Medical Insurance Dubai

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 plans offer maternity cover and coverage for declared pre-existing medical conditions as well. All the providers in Dubai offer an extensive network of top-notch hospitals for treatment under their insurance plans. You can even include riders to make the plan more comprehensive as per your requirements. more

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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.

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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 in 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 medical insurance in Dubai costs anywhere between AED 17000 to 18000. 
  • Comprehensive medical 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. 

Explained About Medical Insurance in UAE

Best & 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


GIG Gulf Medical Insurance

AED 677 

  • Direct billing for in and outpatients within the UAE
  • Maternity cover
  • Pre-existing and chronic conditions, maternity cover
Apply Now

Sukoon Insurance

AED 560

  • In and outpatient service
  • Emergency service cover
  • Lab test cover
  • Maternity cover
Apply Now

Metlife Alico

AED 761 (for domestic help)

AED 1312 (for dependent members)

  • In-patient treatment 
  • Emergency medical treatment and hospitalisation
  • Maternity cover
  • Lab and diagnostic tests
  • Physiotherapy and Prescription drugs
  • Vaccination and immunisations
  • Medical visit to general physicians
Apply Now

Takaful Emarat Insurance

AED 525

  • Diagnostic Tests,
  • In and out-patient service
  • Maternity cover
  • Treatment and surgery cover for non-emergency treatments
Apply Now

RAK Insurance

AED 485

  • Emergency medical service and hospitalisations
  • Diagnostics Tests
  • Maternity cover 
  • Daycare services
  • Treatment and surgery for non-urgent cases
Apply Now

National Health Insurance Company

AED 615 (for domestic help)

AED 800 (for dependents)

  • In and out-patient services,
  • Maternity cover, 
  • Local medical insurance with worldwide benefit options
Apply Now
see more

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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.

Top 5 Medical Insurance Companies in UAE
GIG Gulf Insurances  (previously AXA)
Salama Takaful Insurance
Metlife Insurance
Orient Insurance

AXA Insurance Company

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. 
Buy AXA Medical Insurance Plan Dubai, UAE

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. 
Buy DNI Medical Plan Dubai, UAE

Salama Takaful Insurance Company

With over 40 years of experience, Salama is one of the most popular Islamic medical 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.
Buy Salama Takaful Medical Insurance Plan Dubai, UAE

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 medical 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. 
Buy Metlife Medical Insurance Plan Dubai, UAE

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 medical 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. 
Buy Orient Medical Insurance Plan Dubai, UAE

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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
Apply Now

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
Apply Now

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
Apply Now

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
Apply Now

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
Apply Now

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
Apply Now
see more

List of 10 Health Insurance Company in UAE

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 medical insurance section at 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. 

Compare Medical Insurance in Dubai, UAE

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. 

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 medical insurance at 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. 

  • GIG Gulf (Previously Axa) Medical Insurance
  • 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, Dubai?

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 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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