Looking for the best health insurance Dubai policy? Health Insurance Dubai is essential to protect yourself and your family. However, the process of finding the best health insurance Dubai policy is not easy. You will have many different options to select from. We are ready to help you simplify the process.
Best Health Insurance Dubai
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Top Medical Insurance Plans in Dubai
Health Insurance Dubai offers a range of top medical insurance plans. They cover emergencies, hospitalization, diagnostic tests, doctor visits and more. You need to understand your needs and pick the best medical insurance Dubai.
The health insurance companies Dubai offer plans for:
1
Basic insurance
2
Maternity insurance
3
Critical illness cover
4
Comprehensive long-term care
Review and compare plans from top providers to find the right Health Insurance Dubai option for you.
Leading Medical Insurance Providers in Dubai
Importance of Health Insurance Dubai
Medical Insurance Dubai is a legal requirement for all residents under health insurance law. With rising healthcare costs, insurance protects you from financial burden in case of unforeseen illness or medical emergencies.
How Health Insurance Dubai Safeguards You
Health insurance provides financial safety net during illnesses. It covers hospitalization, tests, surgery and other medical expenses. Plans also include outpatient services, dental care and evacuation. This removes worry of medical costs so you can focus on getting better.
Comparing Health Insurance Dubai Plans
Take time to compare quotes from different medical insurance companies in Dubai. Review policy details, premiums, network hospitals, claim process and limitations before deciding.
Professional Assistance for the Right Plan
Speaking to an insurance advisor ensures you select the best health insurance in Dubai tailored to your needs, budget and existing conditions. Expert guidance removes confusion so you can access quality healthcare worry-free. This is where we can help. Use our online tool to compare health insurance companies Dubai and pick the best today!
Let’s get started
Follow 3 simple steps to get the best health insurance in Dubai in a few mins
1
Get quotes
Fill out a simple form with your requirement to get quotes from the best health insurance companies in Dubai.
2
Compare & Choose
Compare health insurance plans and choose a policy that suits your requirement.
3
Buy & Sit back
Choose your preferred payment method and get your policy within minutes
Why buy health insurance in Dubai with BuyAnyInsurance?
- You can save time and money by comparing quotes from multiple health insurance companies in Dubai from the comfort of your home.
- Get assistance from Insurance experts that have more than 15 years of experience in the Insurance industry in Dubai.
- For us customer is king. Our experts work towards getting you highly personalized plans with maximum benefits and the lowest prices.
- We’ve partnered with some of the best health insurance companies in Dubai.
- You're guaranteed to get honesty, integrity & transparency from us at all times.
- From getting quotes to processing claims, get end-to-end assistance from our experts.
- You don't have to wait for days and weeks to get your policy. With us, you get it instantly.
- At the time of filing a claim, you don’t need to run around and deal with the nitty gritty. Get assistance from our experts who guide you step by step through the whole process.
Best health insurance companies in Dubai:
There are many health insurance service providers in Dubai that you can choose from -
- 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
Benefits of buying health insurance with BuyAnyInsurance
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Expert support
From getting quotes to processing claims, leave it to our experts with 15+ years of experience to handle the nitty-gritty of insurance.
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Save Time and Money
Compare different policies from top health insurance companies on your device, from anywhere.
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Trusted Partners
To ensure that you get the best, we’ve partnered with the best health insurance companies.
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Transparency
Pay directly to insurance companies so you know what you pay and to whom.
What is health insurance?
Health insurance, like most insurance, provides protection for your wellbeing. Like car insurance, it is mandatory in the UAE. This ensures that citizens and residents are provided for in case of medical emergencies.
Furthermore, in Dubai especially, employers are expected to provide basic health insurance as part of the employment contract. This basic minimum requirement of health insurance, Essential Benefits Plan (EBP), falls under the Dubai Health Authority. It is also the minimum requirement for resident visa approval, and the sponsor must apply for it for their family members.
Citizens have the choice of applying for private health insurance or national health insurance, SAADA. These are offered by the government of Dubai and are regulated and supervised by the Dubai Health Authority. This option is also available to UAE citizens, working or residing in Dubai.
Types of health insurance
Following are the different types of health insurance in Dubai -
1
Individual medical insurance plan
As the name suggests, individual health insurance plans are offered by insurance companies in Dubai to single individuals. It offers financial coverage against certain illnesses and offering several benefits such as cashless hospitalization, pre, and post-hospitalization, etc. The entire sum assured is provided to only a single person.
2
Family health insurance plan
Family health insurance plans in Dubai have the perfect combination of wide coverage and affordability. Instead of purchasing separate medical insurance for each family member, one can opt for the family plans in order to cover the entire family under one single cover. Family health insurance plans usually restrict the number of policyholders to one spouse and a fixed number of children.
3
Senior citizen health insurance plan
Senior citizen health insurance plans are specially designed for people above the age of 60 years. Insurance for senior citizens can have a higher premium as the insurer will calculate the risk accordingly. Although only a few insurance companies in Dubai offer such types of plans, they might ask for a medical check-up before selling out the plan.
4
Group / employee health insurance plan
Group health insurance plans are generally provided by employers. They are created to include and exclude employees as they join & leave the organization. Group insurance plans are usually low in premium because there are higher number of applicants and hence the plans are customizable to match the needs of the company.
5
Critical illness health insurance plan
A lot of insurers do cover critical illness, the insured member/applicant needs to mention the illness while the plan is being purchased in the initial stages.This usually causes a shift in pricing, but the declared medical condition will be covered from day 1 of the insurance.
Health insurance policy inclusions
Since health insurance is closely monitored by the Insurance Authority of UAE, certain criteria need to be followed by all insurance companies in their policies:
- Pre-existing diseases and health illnesses
- Pre & post hospitalization
- In-patient hospitalization costs
- Ambulance fees
- Health check-ups
- Day care procedures
- Hospital room cost
- Vaccinations & inoculations
- Newborn or maternity
- Medication
- Donor expenses in case of organ transplantation
Health insurance policy exclusions
Though predominantly inclusive of most medical procedures, there are some exclusions to health insurance policies that are outlined. These are not provided for under insurance but can be gotten by additionally paying for them. However, the cost will not be compensated.
- AIDS, terminal illnesses, and some other diseases of a similar nature
- Non-allopathic treatment
- Plastic/cosmetic surgery, sex change, hormone replacement, etc
- Injuries caused by terrorism/war/suicide attempt/nuclear activity
- Straightforward exclusion of expenses incurred for maternity unless a maternity rider has been added in the online medical insurance policy
- Medical treatments for obesity
What you need to know when comparing health insurance plans in Dubai?
When comparing health insurance plans in Dubai, it is helpful to keep the following in mind:
1
Shortlist plans based not only on price but also on the unique features and benefits offered by the plan.
2
Make sure to check the inclusions and exclusions in detail.
3
Go through reviews of the insurance provider online.
4
Look at the claim settlement ratio of the provider when comparing different health insurance plans online in Dubai.
Documents required to file a claim for health insurance
If you want to claim a reimbursement for your health insurance, then these are the documents that you need to submit:
- Claim reimbursement form of the Insurance company that you bought the policy from – duly filled and stamped with signatures.
- Original copy of the medical invoices and bills that are to be reimbursed. These include all kinds of pharmacy receipts, ambulance bills, and any other expenses being filed for reimbursement.
- Diagnostics and lab test reports if any.
- A copy of the policy
- Banking details of the insured
Additionally, you may need the following documents:
- Referral letter from your doctor.
- Any other document requested by the insurer.
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.
Is health insurance mandatory in the UAE?
Yes, based on the terms stated by the Health Insurance Law of Dubai, it is mandatory for all residents to at least have a basic ...
Yes, based on the terms stated by the Health Insurance Law of Dubai, it is mandatory for all residents to at least have a basic health insurance coverage plan meeting the minimum insurance benefits stated by the Dubai Health Authority.
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 it can deem your entire policy 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 accou
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.
How does health insurance in Dubai work?
As per the Health Insurance Law of Dubai, it is mandatory for all residents to have a basic coverage health insurance plan ...
As per the Health Insurance Law of Dubai, it is mandatory for all residents to have a basic coverage health insurance plan meeting the minimum insurance benefits stated by the Dubai Health Authority. All employers in Dubai must provide their employees with at least a basic UAE health insurance plan. The same is applicable to individual earning members, they are to provide insurance to their dependent family members.
Health insurance companies in Dubai offer two types of health insurance claims – cashless and reimbursement. With cashless claims, you can simply visit one of the network hospitals and show your insurance card for quick and hassle-free payments. On the other hand, if you are visiting a non-network hospital, you need to make the payments first and get reimbursed later.
