How Much Does Health Insurance Cost in Dubai, UAE?

Health insurance costs in Dubai and other emirates vary. The starting price of a basic plan in the UAE (if you buy via Policybazaar.ae) is AED 340 per year. Note that you should have an active plan to obtain or renew your residency visa.

UAE Medical Insurance Prices by Coverage Level

Health insurance cost in UAE depends on the coverage level you select. By comparing plans by coverage, you can understand what you would need to pay and the benefits you would receive.

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Note: A higher premium doesn’t imply better value. Compare the coverage, network, limits, deductibles, pre-existing medical conditions and out-of-pocket costs with the premium.

Disclaimer: The rates mentioned here apply to Northern Emirates. Rates for the 3 coverage levels are discussed in detail below.

Health Insurance Cost in Dubai vs Other Emirates

Health insurance prices in Dubai and other Emirates also depend on location, provider network, insurer, and level of coverage. To compare costs across different emirates, use these factors as your decision rule. That said, here’s a quick and general rate comparison.

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Note: The premium can vary for senior citizens.

Medical Insurance Cost for Different Needs

The UAE medical insurance prices vary depending on who is being insured. Factors include age, coverage requirements, number of people covered, and location.

What Affects the Cost of Health Insurance Premium in Dubai, UAE?

7 main factors affect the health insurance price in Dubai and across the UAE. A better understanding of these factors makes it easier to decide on which plan will work the best for you.

1. Age: The older you are, the higher the insurance premium. Buying a health insurance policy after, say, 40 means a higher risk of illness and disease, increasing the premium. Buy medical insurance when you’re young to keep your premium lower. After all, your chances of falling ill or being diagnosed with a critical illness are low when you’re younger.
2. Medical History: Your medical history has a major impact on the premium rate. If you have a pre-existing condition like diabetes or hypertension, your premium will be higher.
3. Lifestyle Choices: If you smoke or have a high body mass index, your health insurance premium can increase as you are prone to critical illnesses. On the contrary, if you maintain a balanced diet, work out regularly, and don’t smoke or drink, your premium may be lower.
4. Coverage Scope: The scope of coverage directly impacts your medical insurance premium. The broader the geographical limits, the higher the annual aggregate limit, and the more add-ons, the higher your premium can be.
5. Network Tier: Local-only policies cost less than plans with worldwide or regional coverage. However, the number of hospitals and clinics is restricted in a local-only network.
6. Out-of-Pocket Costs: If you pay higher out-of-pocket costs like deductibles and co-payments, your premium reduces.
7. Gender: Women usually have to pay higher premiums because of the associated health risks, especially during maternity years.

How Much Do Premiums Rise at Renewal?

Every year, health insurance premiums can rise by 5 to 10%. Those moving into a higher age bracket can face a 20 to 25% premium increase at renewal. The average increase in UAE medical insurance prices depends on your circumstances and the market.

Insurers look into:

• Overall healthcare cost trends in the UAE
• Your age
• Claims made in the last year
• Changes in coverage or benefits

Lock Your Health Insurance Price with PB Advantage Premium Lock
To protect yourself from premium rate inflation, you can lock your health insurance cost in Dubai, UAE with Policybazaar.ae’s exclusive add-on Premium Lock. Available at an additional cost, you can keep the premium the same for up to 5 consecutive years. Note: The premium remains fixed until the first hospitalization or day care surgery claim or for up to 5 years (whichever occurs earlier).

How to Calculate Health Insurance Cost in Dubai, UAE?

To estimate your premium in minutes, use a health insurance calculator. Instead of calculating the medical insurance premium manually, use the tool to check and compare plans from top insurers in the country.

All you need is:

1. Who would like to insure?
2. Insured’s age
3. Cover amount
4. City/Emirate

What Does Your Dubai Health Insurance Premium Cover?

Your Dubai health insurance premium covers inpatient and outpatient care, depending on the type of plan you buy. Here’s what all is covered.

How to Lower Your UAE Medical Insurance Costs?

You can smartly reduce your Dubai health insurance costs by managing your network tiers, increasing deductibles, and eliminating unnecessary riders. Here are some practical tips to reduce the price.

• Select the Right Network Tier: Choose regional or worldwide coverage if you need treatment outside the UAE or if your condition requires it. But if you only need treatment in the UAE, UAE-only policies are the better choice. They are more affordable than regional or worldwide coverage.
• Accept Higher Deductibles**: When you choose higher deductibles, you lower your annual premium. This is usually your out-of-pocket cost and is different from a copayment.
• Avoid Unnecessary Riders: If you don’t have any dental or vision conditions, you can avoid these riders and keep your premium low.
• Buy Your Plan Early: Premiums are low when you are young. Buying a plan early and maintaining the coverage is more affordable than waiting until late in life, like 40+, to buy the same plan at a higher premium.
• Compare Plans Before Renewing: Going through a large number of plans can be challenging. It is better to compare on comparison platforms like Policybazaar.ae, which hosts top plans from 35+ health insurers.

**Don’t focus only on reducing the premium. A higher deductible can mean higher out-of-pocket costs at the time of claim.

How Does Policybazaar.ae Make Premium Payment Easy?

Policybazaar.ae has partnered with Tabby to make your health insurance premium payment easy. You split the premium across 4 months at 0% interest and 0 processing fees.

Your policy begins immediately, with no delays and no extra paperwork. There is no minimum premium, and it works the same for a new policy or renewal.