Medical Insurance Dubai: Find the Best Medical Plans in UAE

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.

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

Medical Insurance 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.

Cost of Best Medical Insurance Dubai, UAE

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.

An average medical plan for an individual can cost around AED 3,000 per annum.
Comprehensive medical insurance premiums for expats can cost around AED 5,500 annually. For a family of four members, the medical insurance Dubai cost can go up to an average of AED 15,000.
Medical insurance Dubai for married females sponsored by husbands can go up to AED 1771.
Employees earning a monthly salary above AED 4,000 may require to pay AED 918 for essential medical insurance Dubai and those earning below AED 4,000, can obtain this plan for AED 588.
Couples with joint medical policy need to pay an annual average amount of around AED 9,000.

Note: As per the coverage of the medical insurance plan, the premium may vary.

Best & Cheap Medical Insurance Plans in Dubai, UAE

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
Sukoon Insurance	Emergency treatment – inside and outside network Daycare treatment including out-patient minor surgeries General practitioner and specialist consultant fees Diagnostic investigations and procedures	Apply Now
Dubai Insurance Company	Both normal delivery and caesarean section expenses are covered Physiotherapy treatment Repatriation costs for the transport of mortal remains to home country Emergency mental health treatments	Apply Now
Takaful Emarat	Diagnostic Tests, In and out-patient service Maternity cover Treatment and surgery cover for non-emergency treatments	Apply Now
Orient Takaful Insurance	Maternity cover Covered pre-existing conditions Hearing and vision aid Physiotherapy treatment	Apply Now
Orient Insurance	Newborn cover In-patient maternity services Emergency services coverage Other services include radiology diagnostics, laboratory tests, and more	Apply Now
Cigna Insurance	Emergency hearing and vision aids Both in-patient and out-patient maternity services Gum and dental treatment covered Intensive care unit and coronary artery disease treatment coverage Worldwide cover	Apply Now
Hayah Insurance	Physician consultation Prescribed drugs and dressings coverage Laboratory tests Hospital accommodation and related benefits	Apply Now
Salama Insurance	Outpatient ante-natal services Essential vaccinations and inoculations for newborns and children Various therapies such as physiotherapy, radiation therapy, chemotherapy, and more Cancer treatment coverage as per the term of the policy	Apply Now
Watania Takaful	Worldwide coverage Consultant, surgeon, and anaesthetist fees Ambulance fees in case of emergency Companion room and board expenses	Apply Now
Daman Insurance	Diagnostic and treatment services for dental and gum treatment Newborn coverage for up to 30 days from birth Psychiatric treatment included Emergency services coverage	Apply Now
Al Sagr Insurance	Prescribed medicines and drugs cover Accidents and emergencies, intensive care units, and theatre costs General practitioners fees Inpatient and outpatient maternity cover	Apply Now
Abu Dhabi National Insurance Company	Lab and scan tests Pre-existing and chronic conditions covered Emergency treatments Day-care treatment Provides global coverage	Apply Now
RAK Insurance	Hospital accommodation and related services Recipient organ transplantation service, excluding donor charges Physical consultation Diagnostics and laboratory tests	Apply Now

Medical Insurance Companies in Dubai

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.

Popular Companies Offering Medical Insurance Dubai, UAE

Top 5 Medical Insurance Companies in UAE
Sukoon Insurance
Dubai Insurance Company
Emarat Insurance
Takaful Insurance
Orient Insurance

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 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)
Safe	AED 150,000
Home Lite	AED 250,000
Home	AED 250,000
Max	AED 500,000
Pro	AED 3,000,000
Prime	AED 5,000,000

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 –

Dubai Health Insurance Company Plans	Medical Coverage Amount (Max)
Dubai Care N5	AED 1,000,000
Silk Road	AED 1,000,000
Pearl	AED 1,000,000
Emerald	AED 1,000,000
Dubai Care N3	AED 1,000,000
Green	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
Gold	AED 1,000,000
Dubai Care N1	AED 1,000,000

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 –

Takaful Emarat Health Insurance Plans	Medical Coverage Amount (Max)
Ecare Blue	AED 150,000
Silver	AED 1,000,000
Silk Road	AED 1,000,000
Marjan	AED 1,000,000
Iridium	AED 1,000,000
Emerald	AED 1,000,000
Opal	AED 1,000,000
Yaqoot	AED 1,000,000
Silver Classic	AED 1,000,000
Rhodium	AED 1,000,000

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 Takaful Health Insurance Plans	Medical Coverage Amount (Max)
Plan 5	AED 1,000,000
Silk Road	AED 1,000,000
Pearl	AED 1,000,000
Emerald	AED 1,000,000
Plan 4	AED 1,000,000
Green	AED 1,000,000
Silver Classic	AED 1,000,000

Orient Insurance

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
Emerald	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

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	Maximum Cover Amount	Key Benefits
Sukoon Safe	AED 150,000	Both in-patient and out-patient maternity services are covered with a 10% co-insurance Includes coverage for laboratory tests, consultant’s, surgeon, and anaesthetist's fees. Accommodation costs for an accompanying parent or family member during a hospital stay are also covered (subject to conditions). Coverage of up to AED 150,000 per year for pre-existing and chronic conditions both inside and outside the UAE - subject to exclusions. Coverage is extended for a newborn delivered in the UAE for up to 30 days as part of the mother's insurance, with conditions for continuity of coverage. Provides coverage for emergency treatments, ambulance services, and laboratory tests with a 10% co-insurance.
Dubai Care N5	AED 1,000,000	This plan covers normal delivery and caesarean section expenses up to AED 10,000. Additionally, it also covers medical emergency expenses related to maternity up to AED 150,000. Laboratory tests are covered subject to a 20% co-pay per invoice Provides coverage of up to 15 sessions of physiotherapy per year with a 20% co-payment Dental care is covered with a 20% co-payment upon pre-authorisation The geographical coverage of this plan is worldwide.
Takaful Emarat Silver	AED 1,000,000	Normal delivery and medically necessary C-section are covered up to AED 10,000 Any declared pregnancy at the time of application will be medically underwritten. Prescribed drugs and dressings are covered up to AED 5,000 subject to a 20% coinsurance Pre-existing and chronic conditions are covered up to AED 150,000 per member per year, subject to the medical application form (MAF) Covers local road and air ambulance services, cancer treatment as per DHA guidelines, and annual adult vaccinations A cash indemnity benefit of up to AED 200 per night is provided for a maximum of 10 nights
Orient Takaful Insurance Plan 5	AED 1,000,000	Both out-patient and in-patient maternity services are offered, subject to 10% coinsurance - the coverage extends up to AED 10,000 for emergency conditions The plan provides in-patient services with semi-private rooms. Additionally, there's a provision for parent accommodation at AED 150/day for children under 18 years. Offers coverage for dental and gum treatment, hearing and vision aid, and physiotherapy (up to 20 sessions per annum), all subject to 20% coinsurance The plan is tied with the NEXTCARE RN3 network and offers worldwide coverage.
Orient Insurance Pearl – Family Care	AED 1,000,000	Offers dental and gum treatments - subject to a 20% co-payment, and a sub-limit of AED 3,500 Coverage is provided for hearing and vision aids in emergencies, with a 20% co-payment by the insured Out-patient services have a co-payment of 20% capped at AED 50 per consultation (restricted to clinics only) The plan offers worldwide coverage and is connected with the Mednet - Pearl network for both out-patient and in-patient services Prescription medication is subject to a 10% co-payment with limits up to the annual policy limit

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 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.

Compare Medical Insurance Dubai, 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 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.

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.

GIG Gulf Insurance (Previously AXA)
Sukoon Insurance (Previously Oman Insurance)
Metlife Alico
Takaful Emarat
RAK Insurance
Dubai National Insurance (DNI) Insurance

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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