Don’t gamble with your health, get the right cover at the right price.
Valid on select insurers. T&C apply *
Union Health Insurance was established in the year 1998 with paid-up capital of more than 330 million AED & has its corporate office in Dubai. The company is licensed by the United Arab Emirates Insurance Authority and it is listed on the Security Exchanges of Abu Dhabi. The Union medical insurance company is renowned for offering a comprehensive range of commercial & retail insurance products to its clients in the UAE and Middle East region.
In its health insurance range, the company offers an array of plans for securing the health of the individual and /or group. The customer support team of Union Health Insurance Company is available 24x7 to help its clients in case of emergencies.
Here are the Union Medical Insurance Plans in Dubai, UAE for 2021:
|Plan Name||Annual Limit (AED)||Network||Price|
|Essential Benefits Plan||1,50,000||NextCare PCP -C Network|
|Sanad Plan||1,50,000||NextCare TPA -PCP & RN3 Network|
|Enhanced Individual Plans|
|Plan A||10,00,000||General Network Plus|
|Plan B||5,00,000||General Network|
|Plan C||2,00,000||Restricted Network|
|Plan D||2,00,000||Restricted Network 2|
|See More Plans >>>|
Following are the features & benefits of the plans offered by Union Health Insurance:
The Union Health Insurance Company offers an array of flexible health insurance plans to secure the health of individuals. The company provides the best health insurance solution that meets individual & corporate needs. With Union health insurance plans, one can live freely & make the most of their life. Following are the plans offered by Union Health Insurance Company:
Union health insurance products by Union Health Insurance for an individual are:
|Age Band||Sanad Premium Rates (Per Person)*Excluding VAT|
|0 to 5||755 AED|
|6 to 17||755 AED|
|18 to 25||824 AED|
|26 to 30||1360 AED|
|31 to 35||1500 AED|
|36 to 40||1500 AED|
|41 to 45||1500 AED|
|46 to 50||1950 AED|
|51 to 55||1950 AED|
|56 to 60||1950 AED|
|Greater than 60||3950 AED|
The types of corporate Union Health Insurance Plans are as follows:
Listed below are some inclusions of Union Health Insurance:
|In-Patient Benefits||Costs on Room & board for hospitalization|
|Day-care patient and in-patient|
|Specialist physicians services for in-patient treatment coverage.|
|Cover for in-patient specialist services including diagnostic procedures & consultations.|
|Cover for surgeon’s & Anesthetists services.|
|Cover for pre-approved minor surgical procedures at a recognized hospital, medical facility or private hospital.|
|Cover for Chemotherapy, Radiotherapy, & Computerized Tomography received as an inpatient as referred by an approved specialist.|
|Cover for the use of private road ambulances in times of emergency|
|Cover for prescribed medicines & drugs|
|Cover for accommodating a person with an insured child (up to 16 years of age)|
|Cover for accommodating a person with an in-patient in that same room|
|Out-Patient Benefits||Consultations including initial consultations & examinations in respect of a medical condition.|
|Prescribed out-patient diagnostic tests & physiotherapy treatment coverage|
|Cover for Chemotherapy, Radiotherapy, & Computerized Tomography received as an out-patient as referred by an approved specialist.|
|Out-patient medicines & drugs which require a prescription (except those being list in the list of exclusions)|
|Maternity Benefits||Out-patient maternity benefits|
|In-patient maternity benefits|
|Coverage for newborn|
|Additional Benefits||Preventive services as specified by DHA for including initially the diabetes screening|
|Necessary inoculations and vaccinations for children as well as a newborn as specified in the policies of DHA|
|Medical emergencies in case of treatment and diagnostic services for gum and dental treatment|
|Medical emergencies in case of vision and hearing aids and vision correction through surgery & laser|
Following are the exclusions for Union health insurance individual plans only:
The dedicated health insurance claim department of Union Health Insurance Company is always eager & available to help their customers in times of need. One can easily buy Union health insurance plans online and make a claim for the same online without any hassle. The easy online claim submission service ensures quick & smooth claim settlement. The four steps of the claim process are as follows:
Q.1. Is treatment for pre-existing & chronic conditions covered under this Union health insurance Dubai?
Ans: Treatment for pre-existing & chronic conditions is covered subject to a waiting period of six months of first insurance membership with the insurer. After the 6 months, they are included.
Q.2. Are maternity services covered?
Ans: Yes, you can opt for both in-patient & out-patient maternity services with Union Health Insurance Dubai, UAE. For in-patient, 10 percent coinsurance payable by the insured. In addition to this, normal birth delivery of a maximum of 7000 AED, up to 10,000 AED for medically necessary C-section, complications & for medically necessary termination of pregnancy is included under this Union health insurance plan. For out-patient, 10 percent coinsurance payable by the insured & covered up to eight visits. All care offered by the obstetrician for low risk or specialist obstetrician for high-risk referrals initial investigations is covered under this medical insurance plan.
Q.3. Are dental services covered?
Ans: All medical expenses related to dental treatment, orthodontic treatments, & dental prostheses are excluded from the Union Health Insurance plans.
Q.4. What is the mode of claim settlement?
Ans: Following are the modes of claim settlement:
|UAE Network: In-Patient & Out-patient:||Direct Billing|
|UAE Non-Network (if covered): In-Patient & Out-patient:||Not Covered|
|Abroad (if covered)||Reimbursement|
Q.5. What does Union Health Insurance Dubai cover?
Ans: Union Health Insurance Dubai covers in-patient as well as out-patient medical encounters, healthcare treatments, surgical procedures, tests, medication, and maternity services to an annual aggregate limit of 150,000 AED.