10 Best Health Insurance Companies in Dubai

Health insurance companies in UAE are crucial for ensuring that residents and expatriates have access to high-quality healthcare services. These companies play a vital role in providing comprehensive coverage and a vast network of healthcare providers in the dynamic UAE healthcare system. They prioritize the well-being of policyholders by offering customizable plans, clear policies, and efficient claim processes. In this guide, we'll explore the top 10 health insurance companies, understand their benefits, and consider essential factors to help you make an informed decision about your health coverage. ...read more

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The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

By comparing the top health insurance companies in dubai along with their offerings, you can make an informed decision and choose a plan that best aligns with your unique needs and preferences. Remember, investing in a suitable health insurance policy is not only about safeguarding your health, but it is also a crucial component in ensuring peace of mind for you and your loved ones.

If you're searching for the best health insurance companies in UAE, you've come to the right place. Policybazaar UAE is here to help you compare medical policies from over 10 plus different reputable and best health insurance companies in dubai across various locations, including.

List of 10 Best Health Insurance Companies in UAE 2024

Insurance Company

Network Hospitals + Clinic

Sukoon Insurance

1500 +

Dubai Insurance Company

1185 +

Takaful Emarat

909 +

Orient Takaful

1650 +

Orient Insurance

2040 +

Cigna Insurance

2000 +

ADNIC

1288 +

Salama Insurance

250 +

Watania Takaful Insurance

1600 +

Daman Insurance

900 +

1. Sukoon

Renowned for its comprehensive health insurance plans in the UAE, Sukoon Insurance Company has made its mark in the country’s insurance market with its core values of collaboration, customer first, integrity, and excellence. As a reputed health insurance provider and one of the top medical insurance companies, it has a wide network of healthcare providers, right at your service. 

In addition to the comprehensive plans and basic plans, the insurance provider is UAE vouched for its easy claim process. Here are the salient features of health insurance from Sukoon Insurance Company - 

Sukoon offers health coverage for both individuals and families. Customers can select their desired plan at economical rates.

Key Points: 

  • Wide network of healthcare providers.
  • Availability of comprehensive plans, including HealthPlus and DHA EBP Plans
  • Global and local coverage included.
  • With Sukoon health insurance plans, customers get coverage regionally as well as internationally, depending on their selected plan. 
  • Easy-to-manage health insurance plans through the online portal.
  • Maternity and newborn coverage also available
  • Get 6 comprehensive plans in different cover limits from AED 150,000 to AED 5,000,000
  • Plans with low annual costs for holders of Dubai visas beginning at AED 560
  • Direct payment to more than 1,500 healthcare  providers
  • Chronic and pre-existing conditions are addressed
Click here to Buy Sukoon Health Insurance

2. DIC

As one of the top 10 health insurance companies in UAE, Dubai Insurance Company (DIC) was incorporated by His Highness Late Sheikh Rashid Al Maktoum. Its health insurance is available for Dubai and Northern Emirates visa holders and dependents up to 18 years old. 

The following are the key features of the best health insurance in UAE -

  • Round-the-clock emergency support
  • Premium rate starting from AED 525
  • Coverage for investigation, diagnosis, and treatment services
  • Dubai and Northern Visa holders can avail of health plans from the provider.
  • Cancer screening and treatment coverage are offered
  • Hassle free claim procedure

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Click here to Buy DIC Health Insurance

3. Takaful Emarat

Established in 2008, Takaful Emarat is a pioneer in Islamic Insurance sector. The top health insurance company in the UAE offers a plethora of comprehensive health insurance solutions that offer protection. Its enhanced medical coverage is provided in the Emirates of Abu Dhabi and Dubai. The major benefits include -

Key Points: 

  • Prescription Drugs Coverage - up to AED 15,000
  • Dental Benefits with Direct Billing at Network Providers - up to AED 3,000
  • Optional Optical Coverage - up to AED 1,500
  • Network - NAS, Mednet, NextCare, and E Care
  • Worldwide Coverage 
  • Plans available for individuals and families
  • Hassle-free claim process

Health Insurance TPA - Third Party Administrator in UAE

MedNet NextCare NAS
Neuron ECARE TPA Dubai Care

4. Orient Takaful

Modern health insurance policies are the core of what Orient Takaful offers. These goods bear witness to the company's commitment to protecting the health and welfare of its customers.

The complete coverage offered by Orient Takaful's health insurance policies, along with its specific programmes for chronic conditions and support systems for critical illnesses, have significantly improved people's perspective and experience of healthcare coverage.

The following are the key features and benefits of the best health insurance company in the UAE -

Key Points: 

  • Easy Hospital Access: Instant and straightforward access to the best hospitals in the UAE and GCC.
  • Private Rooms at Top Hospitals: Depending on your chosen plan, enjoy in-hospital coverage with access to private rooms in top-notch hospitals.
  • Quick Online Claim Reimbursement: Experience rapid reimbursement of claims through a convenient online process.
  • Comprehensive Coverage: Depending on your selected plan, get coverage for pre-existing and chronic diseases, outpatient services, and inpatient treatments.

Read More : How do Health Insurance Companies know if you smoke

Click here to Buy Orient Takaful Health Insurance

5. Orient Insurance

One of the top 10 health insurance companies, Orient Insurance is a customer-oriented insurance provider in UAE. It is known for providing innovative risk solutions that cater to customers' complete satisfaction, demonstrating a deep commitment to customer service. 

With the most insurance-qualified staff in the entire region, Orient Health Insurance provides a range of health insurance policies that protect people against a number of serious illnesses. Orient health insurance policies in Dubai provide flexible premium payment alternatives together with global coverage. The following are the key benefits of Orient Insurance health insurance plans -

Key Points : 

  • Plans are available for up to 37 serious illnesses.
  • Heart attack, kidney failure, coronary artery bypass surgery, benign brain tumours, major organ transplants, and other illnesses are covered. 
  • After 28 days following the diagnosis of any serious disease covered by Orient Health's policies, a lump sum payment is made. 
  • There is a 90-day waiting period after the policy's issuance date.
  • Instead of charging an annual fee, the Orient Health Insurance plan offers coverage for several family members at a fixed sum insured. In most cases, the plan will pay for the hospitalisation or diagnosis of two or more family members.

6. Cigna

Cigna Middle East is a division of Cigna Corporation, a worldwide provider of health services with over 180 million clients worldwide with US roots. With its locally regulated organisations and partner agreements, Cigna Middle East provides services to the GCC markets as well as Lebanon.

Leader in the global healthcare industry Cigna provides a variety of all-inclusive health insurance policies to families, individuals, and government agencies worldwide. The main characteristics of the services offered by this top health insurance provider in the United Arab Emirates are as follows:

Key Points: 

  • Round-the-clock multilingual customer service 
  • Quick query resolution. Get the call answered within 30 seconds
  • Coverage for in-patient treatment, out-patient treatment, basic maternity benefits, mental health benefits, prescribed drugs, and more. 
  • Healthguard plans come in three different levels of coverage and are DHA compliant. The organisation transfers your plan to another one in the event that you were to depart Dubai. 
  • Cigna provides a plan to fit your needs, depending on your budget and the destination of your travels.
  • Coverage for chronic and pre-existing diseases up to the annual cap
  • Clinical case management to assist patients in choosing the best course of treatment
  • Hospital care and accommodations for inpatients and day patients
  • The most appropriate medical insurance plan in the UAE for you and your family, in terms of coverage and quality.
Click here to Buy Cigna Health Insurance

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7. ADNIC

In the United Arab Emirates (UAE), Abu Dhabi National Insurance Company PJSC (ADNIC) was founded in 1972. Leading regional multi-line insurer ADNIC has a long history of offering business and individual clients in the Middle East and North Africa (MENA) area insurance and reinsurance services.

As the best health insurance company in the UAE, ADNIC believes in providing you the best-in-class insurance solutions. The insurance provider provides top-notch customer service, value-added services, and extensive local and international cover in an intuitive, uncomplicated tier-based selection structure.

The following are the key benefits of the best health insurance in the UAE 

  • Easy claim filing process
  • Designed for people who want not to sacrifice advantages, the Platinum plan is a premium health insurance option. Both inpatient and outpatient care are covered globally by this plan. Dental care can be divided into significant and routine treatments. In the event that it becomes necessary, vision care is also provided.
  • Except for the United States and Canada, the Gold plan provides international coverage for both inpatient and outpatient services. When it comes to choosing the best option for each member, this health insurance plan offers the most possibilities. Dental care can be divided into significant and routine treatments. For those who need it, vision care is also available as an option.
  • The Silver plan has a respectable layout and a fair pricing. International coverage is offered for both inpatient and outpatient services, with the exception of the United States, Canada, and Europe. The plan gives you a variety of alternatives to choose from. Additionally, the plan offers groups the option to choose routine dental coverage.
  • Coverage is available throughout the United Arab Emirates with the Bronze package. This is the least expensive "Shifa" individual plan that nonetheless provides sufficient health coverage.
Click here to Buy ADNIC Health Insurance

8. Salama

From its founding in 1979 to its current position as the top provider of insurance solutions compliant with Shariah, SALAMA has led the way in the Takaful sector.

The Essential Benefit Plan and the Enhanced Benefit Plan are the two health insurance options provided by the largest health insurance provider in the UAE. The features of the plans and the services provided are as follows: 

  • Direct billing network
  • Quick and effortless medi-claim settlement process
  • Flexible and affordable health insurance plans for individuals and families
  • Get international emergency assistance
  • Get routine dental cover
  • Coverage for chronic medical condition
  • Vaccination cover for children
  • Alternative medicine benefit
  • Emergency mental health cover
  • Networks offered include - Silk Road, Silver Classic, Gold Premium, Green, Silver Premium
  • Diagnostics including laboratory tests, radiology, and imaging
Click here to Buy Salama Health Insurance

9. Watania Takaful

Established in 2008, Watania Takaful is one of the best health insurance companies in Dubai that offers comprehensive coverage to the insured in case of an emergency medical situation. The following are the main features of Watania Takaful health insurance plans -

  • Homeland treatments
  • Accidental death coverage
  • Treatment at over 1,600 care centres
  • Prenatal and childbirth cover
  • Personal accident cover
  • DHA accredited insurance plans
  • Chronic care management program
  • Claim filing process in 3 easy steps
  • Plans available for individuals and family members 
  • Round-the-clock customer care support
Click here to Buy Watania Health Insurance

10. Daman Insurance

Daman is a component of PureHealth, the most integrated healthcare platform in the United Arab Emirates. PureHealth is an ecosystem that includes more than 28 hospitals, 100 clinics, various diagnostic facilities, insurance options, pharmacies, health technological expertise, procurement, investments, and more that challenges lifespans and reinvents health spans.

As a leader in health insurance, Daman fosters innovation by combining cutting edge technology with healthcare-specific knowledge provided by a highly qualified and informed staff. Members receive value additions from special services like the illness management initiatives. The following are the benefits of this best health insurance in the UAE -

Key Points: 

 

  • Plans that are extensive and include optional global coverage.
  • Coverage for essential services like emergency, maternity, outpatient, and inpatient care.
  • Foreign aid and services for a second medical opinion.
  • flexibility to customise your plan and add supplementary benefit modules.
  • Access to more than 3,000 UAE health care providers
  • You can use the Daman website or Daman app to submit your reimbursement claim.
  • Through the company's app, you may receive health care on-the-go and have access to doctors and medical specialists around-the-clock via teleconsultations.
Click here to Buy Daman Health Insurance

 

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Apart from the top 10 health insurance companies in UAE, lets take a look at the other prominent health insurance providers along with their health insurance features and benefits.

Other Health Insurance Companies in Dubai ( UAE )

  • Hayah Insurance
  • GIG Gulf Insurance
  • Al Sagr Insurance
  • Adamjee Insurance
  • Dubai National and Reinsurance Insurance (DNI)
  • RAK Insurance
  • Alliance Insurance
  • MetLife Insurance
  • Union Insurance

To Know More About Above Listed - Click Here

Abu Dhabi, Ras Al Khaimah, Sharjah, Umm Al Quwain, Ajman, and Fujairah.

Why Compare Health Insurance Companies in UAE?

Comparing multiple best medical insurance in uae helps you make a well-informed decision regarding which plan to opt for. Sticking to just one insurance may not be a good option. In order to find the best deal, that is maximum health coverage at minimal premiums, it is essential to check out multiple providers. Additionally, when selecting a health insurer, you must look into its Claim Settlement Ratio to avoid any hassle while filing a claim for your policy.

Important Factors to Consider Before Choosing a Health Insurance Company

The following are some of the key points to consider before selecting a health insurance company in UAE:

Coverage Options

Assess the range of coverage offered by the best medical insurance in uae, including inpatient and outpatient services, maternity care, dental and optical treatments, coverage for pre-existing conditions, and others.

Network of Providers

Check the insurer's network of hospitals, clinics, and healthcare professionals to ensure convenient access to quality medical services.

Policy Exclusions

Review the policy exclusions to understand any special conditions that may affect your coverage, such as exclusions for certain treatments or pre-existing conditions.

Premiums and Deductibles

Compare premiums and deductible amounts of multiple providers to find a plan that offers the best value for your budget and healthcare needs.

Add-On Benefits

Evaluate the availability of add-on benefits or riders to enhance your policy at a minimal cost or free of charge.

Claim Process

Be thorough with the insurer's claim process, including the ease of filing claims and estimated time for claim settlements.

Customer Service

Consider the insurer's customer service quality, responsiveness, and availability of support channels, such as online portals, mobile apps, or dedicated helplines, for assistance with policy queries and claims.

FAQ

Q1. Which health insurance companies in Dubai offer cashless hospitalization facilities to the insured?

Almost all top health insurance companies in Dubai and UAE offer cashless hospitalization for treatments done in one of the network hospitals. Reimbursements are available for out of network hospitals.

Q2. Can I change my health insurers? Can it be done at any point of time during my coverage period?

You can change your health insurance provider easily but this can generally be done only during the renewal or new enrolment period of your health insurance plan. The new health insurers should be notified beforehand as well.

Q3. Can I port my current health insurance plan to other health insurance companies in Dubai?

This depends on the terms and conditions laid out by your health insurance provider. If plan portability is allowed by both the current company and the new company, you can port the plan. 

Q4. How many health insurance companies are there in UAE?

There are 62 health insurance provider in UAE as per the data available in 2021 out of which 35 are national insurance companies based in UAE and 27 are international insurance companies.

Q5. Which is the Top 10 Best Health Insurance Companies in UAE?

List of Best Health Insurance Company in UAE.

  1. Sukoon Health Insurance
  2. Dubai Insurance Company
  3. Takaful Emarat
  4. Orient Takaful
  5. Orient Insurance
  6. Cigna Insurance
  7. ADNIC
  8. Salama Insurance
  9. Watania Takaful Insurance
  10. Daman Insurance

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