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These days, people are always on the go. We have so much to do that our health becomes the least of our priorities. When living a busy lifestyle, it is important to get the best health insurance in Dubai in case any health concern arises.
This article will help you find the best health insurance in Dubai for your needs through a guide which you will find below. We’ve also listed down some health insurance service providers that are worth checking out.
To help you even further, we’ve prepared a table of the expected cost of health insurance in Dubai.
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
|BEST FOR||Variety of health insurance plans for different needs|
|ADDRESS||Bayswater St, Business Bay, Dubai, United Arab Emirates|
|CONTACT DETAILS||+971 2 644 0400 |
Emirates Insurance offers a variety of health insurance plans to best suit the needs of different types of individuals.
The Basic Plan mainly caters to blue collar workers. On the other hand, the Standard Plan is targeted to individuals and families who can afford more than just the basic coverage.
They also offer Enhanced Plans and VIP plans for people with more complex health insurance needs. The Enhanced Plan goes beyond the standard annual and territorial limits, while the VIP Plan includes coverage for your medical needs abroad.
Emirates Insurance guarantees its clients an efficient medical benefit and claims management system. They provide insured individuals a card which allows them access to their affiliate hospitals and gives medical service providers information about their insurance coverage.
Munir Hussein Abdul Ghani reviewed:
“One of the best national insurers in UAE. Credible, excellent service and consistent.”
2. AMAN Healthcare Himaya Plan
|BEST FOR||Quick, no-surprises settlement|
|ADDRESS||Gulf Tower, B1 Mezzanine Floor, Oud Metha Road, Bur Dubai|
|CONTACT DETAILS||8004998 |
|OPERATING HOURS||Sunday – Thursday: 8:00 AM – 4:00 PM|
AMAN provides comprehensive health insurance plans which can be modified to suit the needs of different organizations at a reasonable cost.
Since their founding in 2002, they have provided their clients with insurance plans that have all the elements of the best health insurance in Dubai.
Firstly, the coverage of their health insurance plans are clearly stated in their policies.
For instance, their AMAN Healthcare Himaya plan provides cover in the U.A.E. and the rest of the Middle East, plus India, Pakistan, Bangladesh, Sri Lanka, and the Philippines. With this health plan, the insured is covered to up to AED250,000 per year.
The plan also covers overseas medical emergencies for up to 30 days per year, except in the United States and Canada.
AMAN also assures you a quick claims settlement with no hidden clauses that would cause you to get less compensation than promised.
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
|BEST FOR||Domestic staff insurance|
|ADDRESS||Find the branch nearest to you here|
|CONTACT DETAILS||[email protected]|
|OPERATING HOURS||Sunday – Thursday: 8:00 AM – 5:00 PM|
Oman Insurance offers the best health insurance in Dubai for house help, drivers, and other domestic staff at an affordable price. This can also be availed by companies with less than 100 employees.
While their health plan offerings are cost-friendly, they cover all kinds of chronic and pre-existing health conditions. The insured individuals are also fully-covered in all emirates, except Abu Dhabi where only emergency coverage applies.
On top of these, clients also get access to a wide network of hospitals and are entitled to Oman Insurance’s comprehensive online support.
You can also opt to get direct billing for easier claims settlement for both in- and outpatient procedures.
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
|BEST FOR||Affiliation to a vast number of hospitals in the U.A.E. and worldwide|
|ADDRESS||Showroom #4, Um Al Sheif Building, Plot #514-0, Makani #19694 80701, Next to Metropolitan Hotel, Um al Sheif, Sheikh Zayed Road, Dubai|
|CONTACT DETAILS||800 292 |
+971 800 292
|OPERATING HOURS||Sunday – Thursday: 9:00 AM – 6:00 PM|
What makes AXA’s Smart Health insurance one of the options for the best health insurance in Dubai is that it offers five customised plans for different lifestyles.
With AXA, you can opt for your plan to include features such as coverage for in- and outpatient procedures, routine dental treatments, pre-existing and chronic illnesses, as well as coverage for cancer and viral hepatitis and its complications.
Insured individuals can even get access to free teleconsultations with top Dubai doctors 24/7 for advice on their medical concerns. They can also get treatment from any of AXA’s 3,000 affiliate hospitals in the U.A.E. and 800,000 partners worldwide.
On top of these convenient features, AXA’s online systems also make processes hassle-free. With them, you can make a quick claims reimbursement online, get 24/7 multilingual customer support, and store all your healthcare requirements in their MYAXA app.
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
|BEST FOR||Critical illness coverage|
|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
|OPERATING HOURS||Sunday – Thursday: 8:00 AM – 5:30 PM|
Many health insurance plans offer comprehensive coverage but do not offer a cover for critical illnesses. However, MetLife’s CritiCare protects you from critical illness, providing financial support for treatments as well as loss of income.
In particular, CritiCare provides coverage for 32 critical illnesses, such as stroke, paralysis, coma, brain tumour, Parkinson’s disease, Alzheimer’s disease, and cancer, among others. This health plan provides a compensation of up to AED735,000 for income loss.
You’ll also be covered in the majority of countries all over the world with this health insurance plan.
The best thing about this insurance plan is that most of your money will return to you if unused. MetLife will return 75% of your premiums for no claims in the entire duration of your insurance coverage.
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.”
FAQs about the Best Health Insurance in Dubai
With the best health insurance in Dubai from this list, you should be able to protect yourself and your family from illness and medical emergencies as well as their effects.
Do you know other commendable health insurance providers in Dubai that we should add to our list? Shoot us a message and we’ll gladly check them out!