Health Insurance in Dubai, UAE

What is Health Insurance?

Health insurance, also known as medical insurance, is a type of policy that covers your medical expenses. It includes doctor visits, hospital stays, surgeries and sometimes prescription drugs. In exchange for a monthly premium, the insurance company shares the cost of your healthcare, which reduces the financial burden of expensive treatments.

With the right health insurance, you are better prepared for unexpected medical emergencies and can access quality healthcare without worrying about overwhelming costs. It also promotes regular health monitoring and helps prevent serious conditions through early intervention.
 

Key Features of Health Insurance

Here are the prominent features of health insurance UAE -

Key Features	Insurance Benefits Offered
Health Insurance Cost	Starting at AED 4/Day
Coverage Amount	AED 3 million, 1 million, 5 Lakhs, 2.5 Lakhs and More
Minimum Entry Age	0 years ( Newborn Baby )
Maximum Entry Age	99 years
Process for Claim	Policybazaar UAE Portal & Insurer Portals
Claim procedure	Cashless or Reimbursement
Who Should Buy	Self, Family, Domestic Workers, Investor
Covered	In-Patient Service, Out-Patient Service, Maternity Coverage, Dental Cover
Buy/Renew Process	Online

Types of Plans	Suitable For
Individual Plan	Single adults seeking personal coverage
Family Floater Plan	Families wanting inclusive coverage for all family members
Senior Citizens Plan	Elderly individuals (usually above 60 years) requiring more frequent medical care
Kids Plan	Children and adolescents requiring paediatric care
Group	Employees of a company, providing benefits as a group
Critical Illness	Those requiring financial protection against serious illnesses like Cancer, Stroke, Kidney failure and many more

Health Insurance Dubai Plans - 2024

List of best Health insurance Dubai plans and their features —

 

5 Reasons Why You Should Buy Medical Insurance

Medical insurance covers your medical and hospitalization expenses, in the event of a health emergency. Here are a few reasons why you should have a health insurance plan beyond the mandatory scheme.

1. Financial protection from unexpected medical bills

It’s always better to have the right medical insurance coverage so that you can protect your finances from costly medical bills.

2. Coverage for a wide range of medical treatments and procedures

Usually, most health insurance policies cover a wide range of medical treatments and procedures. If not planned for, these expenses can drain your savings.

3. Access to better hospitals and healthcare providers

Choosing the right health insurance policy is critical to you having access to the best hospitals and healthcare providers, especially in the case of a medical emergency, when you need the best care and treatment.

4. Coverage for preventative care

Most people do not consider the expenses they are likely to incur for preventive care. A good health insurance policy will ensure you can meet any out-of-pocket expenses, including preventive care without hospitalization.

5. Peace of mind knowing you're covered in case of an emergency

 The best part about having a good health insurance policy is that it helps you focus on recovering faster without having to stress about costly medical bills.

When to Buy Health Insurance Plans?

It’s advised you purchase a trusted health insurance policy in UAE, as soon as you move to Dubai. Generally, pre-existing conditions are typically not covered for a certain period after moving to Dubai (usually for 30 to 90 days). However, getting medical insurance early ensures you are covered after this waiting period.

Also, if you are planning to start a family, make sure to consider health insurance plans that cover maternity and childcare. 

Things to Know Before Buying a Health Insurance in UAE

Do your research before purchasing medical insurance policies in Dubai. Consider the following points before making a purchase... 

Types of health insurance plans available in Dubai

Most health insurance plans offer individual, family or group plans. Pick one that fits your requirements.   

 Policy Coverage

Dubai health plans typically cover in-patient care (hospitalization) and out-patient services (OPD) like doctor visits and tests. Maternity coverage may be included, but dental and vision are usually offered as separate plans. So, read the policy offer document carefully, so that you do not miss out on any hidden clauses. 

Factors to consider when choosing a medical insurance plan

 Always factor in your age, medical history, budget, and coverage needs, before choosing a plan. Some health insurance plans have riders and clauses and may not cover all your medical requirements. Hence, it’s vital to consider these factors while selecting a health insurance policy for yourself and your family. 

Review feedback

See what customers have to say about the insurance companies' service and overall experience.  

Know more about the waiting period

Consult the insurance agent about the waiting period for certain medical conditions and treatments. 

Ask about No-Claim Bonus

Enquire about the discounts available for not making medical claims, resulting in more savings. 

Discover more about the claim process

It’s vital to know the procedure to be followed while filing medical insurance claims and receiving reimbursements, especially in the case of emergencies. Also, ask about in-paitent and out-patient health insurance. 

Know All About the In-Patient VS Out-Patient in Health Insurance

Health Insurance Inclusion & Exclusions in Dubai

Eligibility Criteria for Buying medical Insurance in UAE

Mentioned below are the general eligibility criteria for Medical insurance in Dubai (UAE) —

Eligibility Criteria	Specifications
For Adults	18 years - 99 years
For Dependent Children (applicable to family health insurance)	Birth - 17 years
Pre-Existing Health Condition Waiting Period	Usually 6 months

Medical Insurance VS Health Insurance - Explained!

Documents Required to Renew or Buy Medical Insurance in Dubai, UAE

Here is a checklist of the documents commonly required for buying Medical insurance in UAE —

• Original Emirates ID
• Original passport
• Original residence visa (applicable to expatriates) 

Note: The concerned insurance provider may require additional documents as per its requirements.

How to Renew Health Insurance Policies in Dubai ?

With Policybazaar.ae, you can buy and even quickly renew medical insurance plans online. If you purchased from our platform, simply follow these steps —

1. Log into your Policybazaar.ae account.
2. On the dashboard, a list of your insurance plans will appear.
3. Locate and select your health insurance plan that has to be renewed.
4. Choose the option to renew the policy and review it.
5. Make customisations, if required, and follow the prompted steps to proceed with the renewal process.

Note: Once renewed, the policy details will be sent to your registered email ID.

If you got your plan from another platform, you can fill up the lead form in the health insurance section of Policybazaar.ae. One of our representatives will connect with you and guide you through the renewal process.

How to File a Medical Insurance Claim in Dubai?

In the UAE, policyholders can make both cashless and reimbursement claims. Mentioned below are the general steps for both types of claims —

Cashless Claims

1.   Go through the list of network hospitals mentioned in your policy document.
2.   Select your preferred hospital and get in touch with its insurance help desk.
3.   Provide your policy details and fill in the pre-authorisation form.
4. Upon submitting the form and other details, your claim process will be initiated and the hospital bills will be directly settled between your insurance company and the hospital.