Maternity coverage in health insurance is an essential benefit that provides crucial support during the pregnancy period. It helps women to be financially prepared for both the pre-natal and post-natal phases, covering a range of medical expenses associated with childbirth. The common coverages of ...read more
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.
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.
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.
The table below highlights the essential parameters to keep in mind when considering the best maternity insurance in UAE –
Parameter |
Eligibility Criteria |
Age |
Women aged between 18 to 45 years are eligible. |
Marital Status |
Divorced or single women are generally not eligible. |
Waiting Period |
No conception should occur within the waiting period, generally 45 days. |
Planned Pregnancy |
It is necessary to declare a planned pregnancy to the insurer. |
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 –
Are you pregnant?
If you are already pregnant, insurers may decline your application or limit the coverage.
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 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.
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.
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.
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 –
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.
Some of the top insurers providing maternity insurance in UAE are —
Now let us take a look at the best health insurance with maternity coverage in uae and the special maternity features offered by them:
Plan |
Features |
---|---|
Takaful Emarat Silver Health Insurance Plan |
|
Plan |
Features |
---|---|
Takaful Emarat Platinum Health Insurance Plan |
|
Adamjee Family Care plan offers worldwide coverage for emergency as well as elective treatment.
Plan |
Features |
---|---|
Adamjee Family Care - Silk Road |
|
Adamjee Family Care plan offers coverage for medical emergencies as well as elective treatments.
Plan |
Features |
---|---|
Adamjee Family Care - Emerald |
|
Plan |
Features |
---|---|
Care Bronze DNE Without Dental |
|
Plan |
Features |
---|---|
Care Bronze DNE with Dental |
|
Plan |
Features |
---|---|
Shifa Silver Opt - 1 |
|
Plan |
Features |
---|---|
Shifa Bronze Opt - 1 |
|
Plan |
Features |
---|---|
Silver Classic |
|
Plan |
Features |
---|---|
Silk Road |
|
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.
Health Insurance Dubai | UAE Medical Insurance Prices | UAE Insurance With emirates-id | Best Health Insurance in UAE | Health Insurance for Parents | Health Insurance for Child in UAE | Dental Insurance in UAE | Online Individual Health Insurance | Health Insurance in Abu Dhabi | Health Insurance in Sharjah