Maternity Insurance UAE

What is Maternity Insurance in UAE?

As the name suggests, maternity insurance in UAE covers the costs related to pregnancy. It starts from regular check-ups and medications, extending to delivery and hospitalisation expenses. The best maternity insurance in the UAE provides coverage for the newborn for around 30 to 60 days. 

The primary goal of maternity insurance UAE is to provide financial support so that you can have a comfortable pregnancy and a healthy postnatal period without any financial burden or hiccups.

It’s important to note that pregnancy insurance in the UAE is not a standalone product. Instead, it is included as part of comprehensive health insurance plans. This means that insurance for pregnancy in Dubai falls under the broader category of health insurance.

Is Maternity Insurance Mandatory in Dubai?

Yes, maternity insurance is mandatory in Dubai. 

Under the Dubai Health Insurance Law (No. 11 of 2013), all employers must provide health insurance coverage that includes maternity benefits to their employees, including dependents. This law was fully implemented by the end of June 2016. 

Is Maternity Insurance for Already Pregnant Women in the UAE Available?

Yes, maternity insurance is available for already pregnant women in the UAE, but it often comes with specific terms and conditions. Insurance companies usually apply what is called "premium loading," meaning the cost of your policy will be higher than standard maternity insurance. This is because the insurer takes on a higher financial risk when covering maternity insurance already pregnant. Once you pay the loading amount, the coverage of maternity insurance in UAE starts from then day one. 

It’s important to review the policy details carefully and speak with your insurer to understand what is covered and what isn’t when applying for maternity insurance already pregnant in UAE. This can help avoid unexpected costs and ensure you have the best possible coverage during your pregnancy.

Eligibility Criteria for Maternity Insurance in UAE

The table below highlights the essential parameters to keep in mind when considering the best maternity insurance in UAE – 

After you meet these eligibility criteria, insurers may ask additional questions to assess your situation further. The answers you provide help insurers decide if you qualify for pregnancy insurance in the UAE. 

Here’s what they might ask – 

1. Are you pregnant?
   If you are already pregnant, insurers may decline your application or limit the coverage.

2. Are you planning to get pregnant?
   If you’re not pregnant, they may ask if you are planning a pregnancy. Declaring a planned pregnancy upfront is necessary to avoid maternity insurance coverage issues later.
3. What is your Last Menstrual Period (LMP) date?
   If your last menstrual period was within the last 30 days, there are typically no concerns. However, if it was more than 30 days ago, the insurer might request a non-pregnancy report to confirm you are not currently pregnant.

How Does Maternity Insurance Coverage Is Calculated in the UAE?

Maternity insurance coverage in the UAE is determined based on the pregnancy status of the insured individual. Whether you are planning a pregnancy or already pregnant, insurers have different criteria and policies that affect the coverage provided. 

Here’s a breakdown of how maternity insurance coverage is calculated in the UAE — 

For Women Planning Pregnancy

For married women who are planning to get pregnant, pregnancy insurance in UAE typically covers both outpatient (OP) and inpatient (IP) services, depending on the plan chosen. However, in order to claim maternity benefits, most insurance companies require the individual to serve a waiting period before becoming eligible for maternity-related claims.

• Waiting Period: The waiting period is generally 45 days, which means the insured woman should not conceive during this period. If the pregnancy occurs within the waiting period, any maternity-related claims will not be covered by the insurer.
• Coverage After the Waiting Period: Once the waiting period is over, maternity claims can be made and coverage will be fully available for all eligible maternity-related expenses. The waiting period applies to first-time scheme members, but it is often waived upon policy renewal.

This type of coverage applies not only to women planning to conceive but also to those who may not be planning but are still eligible under the terms of the policy.

For Women Already Pregnant

If a woman is already pregnant at the time of applying for maternity insurance, the coverage process differs slightly. The insurer requires the individual to declare the pregnancy through a Medical Application Form. After the declaration, the insurer may apply additional charges, known as premium loading.

What Does Maternity Insurance in UAE Include?

Pregnancy insurance plans in Dubai cover various aspects of maternity care, which can be divided into several phases: before delivery, during delivery, after delivery, and newborn baby coverage.

 

What is Not Covered in ​​Maternity Insurance in UAE?

There are some aspects of maternity expenses that are not covered by most of the maternity insurance companies in Dubai —  

1. Pregnancy Before Insurance: Insurance for pregnancy in Dubai  generally does not cover the existing pregnancies. Some plans might provide coverage if pre-existing conditions cover requirements have been met. 

2. New Born Cover after 30 Days: Newborns are only covered under maternity insurance for 30 days after delivery. For any coverage beyond 30 days, the child has to be either induced in the family cover of the parents or the parent should get an individual health insurance plan for them.

3. Maternity Expenses Beyond Coverage Limit: Most health insurance companies have fixed limits that can be utilised for multiple births. However, once the limit is exhausted, no cover is provided.

4. Voluntary C-section Delivery: C-section delivery or caesarean delivery refers to the surgical delivery of a newborn. If a woman voluntarily chooses C-section delivery over normal delivery, the expenses incurred will not be covered. Only medically necessary C-sections are covered.

Which Insurance is Best for Maternity in the UAE?

As there are several options available, it can be a tricky task to get the best maternity insurance in the UAE. However, some certain tips and tricks can help you choose the pregnancy insurance in the UAEFollow the below given tips to find your ideal maternity insurance –

• The first step is to surf all the best possible options that also match your requirements to at least some extent. 
• Know your budget. It is vital to decide the premium that you can easily pay without burdening yourself.
• The third step is to note down your expectations from maternity insurance.
• The last step involves shortlisting the available options, comparing them thoroughly and picking the best one among them.

Policybazaar.ae provides you with a platform where you can have all leading health insurance companies in Dubai and their top plans at your disposal. You can easily compare several maternity insurance packages in Dubai on policybazaar.ae and choose the best one for yourself.

Insurers Providing Insurance for Pregnant Women 

Some of the top insurers providing maternity insurance in UAE are — 

1. Orient Insurance
2. Dubai Insurance
3. Takaful Emarat
4. Sukoon Insurance
5. HAYAH Insurance
6. Abu Dhabi National Insurance Company (ADNIC)
7. Cigna Insurance
8. Adamjee Insurance

Cheap & Best Maternity Insurance in Dubai, UAE 

Now let us take a look at the best health insurance with maternity coverage in uae and the special maternity features offered by them:

1. Takaful Emarat Health Insurance

Takaful Emarat Silver Health Insurance Plan

Plan	Features
Takaful Emarat Silver Health Insurance Plan	Coverage up to AED 7,000 with 10% co-insurance Cover in-patient as well as out-patient maternity services with a 10% co-pay Comes with a waiting period of 40 days (in case of pregnancy during this period, the inception of the policy lies with the company) C-Section cover - Up to AED 10,000 with 10% co-insurance
View Plans

(B) Takaful Emarat Platinum Health Insurance Plan

Plan	Features
Takaful Emarat Platinum Health Insurance Plan	Coverage up to AED 20,000 with 10% co-insurance Maternity benefits come with a 10% co-pay which is to be borne by the insured Medicines are covered up to AED 10,000 Includes health check-ups and ante-natal ultrasounds Comes with a 30-day new born cover Offers global coverage
View Plans

2. Adamjee Health Insurance

(A) Adamjee Family Care - Silk Road

Adamjee Family Care plan offers worldwide coverage for emergency as well as elective treatment.

Plan	Features
Adamjee Family Care - Silk Road	Cover in-patient as well as out-patient maternity services with 10% as the co-insurance clause that is to be paid by the insured Free health check-ups are available There is a 40-day waiting period (in case of pregnancy during this period, the inception of the policy lies with the company) In the case of normal delivery, the coverage is up to a sub-limit of AED 10,000 Expenses due to complications/ medically required C-Section are covered to a sub-limit of AED 10,000 Maternity-related emergencies are covered up to AED 150,000
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(B) Adamjee Family Care - Emerald

Adamjee Family Care plan offers coverage for medical emergencies as well as elective treatments.

Plan	Features
Adamjee Family Care - Emerald	Cover 10% co-payment for all out-patient maternity treatments, including maternity consultation In-patient maternity treatments are covered but subject to pre-approval For normal delivery, coverage of up to a sub-limit of AED 10,000 is provided Expenses up to a sub-limit of AED 10,000 is covered for complication and C-sections Any medical emergency related to maternity is covered up to a sub-limit of AED 150,000
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3. Daman Health Insurance

(A) Care Bronze DNE Without Dental

Plan	Features
Care Bronze DNE Without Dental	10% coinsurance is payable by the policyholder as co-payment for both in-patient and out-patient maternity services Out-patient maternity services require pre-approval from the insurance company For out-patient maternity services in Abu Dhabi, 10% coinsurance is payable by the insured in Cleveland Clinic Abu Dhabi and AED 50 for other providers For out-patient maternity services outside Abu Dhabi, 20% coinsurance is applicable limited to a maximum of AED 50 Coverage of a maximum of AED 150,000 is offered for both in-patient and out-patient services, and complications too Offers a newborn cover up to 30 days from birth
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(B) Care Bronze DNE with Dental

Plan	Features
Care Bronze DNE with Dental	No waiting period is applicable if pre-requisition of uninterrupted coverage is satisfied Co-payment of 10% coinsurance is payable by the insured for both in-patient and out-patient services Requires pre-approval from the insurance company for out-patient services The policy offers a maximum cover of up to AED 150,000 for both in-patient and out-patient services including complications Offers newborn cover for up to 30 days from birth
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4. Abu Dhabi National Insurance Company (ADNIC)

(A) Shifa Silver Opt - 1

Plan	Features
Shifa Silver Opt - 1	10% co-payment limited to AED 30 on every maternity consultation Covers out-patient services like physiotherapy treatment, pharmacy limit, lab and scan / x-ray, and minor surgery Offers coverage up to AED 750 per day for In-patient services overseas and inside UAE but not outside network Coverage is available for both elective and emergency treatments under in-patient services 20% co-payment limited to AED 30 on every consultation excluding maternity consultation.
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(B) Shifa Bronze Opt - 1

Plan	Features
Shifa Bronze Opt - 1	Covers out-patient services like physiotherapy treatment, pharmacy limit, consultations, and lab scans / x-rays  Offers coverage for semi-private rooms under in-patient services Coverage up to AED 400 per day is available outside network, inside UAE for emergency cases Covers pre-existing and chronic conditions Deductible per consultation is applicable as 10% up to AED 30 for maternity services and 20% up to AED 30 for other services
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5. DNIRC

(A) Silver Classic

Plan	Features
Silver Classic	10% co-payment is payable by the policyholder for both in-patient and out-patient services 10% coinsurance is payable for out-patient services by the insured A waiting period of 40 days is applicable during which maternity cover cannot be claimed Up to AED 10,000 is allotted for normal delivery and C-section Up to AED 150,000 is available in case of complicated and emergency cases New Born Cover is applicable for 30 days
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(B) Silk Road

Plan	Features
Silk Road	For both in-patient and out-patient services 10% co-payment applies to the policyholder 10% coinsurance is payable for out-patient services by the policyholder A waiting period of 40 days applies to maternity cover Up to AED 10,000 is allotted for normal delivery and C-section Up to AED 150,000 is available in case of complicated and emergency cases New Born Cover is applicable for 30 days from the date of birth
View Plans

Over To You

Planning a family is a matter of great joy, however, planning your finances is an integral part of good parenting. Investing in a good plan at the right time, therefore, is crucial.  Different policies offered by different insurance companies provide a wide range of benefits that are exclusive to each policy. Before opting for any insurance policy, make sure to read the fine print for all the policy details, terms, and conditions. Policybazaar.ae allows you to take into account the features of each plan that suits you. You can browse through different maternity plans and make a well-thought-of decision for your family.

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