Sukoon - Oman Health Insurance Dubai

Sukoon Insurance is a well-established insurance provider in the UAE, with a rich history spanning over 48 years. Trusted by many, Sukoon has built a reputation for safeguarding what is most precious to individuals — whether it's their families, health, or personal belongings. The company is known for its innovative online services and prompt claim processing,

Among the various insurance plans offered by Sukoon Insurance, their health insurance plans are particularly noteworthy. With these policies, you can secure comprehensive health coverage, whether for yourself or your family.

We will dive deeper into Sukoon health insurance plans and explore their features, inclusions, exclusions, and much more.

An Overview of the Top Sukoon Health Insurance Plans

Let’s take a look at the key features of Sukoon health insurance plans —

Which Are the Top Health Sukoon Health Insurance Plans in the UAE?

We have outlined the top Sukoon health insurance plans —

1. Sukoon Safe: Sukoon Safe is the most affordable option, with an indemnity limit of AED 150,000. It covers UAE, Arab countries and South East Asia but does not extend to worldwide emergency care. This plan is great for basic health coverage, but it has higher co-insurance costs and limited maternity benefits compared to other plans​.
2. Sukoon Home: Designed for those who primarily seek coverage in the UAE, Arab countries and South East Asia, Sukoon Home has an indemnity limit of AED 250,000. It includes private room accommodation, maternity benefits and emergency treatments. However, elective treatments outside the UAE are not covered​.
3. Sukoon Home Lite: A more budget-friendly option, this plan offers the same AED 250,000 indemnity limit as Sukoon Home but has a smaller medical provider network. It provides essential coverage like outpatient consultations, inpatient care and maternity benefits, but some advanced treatments and international coverage are limited​.
4. Sukoon Max: This is a balanced coverage plan with an indemnity limit of AED 500,000 and treatment options available across the UAE and selected international locations. It includes direct billing, diagnostic tests and emergency treatments, but elective treatment abroad is not covered. A standout benefit is its network access to Signature Network and Medcare Group facilities​.
5. Sukoon Pro: Sukoon Pro is a mid-tier plan with an indemnity limit of AED 3 million, offering coverage worldwide except the USA and Canada. It includes inpatient and outpatient care, diagnostic tests and physiotherapy. A notable feature is its comprehensive maternity coverage of up to AED 20,000, including normal delivery and C-sections​.
6. Sukoon Prime: Sukoon Prime is a high-end health insurance plan that offers worldwide coverage, excluding the USA and Canada for elective treatments. It provides up to AED 5 million in coverage and includes private hospital rooms, inpatient and outpatient care and specialist consultations. A unique feature of this plan is the emergency extension cover in the USA and Canada for up to 90 days per year, but only for accidents and emergencies​.

Why Choose Sukoon Insurance Company (Oman Insurance)?

Sukoon has earned its reputation as a trusted name for delivering outstanding financial solutions. Here's why Sukoon is a preferred choice — 

1. Half a Century of Expertise: With 50 years of experience, Sukoon has a profound understanding of the insurance landscape.
2. Extensive Clientele: Serving over 1.36 million insured members, Sukoon's extensive customer base reflects the trust and confidence clients place in their services. ​
3. Claims Management: Demonstrating financial strength and commitment, Sukoon processes approximately 2 billion dirhams in claims annually.
4. Award-Winning Excellence: Sukoon's dedication to quality and innovation has been recognised with multiple accolades, including:​

• 2024 Cosmopolitan the Daily Business Awards: Named UAE's Best Health and Life Insurer, and honored for the Best Collectibles Insurance Management App
• 2024 ACQFIVE Global Awards: Awarded Health, Business Fleet and UAE's Insurance Company of the Year
• 2024 Finance Derivative Awards: Recognised as UAE's Best Online and Most Customer-Centric Insurance Company
• 2024 InsureTek Golden Shield Excellence Awards: Secured 'Commercial Insurer' and 'Digital Initiative of the Year' awards
• 2024 MENA Insurance Review Awards: Won the 'UAE Insurer' award for the second consecutive year

1. Customer-Centric Approach: Sukoon's unwavering commitment to customer satisfaction is evident through their continuous efforts to innovate and improve service delivery.

Features and Benefits of Sukoon Health Insurance Plans

Mentioned below are the key features and benefits of Sukoon health insurance plans —

1. Comprehensive Geographic Coverage: Sukoon health insurance plans offer extensive geographical coverage — ranging from coverage within the UAE to global coverage. This feature is especially beneficial for those who travel frequently for business or leisure.
2. Flexible Inpatient and Outpatient Benefits: All Sukoon insurance plans provide a combination of inpatient and outpatient benefits, including coverage for doctors' visits, prescribed drugs and diagnostic tests. The flexibility in choosing between direct billing and reimbursement options helps you to effectively manage your medical expenses based on your plan.
3. Coverage for Pre-existing and Chronic Conditions: Sukoon insurance plans address pre-existing conditions with specific coverage limits. Moreover, plans such as Prime and Max also offer significant coverage for non-pre-existing chronic conditions so that you have comprehensive support for long-term health issues.
4. Digital Health Services: A remarkable aspect of Sukoon is that it incorporates modern telehealth services through platforms like TruDoc, where members can get free consultations without the need for appointments. This convenient feature supports routine health checks and preliminary medical advice from the comfort of your home.
5. Personal Accident Benefit: An essential feature included in many Sukoon plans is the personal accident benefit, which provides a lump sum payment in case of accidental death or permanent total disability.

Network Hospital

You will find 14 different kinds of networks in the Sukoon insurance network hospital list. There are thousands of hospitals, clinics, and medical facilities added in the Sukoon insurance hospital list and Sukoon insurance clinic list.

Points to Consider Before Buying Sukoon Health Insurance

You must consider a few points before obtaining Sukoon medical insurance policy — 

1. Check whether your requirements align with Sukoon Insurance plans.
2. Analyse the affordability of the plans.
3. Explore the reviews of the insurer.
4. Understand the claim settlement procedure.
5. Check the No Claim Bonus and its impact on coverage or premiums.

Sukoon Health Insurance Prices in UAE

Here is an overview of  Medical Insurance Prices in Dubai, UAE:

If Income is less than AED 4,000:

If Income is more than AED 4,000:

Inclusions of Sukoon Health Insurance Plans

We have listed below are the common inclusions of Sukoon medical insurance — 

1. Inpatient and Outpatient Coverage: Covers hospitalisation, surgeries, specialist consultations and diagnostic tests across all plans.
2. Worldwide Emergency Treatment: Most plans offer emergency medical coverage outside the UAE, with some covering the USA and Canada for accidents and urgent care.
3. Maternity Benefits: Coverage includes prenatal, postnatal care, normal delivery, C-section and maternity complications, with limits varying by plan.
4. Pre-existing and Chronic Conditions: Covered up to the plan's limit, with some requiring a waiting period before coverage begins.
5. Pharmacy and Prescription Drugs: Includes prescribed medications, with prior approval needed for long-term treatments exceeding 30 days.
6. Physiotherapy Sessions: Available when prescribed by a specialist, with a set number of sessions per year depending on the plan.
7. Preventive Healthcare Services: Includes diabetes screening, hepatitis testing, vaccinations for children and adult pneumococcal vaccines.
8. Road Ambulance Services: Emergency medical transportation within the UAE is covered under all plans.
9. Mental Health and Psychiatry: Some plans offer psychiatric consultations and mental health treatment under specific conditions.
10. Alternative Treatments: Higher-tier plans may cover acupuncture, osteopathy and other alternative therapies.
11. Dental and Optical Benefits: Select plans include dental and vision coverage, while others offer these as add-ons with co-insurance.
12. Network Access: Members have access to a wide network of hospitals, clinics and pharmacies, with some plans offering premium healthcare provider options.
13. Home Nursing and Rehabilitation: Certain plans cover post-hospitalisation nursing care and rehabilitation services upon doctor’s recommendation.

Note: As the inclusions may vary for each plan, make sure to read the policy wording of each policy before selecting a plan.

What is Not Covered Under Sukoon Health Insurance Plans?

The common exclusions across all Sukoon health insurance plans are as follows — 

1. Non-Medically Necessary Services: Any service that is not deemed medically necessary by a provider
2. Cosmetic Procedures: Cosmetic surgeries and services, unless they are necessary due to an injury or a congenital anomaly that affects physiological function
3. Dental and Orthodontic Treatments: All expenses related to dental care, including orthodontic treatments (unless specifically included)
4. Obesity Treatments: Treatments for obesity, including surgical and non-surgical procedures, and weight control programs
5. Personal Comfort Items: Charges for personal comfort items such as TVs, barber or beauty services, and similar incidental services and supplies
6. Experimental Treatments: Services utilised for research or non-approved medical experiments and pharmacological weight reduction regimens
7. Professional Sports Injuries: Injuries and treatments arising from professional sports or dangerous activities like parachuting, racing, or mountaineering
8. Hearing and Vision Aids: Costs associated with hearing tests, vision aids, and prosthetic devices
9. Mental Health Disorders: Mental health disorders and related treatments unless specifically covered under the plan
10. Sex-Related Treatments: Services related to sex transformation, contraception and treatment for sexual dysfunction or sterility

Documents Required for Buying Sukoon Health Insurance

Here is the checklist of documents required to buy health insurance from Sukoon Insurance —

1. Valid Emirates ID
2. Valid passport
3. Valid residence visa

Note: Additional documents may be asked at the time of applying as per the provider’s requirements.

Benefits of Buying Sukoon Health Insurance Online

Advantages of buying Sukoon health insurance online are given below —

1. Compare and purchase Sukoon Health Insurance anytime, anywhere without visiting an office.
2. Get quick approval and easy access to your insurance policy without unnecessary delays.
3. Compare multiple Sukoon plans side by side to choose the one that best fits your needs and budget.
4. Enjoy special offers and lower premiums available only on online purchases.
5. Complete the entire process digitally with zero paperwork for a smooth and hassle-free experience.

How and Why to Buy Sukoon Health Insurance via Policybazaar UAE?

Policybazaar UAE is a leading online insurance comparison platform that helps customers find and purchase the best insurance plans in the UAE. With a user-friendly interface and access to multiple insurers, Policybazaar.ae allows individuals to compare different policies, understand their benefits, and make informed decisions.

Follow the given steps to buy Sukoon health insurance in the UAE on Policybazaar.ae — 

1. Go to Policybazaar UAE and navigate to the Health Insurance section.
2. Enter your details, including name, salary, nationality and other relevant information.
3. After submitting your details, you will be redirected to the quotes page, where multiple insurers offer different health insurance plans.
4. Use the filter option to find Sukoon Health Insurance plans and select the one that best suits your requirements.
5. Proceed with the payment online to finalise your policy. If you need any assistance or clarification, you can contact the expert team at Policybazaar UAE for guidance.

Given below are the top reasons why you should choose Policybazaar UAE to buy Sukoon health insurance —

1. Access to Top-Rated Insurers:  Compare and choose from a wide range of health insurance plans offered by leading insurance providers in the UAE.
2. 24/7 Customer Support: Enjoy from round-the-clock assistance to address any queries or concerns during the insurance selection and purchasing process.
3. Comprehensive Plan Comparison: Effortlessly compare multiple health insurance plans side by side and make informed decisions based on coverage, benefits and premiums.
4. Renewal Reminders: Receive timely notifications for policy renewals and get continuous coverage without lapses.
5. User-Friendly Online Platform: Enjoy a seamless and intuitive online experience that simplifies the process of finding and purchasing the right health insurance plan.

How to Renew Sukoon Health Insurance?

To renew health insurance of Sukoon Insurance through Policybazaar.ae, simply follow the given steps —

1. Log into your Policybazaar.ae portal using your login ID and password.
2. Head to your Policybazaar UAE dashboard.
3. From the list of purchased policies, select your Sukoon health insurance policy.
4. Click on the ‘Renew’ button.
5. Review your current health policy and make customisations if needed.
6. Once done, proceed towards the payment process.
7. Complete the payment to successfully renew your health insurance policy.

Note: Your renewed policy will be sent to your registered email ID.

Sukoon Health Insurance Claim Process

Given below are the steps for Sukoon health insurance reimbursement process — 

1. Download the Claim Form: Obtain the medical reimbursement claim form from Sukoon's official website. ​sukoon.com
2. Submission Methods: Complete the form and submit it through one of the following channels:​
3. Online: Upload the filled form along with supporting documents via the mySukoon portal or the mySukoon mobile app.
4. In-Person or Courier: Deliver the documents to any Sukoon branch or mail them.
5. Required Documents: Ensure you include the following with your claim form:

• Original invoices or bills indicating payment confirmation
• Relevant medical and laboratory test reports
• A copy of the claimant's healthcare insurance card.
• Completed summary table of invoices from the reimbursement claim form.​

For claims exceeding certain amounts, original documents are mandatory:​

• Claims Abroad: Over AED 5,000.
• Claims within the UAE: Over AED 10,000.​

Note: All documents must be in English or Arabic; translations are required for other languages.

Submission Timeline of Sukoon Health Insurance Claims

Ensure your submitted within 120 days of receiving treatment for timely processing. Both you and the attending physician must complete the claim form for each visit or treatment course. Note that each individual must submit their own claim; family members cannot be combined into a single submission. 

Claim Processing

Sukoon aims to process all eligible claims within three weeks of receiving the completed form and necessary documents. Reimbursements are calculated based on customary prices within your network. For example, if a consultation costs AED 400 but the average fee in your network is AED 250, reimbursement will be AED 250. Co-insurance and deductibles, such as a standard 20% co-insurance rate, will also apply. 

Payment Details

To facilitate faster payments, update your International Bank Account Number (IBAN) through the mySukoon app or the mySkoon portal. 

Download Sukoon Outpatient Claim Form

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Frequently Asked Questions