Can You Buy Health Insurance for New Born Baby in UAE?

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

Bringing a newborn baby into the world is a beautiful and life-changing experience. Along with the joy and excitement, however, it also brings various responsibilities, one of the most important being your baby’s health and medical care. From routine check-ups to unexpected medical emergencies, ensuring your little one is covered under a good medical insurance plan is important.

But is newborn health insurance mandatory in the UAE? When and how should you get it? To help you understand the requirements, coverage options, and everything you need to know about health insurance for your newborn, take a look at our detailed guide below.

Is Health Insurance Mandatory for Newborns in the UAE?

In the UAE, health insurance is mandatory for all residents, including newborn babies. This requirement provides access to necessary medical services to all individuals.

Coverage for Newborns

Initial Coverage: Newborns are automatically covered under their mother's health policy for the first 30 days after birth or until the mother's policy limit is reached, whichever comes first.
Post-30 Days Coverage: To maintain continuous health coverage beyond the initial 30 days, parents must either add the newborn to an existing family health insurance plan or get a separate policy for the child. It's important to arrange this coverage promptly to avoid any lapse in insurance protection.

🤔💡 Did You Know? Premiums for Infants are Determined After Underwriting

For babies under the age of one year, health insurance premiums are confirmed only after an underwriting process. The insurer assesses the baby's health condition before finalising the policy premium. So, don't be surprised if your baby's premium takes a little longer to confirm!

Why Get Health Insurance for Your Newborn?

Legal Compliance: The UAE mandates health insurance for all residents, including newborns. Failure to provide adequate coverage can result in legal penalties and fines.
Financial Protection: Medical expenses for infants can escalate rapidly, especially in cases requiring specialised care. Medical insurance mitigates these costs and offers financial security and peace of mind.
Access to Comprehensive Care: With the right health plan, your newborn will have access to a wide range of medical services, including routine check-ups, vaccinations, and emergency treatments. This helps you closely monitor their health and development.

📜⚖️ Important! DHA Has Removed Waiting Periods for Infant Health Insurance

Previously, some insurance providers in Dubai had a waiting period before newborns could access medical benefits. However, the Dubai Health Authority (DHA) has officially removed waiting periods for infant health insurance! This ensures that newborns have immediate access to medical care from birth without delays.

With that said, parents should still check with their insurers to confirm the latest updates on their policy terms. 🚑👶

Types of Health Insurance Plans for Newborns in the UAE

In the UAE, newborns can be covered under different types of health insurance plans, depending on the level of coverage and benefits parents seek.

Here are the main types of insurance plans available for newborns —

Employer-Provided Health Insurance

Coverage: Many employers in the UAE provide medical insurance that extends to employees' dependents, including newborns
Inclusions: Generally covers essential medical services such as vaccinations, doctor consultations, and hospital care
Limitations:
- Coverage may be limited to certain hospitals and clinics
- Some policies may require additional payments to include dependents

Basic Health Insurance Plans

Coverage: Designed to meet the minimum health insurance requirements set by the UAE government.
Inclusions: Covers essential healthcare needs such as vaccinations, emergency treatments, and basic outpatient consultations
Limitations: Limited hospital network, higher co-payments, and exclusions for specialised treatments

Semi-Comprehensive Health Insurance Plans

Coverage: Offers better coverage than basic plans, providing access to a wider range of medical services
Inclusions: Includes inpatient and outpatient services, vaccinations, and consultations with pediatricians
Limitations: May have some exclusions for high-cost treatments and specialist consultations

Comprehensive Health Insurance Plans

Coverage: Provides the highest level of medical coverage for newborns
Inclusions: Covers inpatient and outpatient care, vaccinations, maternity-related expenses, specialist consultations, and emergency treatments
Limitations: Higher premiums, although they provide full access to quality healthcare services

Coverage Offered in Newborn Health Insurance

Given below is an overview of the general inclusions and exclusions in newborn health insurance plans —

Common Inclusions

Inpatient and Outpatient Care: Coverage for hospital stays, surgeries, and necessary medical treatments.
Vaccinations and Immunisations: Essential vaccinations as stipulated by health authorities.
Neonatal Screening Tests: Screenings for conditions like Phenylketonuria (PKU), congenital hypothyroidism, sickle cell disease, and congenital adrenal hyperplasia
Emergency Medical Services: Access to emergency treatments and ambulance services
Specialist Consultations: Visits to pediatric specialists

Common Exclusions

Experimental Treatments: Procedures not yet approved by relevant health authorities
Cosmetic Procedures: Surgeries or treatments primarily for aesthetic purposes.
Non-Prescribed Medications: Over-the-counter drugs not prescribed by a licensed physician.
Alternative Therapies: Treatments like acupuncture or homeopathy, unless specified.

👶📜 Pro Tip! Congenital Conditions Have Limited Coverage

Many parents assume congenital conditions are fully covered, but that’s not always the case! These conditions are usually covered under the mother’s maternity plan only until the baby’s health is stabilised. After that, even if you buy a new policy for your baby, congenital conditions may not be covered under standard plans.

Top Health Insurance Plans for Newborn Baby in the UAE

Some of the top health insurance plans for newborn baby in the UAE are given in the table below —

Health Insurance Plan	Medical Cover (AED)	Pharmacy Cover (AED)
Ecare Blue - Dubai Insurance	1,000,000	Up to 5,000
Dependant Enhanced 1 - Watania Takaful	150,000	Up to 1,500
Care RN3 - HAYAH	1,000,000	Up to 5,000
D- Med (HSB) - Orient Insurance	150,000	Up to 2,500
Ecare Blue - Takaful Emarat	150,000	Up to 6,500
Safe - Sukoon Insurance	150,000	Up to the medical cover

Disclaimer: Many other health insurance plans are also available for newborns in the UAE, each offering different levels of coverage and benefits. To explore more options and find a plan that best suits your needs, visit the official website of Policybazaar UAE or reach out to them at 800 800 001 for expert guidance.

Tips for Choosing the Best Health Insurance Plan for Your Baby

Choosing the best health insurance plan for your baby provides them with the best medical care while also helping you manage your costs effectively. Here are some important tips to help you make the right choice:

👶💡 Evaluate Coverage Options: Before your baby arrives, check your current health plan to see if it covers prenatal and neonatal screenings, emergency treatments, delivery procedures, and pediatric care. Make sure the plan includes all essential services your baby may need.

💰📊 Assess Total Costs: A low monthly premium might seem attractive, but consider other costs like deductibles, copayments, and out-of-pocket expenses. Sometimes, a slightly higher premium with better coverage can be more cost-effective in the long run.

🏥🔍 Ensure Provider Network Compatibility: Check if your preferred hospitals, pediatricians, and specialists are included in the insurance provider’s network. Staying within the network helps reduce costs and offers smooth access to quality medical care.

🎉🤱 Fun Fact! Newborns Are Automatically Covered Under the Mother’s Insurance

Did you know?

For the first 30 days after birth, your newborn is automatically covered under the mother’s health insurance policy! This includes coverage for essential medical services like vaccinations, neonatal care, and emergency treatments.

However, after 30 days, parents must arrange a separate insurance plan for continued coverage for their baby. So, don’t forget to get your baby insured on time! 🍼

How to Buy Newborn Health Insurance in the UAE?

You can easily buy health insurance for your newborn through Policybazaar UAE — a trusted online platform that helps parents find the best insurance plans for their little ones.

Why Choose Policybazaar UAE?

Policybazaar.ae is your one-stop destination to compare and get insurance in the UAE, offering a hassle-free way to explore and buy health insurance plans. This site allows parents to compare different policies, understand their benefits, and choose the most suitable coverage for their newborns. The platform also provides access to top insurers, competitive prices, and expert guidance so that your baby gets the best medical care.

With a simple and user-friendly interface, Policybazaar.ae makes the process of obtaining insurance quick and convenient.

Steps to Buy Newborn Health Insurance via Policybazaar UAE

Click on the ‘Health Insurance’ Section on Policybazaar.ae: Navigate to the mentioned category to explore available plans
Fill Out the Lead Form: Enter the required details, including your baby’s information, to receive personalised insurance options.
Compare Quotes: The health insurance quotes page will appear, helping you compare plans from various insurers and choose the best one for your baby.

Frequently Asked Questions (FAQs)

When should I start looking for health insurance for my newborn?

It is best to start looking for health insurance before your baby is born. In the UAE, newborns are covered under their mother’s insurance plan for the first 30 days. After that, parents must arrange separate coverage to avoid any gaps in medical care.

What happens if I don’t get health insurance for my newborn within 30 days?

If your newborn is not insured after the first 30 days, you may have to pay out-of-pocket for medical expenses, including vaccinations and doctor visits. Additionally, health insurance is mandatory in the UAE — delays may result in fines or difficulties in accessing medical services.

What documents do I need to buy health insurance for my newborn?

The list of required documents generally includes —

Baby’s birth certificate
Emirates ID of the parents (or application receipt if still in process)
Passport copy of the baby
Visa copy of the parents (for expatriates)

Can I get insurance for my newborn if my employer doesn’t provide dependent coverage?

Yes, if your employer does not offer coverage for dependents, you can purchase a separate health insurance policy for your newborn through online platforms like Policybazaar UAE.

Is there a waiting period for newborn insurance coverage?

As per the latest updates, the Dubai Health Authority (DHA) has removed waiting periods for newborns. However, it is advisable to confirm this with your chosen insurance provider.

How much does newborn health insurance cost in the UAE?

The cost of newborn health insurance varies based on the type of plan, coverage, and insurer. Basic plans are more affordable but may have limited benefits, while comprehensive plans offer extensive coverage at a higher premium. Comparing plans on Policybazaar UAE can help you find the best option within your budget.