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Buying Health Insurance in UAE
Health insurance policies offer the best medical care without any strain on your finances.
It covers ambulance charges, hospitalization expenses, domiciliary expenses and many others. Therefore, you focus on your health and recovery instead of worrying about high medical costs.The benefits offered by health insurance include:
- Cashless treatment for any pre-existing health conditions.
- Coverage of ambulance services or emergency medical evacuation.
- Optimum protection against high medical bills.
- Pre and post hospitalization cost coverage.
- Coverage against domiciliary treatments taken at home, under medical supervision.
Health Insurance in Dubai and UAE
Health insurance in Dubai, UAE is vital for managing medical costs and accessing premium healthcare services. With various health insurance plans available, residents can choose coverage that fits their needs and ensures financial protection and access to quality care.
Available Health Insurance Plans
In the UAE, health insurance plans vary widely to cater to different needs and budgets.
Individual Medical Plans
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For Salary below 4,000
- Get annual coverage of AED 150,000 for medical requirement
- Have a maternity coverage
- Have access to over 500+ clinics in UAE
- With premiums starting from AED 525*, opt for the right coverage for your employees
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For Salary above 4,000
- Get annual coverage of AED 150,000 for medical requirement
- Have a maternity coverage
- Have access to over 500+ clinics in UAE
- With premiums starting from AED 875*, opt for the right coverage for your employees
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For Families
- Get direct access to world-class hospitals
- Have a worldwide medical insurance
- Include dental insurance worth AED 3,500 per person
- With premiums starting from AED 5,000*, opt for the best coverage for your family
*VAT and Basmah charges excluded. Final premiums are based on completed medical application forms and are subject to change at the discretion of the insurer
Group Medical
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Basic Plan for Employees
- Get annual coverage of AED 150,000 for medical requirement
- Have a maternity coverage
- Include Alternative Medicines
- With premiums starting from AED 525*, opt for the right coverage for your employees
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Enhanced Plan for Employees
- Get annual coverage of AED 250,000 for medical requirement
- Have a direct access to specialist
- Pay a 0% for all out-patient services
- With premiums starting from AED 1,200*, opt for the right coverage for your employees
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Comprehensive Plan for Employees
- Get direct access to world-class hospitals
- Have a worldwide medical insurance
- Include dental insurance worth AED 3,500 per person
- With premiums starting from AED 3,000*, opt for the best coverage for your employees
*VAT and Basmah charges excluded. Final premiums are based on completed medical application forms and are subject to change at the discretion of the insurer
Benefits of Health Insurance in Dubai, UAE
- Protection: Covers a significant portion of medical expenses, shielding you from high healthcare costs.
- Comprehensive Coverage: Includes consultations, diagnostics, hospitalization, surgeries, and medications.
- Access to Quality Healthcare: Provides access to a network of hospitals and clinics, ensuring high-quality care.
- Emergency Medical Assistance: Offers coverage for unforeseen medical emergencies, providing peace of mind.
- Preventive Care: Includes vaccinations, screenings, and wellness check-ups to maintain good health.
- Specialist Consultations: Allows access to specialist care for specific health needs.
- Prescription Medications: Covers the cost of prescribed drugs, making them more affordable.
- Maternity Benefits: Provides coverage for prenatal, postnatal care, and delivery expenses.
- Mental Health Support: Includes services for mental health treatment and support.
When to Buy Health Insurance in UAE, Dubai?
- As an Expatriate: Obtain health insurance upon moving to Dubai or the UAE to comply with local regulations and ensure coverage.
- Before Starting a Family: Secure health insurance to cover prenatal, delivery, and newborn care.
- Changing Jobs or Relocating: Ensure continuous coverage during job transitions or relocations.
- Early in Life: Purchase early to benefit from lower premiums and comprehensive coverage.
- As a Safety Net: Health insurance acts as a financial safety net for unexpected illnesses or accidents.
Health Insurance Inclusion & Exclusions in UAE
| Inclusions | Exclusions |
|---|---|
| Inpatient and outpatient care | Plastic or cosmetic surgery |
| Emergency treatments | Injuries from suicide attempts or illegal activities |
| Prescription medications | Treatments for hazardous activities |
| Diagnostic tests and procedures | Non-essential treatments |
| Routine check-ups | Undeclared Pre-existing Conditions (conditions apply) |
| Specialist consultations | |
| Maternity and childbirth expenses |
Eligibility to Buy Health Insurance in UAE
- Residency: You must be a resident of the UAE to purchase health insurance.
- Age: Most plans have age limits; ensure you meet the age criteria.
- Health Status: Some insurers require a medical examination or health declaration.
- Employment Status: Health insurance is often tied to employment status; freelancers and self-employed individuals should secure their own plans.
Documents Required to Renew / Buy Health Insurance in UAE
- Identification: Valid Emirates ID or passport.
- Visa Details: Copy of residence or employment visa.
- Medical History: Information on pre-existing conditions.
- Employment Details: For employer-provided plans, a letter from your employer.
Things to Know Before Buying a Health Insurance
- Coverage Scope: Understand what is included in the plan and any limitations or exclusions.
- Premiums and Deductibles: Compare costs, including monthly premiums and out-of-pocket expenses.
- Network Providers: Check if your preferred hospitals and doctors are covered in the plan’s network.
- Policy Terms: Read the policy details thoroughly to understand terms, conditions, and renewal procedures.
- Pre-existing Conditions: Check how these are handled by the policy.
- Claim Process: Familiarize yourself with how to file claims.
Additional Health Insurance Coverage or Upgrade Options
- Critical Illness Coverage: Provides additional support for serious conditions like cancer, heart disease, or stroke.
- International Coverage: Extends insurance coverage outside the UAE for travel or expatriate needs.
- Dental and Vision Plans: Optional add-ons for dental care and vision services.
- Personal Accident Insurance: Offers extra protection in case of accidental injuries.
- Maternity and Childcare: Enhanced coverage for prenatal care and child healthcare needs.
What type of health insurance do I need?
Choose health insurance based on your specific needs:
- Enhanced Benefits Plan (EBP): For broader coverage with higher limits and access to more providers.
- Comprehensive Cover: Offers extensive benefits including dental and vision care, and international coverage.
- Family Health Insurance: Provides comprehensive coverage for all family members.
Easy Steps to get Health insurance online
- Research health Plans: Compare different plans and their benefits.
- Get Quotes: Obtain quotes based on your needs.
- Complete Application: Fill out the online form with your details.
- Submit Documents: Upload required identification
- Review and Confirm: Check plan details and confirm your choice.
- Make Payment: Pay the premium online to activate your coverage.
How to get Health insurance at Low Cost in UAE?
- Compare Multiple Quotes: Use our website to find the most cost-effective plans.
- Choose a Higher Deductible: Opt for a plan with a higher deductible to lower your premium.
- Opt for Basic Coverage: Select a basic plan with essential coverage if you need minimal benefits.
- Review Regularly: Periodically review and adjust your plan based on your current needs and lifestyle changes.
Health insurance claims process
- Notify Your Insurer: Inform your insurance provider about the medical treatment or emergency.
- Submit Claim Form: Complete and submit the claim form along with required documents.
- Provide Evidence: Include invoices, medical reports, and other supporting documents.
- Review and Approval: Your insurer will review the claim and may request additional information.
- Receive Payment: Once approved, the insurance company will reimburse the costs or pay the provider directly.
Why choose us?
InsurancePolicy.ae is a platform provided by Platinum Insurance Broker LLC, a trusted insurance broker in the UAE
offering a comprehensive range of insurance packages for cars, health, travel and general insurance.
What do our Customers say about us
“I was amazed with the way the customer service team explained the associated benefits and the medical insurance process from quote to claim. They walked me through all the inclusions and exclusions in a very easy to understand language, which enabled me to wisely choose the most appropriate policy. I got a healthcare package for my entire family at a reasonable price....
Ms. Jane Rodrigues
“I was admitted in hospital early this year and was under Intensive Care for almost 10 days. But all through this tumultuous experience, the one thing that I assured of was a stress-free claim process. I was very overwhelmed with their superb service and speedy response at this critical phase of my life. I spread the word and encourage others to avail...
Mr. Navin Sharma
“Platinum Insurance Team has provided a cashless treatment for my ongoing cancer treatment. It was truly a wise decision to have selected a healthcare partner. I went through a hassle-free experience during a lengthy hospitalization period and received support during the most testing times. I strongly recommend their insurance policies to all my near and dear ones.”
Mr. Nitesh Ramchandani
“I recently met with a car accident that led to spinal injury and a massive hospital bill. Thankfully my health insurance covered the entire expenses, and due to lack of worry I recovered much faster. The entire claim process was fast and hassle free. Looking at the current situation, I even got my spouse and kids covered under it.”
Mrs. Stacy Almeida
“I was given complete orientation before purchasing the health insurance policy. Thanks to the proactive team at Platinum Insurance, I have selected the most optimum plan that suits my diabetic medical condition. The entire experience was very satisfying and today I avail the best medical check-ups and treatment at a leading network of world-class hospitals.”
