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Health insurance covers medical and surgical expenses arising from an insured individual's illness. These expenses might be related to the cost of medicines, lab tests, vaccines, doctor consultation fees, or hospitalization.

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1
Get quotes

Fill out a simple form with your requirement to get quotes from the best health insurance companies.

2
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Compare health insurance plans and choose a policy that suits your requirement.

3
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Why Buy Health Insurance through BuyAnyInsurance

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  • Reliable and trustworthy

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  • Quick Support

    From getting quotes to processing claims, our highly experienced team is always ready to assist you.
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Get up to AED 1000 (*T&C apply) in vouchers with every health insurance plan.

Comparing health insurance quotes from multiple companies could save you up to 20%.

Things to consider when choosing a health insurance company

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Price

Compare prices from multiple health insurance companies to ensure that you get a fair price.

Coverage options

Understand the features and benefits of each plan and decide what suits your requirement best.

Claims Handling

The insurer's reputation for handling claims is one of the most important criteria & should be considered when buying health insurance.

When you buy with BuyAnyInsurance, all this legwork is taken care of by our health insurance experts. All you need to do is just visit our website and fill out your requirement in a simple form or give us a phone call.

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Benefits of Health Insurance

  • Health Insurance provides you with critical coverage for treating your illness and accidents
  • Medical Coverage safeguards your family under the same insurance umbrella.
  • Health insurance ensures that you save yourself from high unexpected medical costs.
  • You don’t have to worry about medical inflation when it occurs.
  • You protect yourself from paying large sums in medical bills in case of any major illness or accident.
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Top Health Insurance Companies in UAE

  • Al Hilal Takaful / Yas Takaful
  • Salama Islamic Insurance
  • Takaful Emarat
  • Dar Takaful
  • Noor Takaful
  • Orient Unb Takaful
  • Aman Insurance
  • Abudhabi National Takaful
  • Adnic
  • Saico - Daman
  • Al Buhaira Insurance
  • Al Ittihad Al Watani
  • Al Sagr Insurance
  • Arab Orient
  • Ascana
  • Axa
  • Daman
  • Dubai Insurance
  • Emirates Insurance
  • Fujairah Insurance
  • National Life And General
  • Ngi
  • Oman Insurance
  • Qatar Insurance
  • Rak Insurance
  • Union Insurance
  • United Insurance
  • Dnirc
  • New India Assurance
  • Medgulf
  • Oriental Insurance
  • Arabia Insurance
  • Metlife
  • Expacare
  • Hanser Merkur
  • Aetna
  • Allianz
  • Bupa
  • Now Health
  • Morgan Price
  • Maxhealth
  • Cigna

Types Of Health Insurance Plans

Health Insurance plans are usually classified into two:

1
Individual or group plans

Health Insurance Plans can be acquired for individuals or a group of individuals. Depending on pre-existing conditions, the nature of work, and additional features added to a policy, the premium can be as high or low as the individual requires.

2
Family Plans

Family plans cover a set of family members and can be quite budget-friendly depending on how much coverage is demanded. Medical insurance keeps the needs of children, and maternity also covered.

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Health Insurance Policy Inclusions

The UAE government closely monitors health insurance; therefore, certain criteria need to be followed by all insurance providers in their policies. These inclusions are as follows:

  • Hospital Stay - The patient must be admitted into the hospital during and after some medical procedures. The cost of staying, including bed and board, is included in health insurance policies in the UAE. Some private insurance providers even offer bed and board for luxury VIP rooms, which impacts the premium.
  • Ambulance - Ambulances don't usually get the credit they deserve. They are essentially mobile hospitals with the essentials in primary care. Patients with speedy access to ambulances have a higher chance of recovery. That is why ambulance services are included in the policy.
  • Vaccines - Vaccines have long been established to protect the entire community from debilitating viral diseases. They are a necessity, not a luxury; thus, their provision is provided in health insurance policies in the UAE.
  • Lab Tests - Diseases and medical conditions can't be treated unless they are diagnosed properly. Here is where lab testing comes in. The policies include regular blood tests, MRI scans, X-rays, biopsies, and diagnostic tests. They can be prohibitively expensive if not subsisted with health insurance.
  • Medicine - Prescription drugs can also run a high bill, especially for lifelong illnesses such as diabetes and blood pressure. Provisions for them are included in medical insurance policies in the UAE.

Health Insurance Policy Exclusions

Though predominantly inclusive of most medical procedures, some exclusions to health insurance policies are outlined. These are not covered under insurance but can be gotten by paying for them. However, the cost will not be compensated.

  • Inessential Operations - Anything deemed unnecessary to the well-being and immediate health of the policyholder will not be covered by the health insurance policy. These can include minor procedures that don't alter an individual's health and new-age procedures such as laser technology.
  • Anything Cosmetic - Similarly, cosmetic procedures are deemed unnecessary. They are not emergency procedures and don't halt life-threatening diseases or accidental injuries. Therefore they are not included in health insurance because they hardly contribute to better health for policyholders.
  • Fat-Loss Procedures - Procedures that encourage fat loss or curb obesity, such as gastric banding and laser surgery, aren't covered by medical insurance. Insurance providers argue that regular exercise and a healthy change in lifestyle should supersede the procedures as they are required in rare circumstances.
  • Dental and Optical Care - Like most health insurance across the globe, the UAE excludes dental and optical care with the option of adding them to the original policy at a higher cost. Very few policies cover basic emergency dental care.
  • Waiting Period for Maternity and Pre-Existing Conditions - Health insurance policies do not include maternity care, chronic pain, and pre-existing condition coverage at the outset of a policy. They require a waiting period before these covers are included in the policy. Each provider has a waiting period, so check what it is before signing up.
  • Self-Harm - Any sign of self-harm or attempted suicide will void health insurance. These instances are not covered by medical insurance and are used by the provider to deny all coverage.

How to file a health insurance claim?

Claiming health insurance is a fairly simple process. There are two ways to make a claim for health insurance - within or outside the hospital network. Network hospitals are medical institutions to which the insurance provider has direct links.

1
Within Network Hospital

As mentioned above, insurance providers partner with several hospitals, medical institutions, and clinics. It makes the claims process simple, and the policyholder must make no cash transactions. They have to show their health insurance card to the hospital staff, and their claims are handled directly between the insurance company and the hospital. Of course, these claims are limited to the stipulations of the policy. If procedures are performed that exceed the limit or are not included in the policy, then those will have to be paid by the policyholder out-of-pocket.

2
Outside Network Hospital

The only difference here is that the policyholder must pay out-of-pocket and submit for reimbursement from their insurance provider. The policyholder requires more leg work in this claims process because they need to submit medical bills, case history, etc., as proof of claim. Similar to hospital network claims, they are limited to the policy's stipulations.

FAQs

Should I disclose my pre-existing conditions?

Yes. It is true that pre-existing conditions, including maternity care and chronic pain, are not covered in health insurance ...
Yes. It is true that pre-existing conditions, including maternity care and chronic pain, are not covered in health insurance policies in the first six months. However, if you fail to disclose a pre-existing condition, your entire policy can be null and void. Insurance providers determine your policy according to your specific needs. If you do not declare pre-existing conditions or give an accurate account

Can I cancel my health insurance plan without charge?

A provision in the UAE offers a grace period in which a policyholder can cancel their policy and get their full premium back. ...
A provision in the UAE offers a grace period in which a policyholder can cancel their policy and get their full premium back. It is, of course, only possible if the policyholder has made no claims on that policy.

Is health insurance mandatory in the UAE?

Yes, it is. The UAE government is so dedicated to medical insurance for everyone that they have government-sponsored health ...
Yes, it is. The UAE government is so dedicated to medical insurance for everyone that they have government-sponsored health insurance available for residents and nationals alike.

Do I need a medical examination before being accepted for the health plan?

It depends on the insurance provider. Some are satisfied by a complete declaration form, but some may require a medical report ...
It depends on the insurance provider. Some are satisfied by a complete declaration form, but some may require a medical report from your doctor. Be sure to ask the insurance provider you choose which documents they would require for the policy.

How do I claim health insurance?

There are two ways to make a claim: On Network: You can show your card if you receive medical attention at a network ...
There are two ways to make a claim:
  • On Network: You can show your card if you receive medical attention at a network hospital or clinic. The hospital or clinic will claim the expenses themselves, and you don't have to bother with the claims process. You don't have to pay upfront in these cases unless your medical insurance policy doesn't cover the procedure or you have a co-pay.
  • Off-Network: If you choose to get treatment at an off-network clinic or hospital, for whatever reason, you will have to pay upfront. Later you can claim medical insurance by submitting the receipts to your insurance provider. They will assess if you have coverage and reimburse you accordingly.

Does health insurance still cover me if I travel away from my area of residence?

It depends on the health insurance policy you have chosen. If you selected a GCC coverage policy, you would be covered when ...
It depends on the health insurance policy you have chosen. If you selected a GCC coverage policy, you would be covered when traveling in any GCC country. Similarly, if you have worldwide coverage make sure the country you are traveling to is mentioned in your insurance policy

What does health insurance cover?

Your health coverage depends entirely on the policy you choose. There are a few exemptions across the board in medical ...
Your health coverage depends entirely on the policy you choose. There are a few exemptions across the board in medical insurance, such as cosmetic procedures. Still, you can add most other health concerns to your policy with a corresponding increase in your premium.

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