Sukoon (formerly Oman) features and benefits with respect to its health insurance and understand why it is one of the top choices for individuals and families in the country.
In Dubai, it is mandatory to have medical insurance. Having a medical insurance plan in Dubai can be highly beneficial, as you can have financial coverage for treatments, diagnostic tests, post-surgery therapies like physiotherapy, and more. Most medical insurance Dubai, UAE plans offer maternity ...read more
With increasing healthcare standards in the UAE, 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 companies offer medical insurance.
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.
Need to buy 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.
Healthcare standards in Dubai are one of the best in the world, but the quality of treatment comes with a cost. Medical Insurance cost in the UAE mainly depends on an individual’s nationality and the type of insurance plan they’re opting for.
The cost of average medical plans is as follows.
Note: As per the coverage of the medical insurance plan, the premium may vary.
The right medical policy provides you with extensive coverage and costs less. Following are the affordable medical insurance options in Dubai.
|Medical Insurance Plan||Key Benefits||Apply Now|
|Dubai Insurance Company||
|Orient Takaful Insurance||
|Al Sagr Insurance||
|Abu Dhabi National Insurance Company||
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|
|Dubai Insurance Company|
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 provider 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 –
|Sukoon Health Insurance Plans||Medical Coverage Amount (Max)|
|Home Lite||AED 250,000|
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 –
|Dubai Health Insurance Company Plans||Medical Coverage Amount (Max)|
|Dubai Care N5||AED 1,000,000|
|Silk Road||AED 1,000,000|
|Dubai Care N3||AED 1,000,000|
|Dubai Care N2||AED 1,000,000|
|Silver Classic||AED 1,000,000|
|Dubai Care Exclusive N2||AED 1,000,000|
|Silver Premium||AED 1,000,000|
|Dubai Care N1||AED 1,000,000|
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 –
|Takaful Emarat Health Insurance Plans||Medical Coverage Amount (Max)|
|Ecare Blue||AED 150,000|
|Silk Road||AED 1,000,000|
|Silver Classic||AED 1,000,000|
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 Takaful Health Insurance Plans||Medical Coverage Amount (Max)|
|Plan 5||AED 1,000,000|
|Silk Road||AED 1,000,000|
|Plan 4||AED 1,000,000|
|Silver Classic||AED 1,000,000|
Orient 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's medical policy, 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 health insurance plans –
|Orient Health Insurance Plans||Medical Coverage Amount (Max)|
|Silk Road – Family Care||Upto medical cover|
|Pearl – Family Care||AED 1,000,000|
|Green – Family Care||AED 1,000,000|
|Silver Classic – Family Care||AED 1,000,000|
|Gold – Family Care||AED 1,000,000|
|Silver Premium – Family Care||AED 1,000,000|
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.
|Name of Medical Plan||Maximum Cover Amount||Key Benefits|
|Sukoon Safe||AED 150,000||
|Dubai Care N5||AED 1,000,000||
|Takaful Emarat Silver||AED 1,000,000||
|Orient Takaful Insurance Plan 5||AED 1,000,000||
|Orient Insurance Pearl – Family Care||AED 1,000,000||
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 estimated cost of your medical 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.
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:
Q1: Can I buy best health protection plans online in Dubai?
Ans: Yes, you can visit the official website of an insurance provider in Dubai and buy a best medical insurance uae that’s suitable for you. You can compare and buy best medical insurance at policybazaar.ae simply by entering a few basic details.
Q2: Is it mandatory to buy best medical insurance in uae, Dubai?
Ans: Yes, according to federal laws in the UAE, it is compulsory for an individual to possess medical insurance Dubai. While most employers offer best medical insurance Dubai, sometimes it may not be enough to cater to your medical needs in present. That is why it is judicious to buy a best insurance uae that’s in line with your requirements.
Q3:What is the average medical insurance cost in Dubai?
Ans: An average medical insurance cost in Dubai for an individual can go up to AED 10,000. For a family of 4 members, the medical insurance cost can range between AED 17000 to 18000.
Q4: Which companies offer affordable medical insurance Dubai, UAE?
Ans: Following are the insurer who offer affordable medical insurance Dubai, UAE plans.
Q5: Do I get maternity coverage in every best medical insurance in UAE?
Ans: Basic medical insurance plans may not cover maternity expenses; it is better to go through the insurance inclusions while applying for medical insurance in Dubai.
Q6: Does best medical insurance Dubai cover diagnostic expenses?
Ans:Yes, most medical plans cover lab tests and diagnostic expenses.
Q7: What is the geographical coverage limit for medical insurance Dubai?
Ans: While most insurance plans offer worldwide coverage (except the USA and Canada), you can also choose local policy at affordable rates in Dubai.
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