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Get the best health insurance plan that suits your needs and helps you pay for your medical bills with ease. At Policybazaar, you can view, compare and opt for a suitable health insurance plan as per your needs with cashless benefits and convenient medical bill payment options.
Health insurance is a type of insurance that provides financial coverage for surgical and medical expenses when the insured is hospitalized. Appropriate medical insurance Dubai covers the policyholder with several benefits like day-care hospitalization and pre as well as post-hospitalization. In fact, some of the leading health insurers provide coverage for cashless hospitalization facilities at network hospitals during the tenure of the policy.
Here are a few major benefits of buying online medical insurance in Dubai -
Following are the different types of medical insurance plans that one can opt for in order to meet their specific insurance needs:
As its name suggests, Individual health insurance dubai plans are offered by insurance companies in the UAE to a single policyholder. It offers financial coverage against certain illnesses and offering several benefits such as cashless hospitalization, pre, and post-hospitalization, etc. The entire sum assured is provided to only a single person.
When it comes to the cost of the best insurance in Dubai, family health insurance plans are the perfect blend of affordability and wider coverage. Instead of purchasing separate medical insurance uae policies for each family member, one can opt for the family plans in order to cover the entire family under one single cover. These types of insurance plans usually restrict the number of policyholders to one spouse and a fixed number of children. Under family medical insurance plans, The sum assured is per person in the insurance plan as well for family insurance.
Senior Citizen Health Insurance Plans are specifically designed for anyone who is 60 years old & above. Please do keep in mind, insurance for senior citizens can have a higher premium as the insurer will calculate the risk accordingly. Although only a few insurance companies in UAE offer such types of plans, they might ask for a medical check-up before selling out the plan. In addition to this, such policies may slightly higher in comparison to the best health insurance in uae plans for young individuals because senior citizens are more prone to illnesses and health diseases.
Group Health Insurance Plans are typically provided by employers. Plus, they are created to include & exclude employees as they join & leave the organization. Group insurance plans are usually low in premium because there are higher number of applicants and hence the plans are customizable to match the needs of the company
Although insurers do cover critical illnesses, the insured member/applicant needs to mention the illness while the plan is being purchased in the initial stages. This will cause a change in the pricing, but the declared medical condition will be covered from day 1 of the insurance.
The different features and benefits of health/medical insurance in Dubai and across the UAE are listed as follows:
We at Policybazaar.ae can help you to buy the best medical insurance plan that suits your health requirements. Here is a comprehensive list of best plans in Dubai, UAE:
|Plan Name||Medical Cover (AED)||Pharmacy Limit||Price|
|Adamjee - Silk Road||1,000,000||Upto Medical Cover|
|DNIRC - Silk Road||1,000,000||Upto Medical Cover|
|Orient Insurance - Silk Road - Family Care||1,000,000||Upto Medical Cover|
|Takaful Emarat - Silver||1,000,000||Upto AED 5,000|
|Orient UNB Takaful||1,000,000||Upto AED 5,000|
|Al Sagr - Bronze||150,000||Upto AED 2,000|
|Alliance - Limited Plan||150,000||Upto AED 3,000|
|Watania - Silk Road - Family Care||1,000,000||Upto Medical Cover|
|Daman - Care Bronze DNE Without Dental||500,000||Upto AED 10,000|
|See More Plans >>>|
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Having health insurance UAE is mandatory. In case your employer does not provide a healthcare cover, you will have to buy one privately both for yourself as well as your family. Medical insurance uae cost are exorbitant but the care provided is the best in the world. The family insurance cost in Dubai especially is quite expensive in comparison to the other Emirates.
Even though the medical insurance UAE / Best health insurance in uae prices make it the 7th most costly nation in the world but there is a reason why it ranks as the top medical tourism centre in the world.
Dubai Health Authority or DHA, one of the government healthcare entities in the UAE, overseas the healthcare projects and operations to ensure the delivery of quality medical services. All the health insurance cost in Dubai are recommended to strictly adhere to the inclusions list provided by the authority and set them forth depending upon the extent of medical cover that a policyholder is eligible for.
|Name||Type||City||Hospital Name||Address||Phone No||Speciality|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic City Hospital||PO Box 505004, Dubai, UAE Dubai Healthcare City, Bldg 37||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Welcare Hospital||PO Box 31500, Dubai, UAE Al Garhoud||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Parkview Hospital||PO Box 51122, Dubai, UAE, Al Barsha South 3||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Arabian Ranches||PO Box 282602, Dubai, UAE Arabian Ranches Community||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Dubai Mall||PO Box 282890, Dubai, UAE Dubai Mall, Fashion Parking, Level 7||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Mirdif||PO Box 232328, Dubai, UAEUptown Mirdif||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Ibn Battuta||PO Box 117093, Dubai, UAE Ibn Battuta Mall, China Court||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Al Qusais||PO Box 30622, Dubai, UAE Dubai Residential Oasis, Al Qusais||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Al Sufouh||PO Box 500723, Dubai, UAE Knowledge Village, Block 10||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Meadows||PO Box 282414, Dubai, UAE The Meadows Community||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Deira||City Centre Officer Building, Port Saeed Adjacent to Pullman Hotel, Dubai, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Me'aisem||City Centre Me'aisem, Media Production City Sheikh Mohammed Bin Zayed Rd, Dubai, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Springs||The Meadows Souk / The Springs, Al Asayel street, Dubai, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Middle East Corporate Office||PO Box 123812, Dubai, UAE Publishing Pavilion, Floors 5-7 Dubai Production City (next to City Centre Me'aisem)||04 512 3000||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Al Noor Hospital||P.O. Box 46713, Abu Dhabi, UAE Khalifa Street, next to National Bank of Abu Dhabi (NBAD)||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Airport Road Hospital||P.O. Box 48481,Abu Dhabi, UAE Airport Road, Next to Zayed Sports City||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Musaffah||P.O. Box 46713, Abu Dhabi, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Al Mamora||PO Box 46713 Abu Dhabi UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Baniyas||Baniyas East 9, Abu Dhabi, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Al Ain Hospital||P.O. Box 14444, Al Ain, UAE Khalifa Street, next to Choitram Supermarket||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Al Jowhara||Civic Centre District, Al Ain City, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Al Yahar||Al Yahar, Al Ain City, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Bawadi||Bawadi, Al Ain City, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Zakher||Zakher, Al Ain City, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Al Madar||Zayed Al Awwal St., near Hazza Bin Zayed Stadium, Al Ain City, UAE||800 1999||Multispecialty|
|Mediclinic||Hospitals & Clinics||Dubai||Mediclinic Madinat Zayed||P.O. Box 57827 Al Dhafra Bldg, Sports Club Bldg C, Abu Dhabi, UAE||800 1999||Multispecialty|
|Prime Medical Centre||Clinic||Ajman||-||AJMAN Medical Center||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Sharjah||-||AL NAHDA Medical Center||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Sharjah||-||AL QASIMIA Medical Center||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||AL QUSAIS Medical Center||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||AL WARQA Medical Center||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||BARSHA HEIGHTS Medical Center||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||Burjuman - Bur Dubai||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||Deira - Near Salahuddin Metro Station, Dubai||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||Jumeirah - Al Wasl Road, Dubai||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||Mizhar - Al Khawaneej Road, Dubai||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||Motor City - Detroit St West Arcade, Dubai||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Dubai||-||Sheikh Zayed Road - Sheikh Zayed Road, Dubai||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Sharjah||-||Zero-6 Mall - University Road, Sharjah||47070999||Multispecialty|
|Prime Medical Centre||Clinic||Sharjah||-||King Faisal - King Faisal, Sharjah||47070999||Multispecialty|
|Dubai London Clinic||Clinic||Dubai||Speciality Hospital Umm Suqueim||Jumeirah Beach Road Umm Suqeim 2 Dubai, UAE||971 54 447 9903 (Emergency) 971 4 378 2999 (International)||Multispecialty|
|Dubai London Clinic||Clinic||Dubai||Clinic at Nakheel Mall||Nakheel Mall Lower Ground Floor Level Palm Jumeirah Dubai, UAE||971 54 447 9903 (Emergency) 971 4 378 2999 (International)||Multispecialty|
|Dubai London Clinic||Clinic||Dubai||Clinic at The Villa Centro||Next to Spinneys Wadi Al Safa 5 Al Ain Road Dubai, UAE||971 54 447 9903 (Emergency) 971 4 378 2999 (International)||Multispecialty|
|Dubai London Clinic||Clinic||Dubai||Clinic at Dubai Festival City Mal||Festival City Mall Festival City Boulevard (opp. IKEA) Dubai, UAE||971 54 447 9903 (Emergency) 971 4 378 2999 (International)||Multispecialty|
|Dubai London Clinic||Clinic||Dubai||Dental Clinic||Villa 440a, Al Wasl Road, (opp. Box park) Jumeirah 2 Dubai, UAE||971 54 447 9903 (Emergency) 971 4 378 2999 (International)||Multispecialty|
|Dubai London Clinic||Clinic||Dubai||Clinic at Al Thanya Centre||Al Thanya Centre Al Thanya Street, Umm Al Sheif Dubai, UAE||971 54 447 9903 (Emergency) 971 4 378 2999 (International)||Multispecialty|
|Al Noor Polyclinic||Clinic||Dubai||Al Noor Al Barsha Polyclinic||Elite Business Centre, 3rd Floor, Room Number 301, In front of Lulu Centre Al Barsha - Dubai||971 4 2218122||Multispecialty|
|Blue Tree Clinics||Clinic||Dubai||Blue Tree Clinics - Chiropractic Dubai||Villa No 967 - Al Wasl Rd - Umm Suqeim 2 - Dubai - United Arab Emirates||04-348-8262/ 04 328 2686||Multispecialty|
|Northwest Clinic||Clinic||Dubai||Northwest Clinic||935, Al Wasl Road Jumeirah Umm Suqeim 2, Dubai, UAE||97143842000/ 800||Multispecialty|
|7 Dimensions Medical Centre||Clinic||Dubai||-||Near Dubai Miracle Garden, Diamond Business Centre A, 1st Floor, Arjan, Al Barsha, Dubai||97142434777, 971501377000||Multispecialty|
|Wellbeing Clinic||Clinic||Dubai||-||Near Dubai Miracle Garden, Diamond Business Centre A, 1st Floor, Arjan, Al Barsha, Dubai||97142434777, 971501377000||Multispecialty|
|Dr Joy Dental Clinic||Dental Clinic||Dubai||Dr. Joy Dental Clinic Jumeirah Dubai||Villa No - 1021 Al Wasl Rd - Jumeirah - Umm Suqeim 2 - Dubai||97143285332||Dental Services|
|Dr Joy Dental Clinic||Dental Clinic||Dubai||Dr. Joy Pediatric & Orthodontic Center||Villa No 1041 - Al Wasl Rd - Dubai||97143285332||Dental Services|
|Dr Joy Dental Clinic||Dental Clinic||Dubai||Dr. Joy Dental Clinic - Palm Jumeirah||Building No 7, Golden Mile Palm - Jumeirah - Dubai||97180037569||Dental Services|
|Dr Joy Dental Clinic||Dental Clinic||Dubai||Dr. Joy Dental Clinic BurJuman Dubai||BurJuman Business Tower, 10th Floor, Office 1003 - Dubai||97143555357||Dental Services|
|Dr Joy Dental Clinic||Dental Clinic||Dubai||Dr. Joy Dental Clinic Mirdif Dubai||G Floor,Central Mall - 15th St - Dubai||97142845722||Dental Services|
|Dr Joy Dental Clinic||Dental Clinic||Dubai||Dr. Joy Dental Clinic||Unit 13 & 14 Souq Extra - Dubai Silicon Oasis - Dubai||97143201307||Dental Services|
|7 Dental Centre||Dental Clinic||Dubai||7 dental centre||508A Jumeirah St, Jumeirah, Dubai, United Arab Emirates||43952177||Dental Services|
|Kings Dental Clinic||Dental Clinic||Dubai||Kings Dental Clinic||20 B Street Ground Floor, Hamdan Juma Building, Near Karama Bus Station, Al Karama, Dubai||585681943, 0585226900, 0522411492, 043984445||Dental Services|
|Micris Dental Clinic||Dental Clinic||Dubai||Micris Dental Clinic||Villa 108, Jumeirah Beach Road Dubai, United Arab Emirates||97143300441||Dental Services|
|Smile Dental Clinic Dubai||Dental Clinic||Dubai||Smile Dental Clinic Dubai||Room No: 314 Al Attar Shopping Mall Next to Karama Center,Al Karama, Dubai||97142979464 , 971564848613||Dental Services|
|Noa Dental Clinic||Dental Clinic||Dubai||Noa Dental Clinic||Unit 109, Al Hana Centre, Mankhool Road, Near to Trade Centre Roundabout, and adjacent to Chelsea Plaza Hotel, Al Jafiliya, Duba||97143987075||Dental Services|
|Go Dental Clinic||Dental Clinic||Dubai||Go Dental Clinic||Al Attar Centre, Block A, 3rd Floor Office Number 315, Karama, Dubai, U.A.E||97143979522||Dental Services|
|Jumeirah Dental Clinic||Dental Clinic||Dubai||Jumeirah Dental Clinic||1st Floor, Magrudy's Centre, Jumeirah Road (JUMEIRAH 1), Dubai, U.A.E||43494880||Dental Services|
|Liberty Dental Clinic||Dental Clinic||Dubai||Liberty Dental Clinic||Dubai Branch- Villa # 474, Jumeirah Beach Road, Jumeirah 3, Abu Dhabi Branch- Villa #B36, Marina Village||Dubai- +97143955009, Abu Dhabi- +97126666820||Dental Services|
|Provet Veterinary Clinic||veterinary clinic||Dubai||Provet Veterinary Clinic||Provet Veterinary Clinic, P.O. Box: 99968 Dubai – UAE||97142662554||Veterinary|
|Vienna Veterinary Clinic||veterinary clinic||Dubai||Vienna Veterinary Clinic||Villa 55 Al Thanya St. UMM Suqeim, Dubai, UAE||97143308555||Veterinary|
|Al Barsha Veterinary Clinic||veterinary clinic||Dubai||Al Barsha Veterinary Clinic||Al Barsha Veterinary Clinic, Al Barsha 1, Dubai, UAE||043408601||Veterinary|
|Deira Veterinary Clinic||veterinary clinic||Dubai||Deira Veterinary Clinic||Al Qusais Industrial Area - Al Qusais Industrial Area 5 - Dubai - United Arab Emirates||04-2581881 / 04-2581882||Veterinary|
|Al Zahra Hospital||Oncology Hospitals||Dubai||Al Zahra Hospital||Sheikh Zayed Rd - Al Barsha - Al Barsha 1 - Dubai - United Arab Emirates||97143786666||Oncology|
|Canadian Specialist Hospital, Dubai||Oncology Hospitals||Dubai||Canadian Specialist Hospital, Dubai||Behind Ministry of Environment and Water - Abu Hail - Dubai - United Arab Emirates||97147072222||Oncology|
|Aster Hospital UAE||Oncology Hospitals||Dubai||Aster Hospital UAE||Near Sharaf DG - Mankhool, Kuwait Road, Al Mankhool - Dubai - United Arab Emirates||971 4 440 0500||Oncology|
|Zulekha Hospital Dubai||Oncology Hospitals||Dubai||Zulekha Hospital Dubai||P.O.Box 48577 Doha Street, Al Nadha 2, Al Qusais, Dubai, U.A.E.||-||Multispeciality|
|Burjeel Medical City||Oncology Hospitals||Dubai||Burjeel Medical City||P.O. Box: 92510, 28th Street Mohamed Bin Zayed City, Abu Dhabi, UAE||80023||Multispeciality|
|Requirements||Medical Insurance Plans||Best Available Plan|
|Wide coverage in terms of hospital bills and surgical treatments||Insurance plans with a wide network of hospitals and clinics and cashless claim facility|
|A fixed daily reimbursement amount for as long as you are hospitalized||Hospital Cash Plan|
|Pre-existing or critical illness and conditions||Long term insurance plans and critical illness plans|
|Accidental injuries and treatment coverage||Accidental Coverage Plans|
|Coverage for normal and cesarean delivery and further care||Maternity special plans or long-term/short-term plans with maternity add-on|
|Wide coverage for every member of your family||Family health insurance plans|
|Special cover catered to senior citizens||Senior citizen health insurance plans|
Providing you with the best health insurance companies in Dubai & UAE, PolicyBazaar UAE is here to help you in making sound, well-researched decisions in choosing your medical insurance cost in dubai. From maternity to dental, optical pre-existing conditions and a wide array of emergency services are covered in comprehensive insurance plans offered by insurance companies in the UAE.
|Top Health Insurance Companies in UAE|
|Orient Insurance||Clinics: 5400+|
|Al Sagr||Clinics: 3500+|
|Takaful Emarat||Clinics: 4000+|
|Noor Takaful||Clinics: 400+|
(Information is subject to change as per the medical insurance provider’s discretion.)
Top Network Hospital List
|DNIRC Insurance Network hospital||Orient Insurance Network hospital|
|Alliance Insurance Network hospital||Union Network hospital|
|Takaful-Emarat Insurance Network hospital||Al-Sagr Insurance Network hospital|
|AXA Insurance Network hospital||ADNIC Insurance Network hospital|
|Adamjee Insurance Network hospital||Daman Insurance Network hospital|
Medical insurance policies in the UAE strictly adhere to an inclusions list, which sets forth the exact extent of medical cover that a policyholder is eligible for. While inclusions vary from one medical insurance in UAE to the next, the services listed below can be found even in the cheapest health insurance Dubai
An exclusions list is a collection of the various medical services and treatments that are not offered as part of a health insurance plan in the UAE. Following are some of the most common insurance exclusions:
Eligibility criteria for medical insurance UAE may vary depending upon the plan opted for. However, as a thumb rule, every national and UAE resident is eligible to have best health insurance Dubai Cost. There are plans that are offered to a specific group of people as dedicated demographic for example senior citizen insurance plans, family medical insurance in Dubai, group medical insurance plans for employees, medical insurance plans for nationals and ex-pats, etc. Any resident or national is eligible for basic online health insurance UAE if they are able to submit all the required documents and meet the individual criteria set by the insurance firms.
Here is a list of general eligibility criteria to get best health insurance in Dubai:
|Top 10 Medical Insurance Companies in UAE|
|1. AXA Gulf Insurance|
|2. Abu Dhabi National Insurance Company|
|3. Emirates Insurance Company|
|4. Ras Al Khaimah National Insurance|
|5. Dubai Islamic Insurance & Reinsurance Company|
|6. Oman Insurance Company|
|7. Daman Health Insurance|
|8. MetLife Health Insurance|
|9. Adamjee Health Insurance|
|10. Orient Health Insurance|
The insurance market in the UAE is extremely diverse and full of options in terms of plans and providers. Very often this abundance and variety in options lead to confusion while choosing the best medical insurance in dubai for the buyer and his/her family. As a customer, the best way is to compare health insurance dubai cost to find a plan that fits into the budget and fulfils all the needs amongst the ocean of choices. This approach is analytical and allows users to filter plans that offer features and benefits needed by them and at the same time do not burns a hole in their wallet.
The buyers can follow a simple process to compare online best medical insurance in UAE or Dubai. Here’s a quick rundown-
Step #1: Look for plans offering the coverage needed by them within the right price bracket.
Step #2: Shortlist plans from the list based on medical insurance price comparison and unique features and benefits offered by the plan.
Step #3: Lay emphasis on the inclusions, exclusions, and customer reviews of the plan.
Step #4: Take a look at the claim settlement ratio of the provider while comparing different online health insurance plans.
|Oman Health Insurance Contact Number|
|Sehteq Health Insurance Contact Number|
|SALAMA Health Insurance Contact Number|
|Daman Health Insurance Contact Number|
|MetLife Health Insurance Contact Number|
|Union Health Insurance Contact Number|
There are several factors that affect the dubai health insurance cost. Some of them are as follows:
The term “network hospitals” makes a very frequent appearance when it comes to insurance plans that the top insurance companies in UAE offer. This term specifies a group of hospitals and medical facilities with which your insurance company has a tie-up. These hospitals and health agencies/labs play an important role when it comes to the claim-settlement of best medical insurance uae cost. There are two basic ways that you can make insurance claim in the UAE which are explained as follows:
This particular criterion specifies the claim that have been made for the services and treatments availed from the hospitals and clinics that have a tie-up with your insurance company and hence are a part of the “network”. The policyholders are free to avail of health treatments, tests, and services specified in their insurance plan free of cost as long as they are from this network of hospitals and the specified limit of the policy. The treatment in these hospitals is eligible for cashless claims.
The hospitals that do not have a direct tie-up with your insurance provider will be categorized as the “outside of hospital network”. Policyholders have to pay for all the treatments, consultation, tests, and other services that they avail from this group of hospitals and clinics. However, they can make a reimbursement claim for these services and treatment later using the claim reimbursement form. Please keep in mind that reimbursement claims are subject to various conditions and terms as well as the eligibility criteria of the policy.
|Health Insurance Claim Form|
|AXA Health Insurance Claim Form||oriental health insurance Claim Form||Noor Takaful Health Insurance Claim Form|
|ADNIC Health Insurance Claim Form||Daman Health Insurance Claim Form||RAK Health Insurance Claim Form|
Claim reimbursement is a rather easy and smooth-flowing process. You will require to prepare a set of documents and follow through with the submission process to get approval. Following are the documents that are required for insurance claim reimbursement process:
Additional Documents that you may require:
Just like patients are advised to share every detail of their medical history honestly with their doctor for the most accurate diagnosis, so too are health insurance policyholders requested to accurately share details of their pre-existing conditions for the most ideal coverage. Moreover, discrepancies in the insurance policy can result in the plan being voided by the insurance provider.
Yes. Many best medical insurance in UAE offer a grace period, during which customers may cancel their policy and receive their medical insurance premium back in full. Full reimbursements are only valid for policyholders that have not made any claims.
The scope of coverage is the geographical boundary within which the benefits of a insurance policy are applicable. For example, best medical insurance in UAE with a scope defined as ‘Within the UAE’ will only reimburse policyholders for medical treatments in the UAE.
Undeniably, family plans offer some of the best benefits and at the most affordable rates, making them one of the cheapest health insurance in UAE. However, even family medical insurance plans come with their own restrictions, such as a maximum number of dependents and other such conditions. It is recommended that applicants spend some time going over the various inclusions and exclusions when comparing insurance in the UAE.
As medical care advances and treatments increase, the cost of health insurance in UAE also increases. The purpose of insurance is to protect you and your family financially in the event of an unexpected serious illness or injury that could be very expensive.
You need medical insurance in dubaibecause you cannot predict what your medical bills will be. In some years, your costs may be low. In other years, you may have very high medical expenses. If you have insurance, you will have peace of mind in knowing that you are protected from most of these costs.
Health insurance generally covers the cost of doctors or emergency room visits, medicines, laboratory & other diagnostic tests for medical conditions other than specific exclusions.
Depending on the type of insurance coverage you have, you may need to pay a portion of the expenses in addition to the premium you pay for general coverage. You can also purchase extra coverage that includes services that are generally not provided such as services for dental treatments/optical care/vaccinations/ international cover etc.
Yes, they are options available depending on the plan you select and you also check the travel insurance plan for traveling abroad. But not on the basic medical insurance plans in Dubai.
A deductible is the amount the insured has to pay the deductible is a fixed amount or percentage of expenses that must be paid by the insured before an insurer will pay any medical expenses.
The higher the deductible, the lower the premium you pay. This is an advantage for employers to provide insurance to their employees in a cost-efficient way.
The insurer would pay the amount over and above the deductible. So you should check the possibilities of deductibles if it is within your budget to pay for minor ailments out of your pocket as it could substantially lower your annual premium.
The coinsurance/co-pay is any amount specified that should be paid by the insured directly to the health care provider on all covered /eligible medical services rendered.
In this case, 20% of the total expenses rendered have to be borne by the insured. Coinsurance helps reduce the policy premium to be paid.
For individual policies, if it is a first-time applicant (new to Dubai), there is a cooling (no claim allowed) period of the first 6 months of the policy. After 6 months, the customer is allowed to claim for pre-existing & chronic conditions treatment.
“HOWEVER, the customers need to declare the condition before policy issuance to be eligible”. The premium is affected based on the conditions.
For individual policies, if it is a renewal applicant (new to Dubai), there is no cooling period, the customer is allowed to claim for pre-existing & chronic conditions treatment.
“HOWEVER, the customers need to declare the condition during policy issuance renewal to be eligible”. The premium is affected based on the conditions.
All basic health insurance policies in Dubai (Orient / Sehteq / Takaful Emarat) nowadays are linked to your emirates ID. Just show your Emirates ID at the participating provider.
If that does not work, the expenses incurred in this case shall be on a reimbursement basis subject to policy terms & conditions. The member shall pay cash for medical treatment /services and medications and submit the original invoices and completed reimbursements claim form from the treating doctor with supplementary documents.
No, they are leading Third Party Administrators in the UAE who works closely with insurance companies and provide administrative, network and claims management support.
It depends on the scope of your policy. You have to pay the charges in full and file a reimbursement claim for eligible expenses. Check your contract if it allows for reimbursement.
The basic does not allow on reimbursement basis but makes few exceptions on a case to case basis.
Maternity cover is available for all married females for Dubai residents. Pre-natal visits up to 8 times are available and child delivery is offered with a minimum benefit of 7,000 AED. As such, you can expect to pay more if you are a married female as this benefit will be included in the policy. However, do check your policy for the cooling period before you can avail of this benefit.
Optical and Dental care is not available in the minimum insurance policy unless it’s for immediate treatment for emergency cases. If you get a more comprehensive cover, then you can expect more coverage such as routine services and tooth fillings.
Well, you can make any number of claims during the policy period but note that the sum insured is the highest limit under the insurance policy.
Well, the majority of the health insurance companies in UAE provide loyalty benefits under which they tend to provide discounts upon the renewal of the policy from the same insurer.
The exclusions of the 2nd & 4th year are ailments or diseases that have a waiting period.
Health insurance companies in Dubai health insurance cost plans for individuals and families. The average cost of individual health insurance plans in Dubai is around AED 5,500 per year. However, the average medical cost for a family of four is around AED 17,000.
Most health insurance companies offer customised uae health insurance cost plans based on the needs of their customers. Make sure you analyse all your medical needs first and opt for a health insurance plan that’s in line with your needs and budgets. Following are some of the best health insurance companies in Dubai:
You can buy health insurance using online and offline means in the UAE. Here are a few simple steps to purchase your chosen uae health insurance cost plan:
As per the Health Insurance Law of Dubai, it is mandatory for all the residents to have a basic coverage health insurance plan meeting the minimum insurance benefits stated by the Dubai Health Authority. All the employers in Dubai are obliged to provide a basic uae health insurance cost plan to their employees. The same is applicable to individual earning members, they are to provide insurance to their dependant family members.
Health insurance companies in Dubai offer two types of health insurance claims – cashless and reimbursement. With cashless claims, you can simply visit one of the network hospitals and show your insurance card for quick and hassle-free bill payments. On the other hand, if you are visiting a non-network hospital, you need to make the payments first and get it reimbursed later.
Yes, based on the terms stated by the Health Insurance Law of Dubai, it is mandatory for all the residents to at least have a basic health insurance coverage plan meeting the minimum insurance benefits stated by the Dubai Health Authority. All the employers in Dubai are bound to provide a basic health insurance plan to their employees and so are earning individuals to their dependant family members.
Dubai has one of the leading healthcare systems with a vast network of advanced medical care facilities. Most public government hospitals, including Dubai Hospital, Rashid Hospital, and Al Kuwait Hospital in Dubai, offer free emergency treatment for everyone provided they have a health card. If not, the hospital creates one for the patient.
Here is a list of insurance companies providing the best insurance plans in Dubai:
Introduced in 2014, the Essential Benefits Plan is one of the basic coverage health insurance plans for the residents of the UAE. Everyone with a monthly income of or under AED 4,000 are eligible for EBP. The basic health insurance plan covers regular illness, emergency treatment, check-up, and other routine health requirements.
Government and Public Hospitals in Dubai offer free emergency medical care for all UAE residents.
Yes, emergency medical care is free in all the government hospitals in Dubai.
Yes, as per the Health Insurance Law of Dubai, basic coverage insurance meeting the minimum insurance benefits stated by the Dubai Health Authority is mandatory for all UAE residents.
Basic medical insurance plans are insurance plans with minimal health insurance coverage that meets the coverage requirements stated by the Dubai Health Authority. These plans cover check-ups, doctors’ appointments, regular illness, emergency treatment, and other routine health requirements.
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