Liva Health Insurance UAE – Plans, Benefits & Online Quotes 2025

Best Liva Health Insurance Plans

Takaful Emarat

Plan NameECARE BLUE

Medical Cover (AED)150,000

Starting FromAED 1,025/Yearly

Orient Insurance

Plan NameI-Med

Medical Cover (AED)150,000

Starting FromAED 1,031/Yearly

Dubai National Insurance

Plan NameEssential

Medical Cover (AED)150,000

Starting FromAED 1,197/Yearly

Takaful Emarat

Plan NameSilver

Medical Cover (AED)1,000,000

Starting FromAED 1,573/Yearly

Orient Insurance

Plan NameHealth Plus - Plan 5

Medical Cover (AED)1,000,000

Starting FromAED 1,602/Yearly

Plans shown as per selected filters. T&Cs apply

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 —

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

Types of Liva Health Insurance in UAE

Liva Platinum
Liva Gold Plan
Liva Silver Plan
Liva Bronze Plan
Liva Chrome Plan

Liva Platinum Plan (Highest coverage)

Annual Limit: AED 1,000,000
Network Access: Access to top-tier hospitals and specialists across the UAE
Territory: Worldwide cover (including emergency care abroad up to 90 days/year)
Room Type: Private room in hospital
Maternity Coverage (In-patient): Up to AED 10,000 with 10% coinsurance
Maternity Coverage (Out-patient): With 10% coinsurance
Physiotherapy: 15 sessions/year (10% co-pay)
Parent Accommodation for child (under 18): AED 100/day
Organ Transplant & Cancer Treatment: Covered
Vision, Hearing Aids, Vaccinations: Included as per DHA policy

Best for: Families, corporate executives, or individuals needing comprehensive global and local coverage.

Liva Gold Plan (High coverage with slight reductions)

Annual Limit: AED 750,000
Network: Gold-tier hospitals and clinics
Room Type: Private
Maternity (In-patient): Same as Platinum — AED 10,000 limit
Maternity (Out-patient): Covered with 10% coinsurance
Diagnostics & Medicines: Covered with optional co-pays (0%, 10%, 20%)
Vision, cancer treatment, child vaccinations, and organ transplant: Covered
Physiotherapy & Parent Stay: Same as Platinum

Difference from Platinum: Slightly lower annual limit and more limited network.

Liva Silver Plan (Balanced mid-tier option)

Annual Limit: AED 500,000
Network: Silver-tier medical centers and clinics
Room Type: Private
Chronic Conditions: Covered up to AED 150,000
Maternity Benefits: Identical to Platinum & Gold (but within Silver network)
Diagnostics & Medicines: Covered (co-pays apply)
Ambulance, vaccinations, and preventive services: Included

Difference from Gold: Lower annual limit and smaller network size. It’s good for those wanting decent coverage at a moderate price.

Liva Bronze Plan (Essential coverage only)

Annual Limit: AED 250,000
Network: Bronze-tier hospitals and clinics
Room Type: Private
Chronic Conditions: Covered up to AED 150,000
Maternity (In-patient): Up to AED 10,000 with 10% coinsurance
Maternity (Out-patient): Covered with 10% coinsurance
Out-patient Treatment: 20% co-pay applies
Vaccinations, organ transplant, and ambulance: Covered with plan limits

Key Difference: Basic network and lower annual limit. This policy is suitable for visa-compliance or minimal health needs.

Liva Chrome Plan (Entry-level / clinic-restricted)

Annual Limit: AED 150,000
Network: Chrome (limited to outpatient clinics only)
Room Type: Private
OPD Restricted: No hospital outpatient coverage — clinics only
Maternity: Same as Bronze, but in limited network
Diagnostics & Medicines: Covered with co-pay
Chronic/Pre-existing Conditions: AED 150,000 max
Physiotherapy: 15 sessions/year (10% co-pay)

Key Difference: It’s the lowest-priced plan, designed for basic medical needs through clinics. Note that it doesn’t provide access to hospitals for outpatient services.

📝 Note: All plans cover pre-existing and chronic conditions (subject to limits), repatriation of mortal remains (AED 7,500), and DHA-compliant preventive care. However, network access, annual limits, and maternity benefits vary by plan tier.

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—

Provider Name	Address
DAR AL SHIFA MEDICAL CENTRE	P.O. BOX 8703, Abu Dhabi, Abu Dhabi
AL MANARA PHARMACY - BRANCH 6	Abu Dhabi
IHERB PHARMACY-L.L.C-O.P.C	Building 86, 2nd Street, Al Mutaredah, Deer Roundabout, Fujairah
MUBARAK PHARMACY L.L.C.	Old Immigration Road, Al Ain, Abu Dhabi
BLUE OCEAN MEDICAL CENTER	Mussafah Shabiya ME10, Mohamed Bin Zayed City, Abu Dhabi
MEDCARE HOSPITAL	King Faisal St, Sharjah
ZULEKHA HOSPITAL LLC	P.O. BOX 457, Nasariya District, Zahra Road, Sharjah
LIFE PHARMACY 3 LLC	Dragon Mart 2, Dubai
NMC ROYAL MEDICAL CENTRE	Al Nahda 2, Dubai
LIFE PHARMACY	Business Bay, Dubai
AL SHAMSI MEDICAL CENTER	City Center Area, Ajman
GMC HOSPITAL	Al Nuaimia, Ajman
RAK HOSPITAL	Al Qusaidat, Ras Al Khaimah
MEDICARE MEDICAL CENTER	Dibba, Fujairah
BAIT AL SHIFA PHARMACY	Kalba Rd, Fujairah
HEALTH CARE CENTER – UMM AL QUWAIN	King Faisal Street, Umm Al Quwain
DR SINAN EYE CLINIC	Al Ras Area, Umm Al Quwain
EMIRATES HOSPITAL	Jumeirah Beach Road, Dubai
BURJEEL MEDICAL CITY	Mohamed Bin Zayed City, Abu Dhabi

📝 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 —

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

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

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

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

To apply, you’ll need —

Passport copy with valid UAE visa page
Emirates ID copy (both sides)
Certificate of Continuity (if applicable)
Completed and signed Medical Application Form (MAF)

Yes. Depending on your selected plan or employer policy, co-payments for doctor visits and medicines can be set at 0%, 10% or 20%.

No, the Medical Application Form (MAF) is valid for 30 days only from the date it’s completed and signed by the applicant.

If you’re pregnant at the time of applying, you must declare it in the Medical Application Form. Failing to do so can lead to claim rejection or policy cancellation.

These conditions are generally covered up to AED 150,000 per year, although they must be declared in the application form. Coverage starts after underwriting approval and may have waiting periods based on DHA guidelines.

Yes. You can include your spouse and children as dependents under the same health insurance policy. Their full details — including relationship, age, nationality, and medical information — must be provided in the form.