Liva Health Insurance

About Liva Insurance (Previously RSA Insurance)

Liva is the new brand identity of the NLGIC Group, born from the integration of RSA Middle East and National Life & General Insurance Company (NLGIC). 

The name ‘Liva’ means life or protection. This reflects the company’s purpose: to help people live with confidence, knowing they are well protected. With over 80 years of combined experience in the GCC, Liva now serves more than 1.5 million customers, supported by a team of 1,200+ employees across the region.

Liva offers a wide range of insurance services across personal and commercial needs, including health, life, motor, travel and more. What makes the company different is its focus on simplicity, digital convenience, and genuine care for customers — helping people feel secure and prepared for whatever life brings.

What is Liva Health Insurance?

Liva health insurance includes a range of plans. These policies are 

• Offered by Liva
• Underwritten by National Life & General Insurance Company (NLGIC)
• Managed by Inayah as the third-party administrator (TPA)

Inayah insurance plans are specifically structured to meet the medical insurance requirements of individuals and families in the UAE, including both residents and dependents. 

Liva offers a tiered structure of insurance coverage through plans such as Platinum, Gold, Silver, Bronze and Chrome, each with defined benefits. These plans include —

1. Worldwide coverage for treatment (up to 90 days per policy year outside UAE)
2. Annual medical coverage limits ranging from AED 150,000 to AED 1,000,000
3. In-patient and out-patient services, including hospitalisation, surgeries, and specialist consultations
4. Maternity coverage (inpatient and outpatient) with coinsurance applied
5. Access to a large medical network including hospitals, clinics, and pharmacies across the UAE
6. Coverage for chronic and pre-existing conditions up to AED 150,000 per member per year (subject to policy terms)

Liva medical insurance plans are flexible. They offer optional co-payment levels (0%, 10%, or 20%) and comply with DHA and other local health authority standards. 

Note: All members need to declare existing conditions and undergo a medical application process if required.

Inayah TPA Hospital List 

Liva health insurance provides access to a wide medical network across the UAE through its TPA partner, Inayah. This includes hospitals, clinics, pharmacies, and diagnostic centers spread across major emirates. 

Here is a list of some of the network providers available under Inayah insurance coverage— 

📝 Disclaimer: This is a sample list and does not include all hospitals or pharmacies in the network. To see the full and updated list, visit Policybazaar.ae.

What is Inayaha TPA?

Liva Inayah refers to the third-party administration (TPA) service available under Liva health insurance plans. These policies are issued by National Life & General Insurance Company (NLGIC) and managed through the Inayah TPA network, which handles everything from hospital tie-ups to claims processing.

In simple terms, you won’t find any standalone Inayah insurance. Rather, Inayah is the operational partner that ensures your Liva insurance policy works smoothly — whether it’s finding a hospital, getting a pre-approval, or settling a claim.

Here’s what Liva Inayah includes — 

1. ✅ Digitally managed medical network across the UAE, covering clinics, hospitals, pharmacies, and labs
2. ✅ Pre-approval & claims coordination for hassle-free treatment and reimbursements
3. ✅ 24/7 member assistance for plan-related support
4. ✅ Coverage outside UAE — emergency care for up to 90 days worldwide
5. ✅ Maternity, diagnostics, surgeries, and medication handled smoothly through their network
6. ✅ Optional co-payment models: Nil, 10%, or 20% based on employer or individual preferences
7. ✅ Fixed annual limits, maternity caps, and chronic illness support 

Why Should You Choose Liva Health Insurance?

Choosing Inayah medical insurance means choosing peace of mind. With over 80 years of experience in the region, Liva brings trusted insurance solutions backed by strong customer support and a wide medical network.

Here’s why Inayah TPA stands out — 

1. Plans for every need – From basic to premium, there’s a plan for everyone
2. Huge network of hospitals & clinics – Easy access to care across the UAE
3. Transparent benefits – Fixed annual limits, clear maternity, and chronic care cover
4. Inayah support – Fast approvals, smooth claims, and round-the-clock help
5. Global emergency cover – Get treated even during short trips abroad (up to 90 days)
6. Digital ease – Simple application, online support, and faster approvals

Inclusions & Exclusions of Liva Health Insurance

✅ What’s Included (Inclusions)

With Liva insurance and Inayah TPA, you get coverage for a wide range of medical services based on the plan you choose. Here are the common inclusions across most plans — 

1. InPatient Care: Hospitalisation, surgeries, doctor fees, anesthetist charges, and private room accommodation
2. OutPatient Care: Consultations, specialist visits, diagnostics (X-ray, MRI, ultrasound, CT), and prescribed medications
3. Emergency Ambulance Services: Covered for transportation to and from hospitals within the UAE
4. Maternity Services: In-patient and out-patient maternity care included (limits vary by plan)
5. Pre-existing & Chronic Conditions: Covered up to AED 150,000 per member, per year (after declaration and underwriting)
6. Physiotherapy: Up to 15 sessions per year with co-pay (10%)
7. Child Vaccinations: Covered as per DHA guidelines
8. Cancer Treatment & Organ Transplant: Covered under all major plans
9. Repatriation of Mortal Remains: Covered up to AED 7,500
10. Vision and Hearing Aids: Covered in emergency 
11. Preventive Health Screenings: As per DHA policy and plan limits
12. Parent Stay for Hospitalised Child: AED 100 per day (up to plan limit)

❌ What’s Not Covered (Exclusions)

While Inayah TPA is quite comprehensive, there are certain treatments and conditions that are not covered unless specifically included in your selected policy —

1. Undeclared pre-existing conditions or chronic illnesses
2. Pregnancy not disclosed at the time of application
3. Infertility treatment, IVF, or related medications
4. Cosmetic or elective surgeries not medically necessary
5. Alternative therapies (unless covered in policy)
6. Experimental or non-approved treatments
7. Non-DHA-approved vitamins, supplements, or health products
8. Self-inflicted injuries, drug, or alcohol-related conditions

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