SALAMA Health Insurance Plans

SALAMA, listed on the Dubai Financial Market (FM), is a renowned Shari’ah-compliant insurance solution provider in the UAE. Founded in 1979, this insurance company has successfully delivered innovative and comprehensive insurance solutions across the region. The health insurance plans offered by SALAMA are among the most trusted health policies for individuals and families alike in the UAE. more

AED 1 million Health cover starting @4/Day
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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.

With SALAMA health insurance, you can enjoy peace owing to its plans’ broad coverage, excellent assistance, and more. From flexible plans to benefiting add-ons, you can expect good coverage with SALAMA health insurance policies.

Keep reading below to find out more about the top SALAMA health insurance policies and their key features, details, and more.

List of SALAMA Health Insurance Plans

SALAMA health insurance is available across two plans, i.e., Essential Benefits Plan (EBP) and Enhanced Benefits Plan. Both plans hold unique features and coverages.

Check out the table below for a standard comparison of these plans -

Name of Plan Features
Essential Benefits Plan (EBP)
  • Valid for Dubai residents with a monthly salary of less than AED 4,000
  • Covers immediate family, and domestic helpers
  • Supports low-income individuals and families
Enhanced Benefits Plans
  • Offers enhanced healthcare coverage for individuals and families.
  • One can choose from a wide range of coverage plans – Silk Road, Silver Classic, Silver Premium, Gold, and Green 

Benefits of Choosing SALAMA Health Insurance

When you opt for SALAMA health insurance, you can expect the following benefits -

  • Direct billing network - SALAMA health insurance has a direct billing network of more than 900 providers. All these providers are within the UAE and offer a hassle-free billing experience to individuals and families.
  • Emergency assistance around the world - Another benefit of SALAMA health insurance is that it offers international coverage and emergency assistance through an extensive network of healthcare providers worldwide, which ensures swift access to emergency medical services.
  • Flexibility in plans - SALAMA health insurance provides flexible and affordable health care plans tailored to the customers' specific needs. With these plans, you can expect numerous benefits and coverages at attractive rates.
  • Medi-claim settlement - As a policyholder, you can expect swift medi-claim settlement facilities with the health insurance plans of SALAMA, which can be quite beneficial when facing any medical emergency that requires immediate care.

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SALAMA Health Insurance Plans Inclusions

Here are the standard coverage features of SALAMA health insurance (subject to change with plans and other customisations) -

  • Worldwide coverage 
  • Direct billing and reimbursement for over 900 providers in the UAE
  • Annual limit of up to AED 1 million for medical coverage
  • Prescribed drugs and medicines covered (up to 20% co-pay)
  • Vaccination cover for children
  • Psychiatric treatment covered
  • Newborn cover
  • Coverage on all types of diagnostics - Lab tests, CT-Scan, MRI, Ultrasound, and X-ray 
  • Coverage of up to AED 150,000 for declared pre-existing and chronic conditions
  • Direct access to clinics and hospitals (outpatient and in-patient)

SALAMA Network Hospital Lists

Salama Insurance Health Insurance Network Hospitals List in Dubai
No Network Hospital is available at Dubai.

Wrapping Up

SALAMA health insurance is a trustworthy option to ensure optimal medical coverage for yourself and your family. Depending on your requirements, you can choose one of its two health insurance plans.

With both these plans, you can get excellent coverage along with flexible add-ons to ensure that you can easily get the medical treatment that you require without any delays or hassles. So if you are looking for personalised healthcare coverage in the UAE, you can certainly rely on SALAMA health insurance!

Check out some frequently asked questions related to SALAMA health insurance plans in the FAQ section next -


Q1. Does the SALAMA health insurance plan cover maternity benefits?

Ans: Yes, SALAMA health insurance has maternity benefits, which include prenatal and postnatal care, delivery, miscarriage, and other maternity complications.

Q2. Is SALAMA health insurance flexible for unique requirements?

Ans: Yes, you can expect flexible options with respect to annual limits, networks, and deductibles with these insurance plans.

Q3. Does SALAMA health insurance cover my already existing health conditions?

Ans: Yes, this health insurance plan provides coverage for pre-existing health conditions up to a limit of AED 150,000. Keep in mind that this coverage is available only for pre-existing conditions that were declared to the insurer at the time of application.

Q4. What additional benefits will I get if I take the comprehensive SALAMA health insurance plan?

Ans: SALAMA health insurance provides several additional benefits to the policyholder such as emergency mental health treatment, reimbursement facility, alternative medicine, dental care, flexible options for direct billing (if you avail of medical services within the provided network), and more.

Q5. Does the SALAMA health insurance plan provide global coverage?

Ans: Yes, the SALAMA health insurance plan provides coverage for any emergency medical procedure to be done internationally, with the company having tie-ups with several leading healthcare providers across the globe.

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