Best Private Medical Insurance

Health insurance, mandatory in some parts of the UAE like Dubai and Abu Dhabi, is set to get the same status throughout the country next year. This step will ensure that all residents have access to necessary medical services. 

In the UAE, there are two main types of health insurance: Private Medical Insurance and Public Health Insurance. 

Private medical insurance plans offer coverage for a wide range of private medical care services. Offered by private medical insurance companies, these policies usually ensure faster access to specialists and comfortable facilities. 

What is Private Healthcare Insurance?

Private health insurance involves a contract between an individual and a private insurer. Here, the insurer is required to cover a portion or all of the medical expenses as per the contract. In return, you, as the insured, will need to pay a premium. 

So What is Public Health Insurance?

Public health insurance is generally provided or mandated by government entities and may cover basic healthcare services. 

For instance, in Dubai, the government has unified all government health insurance under the 'Enaya' system. It serves government employees and citizens with extensive healthcare services. 

In Sharjah and Ajman, similar systems ensure that all government employees and their dependents are covered.

A key point of difference between the two is that private medical insurance offers more flexibility and broader coverage options compared to public health insurance. Private health plans may include benefits like global medical coverage, choice of providers, and access to faster and more personalised services.

An Overview of Best Private Medical Insurance

*Actual prices may vary as per your profile

Difference Between Public and Private Healthcare Insurance in UAE

Let’s understand the differences between public and private healthcare insurance in the UAE — 

Why Should You Choose Private Medical Insurance?

When you choose private healthcare in the UAE, you get to enjoy several benefits — 

1. Comprehensive Coverage: Private health insurance brings extensive coverage options. This can include a high sum assured, maternity coverage, diagnostic tests, and additional options like dental or vision care. 
2. Flexibility in Service Providers: One of the biggest advantages of private health insurance is the flexibility in choosing between different healthcare providers. 

You are not limited to public facilities and can access both public and private healthcare providers.  In addition, this flexibility often extends to international coverage as well.  

1. Essential for Expatriates: While public health insurance schemes are primarily for UAE nationals, private health cover is crucial for expatriates. In many cases, having private health insurance is necessary for getting a residency visa in the UAE. 
2. Value for Money: Despite higher premiums compared to public insurance, the best private health insurance often represents good value for money. This is due to the high cost of healthcare services in the region. 

Private health insurance ensures that most of these costs are covered and makes healthcare more affordable.

1. Increased Choices and Personalisation: These plans offer various levels of cover and can be tailored to individual needs. 

What is Covered Under Private Healthcare Insurance?

For an overview of what is generally included in the best private health insurance plans in the UAE, check out the table below — 

What are the Exclusions of Private Health Insurance?

The general exclusions of private medical insurance plans in the UAE are as follows — 

1. Non-medical expenses: Includes personal comfort items like televisions and beauty services
2. Cosmetic treatments: Except when linked to an injury or to improve physiological functioning
3. Obesity treatment: Surgical and non-surgical treatment for obesity and related weight control programs
4. Dental and vision care: Routine dental treatments, vision corrections, and related surgeries (unless it’s an emergency)
5. Experimental treatments: Services not approved by medical standards, including experimental procedures and medications
6. Chronic conditions: Long-term care for chronic conditions like dialysis may be excluded or have specific limitations
7. Pre-existing conditions: Often excluded for a specified period upon the commencement of the policy
8. Psychiatric and psychological treatments: Coverage for mental health care may be limited or excluded unless it's for an emergency condition

Top Private Health Insurance Companies

Some of the private health insurance companies in the UAE are given in the table below – 

Cost of Private Medical Insurance Plan

As we explore the costs associated with private healthcare plans in the UAE, it’s interesting to note that generally, the premiums for private medical insurance can start from as low as AED 4 per day for a coverage amount of AED 1 Million. 

However, keep in mind that the premium rates for private medical plans can vary based on the type of plan and the level of coverage you choose. 

For example, 

If you are a 30-year-old, living in Dubai, single, with a salary range of AED 6001-7000, and have no existing medical conditions, your private health insurance could start from AED 917 yearly. 

Remember that any changes in your personal details or the addition of add-ons can cause these premiums to change.

How to Get Private Health Insurance Quotes in UAE?

Comparing different policies offered by the top insurers is one of the most efficient ways to buy a private healthcare cover. The best platform for this is Policybazaar.ae, which has comprehensive private healthcare insurance options available at competitive rates.

Policybazaar UAE not only provides a variety of insurance plans but is also renowned for its expert advice, round-the-clock customer service, and extensive range of products. 

Here’s how you can easily get a private health insurance quote —

1. On Policybazaar UAE, click on the health insurance Plan section. Here, you can select the type of insurance you're interested in — options include individual, family, investor, and domestic worker coverage.
2. Fill in the necessary details that will tailor the search to your specific needs.
3. After submitting your details, a page will display various private health insurance quotes.
4. Choose the plan that best fits your needs and move forward with the application.

Factors Affecting Private Health Insurance Quote

Several factors can influence the cost of a private health insurance quote in the UAE — 

1. Age of the Insured: Older individuals generally face higher premiums as they are more likely to require medical services. 
2. Medical History: Your past and current health conditions also affect your insurance premiums. If you have a history of chronic illness or frequent medical needs, you may see higher costs for private medical care coverage.
3. Coverage Type: The extent and the type of coverage you choose will also impact your premium. 

For example, comprehensive plans covering a wide range of medical services, including specialist visits and overseas treatments, will cost more than basic private medical insurance plans.

1. Lifestyle Factors: Lifestyle choices, such as smoking or high-risk hobbies, can increase your premiums. 

Insurance providers consider these factors as they can lead to health issues that might require private health cover.

Family Coverage: Opting for family health insurance that covers multiple family members is generally more expensive than individual coverage. However, it often provides better value as it covers more individuals under one policy.

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