Orient Individual Health Insurance

Q: Q1. Is there a waiting period for pre-existing conditions?

Ans: There is usually no waiting period for declared pre-existing conditions. However, keep in mind that undeclared pre-existing conditions are not covered during the policy period and require underwriting at the time of renewal.

Q: Q2. What types of Hospital Access are available?

Ans: Orient health insurance plans provide direct hospital access, allowing you to access hospitals without intermediaries.

Q: Q3. How many sessions of Physiotherapy Treatment are available per annum?

Ans: You can have coverage for up to 15 sessions per year under most Orient individual health insurance plans.

Q: Q4. Is there a waiting period for In-Patient Maternity Services?

Ans: In-Patient Maternity Services have a 10% co-payment, and coverage is provided up to AED 20,000 without a waiting period (if declared).

Q: Q5. Are there any limits on the coverage for Prescribed Drugs & Medicines?

Ans: Prescribed drugs and medicines are covered up to AED 15,000 with a 15% co-insurance.

Q: Q6. What is the coverage for Organ Transplantation?

Ans: Organ Transplantation covers the recipient — excluding donor and acquisition costs — for organs like heart, lung, kidney, pancreas, liver, allogeneic & autologous bone marrow.

Q: Q7. How is the Repatriation of Mortal Remains covered?

Ans: Repatriation of Mortal Remains is covered up to AED 20,000 per person per year, settled on a reimbursement basis with no copay.

Q: Q8. What services are provided under the Second Medical Opinion benefit?

Ans: The Second Medical Opinion benefit grants access to renowned providers for re-evaluation of earlier diagnoses, medical histories, and treatment plans for non-emergency cases. Certain terms and conditions apply to this benefit.

Orient Insurance Company, a distinguished member of the renowned Al-Futtaim Group, has been a prominent figure in the UAE insurance market since its establishment in 1982. Throughout its history, the company has consistently demonstrated impressive growth and established itself as a leader in the industry. With an impressive paid-up capital of AED 500 million, reportedly the highest among UAE insurance companies, the company has demonstrated solid financial stability.read more

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Written ByMousree DasSenior Content Writer (Expertise - Health and Travel Insurance)

Reviewed ByToshita ChauhanBusiness Head - General Insurance

Last updated on 29 July 2026Editorial Standards

Regulatory credentials

Licensed by the Central Bank of the UAE (Registration No. 123)

DHA Health Insurance Intermediary Permit No. BRK-00041

Emirates Insurance Federation Membership No. B81

Information on this page is for general guidance only - not personalised financial or medical advice.

Orient Insurance specialises in crafting individual health insurance plans tailored to meet the diverse needs of its customers. These plans offer a wide range of benefits and coverage options to provide comprehensive protection to policyholders.

Let's explore the details of Orient's individual health insurance plans.

Orient Individual Health Insurance Plans

Check out the table below for the major Orient individual health insurance plans -

Plan	Details
PCP/RN3 I-Med	Maternity Cover: 10% co-payment by the insured PED & Chronic Condition Waiting Period — 6 months Hospital Access In-Patient Services Ambulance Service for medical emergencies Companion Accommodation Pre-Existing and Chronic Conditions: Covered up to AED 150,000 if declared Radiology Diagnostic Physiotherapy Treatment Emergency Treatment Medication: Annual limit AED 1,500 (30% co-payment) Diagnostics (X-Ray, MRI, CT-Scan): Covered with 20% co-payment for emergencies Psychiatry: Not Covered. Alternative Medicine: Not Covered Dental and Gum Treatment: Covered in emergencies only Hearing and Vision Aid: Covered in emergencies only Region Coverage: UAE and Home Country
NEXTCARE RN 3 Health Plus - Plan 5	Out-patient and In-Patient Maternity Services: Covered with 10% coinsurance Dental and Gum Treatment: No co-payment. Hearing and Vision Aids: Covered with 20% coinsurance Out-Patient Services Tests, Diagnoses, and Hospital Surgeries: Covered with 10% Co-pay Pre-existing Conditions: Must be declared in the medical application form Deductible per Consultation: 20% up to AED 50 Prescribed Drugs and Medicines: Covered up to AED 5,000 with 15% Co-Insurance In-Patient Services: Semi-Private room. Ambulance Service: Covered. Parent Accommodation for Child Accompanying Person's Accommodation Organ Transplantation: Covered for recipient — excluding donor and acquisition costs Cancer Treatment: Covered as per the DHA program Essential Vaccines and Preventive Services
MEDNET Silk Road - Family Care	Maternity Cover: 10% co-payment by the insured PED and Chronic Condition Waiting Period: No waiting period for medical underwritten conditions — undeclared pre-existing conditions not covered Hospital Access: Direct access to specialists in clinics Dental and Gum Treatment: Sub-limit AED 3,500, 20% co-payment Hearing and Vision Aids: 20% co-payment Out-Patient Services In-Patient Services Ambulance service for medical emergencies Companion accommodation Territorial Scope Of Coverage: Worldwide Pre-Existing and Chronic Conditions: Declared conditions covered up to AED 150,000 — undeclared conditions not covered Radiology Diagnostic: 10% Co-Insurance Physiotherapy Treatment Tests, Diagnoses, and Hospital Surgeries Emergency Treatment Medication: 10% co-payment — up to policy annual limit Diagnostics (X-Ray, MRI, and CT-Scan): Covered with 20% co-payment Psychiatry: Not Covered Alternative Medicine: Covered up to AED 1,600 per member per year Dental and Gum Treatment: Sub-limit AED 3,500, 20% co-payment Hearing and Vision Aid: In case of emergency only Physiotherapy Treatment: Up to 15 sessions per year Region Coverage: Worldwide
MEDNET Pearl - Family Care	Maternity Cover: 10% co-payment by the insured Dental and Gum Treatment: 20% co-payment, sub-limit AED 3,500 Hearing and Vision Aids: 20% co-payment Out-Patient Services In-Patient Services Ambulance Service for medical emergencies Companion Accommodation Territorial Scope Of Coverage: Worldwide Pre-Existing and Chronic Conditions: Declared conditions covered up to AED 150,000 — undeclared ones not covered Radiology Diagnostic Physiotherapy Treatment Tests, Diagnoses, and Hospital Surgeries Emergency Treatment Medication: Up to the policy annual limit (10% co-payment) Diagnostics (X-Ray, MRI, and CT-Scan): Covered with 20% co-payment Psychiatry: Not Covered Alternative Medicine: Covered up to AED 1,600 per member per year Dental and Gum Treatment: 20% co-payment, sub-limit AED 3,500 Hearing and Vision Aid: Only in case of emergency only Physiotherapy Treatment: Up to 15 sessions per year Region Coverage: Worldwide
NEXTCARE RN2 Health Plus - Plan 4	Maternity Cover: Out-patient - 10% coinsurance, In-patient - Up to AED 12,500 (10% coinsurance) Dental and Gum Treatment: 20% co-payment Hearing and Vision Aids: Covered with 20% coinsurance Out-Patient Services Tests, Diagnoses, and Hospital Surgeries: Covered with 10% Co-pay Pre-existing Conditions: . Prescribed Drugs & Medicines: Covered up to AED 5,000 with 15% Co-Insurance In-Patient Services Ambulance Service: Covered Parent Accommodation for Child Accompanying Person's Accommodation Home Nursing Organ Transplantation: Covered for recipient — excluding donor and acquisition costs Repatriation of Mortal Remains: Covered up to AED 10,000 per person per year Dental: Covered, if selected, up to AED 1,500 with 20% Co-pay Vision: Covered, if selected, with 20% Co-pay, up to AED 1,000 in total with sub-limits Psychiatric Treatment: Out-patient - up to AED 1,500; In-patient - up to AED 6,000 per person per year Alternative Medicine: Limited to AED 1,000 per person per year Cancer Treatment: Covered as per the DHA program Essential Vaccines and Preventive Services
MEDNET Emerald	Maternity Cover: 10% co-payment Dental and Gum Treatment: 20% co-payment with sub-limit AED 3,500 Hearing and Vision Aids: 20% co-payment Out-Patient Services In-Patient Services Ambulance Service: Covered for emergencies in the UAE Companion Accommodation Territorial Scope of Coverage: Worldwide Pre-Existing and Chronic Conditions: Declared covered up to AED 150,000; Undeclared conditions not covered Other Services: Radiology diagnostic - 10% Co-insurance Physiotherapy - Up to 15 sessions per year Surgeries - Prior approval Emergency Treatment - Approval within 24 hours. Medication: 10% co-payment up to policy annual limit Diagnostics (X-Ray, MRI, CT-Scan): Covered with 20% Co-pay Psychiatry: Not Covered Alternative Medicine: Covered up to AED 1,600 per person per year Dental and Gum Treatment: Sub-limit AED 3,500 (subject to 20% co-payment) Hearing and Vision Aid: Covered only in case of emergency Physiotherapy Treatment: Up to 15 sessions per year
NEXTCARE RN Health Plus - Plan 3	Maternity Cover: Out-patient - 10% coinsurance, In-patient - 10% coinsurance, up to AED 12,500. Dental and Gum Treatment: 20% co-payment Hearing and Vision Aids: 20% coinsurance Out-Patient Services: 10% Co-pay for surgeries Pre-existing conditions Prescribed Drugs and Medicines: Covered up to AED 7,500, 15% Co-Insurance In-Patient Services Home Nursing: Covered up to AED 5,000 per person per annum Organ transplantation: Covered only for the recipient — no coverage for donor or acquisition Repatriation of Mortal Remains: Covered up to AED 10,000 per person per annum Dental and Vision: Covered, if selected, with 20% Co-pay Psychiatric Treatment: Out-Patient - Up to AED 1,500 In-Patient - Up to AED 6,000 Alternative Medicine: Limited to AED 1,500 per person per annum Cancer Treatment: As per DHA program terms Essential Vaccines and Preventive Services
MEDNET GREEN - Family Care	Maternity Cover: 10% co-payment Waiting Period: Maternity - 40 days from application PED and Chronic - None, undeclared conditions underwritten at the time of renewal Hospital Access: Direct access to hospitals Dental and Gum Treatment: AED 3500 sub-limit with 20% Co-pay Hearing and Vision Aids: 20% co-payment Out-Patient Services In-Patient Services Ambulance Service for emergencies Companion Accommodation Territorial Scope Of Coverage: Worldwide Pre-Existing and Chronic Conditions: Declared - AED 150,000 sub-limit Undeclared not covered Other Services Radiology - 10% Co-Insurance Physiotherapy - Up to 15 sessions Prior approvals for surgeries and emergencies Medication: Nil co-payment, limited by annual policy limit Diagnostics (X-Ray, MRI, and CT-Scan): Covered with 20% Co-pay Psychiatry: Not covered Alternative Medicine: Covered up to AED 1,600 PMPY Dental and Gum Treatment: 20% Co-pay and AED 3,500 sub-limit Hearing and Vision Aid: Emergency coverage only Physiotherapy Treatment: Up to 15 sessions per year
MEDNET Silver Classic - Family Care	Maternity Cover: 10% co-payment Waiting Period: Maternity - 40 days from application Pre-Existing Disease & Chronic Conditions - None, undeclared conditions underwritten at the time of renewal Hospital Access: Direct hospital access Dental and Gum Treatment: 20% Co-pay, AED 3,500 sub-limit Hearing and Vision Aids: 20% co-payment Out-Patient Services In-Patient Services Ambulance Service for emergencies Companion Accommodation Territorial Scope Of Coverage: Worldwide. Pre-Existing and Chronic Conditions: Declared - AED 150,000 sub-limit; undeclared not covered Other Services Radiology - 10% Co-Insurance Physiotherapy - Up to 15 sessions Prior approvals for surgeries and emergencies Medication: 10% co-payment, subject to the annual policy limit Diagnostics (X-Ray, MRI, and CT-Scan): Covered with 20% Co-pay Psychiatry: Not covered Alternative Medicine: Covered up to AED 1,600 PMPY Dental and Gum Treatment: 20% Co-pay and AED 3,500 sub-limit Hearing and Vision Aid: Emergency coverage only Physiotherapy Treatment: Max 15 sessions per year
NEXTCARE GN Health Plus - Plan 2	Maternity Cover: 10% co-payment Out-patient Maternity Services 10% co-insurance Up to 15 visits 8 ultrasound scans In-patient Maternity Services: 10% co-insurance, up to AED 20,000 Dental and Gum Treatment: 20% co-payment Hearing and Vision Aids: 20% co-insurance Out-Patient Services Tests, Diagnoses, and Surgeries: 10% co-pay Pre-existing Conditions: Declaration required Prescribed Drugs and Medicines: Covered up to AED 10,000 and subject to 15% co-insurance In-Patient Services: Private room Ambulance Service: Covered In-patient (IP Services) Parent Accommodation Accommodation of Accompanying Person Home Nursing: Covered up to AED 7,500 per person per year Organ Transplantation: Covered for recipient only — excludes donor costs Repatriation of Mortal Remains: Covered up to AED 15,000. Second Medical Opinion Dental: Covered up to AED 3,000, 20% Co-pay Vision: Covered up to AED 1,500, 20% Co-pay, sub-limits for frames and lenses Psychiatric Treatment: Out-patient up to AED 3,000 In-patient up to AED 10,000 Alternative Medicine: Limited to AED 2,000 per person per year Cancer Treatment: Covered as per the DHA program Essential Vaccines and Preventive Services
MEDNET Silver Premium - Family Care	Maternity Cover: 10% co-payment Pre-Existing Disease & Chronic Condition Waiting Period: No waiting period for medical underwritten conditions — undeclared pre-existing conditions not covered Hospital Access: Direct hospital access Dental and Gum Treatment: 20% co-payment, AED 3,500 sub-limit Hearing and Vision Aids: 20% co-payment Out-Patient Services In-Patient Services Ambulance Service: Covered for medical emergencies in the UAE Companion Accommodation Territorial Scope Of Coverage: Worldwide Pre-Existing and Chronic Conditions: Declared conditions covered up to AED 150,000; undeclared ones not covered Other Services: Radiology diagnostic has 10% co-insurance Physiotherapy Treatment Tests, Diagnoses, and Surgeries: Prior approval required Emergency Treatment Healthcare services for emergency cases Medication: Nil co-payment, subject to the policy annual limit Diagnostics (X-Ray, MRI, and CT-Scan): Covered with 20% co-pay Psychiatry: Not Covered Alternative Medicine: Covered up to AED 1,600 per year Dental and Gum Treatment: 20% co-payment and AED 3,500 sub-limit Hearing and Vision Aid: Emergency coverage only Physiotherapy Treatment Region Coverage: Worldwide policy coverage
NEXTCARE GN+ Health Plus - Plan 1	Maternity Cover: 10% co-payment Out-patient Maternity Services: 10% co-insurance In-patient Maternity Services: Up to AED 20,000 — 10% co-insurance, Dental and Gum Treatment: 20% co-payment, max AED 15,000 Hearing and Vision Aids: 20% co-insurance Out-Patient Services Tests, Diagnoses, and Surgeries: 10% Co-pay Pre-existing Conditions: Declared conditions covered, subject to underwriting. Deductible per Consultation: 10% up to AED 35 for GPs, 20% up to AED 75 for Specialists Prescribed Drugs & Medicines: Up to AED 15,000 — 15% Co-insurance In-Patient Services Ambulance Service: Covered. In-patient (IP Services) Parent Accommodation for Child under 18 Accommodation of an Accompanying Person Home Nursing: Max AED 7,500 per person per year Organ Transplantation: Recipient coverage; no coverage for donor or acquisition Repatriation of Mortal Remains: Up to AED 20,000 per person per year on a reimbursement basis, no co-pay Second Medical Opinion: Access to renowned providers via NEXTCARE app for non-emergency cases Test, Diagnosis, Surgeries: 20% co-insurance Dental: Max AED 3,000 — 20% Co-pay In-Network, Reimbursement Out of Network Vision: Up to AED 1,500, 20% Co-pay; sub-limits for frames, lenses, and contact lenses Psychiatric Treatment: Out-patient – up to AED 3,000 In-patient – up to AED 10,000 Alternative Medicine: Annually limited to AED 2,500 per person Cancer Treatment: As per the DHA program terms Essential Vaccines & Preventive Services
MEDNET Gold - Family Care	Maternity Cover: 10% co-payment. Pre-Existing Disease and Chronic Condition Waiting Period: No waiting period for declared conditions Undeclared pre-existing conditions not covered during the policy period Direct hospital access. Dental and Gum Treatment: 20% co-payment, up to AED 3,500 Hearing and Vision Aids: 20% co-payment In-Patient Services: Private room Ambulance Service: Covered for UAE medical emergencies Companion Accommodation: Covered for children under 16 Territorial Scope Of Coverage: Worldwide coverage Pre-Existing and Chronic Conditions: Declared conditions covered up to AED 150,000 sub-limit; undeclared ones not covered. Other Services Radiology diagnostic - 10% co-insurance Physiotherapy - Up to 15 sessions in a year Tests, diagnoses, and surgeries – Prior approval required Emergency Treatment Healthcare services for emergency cases Medication: 10% co-payment, restricted to formulary products within the annual limit Diagnostics: Covered with 20% co-payment Psychiatry: Not covered Alternative Medicine: Covered up to AED 1,600 per year Dental and Gum Treatment: 20% co-payment — max AED 3,500 Hearing and Vision Aid: Emergency coverage only Physiotherapy Treatment: Up to 15 sessions per year

Check Out The Orient Health Insurance Plans in UAE

Orient - Gold - Family Care

Orient - Green - Family Care

Orient - I-Med

Orient - NE-Med

Orient - Pearl - Family Care

Orient - Silk Road - Family Care

Orient - Silver Classic - Family Care

Orient - Silver Premium - Family Care

Key Benefits of Orient Individual Health Insurance

Having explored the range of Orient individual health insurance plans, let’s take a look at their key benefits -

Comprehensive Coverage: Orient health insurance plans cover a wide range of conditions and diseases.
Customizable Plans: With various add-ons available, you can easily customise your plan to match your specific requirements.
Co-Payment Option: Most of the plans have a co-payment option for almost all the services.
Decades of Expertise: With over 40 years in the UAE insurance market, Orient Insurance Company brings a wealth of experience to the table.

Eligibility Criteria for Orient Individual Health Insurance

You can buy Orient individual health insurance if you fulfil the following eligibility criteria -

Categories	Eligibility Criteria
Minimum Entry Age	18 years

Inclusions of Orient Individual Health Insurance

Listed below are the general inclusions of Orient individual health insurance -

In-Patient Services
Out-Patient Services
Alternative medicine
Organ Transplant
Hospital accommodation
Parent accommodation
X-rays, diagnostics, and so on
Pre-existing and chronic conditions

Exclusions of Orient Individual Health Insurance

The general exclusions of Orient individual health insurance are as follows -

Cosmetic procedures
Self-inflicted injuries
Drug abuse
Conditions due to nuclear radiation or wars

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FAQ's

Ans: There is usually no waiting period for declared pre-existing conditions. However, keep in mind that undeclared pre-existing conditions are not covered during the policy period and require underwriting at the time of renewal.

Ans: Orient health insurance plans provide direct hospital access, allowing you to access hospitals without intermediaries.

Ans: You can have coverage for up to 15 sessions per year under most Orient individual health insurance plans.

Ans: In-Patient Maternity Services have a 10% co-payment, and coverage is provided up to AED 20,000 without a waiting period (if declared).

Ans: Prescribed drugs and medicines are covered up to AED 15,000 with a 15% co-insurance.

Ans: Organ Transplantation covers the recipient — excluding donor and acquisition costs — for organs like heart, lung, kidney, pancreas, liver, allogeneic & autologous bone marrow.

Ans: Repatriation of Mortal Remains is covered up to AED 20,000 per person per year, settled on a reimbursement basis with no copay.

Ans: The Second Medical Opinion benefit grants access to renowned providers for re-evaluation of earlier diagnoses, medical histories, and treatment plans for non-emergency cases. Certain terms and conditions apply to this benefit.