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Individual health insurance is a type of insurance plan that provides an individual with adequate funds in case of any medical emergency. You can even purchase an individual plan for every family member and customise them as per the requirements. Individuals above the age of 18 years can easily secure themselves with an individual health insurance plan, with plenty of options to be found in the country.
The following article discusses the types of individual medical insurance plans in Dubai and the UAE, their benefits, application process, and eligibility criteria. You will also discover aspects to be taken into consideration when applying for an individual health insurance plan.
Listed below are some of the best individual medical insurance plans in Dubai, UAE:
|Plan Name||Medical Cover (AED)||Pharmacy Limit||Price|
|Sehteq - Executive||1,50,000||Upto AED 10,000|
|Takaful Emarat - Rhodium||10,00,000||Upto AED 15,000|
|DNIRC - Gold - Plan A||10,00,000||Upto Medical Cover|
|Alliance - Universal Plus Plan||5,00,000||Upto AED 10,000|
|Orient Insurance - Gold - Family Care Plan A||10,00,000||Upto Medical Cover|
|See More Plans >>|
|Sehteq - Executive||
|Takaful Emarat - Rhodium||
|DNIRC-Gold- Plan A||
|Alliance – Universal Plus Plans||
|Orient Insurance – Gold – Family Care Plan A||
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:
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:
An excellent way to verify this aspect is to check the average claim settlement time and ratio of your preferred insurance provider.
Here is what your individual health insurance plan will generally include
Besides the inclusions, you should also consider the general exclusion of individual health insurance plans in UAE:
As per the Health Insurance Law of Dubai No.11., every resident in Dubai, irrespective of their employment status, needs to have health insurance coverage that offers the minimum benefits as specified by the Dubai Health Authority.
While the eligibility criteria for getting an individual health insurance plan in UAE are simple, here are a few things to keep in mind for a seamless application process:
Consider the following pointers while comparing various personal insurance policies.
Given below are the steps to be followed when purchasing a personal health insurance plan:
Similar steps are to be followed if you plan to purchase the best health insurance in dubai plan offline. Instead of obtaining and filling out the form online, you will be doing the same at a branch of your selected provider.
The following documents must be carried when you apply for an individual health insurance plan:
Described below is an easy 3-step process that you can follow to register an individual healthcare insurance claim:
If you renew your health insurance on time, you can be assured of continuous coverage and may also receive discounts on premiums. Follow these simple steps to renew your individual medical insurance in Dubai.
It is mandatory to have a health insurance plan in Dubai. One of the most sought-after plans in the UAE is an individual health insurance plan. It offers covers for all the major medical costs that you may incur during a medical or emergency treatment. Some of the best personal health insurance plans offered in the country are Sehteq Executive, Takaful Emarat Rhodium, DNIRC Gold Plan A, and Alliance Universal Plus Plans.
To apply for this type of insurance, you must carry the documents specified by the insurance provider for a hassle-free experience. Another thing to remember here is that you should first explore the plans offered by various providers before deciding on a specific plan.
The best way to explore and compare the best health insurance plans in one place is to check out policybazaar.ae, where you can also purchase a plan in a couple of clicks. Moreover, with our 24*7 customer care service, you can easily connect with the experts and resolve all your doubts regarding these plans.
Q1. Why do I need an individual health insurance plan?
Ans. As a personal medical insurance plan equips you with the required funds to fulfil medical expenses in case of a medical emergency, having such a plan can save your funds from getting exhausted.
Q2. What are the documents required to submit for an individual health insurance plan?
Ans. Here is a general list of documents required for an individual health insurance plan.
O3. Can I switch hospitals during treatment?
Ans. Yes, an individual health insurance plan may allow you to switch hospitals.
Q4. How does an individual health insurance plan work?
Ans. An individual insurance plan provides you with funds that can be utilised whenever you avail of medical service. If you chose to get treated at a network hospital, you can get a cashless facility and receive the treatment without paying anything out of your pocket. However, if the treatment takes place outside of the network hospital, the sum is reimbursed after filing a claim and submitting bills.
Q5. How to apply for individual medical insurance in Dubai?
Ans. After comparing the quotes of various insurance providers on websites like policybazaar.ae, you can simply fill out the application form for your selected plan on our website (or the provider’s site) and provide the necessary documents to complete the process. Afterwards, you will be contacted by the provider for further steps.
Q6. What are the most sought-after personal health insurance plans in Dubai?
Ans. The best health insurance plan in Dubai include Takaful Emarat Rhodium, Sehteq Executive, DNIRC Gold Plan A, Alliance Universal Plus Plan, and Orient Insurance Gold Family Care Plan A.
Q7. What all is usually included in an Individual Health Insurance plan?
Ans. The following are the benefits covered under individual medical insurance in Dubai:
Q8. How to check my personal health insurance plan’s status?
Ans. You can visit your medical insurance provider’s website and check the details of your insurance plan using your Emirates ID. If you are unable to avail of the digital service, you can call the customer care to know the status of your plan.
Q9. What is the waiting period to avail of coverage for already existing medical conditions?
Ans. In case you have pre-existing medical conditions, you may need to wait for six months to avail of medical benefits in case of emergency situations.
Q10. What is the insurance cost in Dubai?
Ans. A comprehensive individual medical insurance in Dubai is generally available at an annual premium of AED 10,000.
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