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A health insurance policy is a type of insurance that provides financial coverage for surgical and medical expenses when the insured is hospitalized. A health insurance plan is indeed the safest and most secure way to give financial coverage to the policyholder’s family.
An apt medical insurance policy 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. All the medical expenses that are incurred are either paid to the health care provider directly or the health insurance company reimbursed to the policyholder.
With world-class technologies, medical care facilities, 4 major government hospitals with emergency services, and state-of-the-art medical equipment, healthcare in UAE are easily one of the best ones available globally. Healthcare in Dubai and the UAE is regulated and administered at the Federal as well as Emirates level, separately. Combine this with the comprehensive set-up of health insurance in UAE offered by the top medical insurance providers in the country and you will have yourself an unmatched heath protection.
Here is a comprehensive list of top health insurance plans in Dubai, UAE for May 2021:
|Plan Name||Medical Cover (AED)||Pharmacy Limit||Price|
|Noor Takaful - EBP||1,50,000||Upto AED 1,500|
|Sehteq - Executive||1,50,000||Upto AED 1,500|
|Orient Insurance - IMed||1,50,000||Upto AED 1,500|
|DNIRC - Silk Road||10,00,000||Upto Medical Cover|
|Takaful Emarat - Rhodium||10,00,000||Upto AED 15,000|
|Watania - Gold - Family Care||10,00,000||Upto Medical Cover|
|Alliance - Universal||5,00,000||Upto AED 7,500|
|See More Plans >>>|
Having health insurance in the 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. The UAE medical insurance prices are exorbitant but the care provided is the best in the world. The family medical insurance cost in Dubai especially is quite expensive in comparison to the other Emirates.
Even though the UAE medical insurance prices make it the 7th most costly nation in the world but there is a reason to why it ranks as the top medical tourism center in the world.
The different features and benefits of medical insurance in Dubai and across the UAE are listed as follows:
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 medical insurance plans are offered by health 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 medical insurance UAE cost, family health insurance plans are the perfect blend of affordability and wider coverage. Instead of purchasing separate medical insurance 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 health 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 shared by all the family members that are included in the policy.
Such type of health insurance plans are specifically designed for anyone who is 60 years old & above. Senior citizen medical insurance plans typically come with discounted premium costs. Although only a few health 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 health plans for young individuals because senior citizens are more prone to illnesses and health diseases.
These types of health insurance plans are typically provided by employers. Plus, they are created to include & exclude employees as they join & leave the organization. Group health insurance plans are usually low in premium because of the low risks involved.
Usually seen in government medical insurance companies in Dubai and other emirates, certain health insurance providers offer slightly better benefits to UAE nationals. This type of medical insurance plan carries different benefits for expatriates and different for UAE nationals.
It may seem like a confusing task at first but choosing health insurance in Dubai for yourself is not all that difficult. All need is a clear understanding of your requirements and the insurance value that you would like to aim for and you can find the best insurance plan for yourself in a matter of minutes. Medical insurance in UAE is quite extensive and offers a multitude of services. Here is a criteria table to help you choose the right plan as per the services you need:
|Requirements||Health Insurance Plans|
|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 plans. From maternity to dental, optical pre-existing conditions and a wide array of emergency services are covered in comprehensive insurance plans offered by health insurance companies here in the UAE. Following is a quick rundown of all the key features, inclusions, and exclusions of the top medical insurance companies in UAE so that you can make an informed decision:
(Updated: May 2021. Information is subject to change as per the medical insurance provider’s discretion.)
There are several factors that affect the cost of health premiums. Some of them are as follows:
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 health insurance plan for the buyer and his/her family. As a customer, the best way is to compare health insurance in the UAE to find a plan that fits into the budget and fulfills 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.
When a buyer compares medical insurance online in Dubai or UAE, they can follow a simple process, 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 health insurance.
Some of the major benefits of buying medical insurance online are as follows-
Simple and Easy: Comparing health insurance policies online is an easy process, willing buyers can simply do it by surfing the internet or by using web aggregators.
Save Time and Money: Comparing health insurance policies online not only saves time but also loads of capital. You don’t have to fill forms, talk to agents as happens in the case of offline purchases. Moreover, comparing and buying medical insurance online provides a plethora of offers and discounts that would help you save money.
Variety: When a buyer purchases health insurance online there are numerous choices and options that allow buyers to explore and choose the right plan that fits that budget and fulfills their needs.
Free Quotes: Almost every web aggregator online offers free quotes calculated via a premium calculator that provides an assessment of the coverage you need. It is free of cost and crucial in your journey to purchasing health insurance.
Customer Service: Insurance companies offer online customer service to their customers that has a better reach and response in comparison to conventional methods of customer assistance and service which turns out to be an add on advantage.
Step #1 Enter Your Details: Enter your basic details in the online form. Tell us who you’d like to buy health insurance online for and click ‘continue’ to proceed.
Step #2 Compare Health Insurance: Get customized quotes according to your details and choose an insurance plan after you compare health insurance plans.
Step #3 Pay Online: Select a preferred tenure of your chosen plan and buy health insurance online by filling in your payment details. Click pay and you are insured!
Health 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 health insurance company in Dubai to the next, the services listed below can be found even in the cheapest health insurance in 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 medical insurance exclusions:
Eligibility criteria for health insurance may vary depending upon the plan opted for. However, as a thumb rule, every national and UAE resident is eligible to have health insurance in Dubai. There are plans that are offered to a specific group of people as dedicated demographic for example senior citizen health insurance plans, family medical insurance in Dubai, group medical insurance plans for employees, health insurance plans for nationals and ex-pats, etc. Any resident or national is eligible for basic health insurance in 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 health insurance in Dubai:
The term “network hospitals” makes a very frequent appearance when it comes to health insurance plans that the top insurance companies in the 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 health insurance in UAE. There are two basic ways that you can make health insurance claims in the UAE which are explained as follows:
This particular criterion specifies the claims 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.
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 health insurance claim reimbursement process:
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 medical insurance policy can result in the plan being voided by the insurance provider.
Yes. Many health insurance companies in the 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 health insurance policy are applicable. For example, health insurance in the 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 the UAE. However, even family health 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 health insurance in the UAE.
As medical care advances and treatments increase, health care costs also increase. The purpose of health 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 health insurance because 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 health 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 that 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 cover 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. But not on Basic plan.
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 the employers to provide health 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 you budget to pay for minor ailments out of your pocket as it could substantially lower your annual premium.
The coinsurance/copay 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 has 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 policies (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 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 this benefit.
Optical and Dental care are not available in the minimum health insurance policy unless it’s for an 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 medical insurance policy.
Well, the majority of the health insurance companies in UAE provide loyalty benefit under which they tend to provide discount 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.
Yes, you can opt for more than one health insurance plan from the different health insurance companies in Dubai and across the UAE.