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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 Dubai.
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.
What is a Medical Insurance Plan?
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.
Cost of best Medical Insurance Dubai
Healthcare standards in Dubai are one of the best in the world, but that 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.
An average medical plan for an individual can cost around AED 10,000 per annum.
For basic medical covers, Family health insurance in Dubai costs anywhere between AED 17000 to 18000.
Comprehensive health insurance premiums for ex-pats can cost around AED 5,500 annually. For a family of four members, the medical insurance dubai cost can go up to AED 33,500.
Couples with joint medical policy need to pay an annual average amount of around AED 36, 324.
Cheap Medical Insurance Options in Dubai
The right medical policy provides you with extensive coverage and costs less. Following are the affordable medical insurance options in Dubai.
Medical Insurance Plan
Starting Annual Premium Cost
Key benefits
Axa Medical Insurance
AED 677
Direct billing for in and outpatients within the UAE
Maternity cover
Pre-existing and chronic conditions, maternity cover
Local medical insurance with worldwide benefit options
see more
Medical Insurance Companies in Dubai
Dubai’s insurance market is quite competitive in nature considering the variety of 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. Here is a list of some popular medical insurance providers in Dubai.
AXA is one of the best medical insurance companies in UAE with over 70 years of experience in the Gulf region. The company is dedicated to providing worldwide health coverage at affordable rates. In addition, the company focuses on offering reliable services to the customers focusing on their specific needs. Here’s a list of benefits offered with AXA medical insurance dubai.
AXA insurance company offers affordable insurance plans also for individuals with salary below AED 4000.
You can opt for individual as well as family plans.
Maternity benefits are covered as part of the insurance plan.
Enjoy benefits of up to AED 7.5 million depending on your insurance plan.
Dubai National Insurance and Reinsurance Company
Established in 1991, DNIRC is the first insurance company to be listed on Dubai Financial Market. DNIRC medical insurance cost in UAE are one of the cheapest and offer comprehensive protections against a variety of health issues. Some benefits of DNIRC are as follows.
DNIRC offers worldwide medical coverage of up to 1 million per year depending on various plans.
As maternity benefits, you get expense coverage of AED 10,000.
Along with various medical benefits, you can also avail yourself of dental coverage with a DNIRC best medical insurance uae plan.
Salama Takaful Insurance Company
With over 40 years of experience, Salama is one of the most popular Islamic health insurance providers in the UAE. Apart from life, motor and home insurance, Salama offers some of the best medical insurances in UAE. Here are the key benefits of Salama medical insurance.
The insurance plan offers direct billing network at over 3000 hospitals and clinics within the UAE.
With the health plan, you get international emergency medical assistance.
Along with flexible health care plans, you also get quick and easy claim settlement.
Metlife Insurance
Founded in 1868, Metlife insurance company has been offering its insurance services for last 60 years. Being an international insurance provider, the company provides a large network of hospitals and clinics across the globe. Following are the key benefits of Metlife Insurance plans.
With Metlife health insurance, you are covered for in and outpatient services along with diagnostics and preventive care.
The plan also covers emergency medical expenses and hospitalization.
Maternity services, physiotherapy, and prescription drugs are covered under its plans.
Orient Insurance
Orient Insurance is a Public Joint Stock Company offering a variety of insurance policies including but not limited to home, motor, life insurance and more. The company offers a range of local and international health insurance plans for the residents of Dubai. Following are the key benefits of Orient medical insurance.
With Orient medical policy, you get an annual coverage of AED 150,000 with local and international geographical limits depending on the insurance plan.
Along with various medical benefits, you also get diagnostic and lab test coverage.
Preventive care and vaccinations expenses from DHA are covered under Orient medical insurance.
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.
Name of Medical Plan
Cover Amount
Key Benefits
DNIRC Silk Road
Up to AED 100,000
In and outpatient coverage
Emergency worldwide coverage
Pre-existing and chronic conditions coverage
Repatriation expense coverage
Diagnostic and hospital charges coverage
Sehteq Executive
Up to AED 150,000
Pharmacy cover of AED 1,500
Patient accommodation at the hospital
Medical tests and diagnostic fees
Emergency Medical care
Maternity Cover
Takaful Emarat – Rhodium
Up to AED 1,000,000
Worldwide coverage
Home nursing following in-patient treatment
Emergency medical care
Diagnostics expense coverage
Pre-existing and chronic conditions coverage
Maternity Cover
Alliance Universal
Up to AED 2,500,000
Inpatient hospital and Maternity cover
Emergency care
Same-day Surgery and diagnostic procedure
Laboratory and Physiotherapy services
Watania Gold Family Care
Up to AED 1,000,000
In and Outpatient coverage
ICU and Coronary Artery disease treatment
Ambulance Services
Consultants and Surgeon Fee covered
Maternity Cover
Hearing and Vision aid coverage
Orient Insurance IMed
Up to AED 150,000
Intensive care unit coronary artery treatments
Diagnostic expenses and Lab test coverage
Physio, chemo and radiotherapy
Physician and other hospital consultation fee
Ambulance Services
Noor Takaful EBP
Up to AED 150,000
In and outpatient services
Diagnostics and Lab test coverage
Ambulance coverage
Scans and Health checks-up coverage
Maternity and newborn baby coverage
see more
How to Find Medical Insurance Quote Online?
Most insurance companies offer online quotes when you purchase 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.
Alternatively, you can also visit our health 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.
How to Compare Medical Insurance Plan in Dubai?
It’s important that you conduct a thorough research before buying a medical insurance plan in 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 medical insurance uae 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.
Frequently Asked Questions
Q1: Can I buy best medical insurance 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 health 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 medical 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 plans in Dubai?
Ans: Following are the insurer who offer affordable medical insurance plans in Dubai.
Axa Medical Insurance
Oman Insurance
Metlife Alico
Takaful Emarat
RAK Insurance
National Health Insurance Company
Q5: Do I get maternity coverage in every best medical insurance in uae, Dubai?
Ans: Basic medical insurance plans may not cover maternity expenses; it is better to go through the insurance inclusions while applying for health insurance in Dubai.
Q6: Does best medical insurance in Dubai cover diagnostic expenses?
Ans:Yes, most medical insurance plans cover lab tests and diagnostic expenses.
Q7: What is the geographical coverage limit for medical insurance in 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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