Salama Senior Citizen Health Insurance

Q: Q1. Do SALAMA Health Takaful plans cover maternity benefits?

Ans: Yes, Salam health insurance plans include maternity benefits, encompassing prenatal and postnatal care, coverage for miscarriages, deliveries, and any other maternity-related complications.

Q: Q2. Do SALAMA Health Insurance plans provide international assistance?

Ans: Yes, Salam health insurance extends international assistance and grants access to a wide network of global healthcare providers for emergency medical procedures.

Q: Q3. Are SALAMA Health Takaful plans flexible?

Ans: While the core plan remains standardised for accessibility, flexibility is provided with respect to choices in the annual limit, deductible, and network, allowing customisation according to individual needs.

Q: Q4. Are there additional benefits in SALAMA Health Takaful plans?

Ans: Yes, Salam Health Takaful offers additional benefits like dental coverage, alternative medicine support, emergency mental health treatment, and the choice between direct billing within the network or reimbursement through the pay-and-claim method.

Q: Q5. What is the annual limit for this health insurance plan?

Ans: The annual limit for Salama health insurance plan is AED 1 million.

Q: Q6. Can I choose any hospital or clinic, or are there specific ones I must use?

Ans: You can choose from any of the network facilities for your medical services.

Q: Q7. What is the coverage for prescribed drugs and medicines?

Ans: Prescribed drugs and medicines are covered with up to 20% co-pay requirement.

Q: Q8. Are pre-existing and chronic conditions covered under this plan?

Ans: Yes, pre-existing and chronic conditions declared at the time of purchasing the plan are covered.

Q: Q9. Are diagnostic tests like lab tests, X-rays, MRI, CT-Scans, and ultrasound covered?

Ans: Yes, diagnostic tests are covered with up to 20% co-pay requirement.

Q: Q10. Does this plan cover alternative medicines such as osteopathy, chiropractic, homoeopathy, acupuncture, Ayurveda, or herbal treatments?

Ans: Yes, alternative medicines are covered subject to coverage terms.

Salama senior citizen health insurance stands as a distinguished offering in the realm of senior healthcare coverage brought to you by SALAMA, one of the leading Shariah-compliant Takaful providers in the UAE. With a rich history as the oldest and largest Takaful provider in the world, SALAMA boasts a remarkable paid-up capital of AED 939 million. Recognised for its exceptional contributions to the insurance industry, SALAMA clinched the prestigious ‘Takaful Company of the Year’ Award in 2020 at the Middle East Insurance Industry Awards as well as the ‘Takaful Specialist of the Year’ Award at the 2022 MENA Insurance Review Awards.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)

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

Beyond accolades, SALAMA has cultivated a robust regional presence through subsidiaries and associates, consistently upholding high service standards, and earning unwavering credibility and trust among partners and peers alike.

In the pursuit of safeguarding the health and well-being of senior citizens, Salama senior citizen health insurance has emerged as a testament to SALAMA's commitment to excellence and innovation in the realm of insurance.

Salama Senior Citizen Health Insurance Plans

Let’s take a look at the Salama health insurance plans available to senior citizens -

Plan	Details
Essential Benefits Plan (EBP)	This plan is designed to cater to Dubai residents with a monthly income below AED 4,000, including not only individuals but also their dependents who may not be employed. This plan extends coverage to include the policyholder, their immediate family members, as well as domestic helpers, ensuring that a wide spectrum of individuals and their essential healthcare requirements are taken care of.
Enhanced Benefits Plan	As the name suggests, the Enhanced Benefit Plan provides a comprehensive array of insurance coverage options to cater to the diverse requirements of both individuals and families. Within this plan, there are several choices available, each tailored to specific preferences and requirements. These coverage options include Silk Road, Silver Classic, Gold Premium, Silver Premium, and Green, allowing individuals and families the flexibility to select the plan that best suits their unique circumstances and preferences.

Plan

Details

Essential Benefits Plan (EBP)

This plan is designed to cater to Dubai residents with a monthly income below AED 4,000, including not only individuals but also their dependents who may not be employed.
This plan extends coverage to include the policyholder, their immediate family members, as well as domestic helpers, ensuring that a wide spectrum of individuals and their essential healthcare requirements are taken care of.

Enhanced Benefits Plan

As the name suggests, the Enhanced Benefit Plan provides a comprehensive array of insurance coverage options to cater to the diverse requirements of both individuals and families.
Within this plan, there are several choices available, each tailored to specific preferences and requirements.
These coverage options include Silk Road, Silver Classic, Gold Premium, Silver Premium, and Green, allowing individuals and families the flexibility to select the plan that best suits their unique circumstances and preferences.

Key Benefits of Salama Senior Citizen Health Insurance

Here are the prominent benefits and features of Salama senior citizen health insurance -

Generous Annual Limit: The plan offers an annual coverage limit of up to AED 1 million.
Direct Access: Enjoy direct access to hospitals and clinics for both out-patient and In-patient services.
Medication Coverage: Your prescribed drugs and medicines can be covered with this plan.
Global Reach: This health insurance provides coverage worldwide, including the United States.
Diagnostic Coverage: The plan covers all types of diagnostics such as lab tests, MRIs, X-rays, Ultrasounds, and CT scans.
Dental Care: Benefit from dental coverage of up to AED 3,500.
Extensive Network: You can access a network of up to 3,000 hospitals and clinics within the UAE.
Pre-existing Conditions: Up to AED 150,000 in coverage for all declared pre-existing and chronic conditions
Billing Options: The plan offers both direct billing and reimbursement facilities, among other benefits.

Choose Health Insurance Coverage of Your Choice

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All coverage in AED*

Eligibility Criteria for Salama Senior Citizen Health Insurance

Seniors can buy Salama senior citizen health insurance if they fulfill the following eligibility criteria -

Category	Eligibility Criteria
Maximum Age	99 years

Inclusions of Salama Senior Citizen Health Insurance

Although the inclusions of Salama senior citizen health insurance vary as per the plan of your choice, you can have a look at the general inclusions below -

Out-patient services
Inpatient services
Physiotherapy
Diagnostics coverage
Pre-existing disease coverage
Prescribed medication coverage
Psychiatric treatment
Repatriation of mortal remains
Alternative medicine

Exclusions of Salama Senior Citizen Health Insurance

Listed below are the general exclusions of Salama senior citizen health insurance -

Optical benefits
Cosmetic treatments
Surgery or treatment related to weight loss
Health conditions arising from alcohol or drug abuse

Check out some frequently asked questions regarding Salama senior citizen health insurance -

FAQ's

Ans: Yes, Salam health insurance plans include maternity benefits, encompassing prenatal and postnatal care, coverage for miscarriages, deliveries, and any other maternity-related complications.

Ans: Yes, Salam health insurance extends international assistance and grants access to a wide network of global healthcare providers for emergency medical procedures.

Ans: While the core plan remains standardised for accessibility, flexibility is provided with respect to choices in the annual limit, deductible, and network, allowing customisation according to individual needs.

Ans: Yes, Salam Health Takaful offers additional benefits like dental coverage, alternative medicine support, emergency mental health treatment, and the choice between direct billing within the network or reimbursement through the pay-and-claim method.

Ans: The annual limit for Salama health insurance plan is AED 1 million.

Ans: You can choose from any of the network facilities for your medical services.

Ans: Prescribed drugs and medicines are covered with up to 20% co-pay requirement.

Ans: Yes, pre-existing and chronic conditions declared at the time of purchasing the plan are covered.

Ans: Yes, diagnostic tests are covered with up to 20% co-pay requirement.

Ans: Yes, alternative medicines are covered subject to coverage terms.

Ans: The health insurance plan provides coverage for private room accommodation.

Ans: A deductible of 20% (up to AED 50) may apply for each consultation.