Whether it is for a medical emergency or a routine health checkup, a health insurance policy can help you get quality medical care without having to worry about treatment costs. With a proper health or medical insurance plan in place, you can easily be covered against a variety of medical issues at affordable rates.
Another aspect of health insurance is its mandatory status, especially in the Emirates of Abu Dhabi and Dubai. As per government rules, employers have to pay for the health insurance costs of their employees. Some companies, in fact, may go beyond and include employees’ dependents as well.
However, while you can indeed have coverage with employer health insurance plans, it’s always a good idea to have a personal plan as well. This way, you can be covered properly as well as for specific requirements of yours that may not be covered in group plans.
Let’s take a look at the best health insurance plans in Abu Dhabi and understand their fundamental aspects to help you make an informed decision.
The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.
The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.
Top Health Insurance Providers in Abu Dhabi
Finding the best health insurance provider can be challenging, considering the wide range of options available in Abu Dhabi. To help you there, we have compiled a list of the top providers in Abu Dhabi from which you can choose if you are looking for comprehensive coverage at affordable rates -
Abu Dhabi National Insurance Company (ADNIC)
Founded in 1972, ADNIC Health Insurance is one of the leading insurance providers in the UAE. It is headquartered in Abu Dhabi and offers various health insurance plans that have gained popularity for their comprehensive coverage of medical expenses at affordable prices.
The Shifa insurance policies from ADNIC are specially tailored for the residents of the UAE seeking an adequate full-coverage health insurance plan. This plan is available across four variants, namely Platinum, Gold, Silver, and Bronze.
Furthermore, ADNIC also offers customised health insurance plans for your friends and family members who are visiting the UAE for a short period.
List of ADNIC Health Insurance Plans
Platinum
Gold
Silver
Bronze
Benefits of ADNIC Insurance Plans
Annual limit of AED of 5 million in the UAE as well as across the globe.
The plan provides coverage for pre-existing diseases and chronic disorders.
Covers dental treatments (subject to copayment)
Maternity cover of up to AED 50,000 for overseas and outside network services
Daman Health Insurance
Daman Health or the National Health Insurance Company is one of the few insurance providers that only deal in health insurance policies. The company focuses on the well-being of each customer and provides a variety of comprehensive yet affordable insurance plans.
Further, it also offers health insurance plans for travellers going out of the UAE as well as temporary visitors.
Different Insurance Plans
Care Bronze DNE without Dental
Care Bronze DNE with Dental
Benefits of Daman Health Insurance Plans
The plans offer annual medical coverage of up to AED 500,000.
Coverage for declared pre-existing diseases - up to AED 150,000
Vaccinations and various screenings are covered under these plans.
Adamjee Insurance
Adamjee Insurance, based in Pakistan, was founded in 1960. As one of the most known health insurance providers in the UAE, the company serves the medical and healthcare requirements of individuals as well as businesses.
The itinerary of Adamjee Insurance includes various health insurance plans that can provide you with top-notch services which ensure that you have quick and easy access to medical care in times of emergencies. As a policyholder, you can also customise your insurance plan to meet your medical requirements. 24x7 customer support, a high claim settlement ratio, swift online renewals, and a hassle-free claim settlement process are just a few of the benefits of an Adamjee health insurance plan.
Adamjee Health Insurance Plans
Adamjee health insurance plan, named ‘Family Care’, is further categorised into the following as per the network -
Silver Classic
Green
Silk Road
Silver Premium
Gold
Emerald
Pearl
Benefits of Adamjee Insurance Plans
Annual coverage limit of AED 1,000,000
Worldwide coverage. Note that for each treatment, the coverage can be claimed only for a period of up to 90 days.
Pre-existing conditions are covered (if declared at the time of purchase) up to AED 150,000
Orient Insurance Company
The group health insurance plans offered by Oriental Insurance are made to accommodate both small and large businesses. The company strives to provide its customers with protection coverages that are specifically crafted to meet their unique needs.
How to Buy the Best Health Insurance Policy in Abu Dhabi?
On policybazaar.ae, you can seamlessly compare the best health insurance plans in Abu Dhabi and get the most suitable one for yourself - all done in just a few clicks!
A major advantage of buying health insurance from policybazaar.ae is that you will get to see the top medical insurance plans from the leading insurance providers in the UAE in one place. Additionally, when you buy health insurance from Policybazaar.ae, you can get access to exclusive discounts and offers.
All you need to do to make a purchase is go to the website's 'Health Insurance' tab and complete the application. Once you fill out the lead form, the health insurance quotes page will appear on your screen. You can then move through the plans and compare them as per their features, riders, exclusions, and more.
The following are some advantages of purchasing a health insurance plan from Policybazaar.ae -
Free and hassle-free access to your credit score range
Round-the-clock customer service
Top plans for the best health insurance in Abu Dhabi available on one platform
Expert advice available
Platform to extensively compare the best plans in one place
Let’s now take a look at the common questions related to the best health insurance in Abu Dhabi -
Q1. Can I get a cashless hospitalisation facility in Abu Dhabi?
Ans: Yes, almost all health insurance providers in Abu Dhabi provide cashless hospitalisation facilities in their network hospitals. Note that in any other hospital (beyond your plan’s network), you can claim a reimbursement from the insurance provider subject to terms and conditions.
Q2. What’s the approx cost of health insurance in Abu Dhabi?
Ans: Health insurance premiums are not the same for all. The costs here depend on which policy you choose, what is your age and general health condition, whether you smoke, and several other factors.
Q3. Do I need a health insurance policy if I am young and fit?
Ans: Despite being young and fit, you must opt for a health insurance plan. This is because medical emergencies come without any warning and can become a financial burden at times. With a health insurance plan, you can steer clear of such emergencies and receive top-notch medical care from the best hospitals without being worried about expenses.
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