sharjah | How to check Medical Insurance status with Emirates ID | Best Medical Insurance in UAE | Health Insurance for Parents | Maternity Insurance UAE
More From Health Insurance
- Recent Articles
- Popular Articles
.jpg)
Last Updated : 20 Feb 2026How To Update Emirates ID In Etisalat?Knowing how to update Emirates ID in Etisalat helps you keep your telecom services active and compliant with UAE regulations.
Last Updated : 16 Feb 2026Emirates ID Authority Sharjah- Services, Locations, and Working HoursThe Emirates ID Authority (Sharjah) Emirates ID Centre in Sharjah provides services such as biometrics registration and identification for UAE Nationals; it also serves as a home base for the majority of UAE residents.
Last Updated : 16 Feb 2026Best Health Insurance for Surgery in UAE 2026Health insurance pays for the medical expenses associated with a surgical procedure. This includes hospital admit, surgeon fees, diagnostic tests and post-surgery care.
Last Updated : 10 Feb 2026Dubai Healthcare CityDubai Healthcare City (DHCC) is a leading medical free zone in Dubai, offering world-class hospitals, clinics, wellness centres, and healthcare services.
Last Updated : 30 Jan 2026Emirates ID Tracking – Track Your Emirates ID CardTrack your Emirates ID status online in the UAE. Learn how to check application status, processing stages, delivery details online in the UAE.
Last Updated : 11 Feb 2026Is the Nipah Virus Outbreak a Concern for UAE Travellers?Should UAE Travellers be concerned about the new Nipah Virus Outbreak? Read the latest health updates, travel precautions, and expert advice for safe travel amid regional screening and low risk.
Last Updated : 10 Feb 2026How to Check Medical Insurance Status with Emirates ID?Emiratis will now be able to use their Emirates ID cards not only to go through immigration gates at the airport but to avail of medical services in the UAE.
Last Updated : 28 Jan 2026Best Health Insurance Companies in Dubai, UAE 2026Find the Top 10+ Health Insurance Companies in Dubai, UAE Offering Comprehensive Health Insurance Coverage and Exceptional Services at Affordable Prices.
Last Updated : 27 Nov 2025How to Check the Status of Your Health Insurance Online?The easiest way to get familiar with your plan details or check the active status is to do it online. Let’s figure out how to check if your health insurance plan is active online.
Last Updated : 11 Feb 2026Can You Buy Health Insurance for New Born Baby in UAE?Don't know whether you can buy medical insurance for new born baby in UAE? In this article we’ll share everything you need to know about health insurance for newborn baby.
Last Updated : 08 Jan 2026Dental Insurance UAE: Dental Insurance Types, Coverage & BenefitsDental Insurance UAE: Know All about Dental Insurance, Types, Coverage & Benefits. Dental Insurance Covering Most of the Dental Treatments, You can Drop off Your Worries About Costly Therapies.
Last Updated : 27 Nov 2025Where Can I Get Medical Help Without Having Health Insurance in UAE?Not everyone in the UAE can afford to buy a health insurance policy to avail of quality medical care benefits. To help out such people, we have listed here a few places and ways of getting medical help.
