Adequate Health Insurance coverage is the need of the hour for you and your family. Our wide range of health insurance plans from various leading insurers includes health insurance policies that meet the mandatory health insurance requirements in the emirates of Abu Dhabi, Sharjah, and Dubai. Dubai Health Authority (DHA) and the Department of Health Abu Dhabi (DOH), have mandated compulsory health insurance for all citizens in Dubai and Abu Dhabi. Our team of experienced insurance professionals will assist you to get the best health insurance as per your needs and requirements. Additionally, we will also be taking due care of any servicing and claims requirements that may arise during the tenure of your policy.
Health insurance is a way to provide financial coverage against medical expenses, incurred in the event of hospitalization, illness or injury . It can also coverscover pre-hospitalization and post-hospitalization needs. Health insurance canmust be purchased by individuals, families, and employers. It will also provides worldwide coverage, benefit of cashless treatments at network hospitals and other benefits during the tenure of the policy. Add-on coverages can also be availed to cover special risks with nominal increase in premium
For more options and quotations for health insurance in the UAE, please click here.
Health insurance is a crucial and mandatory requirement in the UAE.Following are different types of Health insurance coverages that you can opt for, to meet your specific insurance needs
As their name implies, individual medical insurance plans are provided to a single policyholder by insurance companies in the UAE. It provides financial protection from certain illnesses along with a number of advantages like access to network hospitals, cashless treatments, pre- and post-hospitalization, and others. The coverage for this policy is limited to a single policyholder.
Family health insurance plans are the best option to safeguard your family’s health in an affordable manner. Family health insurance covers two or more people of the same family for a fixed sum assured in exchange for a single annual premium .. You can choose family plans to cover your entire family under a single insurance plan rather than buying individual medical insurance policies for each member of your family. Family health insurance policies often only allow you, your spouse, and your children to be policyholders (pre-specified). It also provides coverage, in case two or more members of a family are hospitalized or are diagnosed with any ailment, at the same time.
Employers in Dubai and Abu Dhabi are legally obliged to offer group health insurance to their employees. An employee health insurance or group health insurance plan is bought by an employer for their employees. It offers the employees healthcare services which include, physician consultations, diagnostic tests/procedures, pharmacy, physiotherapy, maternity benefits, medical conditions or bodily injuries requiring hospitalization, day-care services, emergency hospital services etc. . These plans are designed to safeguard employees' health and their financial security.
You can also cover your domestic help/maids if their gross monthly salary is under AED 4000 per month. Such insurance is currently mandatory for Dubai Visa Holders and Abu Dhabi Visa Holders.
Northern Emirates Health Insurance is a type of plan that provides individual medical insurance to Northern Emirates visa holders. This includes the regions of Ajman, Fujairah, Ras Al-Khaimah, Sharjah, and Umm al-Quwain. It covers a comprehensive range of medical services which are hospitalization, physician consultations, diagnostic test/procedures, pharmacy, physiotherapy, maternity benefits etc
Investor health insurance is meant for those who are looking to protect their health and financial future at the same time. This type of health insurance plan offers medical coverage for investors and their dependents.
The plan generally covers inpatient and outpatient treatment, emergency services, laboratory test services and more. It usually covers healthcare services which include basic healthcare services, like hospitalization, doctors’ visits, and treatments. hospitalization, physician consultations, diagnostic test/procedures, pharmacy, physiotherapy, maternity benefits, medical conditions or bodily injuries requiring hospitalization, day-care services, Emergency hospital services etc.
Clicking here will redirect you to Orient Insurance website
Clicking here will redirect you to Orient Insurance website
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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 in Sharjah, Dubai, and Abu Dhabi
The members can obtain coverage for medical expenses across the world, including their home country, subject to the opted policy terms and conditions.
As per the health insurance plan chosen, there are medical care providers across multiple specialties that will provide health care services to you as per the benefits listed under your coverage. These multiple medical specialists can be found in Dubai, Abu Dhabi, Sharjah, and other emirates.
Hospitals across multiple specialties have a contract to provide health care services to policyholders of a valid and enforced health insurance policy. 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.
Members can avail annual health check-ups, which include routine screening tests to ensure health and well-being, identify diseases at a treatable stage, etc
The insurance policy ensures coverage of both in-patient and outpatient services within network facilities.
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.
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.
Covers the cost of immunizations and preventive health care services as per your health insurance plan.
A health insurance policy in UAE does not cover the following:
The cost of health insurance coverage in the UAE is influenced by several factors. These can include:
While selecting a health insurance plan for your parents, below must be kept in mind:
As our parents age they might become more vulnerable and susceptible to illness and diseases, due to which the need for higher coverage increases. This also causes an increase in the health insurance premium. In the absence of a suitable health insurance plan, the healthcare expense can be exponentially larger hence a health insurance plan is a worthwhile investment to safeguard the health of your parents.
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 so they can avail the required treatments in a timely manner
The UAE has a robust network of hospitals and clinics, spanning across Dubai, Abu Dhabi, Sharjah, and other emirates. While choosing a health insurance plan for your parents, ensure your network includes their preferred hospitals, any specialist clinics if required and also clinics and hospitals that are easily accessible in case of unfortunate medical emergencies
In case of illness or injury, the additional stress of a strenuous claims process is definitely not something you’d want for your parents. A simple and hassle free claims process is important while selecting a health insurance plan for your parents
You can apply for health insurance online policy in 3 easy steps.
Step 1 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.
Step 2 - After submission of your enquiry, one of our health insurance experts will reach out to you with specific health insurance quotes.
Step 3 - You can choose any of the quote and confirm your health insurance policy
The documents required for filing a health insurance claim in UAE are:
In Dubai and Abu Dhabi, health insurance is mandatory for all citizens and residents. It is also required for most foreign workers who are in Dubai and Abu Dhabi on a temporary or contract basis.
The main reason to have health insurance in the UAE is to protect yourself and your family from financial strain incase of injury or illness. Medical treatments in the UAE can be quite expensive, and without health insurance, you may find it difficult to pay for them Finally, health insurance can also provide peace of mind in knowing that you and your family will be taken care of in the unfortunate situation of illness or accident.
Your health insurance coverage can vary from insurance company to company, so you should check the Table of benefits listed under the policy of your choice
Some of the coverage you can avail of under the health insurance plan is as below:
You can also opt for additional cover for eye care and dental care to boost your health insurance cover.
The cost of health insurance in the UAE is dependent on a number of factors which include age, overall health of the policyholder, pre-existing conditions, insurance provider, and the type of coverage you opt for etc. There are two types of health insurance plans - Basic and Enhanced. The basic health insurance plans can start from as little as AED 1.6/Day
Some of the documents you will need to submit when filing for your medical claim reimbursement include:
In accordance with the Health Insurance Law of Dubai, all residents are mandated to have a basic health insurance policy that covers the minimum health benefits that are recommended by the Dubai Health Authority. In fact, Visa applications are only accepted if the applicant has purchased a health insurance policy.
As per the law, a person cannot have dual health insurance coverage in the UAE. You are permitted to have only one policy. That is why it is important to carefully evaluate your needs, and seek the help of an insurance broker to get the best policy as per your needs and requirements.
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.
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.
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 and any other terms and conditions specified in health insurance policy.
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