Compare Health Insurance in Dubai & The UAE

The government of Dubai introduced a strictly enforced employer sponsored Health Insurance system in January, 2014. Under this law, employers are under contractual obligation to provide cover for their employees which may extend to their dependents. If the dependents are not covered, it is the responsibility of an individual to obtain cover for their spouse, family or domestic help under their sponsorship. The aim of this program is to bring world class health care system to Dubai that protects the rights of all individuals.

Our Health Insurance Plans cover both in-patient and out-patient medical encounters, treatments, surgical procedures, tests, maternity services, medications and drugs up to an annual aggregate limit of AED 150,000.

You can avail the benefits of our Health Insurance plans in a range of network hospitals, clinics and medical centres across the UAE. For a complete list of health centres included, please check your policy details.

Co-insurance is the amount payable by the person insured for every prescription, consultation, treatment, medication, test and service availed. Deductible, on the other hand, is the amount that the insured has to pay before the Health Insurance plan begins to pay for your care. Once you pay the deductible, the insurance company begins to pay for the facilities you avail. Thereafter, you are only responsible for the percentage of co-insurance included in your plan. In relation to the Health Insurance plans we offer, for in-patient services there is a 20 percent co-insurance payable by the insured up to a maximum of AED 500 per encounter with an annual aggregate limit of AED 1,000. For out-patient services, there is a 20 percent co-insurance payable for OP consultations, laboratory and radiology with a free follow up with the same doctor for the same ailment for up to 7 days and a 30 percent co-insurance payable for medications with an annual aggregate limit of AED 1,500.

Pre-existing and chronic conditions are excluded from the Health Insurance plan for the first 6 months of the tenure but are included after.

If opted, we offer in-patient as well as out-patient maternity services with our Health Insurance plans. For out-patient, antenatal services and 8 consultations with OBGYN are included. For in-patient, normal birth delivery of up to AED 7,000 and a maximum of AED 10,000 for medically necessary C-section, complications or medically necessary termination of pregnancy is included.

All expenses related to dental treatment, prostheses and orthodontic treatments are excluded from these plans.