Dubai Insurance Health Insurance

From affordable basic coverage to all-encompassing premium plans, Dubai Insurance health insurance offerings are designed to ensure that all the users and their families in the UAE have access to quality healthcare and can enjoy a secure, healthy life. The unwavering dedication to customer satisfaction and service excellence makes DIC the go-to choice for health insurance in the region.

In the page below, we will cover Dubai Insurance health insurance plans available for UAE residents in-depth.

Dubai Insurance Health Insurance Plans in UAE

Dubai Insurance offers extensive and flexible coverage health insurance plans to cater to the needs of multiple market segments. You can check out some of the prominent Dubai Insurance health insurance plans listed below – 

Features and Benefits of Dubai Insurance Health Insurance Plans

Listed below are the prominent features and benefits of Dubai Insurance health insurance plans –

Dubai Care N5

• Maternity Cover: Normal delivery and caesarean section expenses are covered up to AED 10,000, with additional coverage for medical emergencies related to maternity up to AED 150,000.
• Antenatal Screening Tests: Coverage for various antenatal tests as per DHA guidelines, including blood tests, urinalysis, and ultrasonography.
• New Born Cover: Provided as per DHA benefit guidelines.
• Outpatient Services: Covered with a 20% co-payment on laboratory tests and physiotherapy (up to 15 sessions per year).
• Dental: Covered with pre-authorisation and 20% co-payment, additional 20% co-payment over free access.
• Alternative Medicine: Covered up to AED 1,600 per member per year.
• Adult Vaccinations: Covered on both free access and reimbursement basis.
• Physician Consultation: Covered with a 20% co-payment, a maximum of AED 50 per consultation. Under this plan, specialists are also available on referral basis.
• Room Type: Private room for inpatient services.
• Emergency Treatment: 100% of the total costs are covered.
• Pre-existing Conditions: Declared conditions covered with a sub-limit of AED 150,000 - undeclared conditions not covered and subject to underwriting at renewal.

Silk Road

• Maternity Cover: Normal delivery and caesarean section expenses covered up to AED 10,000; medical emergency expenses related to maternity covered up to AED 150,000.
• Outpatient Maternity: 10% co-payment on all treatments, including consultations.
• Antenatal Screening Tests: Coverage as per DHA protocol, including blood tests, urinalysis, and three ultrasonography scans.
• New Born Cover: Provided according to DHA benefit guidelines.
• Laboratory Tests: 20% co-payment per invoice.
• Physiotherapy: Up to 15 sessions per member per year with 20% co-payment, subject to prior approval.
• Dental: Pre-authorisation is required and a 20% co-payment is applicable. Additional 20% co-payment for reimbursement (no reimbursement for Silk Road NW within UAE).
• Alternative Medicine: Covered up to AED 1,600 per member per year.
• Adult Vaccinations: Covered on free access and reimbursement basis.
• In-Patient Services: Private room, ambulance service, and 100% coverage for emergency treatment.
• Coverage: Dubai Insurance health insurance policy provides worldwide coverage.

Pearl

• Maternity Cover: Normal delivery and caesarean section expenses covered up to AED 10,000; medical emergency expenses related to maternity covered up to AED 150,000.
• Outpatient Maternity: 10% co-payment on all treatments, including consultations.
• Antenatal Screening Tests: Coverage as per DHA Antenatal care protocol, including blood tests, urinalysis, and three ultrasonography scans.
• New Born Cover: Provided as per DHA benefit guidelines.
• Laboratory Tests: 20% co-payment per invoice.
• Physiotherapy Treatment: Up to 15 sessions per member per year with 20% co-payment. However, prior approval is required for the same.
• Dental: After authorisation, a 20% co-payment is applicable; additional 20% co-payment for reimbursement.
• Adult Vaccinations: Covered on free access and reimbursement basis.
• Physician Consultation: 20% co-payment, maximum 50 per consultation.
• In-Patient Services: Private room, ambulance service (in medical emergencies followed by admission), and coverage for pre-existing and chronic conditions up to AED 150,000.
• Pre-Existing Conditions: All pre-existing diseases must be declared in the medical form with a sub-limit of AED 150,000. Undeclared medical conditions are not covered during the policy tenure and will be underwritten at renewal.

Emerald

• Maternity Expenses: Normal delivery and caesarean section expenses are covered up to AED 10,000.
• Medical Emergency Coverage: Medical emergency expenses related to maternity covered up to AED 150,000.
• Outpatient Maternity Expenses: Subject to 10% co-payment (no deductible).
• Antenatal Screening Tests: DHA Antenatal care protocol screening tests included.
• New Born Cover: As per DHA benefit guidelines.
• Laboratory Tests: Covered with a 20% co-pay per invoice.
• Physiotherapy Treatment: Covered up to 15 sessions per year with a 20% co-payment.
• Dental Treatment: Subject to pre-authorisation and co-payment.
• Pre-existing and Chronic Conditions: Covered with a sub-limit of AED 150,000.
• Coverage: Provide worldwide coverage.

Dubai Care N3

• Maternity Coverage: Normal delivery and caesarean section expenses covered up to AED 10,000.
• Medical Emergency Expenses: Maternity-related medical emergencies covered up to AED 150,000.
• Vaccinations & Preventive Services: Adults vaccinations covered; diabetic screening included.
• • Pre-existing & Chronic Conditions: Sub-limit of AED 150,000 for declared conditions.
  • Outpatient Maternity Expenses: 10% co-payment on all maternity treatments including consultations.
• Antenatal Screening Tests: Covered as per DHA Antenatal care protocol. Some of the tests include blood group, urinalysis, blood sugar, and more.

• New Born Coverage: As per DHA benefit guidelines.

• Physiotherapy: Up to 15 sessions per year with 20% co-payment.

• Dental Treatment & Alternative Medicine: Pre-authorisation required; AED 1,600 reimbursement for alternative medicine.

• In-patient Services & Accommodation: Private room; parent accommodation for children up to 16 years.
• Additional Benefits: Ambulance service, emergency treatment, and repatriation costs covered; worldwide coverage.

Green

• Maternity Coverage: Normal delivery and caesarean section expenses up to AED 10,000.
• Medical Emergency Expenses: Maternity-related emergencies covered up to AED 150,000.
• Antenatal Screening Tests: Covered as per DHA Antenatal care protocol.
• New Born Coverage: In line with DHA benefit guidelines.
• Laboratory Tests & Diagnostics: Covered with 20% co-pay as per invoice.
• Physiotherapy: Up to 15 sessions per year with 20% co-payment.
• Pre-existing & Chronic Conditions: Sub-limit of AED 150,000 for declared conditions; worldwide coverage.
• Dental & Alternative Medicine: Pre-authorisation required; AED 1,600 reimbursement for alternative medicine.
• Vaccinations & Preventive Services: Adult vaccinations covered; essential vaccines as per DHA guidelines.

Dubai Care N2

• • Maternity Expenses: AED 10,000 coverage for normal delivery and medically necessary caesarean sections.

• Maternity Emergency Coverage: AED 150,000 sub-limit for medical emergencies related to maternity.

• Outpatient Maternity Treatment: 10% co-payment on treatments, including consultations (no deductible).
• Co-Payments: Physician consultation (20%), diagnostics (20%), pharmacy (20%), and physiotherapy (20%).
• Antenatal Screening Tests: Covered as per DHA protocol, including ultrasonography (3 scans), Hepatitis C, blood sugar, and more.
• Dental and Alternative Medicine: Pre-authorisation required; AED 1,600 reimbursement for alternative medicine.
• Pre-existing and Chronic Conditions: AED 150,000 sub-limit for declared conditions; undeclared conditions not covered.
• Worldwide Coverage: The policy provides coverage for treatments and services across the globe.

Silver Classic

• Maternity Coverage: AED 10,000 for normal delivery and medically necessary caesarean sections. In addition, AED 150,000 sub-limit for medical emergencies related to maternity.
• Outpatient Maternity Treatment: 10% co-payment on treatments, including consultations (no deductible).
• Antenatal Screening Tests: Coverage as per DHA protocol.
• New Born Coverage: As per DHA benefit guidelines.
• Adult Vaccinations: Covered on free access and reimbursement basis.
• Pre-existing and Chronic Conditions: AED 150,000 sub-limit for declared conditions. Pre-existing conditions not declared on the medical form are not covered. 
• Coverage: The policy provides worldwide coverage. 

Dubai Care Exclusive N2

• Maternity Costs: The policy covers up to AED 10,000 for both normal deliveries and medically essential caesarean sections.
• Emergency Maternity Provision: A sub-limit of AED 150,000 is in place for any medical emergencies associated with maternity.
• Outpatient Maternity Care: A 10% co-payment is required for outpatient maternity treatments including consultations, with no deductible applied.
• Co-payment Requirements: Co-payments include 20% for physician consultations, 20% for diagnostic services, 20% for pharmacy expenses, and 20% for physiotherapy.
• Antenatal Test Coverage: In accordance with DHA guidelines, the policy covers various antenatal screening tests, such as ultrasonography scans (3 times), Hepatitis C, blood sugar tests, and others.
• Dental and Alternative Medicine: Prior authorisation is necessary, and the policy provides up to AED 1,600 in reimbursement for alternative medical treatments.
• Declared and Undeclared Pre-existing and Chronic Conditions: A sub-limit of AED 150,000 is applicable to disclosed pre-existing and chronic conditions, while undisclosed conditions are not covered.
• Physical Consultation: 20% co-payment and max AED 50 per consultation is available.
• Repatriation Costs: Covers the cost for the transport of mortal remains to the home country, up to AED 7,500.
• Global Protection: This insurance policy offers comprehensive coverage for medical treatments and services worldwide.

Silver Premium

• Maternity Coverage: Normal delivery and caesarean section expenses covered up to AED 10,000.
• Out-Patient Services: Includes consultations and treatments.
• New Born Protection: In accordance with DHA benefit guidelines.
• Laboratory Tests: 20% co-payment per invoice.
• Physiotherapy: Up to 15 sessions per member per year, subject to prior approval and 20% co-payment.
• Dental Treatments: Pre-authorisation required; 20% co-payment, with an additional 20% co-payment for reimbursements; no reimbursement for Silk Road NW inside UAE.
• Alternative Medicine: AED 1,600 coverage per member per year.
• Vaccinations: Adult vaccinations covered on both free access and reimbursement basis.
• Pre-existing and Chronic Conditions: AED 150,000 sub-limit for declared conditions; undeclared conditions not covered.
• Worldwide Coverage: Medical treatments and services covered across the globe.

Dubai care N1

• Comprehensive Maternity Cover: AED 10,000 for normal delivery, caesarean sections, and complications; AED 150,000 sub-limit for maternity-related medical emergencies; 10% co-payment for outpatient maternity treatments.
• Antenatal Screening Tests: As per DHA protocol - includes FBC, Platelets, blood group, Rhesus status, VDRL, MSU, urinalysis, Rubella serology, HIV, Hepatitis C, GTT, FBS, HbA1C, and 3 ultrasonography scans.
• Outpatient Services: Consultations and treatments provided.
• New Born Coverage: In line with DHA benefit guidelines.
• Laboratory Tests: 20% co-payment per invoice.
• Physiotherapy: Up to 15 sessions per member per year, subject to prior approval and 20% co-payment.
• Dental Treatments: Pre-authorisation required, 20% co-payment, additional 20% co-payment for reimbursements, and no reimbursement for Silk Road NW inside UAE.
• Alternative Medicine: AED 1,600 coverage per member per year.
• Adult Vaccinations: Free access and reimbursement basis.
• Pre-existing and Chronic Conditions: AED 150,000 sub-limit for declared conditions, undeclared conditions not covered.
• In-patient Services: Includes private room and 100% actual covered cost for emergency treatment.
• Ambulance Service: Covered in medical emergencies followed by admission.
• Parent Accommodation: Up to 100 AED per night for children up to 16 years of age.
• Repatriation Costs: AED 7,500 coverage for transport of mortal remains.

Gold

• Maternity Cover: AED 10,000 for normal delivery and caesarean sections; AED 150,000 sub-limit for maternity-related medical emergencies; 10% co-payment for outpatient maternity treatments.
• Antenatal Screening: As per DHA protocol and includes FBC, Platelets, blood group, Rhesus status, VDRL, MSU, urinalysis, Rubella serology, HIV, Hepatitis C, GTT, FBS, HbA1C, and 3 ultrasonography scans.
• Outpatient Services: Provided for various treatments and consultations.
• New Born Coverage: In line with DHA benefit guidelines.
• In-patient Services: Includes private room and 100% actual covered cost for emergency treatment.
• Laboratory Tests: 20% co-payment per invoice.
• Physiotherapy: Up to 15 sessions per member per year, subject to prior approval and 20% co-payment.
• Dental and Gum Treatment: Covered in medical emergencies.
• Hearing and Vision Aid: Covered in medical emergencies 
• Dental Treatments: Pre-authorisation is required; 20% co-payment; additional 20% co-payment for reimbursements, and no reimbursement for Silk Road NW inside UAE.
• Physician Consultation: 20% co-payment, max 50 per consultation.
• Ambulance Service: Covered in medical emergencies followed by admission.
• Pre-existing and Chronic Conditions: AED 150,000 sub-limit for declared conditions, undeclared conditions not covered.
• Parent Accommodation: Up to 100 AED per night for children up to 16 years of age.
• Repatriation Costs: AED 7,500 coverage for transport of mortal remains.
• Essential Vaccines & Preventive Services: As per DHA guidelines - direct billing at designated clinics.
• Diagnostics: 20% co-payment for X-RAY, CT-SCAN, and MRI.
• Psychiatry: Not covered.
• Region Coverage: Worldwide.

Check DIC Health Insurance Plans in UAE

Claim Settlement Terms of Dubai Insurance Health Insurance

There are two types of health insurance claims – Elective Treatment Claims and Emergency Treatment Claims. Listed below are the terms of Dubai Insurance health insurance plans as per the type of claim -

Elective Treatment

Elective treatments are non-emergency medical procedures that are planned and scheduled in advance. These procedures are not considered urgent and can be scheduled at the patient's convenience. Examples of elective treatments include routine check-ups, preventive screenings, and non-emergency surgeries.

• Free access (Network): The insurance provider pays for the elective treatments availed within the network hospitals or healthcare providers.
• Reimbursement in South East Asia (SEA): The insurer reimburses 100% of the actual covered cost, subject to a maximum of 100% of UAE applicable network rates
• Reimbursement Elsewhere Within the Territorial Scope of Cover: The insurer reimburses 80% of the actual covered cost, subject to a maximum of 80% of UAE applicable network rates.

Emergency Treatment

Emergency treatments are medical procedures that are required to address urgent health conditions, which can lead to severe consequences if not treated immediately. Examples of emergency treatments include trauma care, heart attack treatment, and stroke treatment.

• Free access (Network): The insurance provider covers the emergency treatment costs when availed within the network hospitals or healthcare providers.
• Reimbursement (Non-network): If the emergency treatment is availed outside the network, the insurer reimburses the costs up to 100% of the actual covered cost, subject to a maximum of 100% of UAE applicable network rates.

How to Cancel Dubai Insurance Health Insurance Plan?

To cancel a Dubai Insurance health insurance plan, either party can initiate the process. If the policyholder wants to cancel the policy, they can write to Dubai Insurance Co. (P.S.C) 30 days in advance and the concerned company will retain the premium based on the following short-term premium rates - 

• 25% of the annual premium for the first month or any part thereof
• 12.5% of the annual premium for each subsequent month or any part thereof

Dubai Insurance reserves the right to cancel the policy immediately if:

• The premium is not paid as per the agreed payment terms or issued CDC/PDC cheques are dishonoured
• There is a misrepresentation of information
• There is non-disclosure of a material fact

How to Apply for Dubai Insurance Health Insurance Plans?

Policybazaar.ae is an online platform in the UAE that offers a comprehensive range of insurance products, including Dubai Insurance health insurance plans. Our platform simplifies the whole process of comparing and purchasing insurance policies tailored to your needs. 

With a user-friendly interface along with expert assistance and a wide range of plans, you can make an informed decision and buy the health insurance policy in a few simple steps on our website.

Some of the benefits of applying for Dubai Insurance health insurance plans are listed below – 

• Wide Range of Plans: Policybazaar UAE provides a variety of Dubai Insurance health insurance plans, allowing you to compare and choose the best one for your specific requirements.
• Easy Comparison: Our digital platform enables you to compare different policies on various parameters such as coverage, premiums, and benefits, which can help you make an informed decision.
• Expert Assistance: Policybazaar.ae provides expert assistance to help you understand and choose the right policy according to your requirements and budget.
• Convenient and Time-Saving: You can apply for a policy online at your convenience, saving you time and effort compared to visiting the offline offices of various providers.
• Secure And Hassle-Free: The platform ensures a secure and hassle-free online application process, safeguarding your personal and financial information.

Follow the given steps to purchase Dubai Insurance health insurance via Policybazaar.ae – 

• Go to the Policybazaar UAE website and navigate to the ‘health insurance’ section.
• Provide the necessary details on the lead form such as your age, gender, coverage requirements, and more to get personalised quotes.
• Examine the various Dubai Insurance health insurance plans and compare their features, benefits, and premiums.
• Select the most suitable plan that meets your needs and budget.
• Hit the ‘Apply’ button.
• One of our customer care representatives will contact you and guide you through the further process. 

Dubai Insurance Customer Care

You can get in touch with Dubai Insurance customer care via any of the following channels -

Dubai Insurance Address: Dubai Insurance Head Office Al Rigga Road, Deira, P.O Box 3027, Dubai

Email Address for General Inquiries: info@dubins.ae

Email Address for Customer Support: customerservice@dubins.ae

Dubai Insurance Contact Number: +971 4 269 3030

Given below are the ‘Frequently Asked Questions’ of Dubai Insurance health insurance. Let’s take a look at what others have been asking.

Frequently Asked Questions (FAQs)

Q1. What types of health insurance plans does Dubai Insurance offer?

Ans: Dubai Insurance offers a range of health insurance plans catering to individuals, families, and corporate groups. These plans provide coverage for various medical treatments, including in-patient and out-patient services, maternity care, dental care, and alternative medicine.

Q2. What is the annual limit of Dubai Insurance health insurance plans?

Ans: The annual limit of Dubai Insurance health insurance plans is AED 1 million.

Q3. Can I use the Dubai Insurance health insurance plan outside the UAE?

Ans: Yes, Dubai Insurance health insurance plans provide worldwide coverage.

Q4. What is the process for filing a claim with Dubai Insurance?

Ans: In the event of a claim, notify Dubai Insurance immediately and submit the required documents within the specified timeframe. For elective treatments within the network, the insurer will cover the cost directly. For non-network and emergency treatments, reimbursement will be provided based on the applicable network rates and territorial scope of coverage.

Q5. How can I apply for a Dubai Insurance health insurance plan?

Ans: You can apply for a Dubai Insurance health insurance plan through Policybazaar.ae. The platform offers a seamless and user-friendly experience, allowing you to compare various plans, customise coverage, and apply for the policy that best suits your needs.

Q6. Are pre-existing and chronic conditions covered under Dubai Insurance health insurance plans?

Ans: Yes, declared pre-existing and chronic conditions are covered under Dubai Insurance health insurance plans subject to a sub-limit of AED 150,000. However, keep in mind that undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal.

Policybazaar UAE – Helping you navigate the wilderness of the insurance world!

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