Individual Health Insurance

Disclaimer: Information provided above is for general awareness only. Features, costs and coverage may vary between insurance providers. Please check the latest details or refer to official UAE regulatory guidelines before buying a policy.

Top Individual Health Insurance Plans in the UAE

Listed below are some of the best individual medical insurance plans in Dubai, UAE:

Disclaimer: These are not exhaustive. Many more plans are available on Policybazaar.ae depending on your profile.

Features of Individual Health Insurance Plans

Major Benefits of Individual Medical Insurance

Discussed below are a few aspects that make individual health insurance plans excellent choices for ensuring adequate financial cover against medical situations in the UAE:

1. Full Sum Insured: Since the coverage is meant for a single person, the entire sum insured is available for that individual’s medical expenses. This often allows for a higher coverage amount compared to shared or group plans.
2. No-Claim Benefits: Some individual health insurance plans in Dubai offer a no-claim bonus, which gives you a discount on your premium if you don’t make any claims for a certain number of years. The exact period you need to remain claim-free and the amount of discount you get will depend on the terms and conditions of your specific plan.
3. Medical Expenses Coverage: Paying from your own funds when you have a medical emergency on hand can worsen the stress brought due to the ailment. In such cases, an individual health insurance plan helps you prepare for unexpected medical expenses. This plan saves you from the burden of medical expenses and lets you focus on more essential aspects, i.e., your health and well-being.
4. Cashless Hospitalisation: With an individual health insurance plan, you can always opt for cashless hospitalisation if your chosen hospital comes under your insurer’s list of network hospitals. You can receive all the medical services without paying for them, as the insurance provider takes care of the payment directly.

Factors to Consider Before Buying an Individual Health Insurance in Dubai

You can consider the following aspects before buying an individual health plan in the UAE to get a plan with the best coverage at manageable prices:

1. Claim Time and Process: Many health insurance plans in Dubai have a waiting period before certain benefits start. For example, maternity cover may only be available after 6 months of continuous coverage, while pre-existing conditions might be covered after a set period or with specific limits. It’s important to check these waiting periods with your insurer if you want the plan to start covering such benefits immediately. You should also review the claim process—whether it’s cashless at network hospitals or through reimbursement—to ensure it is simple and quick, which is especially important during a medical emergency.
2. Coverage for Specific Needs: Make sure the individual medical plan includes benefits that match your personal needs. For instance, if you plan to start a family, maternity cover is essential; if you have a family history of certain illnesses, make sure that related treatments and screenings are covered.
3. Cost vs. Benefits: Compare the premium with the coverage offered to see if it provides good value. A cheaper plan may save money in the short term, but could leave you exposed to high costs if it has low limits, high co-pays or excludes important benefits.
4. Network of Hospitals: Ensure the plan offers access to a strong network of hospitals, clinics and specialists in locations convenient for you. Some insurers have different network tiers—wider networks may give you more choices but could come at a higher cost. 

Common Personal Health Insurance Dubai Plan Inclusions

Let’s take a look at the general inclusions of individual medical plans in the UAE —

What is Not Covered in Individual Health Insurance?

Given below are the general exclusions of individual medical insurance — 

Who can Buy an Individual Health Insurance Plan in UAE?

Individual health insurance in the UAE is available to almost anyone who needs personal medical cover. The given table highlights the eligibility criteria for individual health insurance in the UAE — 

How to Compare Different Individual Health Insurance Plans?

Consider the following pointers while comparing various personal insurance policies.

• Identify Your Medical Needs: It is highly recommended to note down your medical needs and choose a health insurance plan based on them. This can prove helpful when you compare the plans based on factors like regular check-ups, medical tests, consultation fees, and more. 
• Inspect the Insurer’s Records: Before choosing a health insurance plan, check the insurer’s reputation and track record in the UAE market. Look for their claim settlement ratio, customer reviews and how quickly they process claims. A company with a strong history of reliable service and timely payouts will give you more confidence, especially during emergencies.
• Explore the Network Hospitals: Before you select a plan, you must compare the list of hospitals under the networks of different providers. If you opt for a plan that has your preferred hospital on the list, seeking help in a medical emergency will prove more convenient.
• Check How to File a Claim and Renew the Policy: Understand the steps involved in filing a claim, whether it’s cashless at network hospitals or through reimbursement. Make sure you know what documents are needed, the timelines for submission and how quickly claims are processed. Also, check the policy renewal process to confirm that it is simple, transparent and allows you to maintain continuous coverage without a gap. 
• Pick the Best-Fit One: Once you are done exploring all the plans, compare the individual health insurance quotes and pick the one that best suits your needs. 

How to Buy Individual Health Insurance?

Comparing health insurance plans is important to make sure you get the right coverage for your needs and budget. On Policybazaar.ae, you can easily check and compare plans from multiple insurers in one place. This helps you see the benefits, costs and features side by side before making a decision.

Steps to Compare Plans on Policybazaar.ae:

1. Visit Policybazaar.ae and click on any banner for health insurance.
2. Fill out the lead form with your basic details, such as your name, contact information and a few questions.
3. Once you submit the form, you will instantly see a list of individual health insurance quotes from various insurers in the UAE.
4. Compare the plans by looking at the medical cover amount, hospital network, inclusions, exclusions and premium.
5. Check important features like maternity cover, pharmacy limits and waiting periods to see which plan meets your needs best.
6. Review the claim process, renewal terms and no-claim benefits before making your choice.

By comparing plans in this way, you can make a well-informed decision and find a policy that offers the right balance between cost and coverage.

Documents Required for Individual Medical Insurance in Dubai

The following documents must be carried when you apply for an individual health insurance plan:

• Valid Passport Copy – For proof of identity and nationality.
• Valid UAE Residence Visa – Required for non-UAE nationals to confirm legal residency.
• Emirates ID Copy – For identification and linking your insurance to government health records.
• Passport-Sized Photograph – Some insurers require a recent photo for their records.
• Medical History or Health Declaration Form – To disclose pre-existing conditions, past treatments and current medications.

Tip: If you are buying a plan for a newborn, you may also need the baby’s birth certificate and passport copy, along with the mother’s insurance details.

Claim Process of Individual Health Insurance in the UAE

1. Emergency Treatment
   In an emergency, seek treatment immediately at the nearest hospital, whether it is part of your insurer’s network or not. If possible, present your insurance card or policy details at the time of admission. Inform your insurer or their claims assistance number as soon as possible—most insurers require notification within 24 hours of the emergency. Keep all medical reports, bills and discharge summaries in case your claim needs supporting documents later.
2. Cashless Claims
   If you are getting treatment at a network hospital or clinic, you can use the cashless facility. Present your insurance card or Emirates ID at the reception and the hospital will send a pre-approval request to your insurer. Once approved, the insurer will directly settle the bills with the hospital and you only need to pay for any expenses not covered by the policy (such as co-pays or non-medical charges). Always confirm with the hospital that your treatment is covered under your plan before starting.
3. Reimbursement Claims
   If you visit a non-network hospital or pay for your treatment yourself, you can later claim reimbursement from your insurer. Submit the completed claim form along with original bills, payment receipts, medical reports, prescriptions and any other required documents. Most insurers have a submission deadline (often within 30 days of treatment), so make sure to file your claim on time. The insurer will review and, if approved, transfer the eligible amount directly to your bank account.

How to Renew Your Individual Health Insurance Plan?

Renewing your individual health insurance on time is important to avoid a gap in coverage. In the UAE, most policies need to be renewed every year before the expiry date. The renewal process is simple and can be done online through Policybazaar.ae.

• If you are a first-time user: Visit Policybazaar.ae and click on any health insurance banner. Fill out the lead form with your details and you will see available individual health insurance quotes. Choose the plan you want to renew (or a new one if you wish to switch) and proceed with the payment.
• If you have already purchased your plan through Policybazaar.ae: Simply log in to your dashboard on the website. You can view your current policy, check the renewal date and make the payment online in just a few clicks.

Tip: Always review your plan’s benefits and compare other available options before renewal—you may find better coverage or a more competitive premium.

Individual Self Health Insurance FAQs