Health Insurance Dubai: Buy Medical Insurance Plan Online @4* AED

What is Health Insurance?

Health insurance, also known as medical insurance, is a type of policy that covers your medical expenses. It includes doctor visits, hospital stays, surgeries and sometimes prescription drugs. In exchange for a monthly premium, the insurance company shares the cost of your healthcare, which reduces the financial burden of expensive treatments.

With the right health insurance, you are better prepared for unexpected medical emergencies and can access quality healthcare without worrying about overwhelming costs. It also promotes regular health monitoring and helps prevent serious conditions through early intervention.

Top Health Insurance Dubai Plans - 2025

Explore Tailored plans to Safeguard Your Future

Plans shown as per selected filters. T&Cs apply

Key Features of Health Insurance

Here are the prominent features of health insurance UAE -

Key Features	Insurance Benefits Offered
Health Insurance Cost	Starting at AED 4/Day
Coverage Amount	Up to AED 5 million
Minimum Entry Age	0 years ( Newborn Baby )
Maximum Entry Age	99 years
Process for Claim	Policybazaar UAE Portal & Insurer Portals
Claim procedure	Cashless or Reimbursement
Who Should Buy	Self, Family, Domestic Workers, Investor
Covered	In-Patient Service, Out-Patient Service, Maternity Coverage
Buy/Renew Process	Online

Types of Health Plans	Suitable For
Individual Plan	Single adults seeking personal coverage
Family Floater Plan	Families wanting inclusive coverage for all family members
Senior Citizens Plan	Elderly individuals (usually above 60 years) requiring more frequent medical care
Kids Plan	Children and adolescents requiring paediatric care
Group	Employees of a company, providing benefits as a group
Critical Illness	Those requiring financial protection against serious illnesses like Cancer, Stroke, Kidney failure and many more

Best Health Insurance Dubai Plans in 2025

List of best Health insurance Dubai plans and their features —

Insurance Company	Medical Insurance Cover and Network Hospital	Features
Sukoon Insurance	Cover: AED 5 Million Network Hospitals: 1500 +	DHA Essential Benefits Plans (EBP) plans available Pre-existing disease cover: Up to AED 150,000 Maternity cover and Ambulance cover Lab tests
Dubai Insurance Company	Cover: AED 1 Million Network Hospitals: 1185 +	Physiotherapy: Up to 15 sessions per year Alternative medicine: Up to AED 1,600 Wide medical network and Worldwide coverage available
Takaful Emarat	Cover: AED 1 Million Network Hospitals: 909 +	Prescription drug cover: Up to AED 10,000 Mortal remains’ repatriation: Up to AED 15,000 Dental and gum treatment: 20% coinsurance Diagnostics like X-Ray, CT-Scan, and MRI covered
Orient Takaful	Cover: AED 1 Million Network Hospitals: 1650 +	Individual and group medical insurance Pre-existing disease cover: Up to AED 150,000 Psychiatry: Up to AED 10,000
Cigna Insurance	Cover: AED 7.35 Million Network Hospitals: 1650 +	Physiotherapy: Up to 30 visit covered Worldwide coverage available Alternative medicine (Ayurveda, Homeopathy) covered
Salama Insurance	Cover: AED 1 Million Network Hospitals: 250 +	Two types of options — Essential Benefits Plan and Enhanced Benefits Plan Flexible healthcare for families and domestic helpers Medical emergency services available across the country
Watania Takaful (formerly Noor Takaful)	Cover: NA Network Hospitals: 1600 +	Comprehensive medical insurance plans for individuals and families 1,600+ care centres available Accidental death and personal accidents covered Homeland treatment coverage is included
Daman Health	Cover: AED 500,000 Network Hospitals: 900 +	Both individual and business plans available Separate coverage for domestic helpers Psychiatric treatment: Up to AED 10,000 (annually) Alternative medicine covered 20% coinsurance for dental and gum treatment
Al Sagr Insurance	Cover: AED 1 Million Network Hospitals: 900 +	20+ enhanced Emirates plans for individuals and families 4 different insurance packages: Executive, Standard, Economic, and Essential Worldwide coverage available Global emergency services by Assist America

Choose Health Insurance Coverage of Your Choice

150KHealth Insurance

250KHealth Insurance

500KHealth Insurance

1MillionHealth Insurance

3MillionHealth Insurance

5MillionHealth Insurance

7.5MillionHealth Insurance

10MillionHealth Insurance

15MillionHealth Insurance

All coverage in AED*

5 Reasons Why You Should Buy Medical Insurance in UAE

Medical insurance covers your medical and hospitalization expenses, in the event of a health emergency. Here are a few reasons why you should have a health insurance plan beyond the mandatory scheme.

1. Financial protection from unexpected medical bills

It’s always better to have the right medical insurance coverage so that you can protect your finances from costly medical bills.

2. Coverage for a wide range of medical treatments and procedures

Usually, most health insurance policies cover a wide range of medical treatments and procedures. If not planned for, these expenses can drain your savings.

3. Access to better hospitals and healthcare providers

Choosing the right health insurance policy is critical to you having access to the best hospitals and healthcare providers, especially in the case of a medical emergency, when you need the best care and treatment.

4. Coverage for preventative care

Most people do not consider the expenses they are likely to incur for preventive care. A good health insurance policy will ensure you can meet any out-of-pocket expenses, including preventive care without hospitalization.

5. Peace of mind knowing you're covered in case of an emergency

The best part about having a good health insurance policy is that it helps you focus on recovering faster without having to stress about costly medical bills.

When to Buy Health Insurance Plans in Dubai, UAE?

It’s advised you purchase a trusted health insurance policy in UAE, as soon as you move to Dubai. Generally, pre-existing conditions are typically not covered for a certain period after moving to Dubai (usually for 30 to 90 days). However, getting medical insurance early ensures you are covered after this waiting period.

Also, if you are planning to start a family, make sure to consider health insurance plans that cover maternity and childcare.

How to Find the Right Health Insurance Plan in Dubai, UAE?

Choosing the right health insurance plan in Dubai can feel overwhelming. However, a step-by-step approach can help you make the right decision for yourself and your family.

Follow the key points below —

Compare Coverage Options: You can find different types of plans — from basic packages that cover general medical needs to more comprehensive options that include maternity, dental, optical, and specialist care. Choose a policy that covers the services you’re most likely to use.
Check Hospital and Clinic Networks: Always check which hospitals and clinics are included in the insurance provider's network. Go for a plan that includes well-rated medical facilities near your home or workplace for convenience and quality care.
Review Premiums and Co-Payments: Lower premiums might seem attractive, but they can come with higher out-of-pocket expenses later. Understand how much you will pay monthly and during medical visits. Choose a balance between premium cost and what is covered.
Watch for Exclusions and Waiting Periods: Some treatments or conditions may not be covered immediately or at all. Be sure to read the policy carefully to understand what’s excluded and how long you must wait before certain benefits are available.
Look for Extra Benefits: Some plans offer maternity benefits, wellness programs, international cover, or access to telemedicine. These extras, depending on your lifestyle, can add great value.
Choose a Trusted Insurance Provider: Select a provider known for reliability and smooth claims processing. Look at customer reviews and DHA approval to ensure the plan is legal and compliant with Dubai Health Authority standards.

Health Insurance Inclusion & Exclusions in Dubai

Covered
Not Covered

Before starting the process to buy health insurance, first understand the key inclusions and exclusions —

In-Patient Service - Hospital accommodation, ambulance service, emergency treatment, repatriation costs, and pre-existing conditions
Out-Patient Service - Newborn cover, laboratory tests ( X-ray, CT-Scan, and MRI ), physiotherapy treatment, and more
Maternity Coverage - In-patient and out-patient services, complications, miscarriage and legal abortion coverage
Pre-Existing and Chronic Conditions - Each provider has its own coverage features and rules for pre-existing and chronic diseases.
Vaccines and Preventive Services - Covered as per the schedule of the policy
Emergency Cases - Hearing, Vision, Dental and Gum Treatment
Physiotherapy Treatment - A certain number of sessions per member are covered by some plans

While the exclusions of the plans by top Medical insurance companies vary as per the chosen plan, some of the general exclusions are as follows —

Surgical and non-surgical treatment for obesity
Cosmetic surgeries
Growth hormone therapy unless medically suggested
Services and treatments for contraception, sex transformation, or sterilisation
External prosthetic devices and medical treatment
Treatments required due to injuries caused by professional sports activities

Why Is Health Insurance Mandatory in Dubai, UAE?

Health insurance is a legal requirement for all residents in Dubai and across the UAE. As per the laws, every individual, whether working or living in the country, must have access to essential healthcare services without facing heavy financial burdens.

The government introduced mandatory medical insurance in Dubai to —

Protect public health by ensuring that everyone has access to basic medical care
Reduce pressure on public hospitals by encouraging people to use private medical facilities covered by insurance
Ensure visa compliance because valid health insurance is now a requirement for renewing or issuing residency permits.
Support employers and workers, as the government offers affordable health packages to reduce costs for businesses while ensuring employee well-being.

From January 1, 2025, employers in the UAE are required to purchase a basic medical insurance policy for their employees to process residency visas. This policy covers essential medical services and includes affordable treatment options through approved networks. The initiative also helps families of workers gain access to similar health benefits. In most cases, dependents can be added to the same insurance plan for a nominal cost.

Fines & Penalties for Not Having Health Insurance in UAE

Health insurance is mandatory in the UAE. Failing to comply as an individual or an employer can lead to strict penalties, fines and visa-related restrictions.

Penalties for Individuals (Residents / Employees / Dependents)

Violation	Penalty
No valid health insurance (Dubai - Law No. 11 of 2013)	AED 500/month until health insurance is obtained.
No insurance for dependents (e.g., spouse, children, housemaid)	AED 500/month per dependent.
Visa renewal application without proof of health insurance	Visa application is suspended until valid insurance documentation is submitted.
Submitting fraudulent health insurance documents	Fines, legal proceedings and potential visa cancellation or deportation.

Applicable primarily in Dubai. In Abu Dhabi, proof of health insurance is required for all visa renewals and cancellations. In other emirates, federal rules apply in case of Golden/Investor/Work Visa processing.

Note: Under Dubai Law No. 11 of 2013, employers must bear the cost of employee health insurance without deducting from wages. Similar provisions exist in Law No. 23 of 2005 in Abu Dhabi.

Read More about Health Insurance fines in UAE

Eligibility Criteria for Buying Medical Insurance in UAE

Mentioned below are the general eligibility criteria for Medical insurance in Dubai (UAE) —

Eligibility Criteria	Specifications
For Adults	18 years - 99 years
For Dependent Children (applicable to family health insurance)	Birth - 17 years
Pre-Existing Health Condition Waiting Period	Usually 6 months

Medical Insurance VS Health Insurance - Explained!

Aspect	Health Insurance	Medical Insurance
Scope of Coverage	It’s a broader term comprising medical insurance, dental insurance, vision insurance, etc.	Covers hospitalization costs, surgeries, and some specialist consultations.
What is covered?	Medical, dental, vision care, outpatient care (depending on plan).	Inpatient care, surgeries, emergency room visits.
Focus	Offers a wider range of coverage options depending on individual needs.	Primarily covers costs associated with hospital stays and major medical events.
Network	You get access to a wider network of clinics and hospitals.	You get access to a limited network of clinics and hospitals.
Preventive care	Mostly covers preventive care services.	May not cover preventive care expenses for vaccinations and checkups.
Cost	Costs are lower for premiums as coverage is limited.	Costs are higher for premiums as it offers comprehensive coverage.

Documents Required to Renew or Buy Medical Insurance in Dubai, UAE

Here is a checklist of the documents commonly required for buying Medical insurance in UAE —

Original Emirates ID
Original passport
Original residence visa (applicable to expatriates)

Note: The concerned insurance provider may require additional documents as per its requirements.

Health Insurance TPA - Third Party Administrator in UAE

How to Renew Health Insurance Policies in Dubai ?

With Policybazaar.ae, you can buy and even quickly renew medical insurance plans online. If you purchased from our platform, simply follow these steps —

Log into your Policybazaar.ae account.
On the dashboard, a list of your insurance plans will appear.
Locate and select your health insurance plan that has to be renewed.
Choose the option to renew the policy and review it.
Make customisations, if required, and follow the prompted steps to proceed with the renewal process.

Note: Once renewed, the policy details will be sent to your registered email ID.

If you got your plan from another platform, you can fill up the lead form in the health insurance section of Policybazaar.ae. One of our representatives will connect with you and guide you through the renewal process.

How to File a Medical Insurance Claim in Dubai?

In the UAE, policyholders can make both cashless and reimbursement claims. Mentioned below are the general steps for both types of claims —

Cashless Claims

Go through the list of network hospitals mentioned in your policy document.
Select your preferred hospital and get in touch with its insurance help desk.
Provide your policy details and fill in the pre-authorisation form.
Upon submitting the form and other details, your claim process will be initiated and the hospital bills will be directly settled between your insurance company and the hospital.

Reimbursement Claims

Notify your provider regarding the medical treatment that you want to avail of.
After the treatment from your desired hospital, settle the medical bills and collect other documents such as prescriptions, medical reports, and so on.
Download the claim form for your healthcare insurance Dubai from your provider’s website and fill it out correctly.
Submit the form and other required documents to your provider as prompted.
The concerned insurance company will evaluate your form and reimburse your bill amount.

FAQ about Health Insurance in UAE

Health Insurance
Claim
Coverage

Will my health insurance remain active if my Emirates ID expires?

Yes, your medical insurance in UAE, including medical insurance in Dubai, will remain active even if your Emirates ID expires.

Can I buy more than 1 Medical insurance in UAE?

No. According to UAE law, you cannot have dual health insurance in UAE. Each person must have only one health insurance policy.

Can I cancel my Medical insurance at any time?

Yes, you can cancel your health insurance policy at any time. However, this comes with its own terms. For instance, after you purchase a policy, there is a 'cooling-off period' of around 30 days. You can get refund only if you cancel the policy in this period and don't make any claims.

Is it possible to switch to a new health insurer at any time?

Yes, you can switch to a new health insurer but with certain restrictions. You usually have to wait for the renewal period or meet special criteria such as job changes or visa updates. Mid-year switching is restricted.

Which is the best health insurance plan?

The best health insurance plan in the UAE depends on your age, visa type, medical history and whether you need local or international coverage. You should research carefully or talk to an insurance expert before selecting a plan. However, it’s always better to choose a comprehensive health insurance plan. These plans offer broader coverage, larger hospital networks and better protection during medical emergencies.

Is health insurance free in UAE?

Cashless network hospitals are healthcare facilities that have a direct agreement with your insurance provider. When you visit these hospitals, you don’t need to pay for covered services upfront — the insurance company pays the bill directly. You just show your insurance card or Emirates ID and the hospital coordinates with the insurer. However, it's important to check whether a hospital is included in your insurer’s approved network list or not.

What is the penalty for not having health insurance in Dubai?

In Dubai, health insurance is mandatory for all residents. If you don’t have valid health insurance in Dubai, you may face a fine of AED 500 per person, per month. This fine continues to accumulate until coverage is arranged. Additionally, being uninsured can lead to visa renewal delays or rejections. To avoid penalties and ensure access to healthcare, it’s important to stay covered under a compliant insurance plan at all times.

What documents are required for a Medical insurance reimbursement claim?

You usually need the following documents for health insurance reimbursement claim - Filled and signed claim form (by doctor and patient) Itemised invoices with treatment and service breakdown Payment proof (receipts, bank slips) Doctor’s prescription and reports if applicable

How long does it take to settle a reimbursement claim?

It usually takes about 2–3 weeks to settle a health insurance reimbursement claim in the UAE. However, the actual time can vary depending on the insurance provider, the accuracy of your submitted documents and the complexity of the claim. Some insurers may process claims faster, while others might take longer.

In which circumstances can insurance companies deny claim requests?

Health insurance claims can be rejected due to — Incomplete or missing documents Unlisted services (not covered under the policy) Delay in claim submission Excluded conditions (like pre-existing illnesses not disclosed)

How does an insurance claim work?

"An insurance claim is a way to ask your insurance company to pay for your medical treatment. If you go to a hospital that is in your insurance network, you don’t need to pay. The hospital will send the bill directly to the insurance company — this is called a cashless claim. If you visit a hospital that is not in the network, you have to pay the bill first. Then, you send the receipts, reports and a claim form to your insurance company. They will check everything and decide if they will pay you back."

What are the 4 stages of insurance claims?

Four steps in health insurance claim includes the following — Notification – You inform the insurer about the treatment or medical event, usually through a claim form or online portal. Documentation – You submit all necessary documents such as bills, prescriptions and reports. Assessment – The insurer reviews your claim to check if it meets policy conditions. Settlement – If approved, the insurer pays the hospital (for cashless) or reimburses you (for reimbursement).

How can I add more coverage to my basic standard health insurance plan?

You can enhance your basic standard plan by choosing additional coverage options offered by providers like Daman Health Insurance or ADNIC Health Insurance. These options may include coverage for dental care, maternity benefits, or extended hospital stays.

Does UAE health insurance cover all diseases?

Not all. Basic plans cover essential health services but not all diseases or conditions—especially: Cosmetic procedures Some dental and optical services Pre-existing conditions unless declared and approved For full coverage, many residents opt for comprehensive health insurance plans in the UAE.

What is the most common health insurance coverage?

In the UAE, the most common health insurance coverage is through basic employer-provided plans under government guidelines like DHA Essential Benefits Plan (EBP). These plans include outpatient care, emergency services and basic inpatient coverage with annual limits starting from AED 150,000. They are popular because they meet legal requirements and are affordable for employers.

What is the minimum coverage for DHA?

According to the Dubai Health Authority (DHA), the minimum coverage under the Essential Benefits Plan (EBP) includes an annual limit of AED 150,000. For inpatient care, there is a 20% co-payment, limited to AED 500 per visit and a maximum of AED 1,000 per year. The plan also includes outpatient care like doctor visits, diagnostic tests, and minor procedures, with a 25% co-payment capped at AED 100 per visit. This plan is mandatory for low-income workers, dependents, and some visa holders in Dubai.

Are pre-existing conditions covered ?

Yes, most health insurance plans in the UAE — including the basic plans — cover pre-existing conditions. However, a waiting period of upto six months may apply.