Health Insurance In UAE


Health Insurance Online for Individuals & Families 

Adequate Health Insurance is the need of the hour for you and your family. Our wide range of products from various leading insurers includes health insurance policies that meet the mandatory health insurance requirements in regions like Abu Dhabi, Sharjah, and Dubai. In addition, our team of experienced professionals is on hand to help you through your insurance journey.

For more options and quotations for health insurance in the UAE, please click here.

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As the UAE’s leading insurance brokers, our team of Health Insurance experts will be happy to assist you with optimum health insurance solutions with below in Sharjah, Dubai, and Abu Dhabi

  • Products compliant with the Department of Health Abu Dhabi (DOH) and Dubai Health Authority (DHA) directives
  • Enhanced cost-effective options with wider benefits tailored to individual and family needs.
  • Advice from experts to choose the best product from a wide range of options
  • Complete peace of mind in the event of any medical exigencies – with our claim assistance service.

Benefits of a Health Insurance Policy

  • Ease of Mind

Opting for a health insurance plan has numerous benefits. Young and healthy individuals can avail plans at lower rates and reap the benefits of extensive coverage options as they grow older. Most policies have a pre-existing waiting period which is applicable if you are suffering from any pre-existing health condition /ailments illnesses. This period will be negligible while you are still young and healthy, thus giving you the advantage of exhaustive coverage that will prove useful if you fall ill later in life.

  • Coverage of Unforeseen medical expenses

While an unforeseen illness can lead to mental anguish and stress, there is another side to dealing with health conditions that can leave you drained – the expenses of medical treatments. Having the right health insurance policy with the right coverage can help in managing medical expenditures for you and your family.

  • To deal with the medical inflation of the medical expenses

Medical costs have dramatically risen lately. So, in case of a medical emergency, consumers end up spending their savings, which takes a toll on their future life goals.

  • Changing lifestyle

The tectonic shift in our lifestyle has made us more prone to a wide range of health disorders. Commuting, hectic work schedules, bad eating habits, quality of food, stress, and rising pollution levels have increased the risk of developing health problems at a young age. Hence, having a health insurance policy to manage health expenses is very important.

  • Safeguard financial security

Health insurance provides people with a much-needed financial backup at times of medical emergencies and avoids erosion of savings for future needs.

What does a health insurance policy cover?

The health insurance policies in the UAE cover:
  • Worldwide cover

The members can obtain coverage for medical expenses across the world, including their home country, subject to the opted policy terms and conditions.

  • Access to the major medical provider for direct billing

Medical care providers across multiple specialities have a contract to provide health care services to members of a health insurance plan as per the benefits. There are multiple medical care providers in Dubai, Abu Dhabi, Sharjah and other emirates. Since the UAE has an expansive healthcare system, a health insurance policyholder can avail of treatments from medical providers in Dubai, Abu Dhabi, Sharjah and other emirates, subject to the terms of the policy.

  • Annual health check-ups

Members can enjoy annual health check-ups, which include routine screening tests to ensure continued health or identify diseases at a treatable stage if opted under the benefit.

  • Coverage of inpatient and outside treatment 

The insurance policy ensures coverage of both in-patient and outpatient services within network facilities.

  • Comprehensive coverage/Coverage of inpatient and outpatient treatment.

Health Insurance Plans offering extensive coverage acts as a financial pillow in case of medical emergencies. Unlike basic health insurance plans, a comprehensive policy covers outpatient as well as inpatient treatments, including consultations, medical tests as well as hospital stays.

  • Emergency cover

The Emergency Medical benefit covers treatment for an unexpected illness or injury or any life-threatening conditions which are generally unforeseen that can erode your savings.

  • Vaccination cover for the kids

Covers the cost of immunizations and preventive health care services as per your health insurance plan. 

What does a health insurance policy not cover?

A health insurance policy in UAE does not the cover the following:

  • General exclusions as set by the respective authorities (e.g., pandemic, vaccinations, birth defects, Cosmetic Surgery, etc.)
  • Optical treatment & Dental cover are value-added benefits & will be part of higher enhanced plans.
  • Maternity is not mandatorily covered in the Northern Emirates plan & could have a waiting period of 12 months for non-working married females.
  • Undeclared pregnancy will not be covered for the entire policy period.

How to choose a health insurance plan for your parents?

While selecting a health insurance plan for your parents, below must be kept in mind:

  • Coverage

With the progression of age, the need for higher coverage increases. With a higher coverage, the premiums also increase. Nevertheless, it is a worthwhile investment to safeguard the health of your parents. 

  • Pre-existing illness and waiting periods

For parents with pre-existing health conditions this is one of the most important factors to consider while choosing a health insurance policy. It is important to choose a health insurance plan which covers pre-existing illness suitably and preferably has a shorter waiting period. 

  • Hospital Network

UAE has a robust network of hospitals and clinics,  spanning across Dubai, Abu Dhabi, Sharjah, and other emirates.   A wide hospital network plays an important role in ensuring the health and safety of your parents, especially in times of emergency. 

  • Simple Claims Process

We have dedicated health insurance claims that are passionate about ensuring our clients get the healthcare they deserve. Our clients can file a claim by filling out the claim assistance form to receive a timely response from our claims team.

How to apply for health insurance online in UAE?

You can apply for health insurance online policy in 2 easy steps. Click on Get a quote and fill in the quotation form with your name, contact details, coverage type, other family details, pre-existing conditions, any other specific requirements, and one of our health insurance experts will reach out to you with specific health insurance quotes.

What are the documents required for filing a claim in a health insurance policy?

The documents required for filing a health insurance claim in UAE are:

  • Claims reimbursement form of the respective TPA/Insurers
  • Bills & invoices related to the treatment taken
  • Doctor’s reports with sign and stamp

Frequently Asked Questions 

Is there any waiting period for claims under a policy?

The waiting period refers to the time duration after the issuance of the health insurance policy, after which the policyholder is eligible to file a claim. Usually waiting periods apply only for first-time policy issuance and not renewals. Health insurance policies have differing waiting periods based on the type of health insurance, diseases, etc.

What is a pre-existing condition in a health insurance policy?

A pre-existing condition in health insurance is any health condition that an individual has before enrolment in a health insurance plan. 

Declaration of pre-existing conditions/ailments/illnesses is important as it will ensure the coverage of treatment of illness from day one & will also assist the insurance company in underwriting the policy before inception to cover any future costs of treatment. Undeclared conditions will not be covered by the insurer for the entire policy period and will be declared a violation of the insurance principle of utmost good faith.

What is the maximum number of claims allowed over a year for a health insurance policy in UAE?

During the health insurance policy period, there is no set limit on the number of claims that can be registered. The number of claims depends on the sum insured. Claims can be made until the sum insured is exhausted.