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

next-icon
HEALTH INSURANCE
AED 1 million Health cover starting @4/Day
Selecting health insurance for
  • Self/Family
  • Domestic Workers
  • Investor
health-banner
Health Insurance

4.6/5

17,000+

google-logoReviews
Worldwide-Coverage-bgcode_e7f8ee
Worldwide Coverage
Wide-choices-bgcode_fcf5e5
Wide Choices
Expert-advice-bgcode_fcf0f0
Expert Advice

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

Why Compare Health Insurance Companies in UAE?

Comparing multiple health insurance companies 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 the UAE:

Coverage Options

Assess the range of coverage offered by the insurance company, 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.

List of 10 Best Health Insurance Companies in UAE 2024

If you're searching for the top and 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 15 plus different reputable and best health insurance companies in dubai across various locations, including.

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

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. 

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.
  • Easy-to-manage health insurance plans through the online portal.
  • 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

2. DIC

As one of the top 10 health insurance companies in the 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. 

Key Points: 

  • Plans start from AED 525.
  • Dubai and Northern Visa holders can avail of health plans from the provider.
  • Cancer screening and treatment coverage are offered.

Health insurance offer banner

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 

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

5. Orient Insurance

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

Orient Insurance ensures the well-being of each individual in the UAE. Hence, it offers health coverage plans for both individuals and businesses.

Key Points : 

  • Availability of DHA Essential Benefit Plans.
  • EMed plans are offers for employees having low salary bands.
  • Non-working dependents can buy 2a-DMed plans.

6. Cigna

Cigna is a global health insurance provider offering a plethora of comprehensive plans to government organizations, businesses, individuals, and families.

Key Points: 

  • Availability of affordable healthcare plans.
  • Availability of Employee Assistance Programme to promote employees’ wellness.
  • Get satisfactory customer service through multiple digital channels, including online portals, EAP, and Telehealth.

health insurance

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.

Key Point : 

  • A wide range of plans are available, which are Silver, Bronze, Gold, and Platinum.
  • Availability of Essential Benefits Plans (EBP).
     

8. Salama

From its founding in 1979 to its current position as the top supplier 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: 

Key Points: 

  • Essential Benefits Plans are available for individuals earning less than AED 4,000 in the UAE.
  • Salama health plans offers a direct billing network of over 900 providers within the country.
  • Get economical and flexible plans for individuals including domestic workers.
  • International Emergency Assistance service is included in all plans.
  • Swift and hassle-free claim settlement services

9. Watania Takaful

Established in 2008, Watania Takaful is one of the best health insurance companies in the UAE 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 

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: 

  • Comprehensive plans with worldwide coverage.
  • Get access to more than 3,000 healthcare providers.
  • Avail of international assistance and second medical opinion.
  • Family health plans start from AED 800 per year.

Health insurance offer banner

Apart from the top 10 health insurance companies in the 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

How to Choose the Best Health Insurance Companies in the UAE?

Choosing the right health insurance company is essential to ensure you and your loved ones get necessary treatment within the budget. We have mentioned crucial points that will help you select the best insurer:

Determine Your Needs:  Understand your healthcare requirements including coverage for routine check-ups, pre-existing conditions, hospitalization, and any specific medical needs.

Consider Multiple Companies: Explore multiple health insurance providers to compare their coverage, premiums, and reputation in the market.

Check Coverage Options : Look for policies that provide comprehensive coverage such as hospitalization, outpatient care, prescription drugs, and specialist consultations.

Evaluate Policy Exclusions : Carefully review policy exclusions to ensure you are aware of any limitations or conditions that may affect your coverage.

Consider Add-Ons: Assess the availability of add-on options such as maternity benefits, critical illness coverage, or personal accident cover to tailor the policy to your specific needs.

Review Policy Wordings: Read through the policy documents thoroughly to understand the terms, conditions, and limitations of the coverage offered.

Compare Premiums: Compare premiums from different insurers while considering the coverage provided to find the most cost-effective option that meets your needs.

Check the Claim Settlement Ratio: Research providers with a high claim settlement ratio. It helps to know their reliability in settling claims.

Research Customer Feedback: Read reviews and testimonials from existing policyholders to know the insurer's customer service quality, responsiveness, and overall satisfaction levels.

Consider Financial Stability:  Choose a reputable insurer with a strong financial standing to ensure stability and reliability in the long run.

Seek Professional Advice: Consider consulting with an insurance advisor or financial planner who can provide personalized recommendations based on your circumstances and needs.

Find the Best Health Insurance Companies with Policybazaar UAE

At Policybazaar.ae, we aim to provide our customers with quality services. The plans listed on our website are curated for both individuals and families. Each plan offers comprehensive coverage at affordable premiums. On top of that, our policy buyers have the option to customize their plans as per their needs. To ease the research and find the best deal, our health insurance experts are always ready to assist each policy seeker with utmost attention and cooperation.

FAQs

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

Almost all top health insurance companies in UAE and Dubai 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 insurers 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

More From Health Insurance