Insurance
The Best Health Insurance In Dubai
Nowadays, people are continually moving. With so much to do, we neglect our health. A hectic lifestyle requires the best health insurance in Dubai in case of health issues.
A guide is below to help you select the finest Dubai health insurance for your needs. We also recommended health insurance companies.
For your convenience, we’ve included a table of Dubai health insurance costs.
How Much Does Health Insurance Cost in Dubai
Below is the table of the prices of various types of health insurance in Dubai. Note that actual prices may vary depending on the provider, coverage, and the number of people insured.
| Health Card (basic health insurance for expats) | AED 100 (0-9 years) AED 200 (10-17 years) AED 300 (18+ years) |
| Essential Benefits Plan (for low-income individuals) | AED 650 to 725/year |
| Individual Health Insurance | AED 17,500/year on average |
| Joint Policy | AED 36,400/year on average |
| Family Plan | AED 43,500/year on average |
| Group Health Insurance | AED 1,500 to 5,500/year |
| Travel Insurance | 4 to 10% of travel costs, depending on several factors |
How to Pick the Best Health Insurance in Dubai
When dealing with health matters, it is important to make sure that you’re getting the best out of any product or service.
To help you choose the best health insurance in Dubai, check out these tips below.
Check the Coverage:
You might think getting cheaper health insurance will save you money, but less comprehensive coverage is likely to cause you to pay more when a crisis arises.
With the cost of treatments continuously rising, consider getting a health plan with maximum coverage. This does not only protect you from more medical concerns but also offers more useful benefits, such as coverage for transportation and day-care expenses.
When choosing a family plan, it is also important to make sure each family member’s possible medical needs would be covered.
Another thing to check is the duration of the insurance coverage. For this, you should opt for one with lifetime renewability so you won’t be burdened by medical expenses when you get older.
Determine the sum assured and claim-settlement ratio:
An insurance provider can say that they cover a comprehensive range of medical needs, but these can come with certain limitations.That’s why you need to read the policy thoroughly.
One of the things you should check is the sum assured, which is the amount of money you will receive in case of disability or death.
Since there are instances when people fail to receive their claims because their case violates a certain clause in the policy, you should also find out the claim-settlement ratio from your insurer.
This assures you that many other insured individuals with the same plan have successfully received their claims.
Compare different health plans:
Take a look at different insurance plans from different providers as this can save you from stress and even save your life in the long run.
Specifically, you need to compare the price of the insurance plans, the features—including the illnesses they cover—added benefits, the panel hospitals, the sum assured, and the length of coverage.
This way, you’ll be getting the best value for your money on an insurance plan that truly does its job to protect you.
The Options for the Best Health Insurance in Dubai
Now that you know what to look for in a health insurance plan, let’s get you started with this list of some of the best health insurance providers in Dubai.
1. Emirates Insurance Domestic Healthcare Insurance
Source: Emirates Insurance
| BEST FOR | Variety of health insurance plans for different needs |
| WEBSITE | https://www.eminsco.com/home/ |
| ADDRESS | Bayswater St, Business Bay, Dubai, United Arab Emirates |
| CONTACT DETAILS | +971 2 644 0400 info@eminsco.com |
Emirates Insurance provides a choice of health insurance policies to meet the demands of a wide range of individuals.
The Basic Plan primarily benefits blue-collar people. The Standard Plan, on the other hand, is designed for individuals and families who can afford more than basic coverage.
They also provide Enhanced Plans and VIP Plans for individuals with more complex health insurance requirements. The Enhanced Plan extends beyond the regular annual and territorial boundaries, whilst the VIP Plan covers your medical needs abroad.
Emirates Insurance assures its customers an effective medical benefit and claims handling system. They issue insured people a card that grants them access to their associate hospitals and informs medical service providers about their insurance coverage.
Pros
- Variety of health insurance plans
- Efficient medical benefit and claims management system
Cons
- No online processing
- No teleconsultation services
- Hotline is not available 24/7
Customer Reviews
Munir Hussein Abdul Ghani reviewed:
“One of the best national insurers in UAE. Credible, excellent service and consistent.”
2. AMAN Healthcare Himaya Plan
Source: AMAN
| BEST FOR | Quick, no-surprises settlement |
| WEBSITE | https://aman.ae/home/ |
| ADDRESS | Gulf Tower, B1 Mezzanine Floor, Oud Metha Road, Bur Dubai |
| CONTACT DETAILS | 8004998 info@aman.ae |
| OPERATING HOURS | Sunday – Thursday: 8:00 AM – 4:00 PM |
AMAN offers comprehensive health insurance policies that may be tailored to the specific demands of various businesses at a fair cost.
Since their inception in 2002, they have offered their clients with insurance plans that include all of the features of the top health insurance in Dubai.
To begin, their health insurance policies clearly indicate the scope of their coverage.
For example, the AMAN Healthcare Himaya plan covers the United Arab Emirates and the rest of the Middle East, as well as India, Pakistan, Bangladesh, Sri Lanka, and the Philippines. This health plan covers the insured for up to AED250,000 per year.
Except for the United States and Canada, the plan also provides coverage for up to 30 days of medical emergencies abroad each year.
AMAN also guarantees a rapid claims resolution with no hidden restrictions that could lead to you receiving less compensation than promised.
Pros
- Clear insurance coverage
- Comprehensive U.A.E. cover
- Overseas emergency cover
- Quick, no-surprises claims settlement
Cons
- Overseas emergency cover excludes US and Canada
- Slow response to queries
Customer Reviews
Satisfied AMAN client Mohammad Al Falasi said:
“Very smooth and fast procedure. I’m really satisfied with the service. Special thanks to Yousef Al Mulla for his amazing customer service.”
3. Oman Insurance Essential Benefits Plan
Source: Oman Insurance
| BEST FOR | Domestic staff insurance |
| WEBSITE | https://www.omaninsurance.ae/ |
| ADDRESS | Find the branch nearest to you here |
| CONTACT DETAILS | service@omaninsurance.ae |
| OPERATING HOURS | Sunday – Thursday: 8:00 AM – 5:00 PM
|
Oman Insurance provides the best health insurance in Dubai for housekeepers, drivers, and other domestic personnel at an inexpensive price. Companies with fewer than 100 employees can benefit from this as well.
While their health plan options are affordable, they cover a wide range of chronic and pre-existing health issues. Individuals are also fully insured in all emirates, with the exception of Abu Dhabi, where only emergency coverage is provided.
In addition, clients have access to a large network of hospitals and are eligible for Oman Insurance’s complete online support.
You can also choose direct billing for simpler claims settlement for both inpatient and outpatient services.
Pros
- Cost-friendly
- Covers all kinds of chronic and pre-existing health conditions
- Comprehensive online support
- Option for direct billing
Cons
- Emergency coverage applicable only in Abu Dhabi
- Claims approval may take time
Customer Reviews
Mahmoud Subhani, one of Oman Insurance’s clients, said:
“Oman Insurance company is the Best service provider in the Region. According to my personal experience, Oman insurance dubai life Insurance department having professional staff. ”
4. AXA Smart Health Insurance
AXA’s Smart Health insurance stands out as one of the top health insurance alternatives in Dubai because it provides five tailored plans for different lifestyles.
AXA allows you can customize your plan to include coverage for in- and outpatient procedures, routine dental treatments, pre-existing and chronic illnesses, cancer, and viral hepatitis and its effects.
Individuals who are insured can also receive free teleconsultations with renowned Dubai doctors 24 hours a day, seven days a week. They can also seek treatment at any of AXA’s 3,000 associate hospitals in the UAE and 800,000 partners worldwide.
In addition to these helpful advantages, AXA’s online platforms simplify processes. They offer speedy online claims reimbursement, 24/7 multilingual customer service, and the ability to save all of your healthcare needs in their MYAXA app.
Pros
- Five customised plans
- Comprehensive coverage
- Free 24/7 medical teleconsultation
- 3,000 affiliate hospitals in the U.A.E. and 800,000 partners worldwide
- Convenient online systems
Cons
- Does not cover congenital diseases, dementia, and Alzheimer’s
- Does not cover injuries due to flying, extreme sports, and martial arts
- Does not cover vitamin-deficiency conditions
Customer Reviews
Gen Cananea, a satisfied client, said:
“I had an excellent experienced with the branch. Thanks to Rosemarie M., she is approachable, friendly, fast service, will listen and give advise what insurance that suits you.”
5. MetLife CritiCare
Source: MetLife
| BEST FOR | Critical illness coverage |
| WEBSITE | https://www.metlife.ae/ |
| ADDRESS | Vakson Building P.O. Box 1817 Offices No. 112, 113 and 114 Sheikh Zayed Road (Exit 41), Umm Al Sheif, Dubai |
| CONTACT DETAILS | 800 6385433 (971) 04 376 7900 Dubai-branchadministration@metlife.ae |
| OPERATING HOURS | Sunday – Thursday: 8:00 AM – 5:30 PM |
Many health insurance policies provide extensive coverage but do not include coverage for severe conditions. MetLife’s CritiCare, on the other hand, protects you from critical illness by providing financial support for both treatments and income loss.
CritiCare covers 32 essential illnesses, including stroke, paralysis, coma, brain tumor, Parkinson’s disease, Alzheimer’s disease, and cancer, among others. This health plan pays up to AED735,000 for income loss.
This health insurance plan will also provide coverage in the vast majority of countries around the world.
The best part about this insurance plan is that if you do not use it, you will receive the majority of your money back. MetLife will refund 75% of your premiums if you do not file any claims during the course of your insurance coverage.
Pros
- Critical illness coverage for up to 32 illnesses
- Compensation of up to AED735,000 for income loss
- Coverage in majority of countries
- 75% no-claims returns
Cons
- Long claims approval process
Customer Reviews
Ram S. left MetLife a positive review:
“Good supportive staff. Fast and good in followup.”
Another satisfied client, Subeena Aneesh, said:
“Assured insurance service…trustworthy.”
6. Pacific Prime Insurance Brokers Limited
Source: MetLife
| BEST FOR | All-around and International Coverage |
| WEBSITE | https://www.pacificprime.ae/ |
| ADDRESS | 10th Floor, Platinum Tower Cluster I – Dubai – United Arab Emirates |
| CONTACT DETAILS | Tel: +971 (0)42 793 800 Fax: +971 (0)43 686 181 https://www.pacificprime.ae/contact-us/ |
| OPERATING HOURS | Monday – Friday: 8:30 AM – 6:00 PM |
If you’re seeking for health insurance in Dubai that covers emergencies from the UAE to Beijing, Pacific Prime might be the finest option.
Pacific Prime offers a variety of insurance options to meet your specific needs. Their plans include international, family, maternity, and other options, making it tailored to your lifestyle. Other insurance programs may be occupation-based, such as teacher, individual, or corporate health insurance.
Pacific Prime provides flexible and customizable insurance plans to its customers based on a thorough grasp of various programs. They also provide travel and global health insurance for customers who travel extensively outside of Dubai and the UAE.
They also offer complete insurance education, as well as free impartial advice and insurance planning online or over the phone.
As an award-winning insurance company with over 20 years of expertise, Pacific Prime guarantees that you locate the correct plan for you using their experienced professionals and in-house technology, allowing their clients to make informed selections within their budget.
Although pricing is not indicated, contact information is provided for you to schedule your next meeting with an agent to discuss your insurance.
Overall, Pacific Prime provides a wide range of insurance products to meet the diverse demands of its customers, allowing you to be both happy and protected.
Pros
- Occupation-based insurances are available
- Well-awarded insurance company
- Insurance company covers 28+ languages
- Has long years of experience
Cons
- Insurance claims may take a long while
Customer Reviews
Reliable international services
“They just make life easier! As a Brit working in Poland, I needed health insurance. There are a lot of options and agencies and to be honest it can all feel like a bit too much effort when you are busy with work. However with the help of Svitlana and Christian I was quickly able to sort my insurance with no stress. Very attentive, fast responses and clear communication, can’t fault them!” – Dave Swanwick
Responsive and supportive
“dealt with 2 relationship managers for a period of 2 years for my insurance and that of my children. Both Emilou Lirit and Sam Higgs were very responsive, supportive, and patient with me. They followed up when needed and took the time to provide me with the support and options that would make my experience and that of my children better. I highly appreciate their service and professionalism.” – Samar Naim
FAQs about the Best Health Insurance in Dubai
Is healthcare free in Dubai?
- As of writing, healthcare in Dubai is only free for U.A.E. citizens. Because health insurance is mandatory in the emirate, expats are encouraged to get their own health insurance plans or at least buy health cards that provide them the basic healthcare benefits. Individuals with no insurance are fined AED 500 per month.
Are emergency medical treatments free in Dubai?
- Medical procedures done to stabilize an emergency patient is free in both public and private hospitals in Dubai. However, additional procedures will be billed to the patient.
Do you need travel health insurance in Dubai?
- Travel health insurance is required for individuals who need a visa to enter the U.A.E. In fact, you cannot apply for a visa to Dubai if you cannot present travel insurance.
Where can I get travel health insurance?
- You can get travel health insurance from any insurance provider in your home country. It is best to get this a few weeks before your departure. Availing a travel health insurance way ahead of your flight can also give you more benefits.
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