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

What is Health Insurance for Kids in UAE?

Health insurance for children can be included as part of a family health plan or through individual policies that cater specifically to children, known as insurance for kids.

In the UAE, health insurance for child in UAE is essential due to the high cost and standards of healthcare.

Most insurers provide a comprehensive range of benefits, which includes cover for

Hospitalisation
Emergency treatments
Daycare procedures
Vaccinations and more
Some plans also cover dental care and critical illnesses as optional add-ons

It’s generally common for Medical insurance plans to allow the inclusion of up to two dependent children, with the option to add more for an additional cost.

An Overview of Health Insurance for Kids

Here's an overview of the key aspects of health insurance for child in the UAE —

Aspect	Key Details
Medical Insurance for Child in UAE Price	AED 72 per month*
Minimum Entry Age	0 years
Key Inclusions	Hospitalisation, emergency services, vaccinations, outpatient benefits, and more
Who Can Buy	Any parent or guardian residing in the UAE — some plans may also be purchased by sponsors or employers
Renewability	Most plans offer lifelong renewability. Dependent coverage may extend up to age 18 or 26 as per the plan.
Types of Claims	Both cashless and reimbursement claims
Eligibility	All children residing in the UAE are eligible, with specific provisions for dependents in family plans

*The premium is calculated for a 2-year-old girl, whose sponsor's salary ranges from AED 6000 to 7000, who is Emirati and resides in Dubai. The actual price in each case may vary.

Price of Medical Insurance for Dependents in UAE

The following table presents the dependent age and the price of minimum medical insurance for various categories of dependents in the UAE.

Dependent	Age	Price of Minimum Medical Insurance
For Kids	From 0 -30 Years	AED 872 yearly
For Female Spouse Dependent	From 18- 45 Years	AED 2062 Yearly
For Elderly Dependents	Above 60 Years	AED 2062 Yearly

Medical insurance for child in UAE price starts from AED 872 yearly or AED 72 monthly.
Medical insurance for female spouse dependent in UAE price starts from AED 2062 yearly.
Medical insurance for elderly dependents in UAE price starts from AED 2062 yearly.

Why Should You Buy Health Insurance for Child?

Given below are some reasons explaining why you should buy medical insurance for child in UAE —

Rising Medical Expenses: In the UAE, the cost of healthcare is escalating rapidly. By investing in medical insurance for child in UAE, you can be prepared for any unexpected medical expenses without a significant financial burden. This coverage helps you manage costs related to hospital visits, treatments, and emergency medical care.
Lifelong Health Advantages: Early investment in health insurance for your child can provide them with benefits that extend into adulthood. Consistent access to healthcare throughout their developmental years ensures they maintain optimal health, which can influence their well-being into adulthood.
Access to Quality Healthcare: With the right insurance for kids, you can have access to top healthcare facilities. This means your child can receive treatment from well-qualified professionals and state-of-the-art hospitals.
Injury Vulnerability: Children are naturally curious and active, which increases their risk of injuries. Health insurance for child in UAE covers the costs of treatment for any injuries they might sustain, whether from a simple fall or accident.
Increased Exposure to Risks: Children, especially those attending school or involved in outdoor activities, are exposed to various risks. Health insurance helps cover treatments for these exposures and gives them access to proper medical attention.
Natural Weak Immunity: Young children have developing immune systems, which makes them more susceptible to infections and illnesses compared to adults. With the best insurance for child in UAE, your kid can get necessary immunisations, regular check-ups, and treatments.

Types of Medical Insurance for Kids

There are generally 3 routes to secure health insurance for your child in the UAE. Each type offers different benefits and coverage specifics —

Individual Health Insurance: With individual health insurance for kids, you can sponsor an individual policy specifically for your child. This is particularly useful if you want a plan tailored to your child's specific health needs without tying it to a broader family or group policy. Coverage levels and costs can be adjusted based on the child's needs, flexibility and potentially comprehensive coverage.
Family Health Insurance: Family plans are common and economical if you have multiple dependents. Generally, such plans automatically cover two dependents, and more can be added for an additional cost. This setup simplifies managing healthcare as it covers multiple family members under one policy and makes the renewal and claim process easy.
Group Health Insurance: Often provided by employers, group health insurance can include coverage for dependents. However, keep in mind that the extent of this coverage might be limited compared to individual or family plans. Given the potential limitations, it may be advisable to get separate medical insurance for child in UAE for sufficient coverage for all possible health needs and scenarios.

Eligibility Criteria for Health Insurance for Kids

The eligibility criteria for medical insurance for child in UAE are well-defined and designed to provide comprehensive coverage from birth —

Coverage from Birth: From the moment a child is born, they can be included in their parent’s health insurance plan. In the UAE, it is common practice for newborns to be automatically covered by the mother’s maternity plan for the first 30 days after birth. After this period, parents need to include the child in a family or individual health plan.
Dependent Coverage: Children can be registered as dependents on their parent’s health insurance policy. Most individual health insurance plans provide coverage until the age of 26. Note that group health insurance policies provided by employers generally cover dependent children until they reach 18 years of age.
Enrolment Conditions: For family health insurance plans, children, once added as dependents, receive the same benefits as other members of the family under the plan. For individual plans specifically for children, the benefits are similar but focused on paediatric needs.
Regulatory Norms: In regions like Abu Dhabi and Dubai, specific regulatory guidelines mandate that employers provide at least basic health insurance coverage not just for employees but also for their dependents, including children. However, the exact nature of the coverage can vary based on the employer’s policy and the insurance provider.

Features and Benefits of Health Insurance for Kids

Health insurance for kids provides extensive coverage, which makes it an essential tool for managing your child's health needs. Listed below are some inclusions and coverages provided by medical insurance for kids in UAE —

Coverage for Emergency Treatments: In cases of accidents or sudden illnesses, your child can receive immediate medical attention without worrying about the financial impact. This includes access to emergency rooms, urgent medical procedures, and necessary surgeries.
Co-Payment Options: Co-payments are a feature where you pay a part of the medical costs out of pocket, which helps keep the premium costs lower. This shared expense model can make more comprehensive health insurance for kids more affordable while still providing good coverage.
Broad Geographical Coverage: Many policies offer coverage that is not just limited to the UAE but extends globally. This is particularly useful if you travel frequently or your child needs specialised treatment abroad.
Outpatient Services: Outpatient coverage includes doctor's visits, specialist consultations, and some procedures that don’t require hospital admission. This is crucial for ongoing health management, including regular check-ups and follow-up visits.
Coverage for Essential Vaccinations and Inoculations: Keeping up with your child's vaccination schedule is important for preventing diseases. Health insurance covers the cost of essential vaccinations and inoculations — this keeps your child healthy and protected against common diseases.
Telehealth Services: With the advancement in medical technology, many insurers now include telehealth services. This allows for remote consultations with healthcare professionals, which is especially useful for minor ailments or ongoing monitoring without the need for a physical visit to a clinic.

It is important to note that the above list includes general inclusions — depending on the policy and insurer, the coverage may differ. Always review the specific terms and conditions of your policy for medical insurance for kids to understand what is exactly covered.

Common Exclusions in Medical Insurance for Child in UAE

When choosing the best insurance for child in UAE, it's important to be aware of the exclusions that might affect the scope of coverage.

Here are some common exclusions found in health insurance for kids —

Pre-existing Conditions: Treatments for pre-existing conditions are usually not covered initially under new policies. The coverage might only begin after a waiting period, if at all.
Non-medical Items: Expenses for items that are not medically necessary, such as personal comfort items (e.g., beauty services, guest services) or over-the-counter drugs, are generally not covered.
Cosmetic Procedures: Any treatment or surgery that is cosmetic in nature, unless it's necessary for medical rehabilitation or due to an accident, is excluded.
Routine Dental and Vision Care: Most basic plans don’t cover routine dental treatments or vision care unless specified as an emergency or included in a more comprehensive plan.
Certain Types of Specialised Care: Treatments like acupuncture, homeopathy, and other alternative therapies are usually not covered.
Lifestyle and Congenital Issues: Treatments related to lifestyle choices, such as obesity, or congenital issues are often excluded from basic coverage plans.

Which are the Top Health Insurance Plans for Kids in UAE?

Let’s look at some of the best health insurance plans for kids in UAE —

Name of the Health Insurance Plan for Child in UAE	Medical Cover	Key Inclusions	Pharmacy Limit
D-Med (HSB) by Orient Insurance	AED 150,000	Maternity cover Emergency treatments Ambulance service Physiotherapy treatments Diagnostics	Up to AED 1,500
Ecare Blue by Dubai Insurance	AED 1,000,000	Chronic conditions Newborn cover Alternative medicines Hearing and vision aid (in emergencies)	Up to AED 5,000
Safe by Sukoon Insurance	AED 150,000	Maternity cover Diagnostic investigations Daycare treatment Accommodation costs for one parent	Up to the Medical Cover
Ecare Blue by Takaful Emarat	AED 150,000	Pre-existing and chronic conditions Vaccination for children Preventive services Repatriation of mortal remains to home country	Up to AED 6,500
Dependent Enhanced 1 by Watania Takaful	AED 150,000	Emergency treatments Prescribed medicines and drugs Oncology Laboratory tests services Second medical opinion	Up to AED 1,500

How to Buy the Best Medical Insurance for Kids in UAE?

When looking to purchase medical insurance for kids in the UAE, your go-to platform for the same is Policybazaar.ae.

Known for its comprehensive coverage options and user-friendly interface, Policybazaar.ae presents the easiest way to compare and buy health insurance that is tailored to the needs of children.

Policybazaar UAE is known for its detailed breakdowns of policy features, benefits, and transparent pricing. Additionally, the platform offers excellent customer support to assist with queries and claims.

Steps to Apply for Medical Insurance for Kids via Policybazaar.ae —

Visit the Official Policybazaar.ae Website
Go to the Health Insurance Section
Choose the Type of Health Insurance: For family health insurance including children, click on ‘family with self’.

If you’re looking for individual health insurance for a child, select ‘family without self’.

Fill Out the Lead Form: This will give you insurance options as per your needs.
Comparison and Selection: You will be redirected to the health insurance quotes page where you can compare various plans from different insurers. You can compare features, coverage, and premiums to find the best plan as per your specific requirements.

How to Choose the Right Health Insurance Plans for Kids?

When choosing the right health insurance plan for kids, you should consider some important points —

The policy should provide a sufficient sum insured to cover all potential healthcare expenses for your child. This can help you avoid out-of-pocket costs.
Choose a policy that includes newborn baby cover since infants are highly susceptible to infections and the impacts of sudden environmental changes.
The policy should include the addition of extra coverage through add-ons, which can enhance protection based on your child’s specific health needs.
Review the exclusions of the policy carefully to cover all the healthcare services you consider essential for your child.
Read all terms and conditions of the policy before finalising the purchase. It will help you understand coverage details, the claim process, limitations, and any waiting periods involved.
Check the network of hospitals and clinics included in the policy to get access to paediatric care facilities that meet your standards.
Compare different insurance plans and providers to find the best value and coverage. You should also look at the customer reviews and ratings to assess the insurer's service quality and claim settlement efficiency.

Important Articles Related Health Insurance
How to Check Medical Insurance Status with Emirates ID	Monkeypox Virus UAE: Causes, Symptoms & Treatment
A to Z of Getting a Health Card in UAE	Can You Buy Health Insurance for New Born Baby in UAE?
Where Can I Get Medical Help Without Having Health Insurance?	Health Insurance for Dependents in Dubai
5 Best Health Insurance Plans in UAE for 2024	Is IVF covered by Health Insurance
How to File a Medical Complaint in the UAE?	How to Renew Daman Health Insurance Online?
Health Insurance Claim Settlement	Delmicron – What is it and How is it Different from Omicron?
Dos and Don’ts of recovering from COVID-19	Free Annual Health Check-up - What is it and How you can get one?

Frequently Asked Questions (FAQs)

In the UAE, health insurance coverage for a child can start from birth. Parents can add their newborn to their health insurance plan almost immediately after birth, often covered under the mother's insurance for the first 30 days.

Yes, you can opt for individual health insurance plans in the UAE. These plans cover just the child and provide similar benefits to family health insurance plans.

You should look for coverage that includes vaccinations, regular paediatric visits, and emergency healthcare needs. Make sure the plan covers pre-existing conditions (if applicable) and check for any exclusions that might affect your child's care.

Yes, in many emirates like Dubai and Abu Dhabi, it is mandatory to provide health insurance for your dependents, including children. The coverage must at least meet the basic health insurance policy standards set by the government.

Failing to renew your child’s health insurance on time can lead to a lapse in coverage. In this case, any medical costs incurred during the lapse will have to be paid out of pocket. Additionally, there might be penalties for failing to maintain continuous health insurance coverage.