If you have been looking around for health insurance companies in UAE, then you are in for a treat. Whether you’re a long-time resident, an expatriate, or a visitor, having reliable health coverage can bring peace of mind and ensure you receive the medical care you need when you need it.
In a world where health is our most invaluable asset, securing the right health insurance plan is of paramount importance. UAE mandates that all residents and even visitors are covered by health insurance, ensuring access to essential medical services.
The country boasts a thriving healthcare sector with state-of-the-art facilities and a diverse range of medical services. However, understanding the intricacies of the healthcare system and choosing the best health insurance can be a daunting task, given the myriad of options available.
In this article, we will take you on a journey through the key aspects of health insurance in the UAE, shedding light on the different types of coverage, providers, and factors to consider when making this crucial decision.
From understanding the mandatory health insurance requirements for residents to exploring optional plans for more comprehensive coverage, we’ve got you covered.
Join us as we embark on this exploration of healthcare security, so you can make informed decisions about your well-being and the well-being of your loved ones in the UAE.
Let’s dive into the world of healthcare insurance and explore the best health insurance companies in UAE.
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Fundamentals of Health Insurance in UAE
Health insurance in the UAE is a system that provides financial coverage for individuals and their families to help them access healthcare services when needed. In the UAE, health insurance is not only a choice but a legal requirement.
- Mandatory Requirement
The UAE government introduced a mandatory health insurance law to ensure that everyone has access to essential healthcare services. This law mandates that employers are responsible for providing health insurance coverage to their employees. Additionally, individuals, including residents and visitors, are required to have health insurance.
- Comprehensive Coverage
Health insurance plans in the UAE typically offer comprehensive coverage, including doctor’s visits, hospitalization, surgeries, medications, and preventive care. The extent of coverage can vary depending on the type of policy and the insurance provider.
- Public and Private Sector
Healthcare services in the UAE are provided by both the public and private sectors. Health insurance plans may allow policyholders to access a network of healthcare providers, which often includes private hospitals and clinics known for their high-quality services.
- Options for Expatriates
Expatriates working in the UAE are often provided with health insurance as part of their employment packages. These plans can vary in terms of coverage and may include benefits for the employee’s family.
- Different Types of Plans
Health insurance plans in the UAE come in various forms, including basic plans that cover essential medical services and more comprehensive plans with additional benefits such as dental and maternity care.
9 Best Health Insurance Companies in UAE
Here are our top picks for the best health insurance companies in UAE. Please note that this is not an exhaustive list and there are a lot of other companies offering a diverse range of medical coverage to UAE residents. At the end of the day, the choice of a health insurance policy depends greatly on the budget and personal preferences.
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Sukoon Insurance
Previously known as Oman Insurance Company, the Sukoon Insurance Company is one of the most reliable and reputable health insurance companies in UAE. The organization has been around since the year 1975 offering optimal quality medical coverage to all sections of the society.
Sukoon Insurance’s head office is located in Dubai with most of its shares owned by Mashreq Bank. The company offers a broad spectrum of general insurance plans including personal, medical, motor, life, home, and personal accident insurance policies
As for the health insurance plans, the policies offered by Sukoon Insurance can be broadly categorized into two plans. One is Health Plus Plans and the other one is DHA Essential Benefits Plans. It covers a wide network of healthcare providers and offers the best and most affordable health insurance plans in the emirate of Dubai.
The basic health insurance plans by Sukoon Insurance start from AED 560 only and are designed to cover chronic and pre-existing medical conditions. The standard insurance plans aim to provide medical coverage to employees and workers earning a low income.
Sukoon health insurance plans provide coverage in all emirates of UAE except for Abu Dhabi. However, emergency cases are covered for treatment in the capital as well.
The Health-Plus Plans by Sukoon provide coverage of up to AED 150,000 with a specific cap on expenses for treatments outside of the UAE.
You can download the Sukoon Insurance on your mobile device to manage your claims on the go. Reimbursement claims can be made online either via the website or a dedicated mobile app.
For further details and information, you may log on to Sukoon Insurance and explore a wide range of healthcare insurance plans.
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Dubai Insurance Company
Dubai Insurance Company, another prominent insurance provider in UAE, has consistently excelled in delivering health insurance tailored to the unique needs of both expats and citizens.
Launched in the year 1970, the company boasts an extensive track record spanning more than five decades in the field, demonstrating its tenacity, flexibility, and a deep understanding of health sector dynamics in the country.
As a multifaceted insurer, it offers an array of services that extend beyond health insurance, underscoring its comprehensive expertise within the industry. Furthermore, the company’s unwavering dedication to ethics, transparency, and responsible business practices is evident in its rigorous governance standards.
Dubai Insurance Company offers a diverse range of healthcare insurance policies under the umbrella of Dubai Care. Their basic plan starts from AED 525 only and can be subscribed to by residents of Dubai and Northern Emirates.
The health insurance policy they offer covers in-patient treatment, outpatient care, maternity benefits, vaccines, and screening and diagnostic services. The plans can cover treatments taken in UAE of up to AED 150,000.
For further details and information, you may log on to Dubai Insurance Company and explore different plans to choose the one that best suits your budget.
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Takaful Emarat
Takaful Emarat, one of the leading health insurance companies in UAE offers a diverse range of health insurance plans that adhere to the principles of Takaful, providing ethical and Sharia-compliant healthcare coverage.
With a strong commitment to delivering quality healthcare services and financial protection, Takaful Emarat’s health insurance options are designed to ensure peace of mind and access to medical services for individuals, families, and businesses.
Their Insurance plans offer a variety of benefits including coverage for prescription medicines, dental services, optical care and treatment, and physiotherapy sessions. There is a diverse range of plans to choose from designed specifically to meet the versatile medical needs of individuals and businesses.
The company works in conjunction with NextCare GN+, NextCare RN2, NextCare GN, and NextCare RN3 networks and is one of the most renowned health insurance companies in UAE providing services in the emirates of Abu Dhabi and Dubai.
The policies they offer provide local and international healthcare coverage. All health insurance plans generally have a validity period of one year, after which you must renew your plan to continue using the services.
Claims can be made in person or online by scanning and uploading the required documents. For further details and information on different plans and annual premiums, you may log on to Takaful Emarat’s official website.
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Orient Takaful
Orient Takaful, a well-known healthcare insurance company in UAE offers a comprehensive range of health insurance plans that embody the principles of Takaful, ensuring ethical and Sharia-compliant healthcare coverage.
Their health insurance offerings are designed to provide individuals and families with financial security and peace of mind while adhering to Islamic principles.
Orient Takaful’s health insurance plans encompass a wide spectrum, including basic health coverage, comprehensive packages with additional benefits, family-oriented plans, specialized options for specific needs, and maternity and child health coverage.
They also provide international health insurance for individuals who travel or reside abroad, guaranteeing access to medical services worldwide. This variety of plans caters to the diverse healthcare needs and preferences of their customers.
Orient Takaful’s health insurance plans offer coverage for maternity expenses including delivery and Caesarean section as recommended by the doctor. Outpatient maternity services and treatment are also covered in the benefits with a 10% co-payment condition.
All outpatient services and lab tests are covered with a 20% co-payment up to AED 50. Physiotherapy sessions are also covered up to 15 sessions per patient with a 20% co-payment. The policies cover all chronic and pre-existing medical conditions with expenses up to AED 150,000.
With a commitment to transparency, customer satisfaction, and ethical business practices, Orient Takaful has established itself as one of the most trusted health insurance companies in the UAE, offering reliable and Sharia-compliant coverage that ensures the well-being of its policyholders.
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Cigna Insurance
Cigna Insurance is a prominent provider of health insurance plans in the UAE and is widely known for its commitment to delivering quality healthcare coverage and promoting well-being in the region.
The company offers services in more than 30 countries worldwide and provides healthcare insurance policies to over 180 million customers from across the globe.
It offers a wide array of health insurance plans that provide comprehensive coverage for individuals, families, and businesses. These plans are designed to meet the diverse healthcare needs of their customers, ranging from essential coverage to more extensive packages with added benefits.
Cigna Insurance boasts an extensive network of healthcare providers in the UAE, ensuring policyholders have access to a broad range of doctors, specialists, hospitals, and clinics. This expansive network provides flexibility and choice when seeking medical care.
All health insurance plans offered by the company cover essential benefits to help policyholders access a wide range of medical care facilities. It has a vast network spread over 192 countries allowing people to seek healthcare services at the international level with ease.
As a policyholder, you can personalize plans to best suit your personal needs and budget. This consumer-centric approach allows people to access quality medical services that are tailored to their specific preferences.
Claims and renewal applications can be made online through a convenient and streamlined portal. The round-the-clock customer support makes it even easier to sort out issues on the go.
For further details and queries, we recommend you log on to Sigma Insurance’s official Website for the Middle East.
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ADNIC
Founded in the year 1972, ADNIC (Abu Dhabi National Insurance Company) is one of the leading health insurance companies in UAE, offering a range of health insurance plans designed to cater to the diverse healthcare needs of individuals and businesses.
Their health insurance offerings are characterized by comprehensive coverage and a commitment to the well-being of their policyholders. ADNIC’s health insurance plans including SHIFA Medical and Health Insurance Plans encompass various categories and cover doctor consultations, hospitalization, and prescribed medications.
There is a wide range of health insurance plans to choose from including Platinum, Gold, Silver, and Bronze. Each plan has a unique set of features and benefits. Extensive plans like platinum and gold come with additional benefits such as specialist consultations, maternity coverage, dental care, and coverage for chronic conditions.
ADNIC prioritizes family well-being by providing family health insurance plans for spouses, children, and dependents. Moreover, their group health insurance solutions are tailored to meet the specific requirements of businesses and their employees.
Through a dedication to transparency, customer satisfaction, and ethical business practices, ADNIC has established itself as a trusted choice for health insurance in the UAE.
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Salama Islamic Arab Insurance
Founded in year 1979, Salama Insurance, one of the many renowned health insurance companies offers a wide spectrum of health insurance plans that underline their dedication to securing the health and well-being of individuals and families across the nation.
Their comprehensive range of health insurance options includes fundamental coverage for essential medical services, along with more extensive plans that encompass specialist consultations, maternity care, dental services, and management of chronic conditions.
Salama Insurance acknowledges the paramount importance of family health, extending their coverage to the primary policyholder, their spouse, and children through comprehensive family health insurance plans.
In recognition of the unique needs of businesses, they offer tailored group health insurance solutions, ensuring employees and their families receive comprehensive care.
Furthermore, specialized insurance options are available for senior citizens, including critical illness protection, and pre-existing condition coverage, addressing specific health concerns.
Maternity and child health insurance plans cater to expectant mothers, newborns, and children, guaranteeing comprehensive coverage for prenatal, postnatal, and pediatric care.
For those who frequently travel or reside abroad, Salama Insurance’s international health insurance plans offer global coverage, assuring access to medical services worldwide.
With a focus on transparency, customer satisfaction, and ethical business practices, Salama Insurance has earned a trusted reputation in the region and is one of the most sought-after health insurance companies in the UAE.
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Watania Takaful
Watania Takaful Insurance is another of the many reputable health insurance companies in UAE, offering a comprehensive range of health insurance plans designed to cater to the diverse healthcare needs of individuals and families in the region.
Their health insurance offerings are characterized by a commitment to delivering ethical, Sharia-compliant healthcare coverage and promoting well-being. Watania Takaful’s health insurance plans accredited by DHA encompass basic health coverage, providing essential medical services such as doctor consultations, hospitalization, and prescription medications.
They also offer more comprehensive packages with additional benefits like specialist consultations, maternity coverage, dental care, and chronic condition management.
With a network of more than 1600 healthcare facilities, policyholders have the convenience to choose a suitable option that best suits their personal preferences and budget.
With a strong emphasis on customer satisfaction, transparency, and ethical business practices, Watania Takaful has positioned itself as a trusted choice for health insurance in the UAE, offering reliable and Sharia-compliant coverage that ensures the health and peace of mind of its policyholders.
For further information and queries about policy plans, you may refer to Watania Takaful’s official website.
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Daman Insurance
Established in year 2006, Daman Insurance is one of the most well-celebrated health insurance companies in UAE offering a comprehensive suite of health insurance plans that cater to the diverse healthcare needs of individuals and corporate companies in the country.
With a diverse range of plans that cater to a spectrum of healthcare needs, Daman stands as a reliable partner in ensuring access to quality medical services.
From essential coverage that includes doctor consultations and in-patient services to more extensive options encompassing specialist care, maternity benefits, dental services, and chronic condition management, Daman addresses the diverse healthcare requirements of its policyholders.
The company offers individual plans and business plans to provide essential and extensive healthcare facilities to residents, their families, domestic workers, and employees. Besides this, they provide outbound travel emergency health insurance and inbound travel emergency health insurance plans to cater to the diverse medical needs of UAE residents and visitors.
Daman has a vast network that spans more than 2000 healthcare facilities in the UAE and has a customer base of more than 2 million. Basic plans at Daman start from as low as AED 800 and include coverage for pre-existing medical conditions.
The company caters to a diverse clientele in the UAE and offers dedicated healthcare insurance plans to Dubai and Abu Dhabi visa holders. Policyholders have the freedom to customize plans according to their needs. To top it off, round-the-clock customer assistance helps customers sort out queries on the go.
For further details on plans, you may visit Daman’s official portal or contact their customer care representative.
Final Thoughts:
The importance of having health insurance in the UAE cannot be overstated, and the quest for the best health insurance companies has never been more critical.
Choosing a good health insurance company is a crucial decision with far-reaching implications for one’s well-being. Beyond the financial security, it provides, a reliable health insurance partner ensures access to quality healthcare services, offering a safety net in times of illness or emergencies.
As we explored the best health insurance companies in the UAE, it became evident that each provider brings a unique blend of comprehensive coverage, ethical practices, and a commitment to the well-being of their policyholders.
Whether it’s the Sharia-compliant offerings of Takaful Emarat, the global expertise of Cigna Insurance, the extensive network of ADNIC, or the family-centric approach of Salama Insurance, each company stands as a beacon of trust in safeguarding health.
No matter which health insurance company you choose, make sure it aligns well with your budget and personal needs. Compare the benefits and features of different policies to make an informed choice.
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