Medical Insurance Cost in Dubai

With increasing uae medical insurance prices, the cost of treatment is also rising higher. Meeting medical expenses from your savings can cost you a fortune and drain you out of all that you’ve accumulated so far. But with a best medical insurance UAE to cover your treatment expenses. Being the financial and healthcare hub, several medical insurance companies in Dubai, UAE, offer comprehensive coverage.

Medical insurance secures the policyholder against the expenses incurred during treatments such as hospitalisation, surgeries, medications, daycare procedures etc. As a policyholder, you can get your healthcare expenses reimbursed or receive cashless treatment at various hospitals in the UAE.

Understanding Medical Insurance Prices in UAE

Need to buy the best medical insurance in UAE. You should be aware of What is Medical Insurance, and What it will cover in UAE.

A medical insurance plan is typically a contract between the policyholder and the insurance company that secures the earlier to meet the treatment expenses across the hospitals in the UAE. A medical insurance plan pays the medical cost of the policyholder either through cashless treatments or reimbursement. In the case of cashless treatments, the policyholder is not required to pay any treatment cost from his own pocket. According to federal laws, health insurance is mandatory in the UAE. Most employers in Dubai provide medical insurance, however, in other cases, you need to buy your medical cover on your own.

General Price Ranges for Medical Insurance in the UAE

1. Basic Health Coverage: The basic health insurance plan in Dubai costs around AED 616 per annum*. These plans provide essential benefits to meet the basic health coverage requirements.
2. Mid-Range Plans: The average cost of a mid-range medical insurance plan in Dubai  is AED 3,000 per annum. These plans offer a broader range of healthcare services, including outpatient consultations and basic hospitalisation.
3. Comprehensive Health Insurance Plans: Comprehensive health insurance plans in Dubai are priced at around AED 5,500 per annum. These plans include extensive coverage, offering higher limits for inpatient and outpatient services, specialist consultations and sometimes even dental and optical care.

*The basic plan is only for members earning below a salary of AED 4001 per month (salesman and sales role visa holders cannot apply for this plan) 

Health Insurance Prices As Per Different Categories

1. Family Health Insurance (4 Members): The average cost for a family health insurance plan covering four members is AED 15,000 per annum. This plan covers inpatient and outpatient services for all family members, including children.
2. Medical Insurance for Females Sponsored by Husbands: The cost is AED 2,727 per annum. This plan covers basic health services, including maternity care and regular check-ups.
3. Couples with Joint Medical Policy: The average cost for a joint medical policy for couples in Dubai is AED 9,000 per annum. This coverage generally includes comprehensive health benefits, such as inpatient and outpatient care, specialist consultations and emergency services.

Insurerwise Health Insurance Cost in UAE

Top & Cheapest Medical Insurance in UAE

The right medical policy provides you with extensive coverage and low cost health insurance. Following are the Cheapest Medical Insurance in UAE.

Medical Insurance Companies in Dubai, UAE

Dubai’s insurance market is quite competitive in nature considering the variety of medical insurance providers present in the market currently.  As a resident of Dubai, you get numerous best medical insurance dubai options. Additionally, the insurance providers offer various options to customize your chosen protection plan.

Top 5 Medical Insurance Companies in UAE

Sukoon Insurance 

Sukoon Insurance, with over 47 years of health insurance industry-leading experience, is renowned for its innovative online solutions that help in the efficient claim payment process. This insurance company in the UAE provides maternity cover, applicable to post-natal consultations, investigations, and procedures. 

The coverage extends to laboratory tests, consultant fees, and in-patient services. There's a co-payment structure for consultation, outpatient procedures, and physiotherapy, with a maximum copayment per treatment set as well.

Given below are the types of Sukoon health insurance plans available along with the medical coverage amount – 

Dubai Insurance Company

Dubai Insurance Company, established in 1970, is the first national insurer in the UAE and has amassed over 50 years of valuable experience in the industry. As a composite insurance provider, it offers a wide variety of insurance services ranging from life to non-life insurance policies. 

Its outstanding financial stability is underscored by its impressive ratings of A- (Excellent) with a positive outlook by AM Best and A3 with a stable outlook by Moody's. These high ratings certainly attest to the company's consistent performance and solid financial strength.

The company's health insurance package includes comprehensive maternity coverage, outpatient services, newborn care as per DHA guidelines, laboratory tests, dental treatments, alternative medical treatments, essential adult vaccinations, consultations with physicians, and more. 

Mentioned are some of the top Dubai health insurance plans along with their medical coverage limits – 

Takaful Emarat

Takaful Emarat is a progressive insurance entity that offers an innovative approach to insurance. As a cooperative insurance system, it aligns with both the UAE law and the principles laid out by an appointed Shariah supervisory board to represent a modern and ethical approach to the field of insurance. 

Unlike conventional insurance systems, which involve risk-incurring investments that generate profits exclusively for the company, Takaful Emarat operates on the basis of shared responsibility and mutual aid. This ensures that no individual member can exploit the system for personal advantage at the expense of others, fostering a sense of community and cooperation among policyholders for the shared benefit of all members.

Takaful Emarat health insurance plans provide comprehensive coverage. This includes both outpatient and inpatient maternity services, provision for alternate medicine, repatriation of mortal remains coverage, and more. In addition, any conditions escalating into emergencies are also covered up to the annual aggregate limit. 

Check out the table below for some  of the top Takaful Emarat health insurance plans – 

Orient Takaful Insurance

Orient Takaful Insurance, a subsidiary of Orient Insurance PJSC, is a leading provider of Sharia-compliant (Takaful) insurance solutions. Adhering to the principles of mutual cooperation and shared responsibility, the company offers a range of Takaful products that align with Shariah laws. 

These products encompass various areas including life, health, and general insurance, ensuring broad-spectrum risk management for individuals and businesses alike. Orient Takaful Insurance sets itself apart by reinstating the fundamental principles of insurance to their original form which is to provide mutual help and assistance within the community.

Orient Takaful health insurance plans provide extensive coverage, which comprises in-patient and out-patient maternity services, pre-existing & chronic conditions, psychiatry treatment, and more.

Let’s take a look at the prominent Orient Takaful health insurance plans with their medical coverage amounts – 

Orient Insurance

Orient Medical Insurance, a leading Public Joint Stock Company in the UAE, is renowned for its extensive portfolio of insurance offerings that address a spectrum of needs. The company's breadth of insurance services encapsulates home, motor, and life insurance among others, while providing an impressive suite of health insurance solutions tailored for the residents of Dubai.

Among Orient's health insurance offerings, a standout feature is its generous annual coverage limit. With Orient medical insurance, policyholders can benefit from an annual coverage reaching up to AED 1,000,000. This level of coverage is remarkable in its magnitude as it provides substantial financial protection to the insured. Moreover, its health insurance plans span both local and international territories.

Listed below are the notable orient medical insurance plans – 

Best Medical Insurance Plans in Dubai

In order to receive comprehensive medical protection, you need to find the best medical insurance plan in Dubai to meet your healthcare requirements. Following are the best medical insurance plans available in Dubai along with their benefits and coverages. 

List of 10 Health Insurance Company in UAE

How to Find Medical Insurance Quote Online in UAE

You can visit our medical insurance section at Policybazaar.ae and enter your personal and contact details to find the online quotes. Based on your age and occupation, residency and dependent family members, you can find the low cost health insurance plan and choose the best policy as per your budget and requirements. 

Alternatively, most insurance companies offer online quotes when you purchase the best medical insurance in Dubai. You can visit the insurer’s official website and fill out an online application form to get medical insurance online quotes. 

Compare Top Medical Insurance in UAE

It’s important that you conduct a thorough research before buying a plan of medical insurance Dubai. Evaluate, your needs and find a plan that suits your requirements. While doing so, you need to take a few things into account. Some of them are listed below: 

• Coverage - Before buying an insurance plan, you need to go through the inclusions and exclusions. With this, you can find the coverage extent of various insurance plans. Once you have the list, you can easily choose the best low cost health insurance suiting your healthcare needs. 
• Price - Along with the insurance coverage, you need to consider the price of your medical plan. Find a policy that provides comprehensive coverage at a reasonable price and falls under your budget. With a proper uae medical insurance prices comparison, you can find the best medical policy that suits your healthcare needs. 
• Additional Riders - Every insurance provider offers additional coverage with a nominal increase in your policy premium. You can customise your medical insurance plan as per your needs. Choose an insurance plan that offers a variety of options for customisation. 
• Company Reliability - To avoid getting scammed while paying your medical bills, you should check the reliability of the insurance company. A reputed provider focuses on customer satisfaction and hassle-free procedure. 
• Claim Settlement Ratio - It is crucial to check the claim settlement ratio as it depicts how responsibly the insurer handles insurance claims. The claim settlement ratio is the ratio between total claims filed and the number of claims settled. With this ratio, you can predict how likely your claim will be settled.