Medical Insurance Cost in UAE

General Price Range for Medical Insurance in UAE

Medical insurance costs in the UAE vary significantly across the Emirates. Here’s a simplified breakdown to help you understand what to expect — 

1. Basic Plans: Basic health insurance plans in UAE cost between AED 340 and AED 5,945 per year. These plans provide essential benefits to meet the minimum health coverage requirements.
2. Semi-Comprehensive Plans: The average cost of a mid-range medical insurance plan in UAE ranges from AED 1,300 to AED 8,600 per annum, depending on the Emirate. These plans offer broader healthcare coverage, including outpatient consultations and basic hospitalisation.
3. Comprehensive Plans: Comprehensive health insurance plans in UAE usually range from AED 2,500 to AED 12,000 annually. These offer extensive coverage with higher limits for inpatient and outpatient services, specialist consultations and sometimes even dental and optical care.
4. Family Health Insurance (4 Members): Health insurance for families in Dubai generally costs between AED 6,200 and AED 28,000 per year. These plans cover full inpatient and outpatient services for all family members and may also include dental, vision and maternity 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

Understanding UAE health insurance prices for different personal situations is important for budgeting. Here's how costs typically break down based on common categories:

• Family Health Insurance (4 Members): These plans generally cost between AED 6,200 and AED 28,000 per year. This range depends on whether the family is enrolled in a semi-comp or comprehensive plan. Coverage includes general medical care for all members, plus specialist care and hospitalisation.
• Senior Citizens: Insurance for elderly individuals tends to carry a higher premium across all plan types. For example, a semi-comp plan may start at AED 1,300 but can exceed AED 8,000 depending on the age and Emirate.
• Women Sponsored by Husbands: While there’s no fixed price for this category, women sponsored by spouses can get basic to mid-range plans that may cost between AED 2,500 to AED 4,000 annually, covering maternity and essential services.
• Couples’ Joint Medical Policies: Joint health insurance policies often fall in the mid- to high-range category, averaging around AED 9,000 to AED 12,000 annually depending on coverage type and health conditions.

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. 

How to Find Medical Insurance Quote Online in UAE

You can interact with the lead form 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.