Plans Overview
Individual Plan
Group Plans
Comprehensive Health Insurance Plans for You and Your Family
Protect What Matters Most
Adequate health insurance cover is critical to protecting your family‘s health. Our wide variety of plans from the best insurers meets the minimum required health insurance as stipulated by the **Dubai Health Authority (DHA)** and the **Department of Health Abu Dhabi (DOH)**.
What Does Health Insurance Offer?
Health insurance provides financial security during medical emergencies. From covering hospitalization to pre- and post-treatment expenses, it ensures you and your loved ones get quality care without financial strain.
For more options and quotations for health insurance in the UAE, please click here
Our Health Insurance Options
1. Individual Health Insurance Plans
Designed specifically for individuals, these plans offer financial security against medical expenses.
Key features include:
Coverage for hospitalization and medical treatments
Cashless access to network hospitals
Pre- and post-hospitalization benefits
Flexibility to choose add-on coverages for specific needs
Whether you’re self-employed, a freelancer, or simply need personal coverage, individual plans are ideal for ensuring you’re protected in medical emergencies.
2. Family Health Insurance Policies
Family health insurance is an affordable way to protect the health of all your loved ones under a single plan.
Benefits include:
Coverage of a number of family members; spouse and children can be covered in a single policy.
Sum assured for covering the needs of different members.
Financial protection against simultaneous medical emergencies within the family.
Cashless treatment and comprehensive network hospitals.
These can also be pretty economical ways to ensure your family‘s health without having to purchase a plan for each of them individually.
3. Employee and Group Health Insurance
Employers in Dubai and Abu Dhabi are required to avail of a group health insurance policy for employees. These policies cover employees for the following basic services, among others:
Physician consultations and diagnostic procedures
Maternity benefits along with emergency care
Hospitalization, pharmacy services, and day-care treatments
Employee satisfaction and health
Group health insurance ensures a healthy and productive workforce and meets legal requirements.
4. Domestic Helpers Health Insurance
Under UAE law, domestic helpers with salaries below AED 4,000 a month need to be covered. These programs provide:
Basic health care for domestic helpers
The ability to visit physicians, take diagnostic tests, and use medication
Full emergency and hospitalization care
Legal compliance as an employer of domestic staff in Dubai and Abu Dhabi
5. Northern Emirates Health Insurance Plans
These are for people holding visas in Ajman, Fujairah, Ras Al-Khaimah, Sharjah, and Umm al-Quwain. Coverage includes:
Hospitalization and maternity treatment
Diagnostic treatment
A wide network of hospitals and clinics to choose from
Cashless treatment and financial support in case of medical emergencies
Northern Emirates health insurance ensures that residents of these regions enjoy quality healthcare services.
6. Investors Health Insurance
It is a plan that targets investors and their dependants with premium coverage for financial security. Key features include:
Inpatient and outpatient treatment
Emergency services and laboratory diagnosis
Pre-existing condition, maternity, and physiotherapy benefits
Business owners can create options to suit their specific health needs.
Investor health insurance is strategic in safeguarding your health while managing your financial future.
Merits of a Health Insurance Policy
1. Access to Medical Services at Affordable Rates
Health insurance provides access to quality medical services without putting a heavy burden on the pockets. It ensures that individuals and families can seek all necessary treatments without hesitation, even during emergencies.
2. Cost Advantage to Young and Healthy Individuals
Health insurance is cheaper for young and healthy individuals. The sooner one buys a policy, the less the waiting period due to pre-existing conditions will be, thus allowing for better coverage in old age
3. Coverage for Unforeseen Medical Expenses
Sudden sickness or injury upsets life and finance. Health insurance works to overcome the financial burden of unplanned medical treatments, ensuring the savings of the policyholder.
4. Protection from Medical Expense Inflation
The cost of medical treatment has been growing high, and health insurance assures that you need not enter your savings or disrupt your future financial plans to meet your treatments.
5. Changing Lifestyle
Modern lifestyles make people more prone to health issues at a tender age. Insurance policies cover finances and offer precautionary care, such as regular check-ups, to offset the health problems created by stress, pollution, and unhealthy habits.
6. Financial Security in Emergencies
Health insurance acts as a safety net and saves one from financial distress during medical emergencies. It ensures continuity of savings and provides peace of mind.
Why Choose Us
- Leading insurance partner
- Personalized solutions
- Cashless expertise and co-payments
- Compliance with UAE regulations
- Dedicated support
- Quick and hassle-free claims
- Trusted by foreigners and nationals
Coverage Provided by a Health Insurance Policy
1. Global Cover
The Policyholder can receive medical interventions anywhere in the world in accordance with the terms that are specified in the subscribed health plan.
2. Getting Treated from the Finest Healthcare Providers
You will be covered for consultancies and interventions at every hospital and clinic of repute in Dubai, Abu Dhabi, and even Sharjah and other emirates, as covered in the network of your subscribing plan.
3. Hospitalisation and Direct Billing
Many policies provide cashless treatment at network hospitals, including covering hospitalization expenses for both in-patient and out-patient care.
4. Annual Health Check-Ups
Policies provide regular check-ups to ensure early detection of health issues for better well-being.
5. Emergency Medical Coverage
Provides immediate financial security in case of sudden medical emergencies, life-threatening conditions, or injuries.
6. Comprehensive Cover
The plans also extend to cover diagnostic tests, consultations, day-care procedures, and even vaccinations beyond mere hospitalization.
7. Vaccination and Inoculation for Children
Some of them cover the cost of vaccination to keep the children healthy.
Factors Affecting Health Insurance Premiums in the UAE
- Age, gender, and marital status of the policyholder
- Pre-existing conditions and medical history
- Cashless expertise and co-payments
- Geographic location and hospital network preferences
- Tobacco usage and Body Mass Index (BMI)
- Type of coverage and policy tenure
- Number of claims filed in the past
Frequently Asked Questions
1. Why is health insurance necessary in the UAE?
It is compulsory in Dubai and Abu Dhabi, and it secures financial protection against the high cost of medical treatments.
2. Can I have more than one health insurance policy?
No, UAE regulations do not allow dual health insurance coverage.
3. What is a waiting period?
It‘s the initial duration after policy issuance during which certain benefits, like coverage for pre-existing conditions, are not claimable.
4. How much does health insurance cost?
Costs depend on the age, health, coverage type, and many other factors. Basic plans can be as low as AED 0.95 per day.
Application of Health Insurance Online
Getting a health insurance policy online in the UAE is quick and easy.
Step 1: Start by clicking on Get a Quote and providing your basic details.
Step 2: After submitting your enquiry, a dedicated health insurance specialist will get in touch with tailored insurance options that match your needs.
Step 3: You can choose any of the quote and confirm your preferred health insurance policy.
WATCH YOUR SAVINGS ADD UP.
Affordable Health Insurance Plans for Your Needs
Along with our comprehensively designed health insurance policies, you don‘t just ensure your health–you also save on money!
Make your wish come true with Promise Insurance
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