Best Family Health Insurance Plans Dubai

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Things to consider when choosing a family health insurance company

Compare prices from multiple health insurance companies to ensure that you get a fair price.

Understand the features and benefits of each plan and decide what suits your requirement best.

The insurer's reputation for handling claims is one of the most important criteria & should be considered when buying health insurance.

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Best Family health insurance companies in the UAE

There are many family health insurance service providers in the UAE that you can choose from:

Al Hilal Takaful / Yas Takaful
Salama Islamic Insurance
Takaful Emarat
Dar Takaful
Noor Takaful
Orient Unb Takaful
Aman Insurance
Abudhabi National Takaful
Adnic
Saico - Daman
Al Buhaira Insurance
Al Ittihad Al Watani
Al Sagr Insurance
Arab Orient

Ascana
Axa
Daman
Dubai Insurance
Emirates Insurance
Fujairah Insurance
National Life And General
Ngi
Oman Insurance
Qatar Insurance
Rak Insurance
Union Insurance
United Insurance
Dnirc

New India Assurance
Medgulf
Oriental Insurance
Arabia Insurance
Metlife
Expacare
Hanser Merkur
Aetna
Allianz
Bupa
Now Health
Morgan Price
Maxhealth
Cigna

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What is family health insurance?

Health insurance, like most insurance, provides protection for your wellbeing. Like car insurance, it is mandatory in the UAE. This ensures that citizens and residents are provided for in case of medical emergencies.

Furthermore, in Dubai especially, employers are expected to provide basic health insurance as part of the employment contract. This basic minimum requirement of health insurance, Essential Benefits Plan (EBP), falls under the Dubai Health Authority. It is also the minimum requirement for resident visa approval, and the sponsor must apply for it for their family members.

Citizens have the choice of applying for private health insurance or national health insurance, SAADA. These are offered by the government of Dubai and are regulated and supervised by the Dubai Health Authority. This option is also available to UAE citizens, working or residing in Dubai.

Types of health insurance in UAE

Below are the types of health insurance plans available in the UAE

Essentials Benefit Plan

As mentioned before this is the minimum amount of health insurance required by the government. Every resident and citizen must have at least the EBP policy. However, this cover is valid for those residents in Dubai earning less than AED 4000 per month. Though EBP is basic healthcare it provides coverage for medical emergencies, in and out-patient consultations, drugs, as well as maternity coverage. It is prudent to note that these coverages come with restrictions and limitations due to the EBP being a basic package.

SANAD

Unlike EBP or even traditional insurance, SANAD is designed for the dependents of Dubai residents who have no means of income of their own. It is easy to obtain and doesn’t require more than a resident visa as proof of residence and dependency documents.

Individual or Group Plans

Health insurance plans can be acquired for individuals or a group of individuals. Depending on pre-existing conditions, the nature of work, and a few other factors the premium may vary. Additional features or benefits can also be added to the policy which may impact the premium.

Family Plans

Family plans cover a set number of family members and can be quite budget-friendly depending on how much coverage is demanded. Some plans may include additional covers like maternity and childcare.

Family Health Insurance Policy Inclusions

Since health insurance is so closely monitored by the Insurance Authority of UAE, certain criteria need to be followed by all insurance companies in their policies:

Hospital Stay

Ambulance

Vaccines

Lab Tests

Medicine

Family Health insurance policy exclusions

Though predominantly inclusive of most medical procedures, there are some exclusions to health insurance policies that are outlined. These are not provided for under insurance but can be gotten by paying for them. However, the cost will not be compensated.

Inessential Operations

Fat-Loss Procedures

Cosmetic procedures

Dental and optical care

Self-harm

Waiting period for maternity and pre-existing conditions

How to file a family health insurance claim?

Filing a health insurance claim is a fairly simple process. There are two ways to make a claim for family health insurance - within or outside the hospital network. Network hospitals are medical institutions to which the insurance provider has direct links.

Within Network Hospital

As mentioned above, insurance providers partner with several hospitals, medical institutions, and clinics. This makes the claims process simple and no cash transactions need to be made by the policyholder. They simply have to show their health insurance card to the hospital staff and their claims are handled directly between the insurance company and hospital. Of course, these claims are limited to the stipulations of the policy. If procedures are performed that exceed the limit or are not included in the policy then those will have to be paid by the policyholder out-of-pocket.

Outside Network Hospital

The only difference here is that the policyholder is required to pay out-of-pocket and submit for reimbursement from their insurance provider. More leg work is required by the policyholder in this claims process because they need to submit medical bills, case history, etc as proof of claim. Like within-hospital network claims, they are limited to the stipulations of the policy.

FAQs

Is health insurance mandatory in the UAE?

Yes, it is. In fact, the UAE government is so dedicated to health insurance for everyone that they have government-sponsored ...

Yes, it is. In fact, the UAE government is so dedicated to health insurance for everyone that they have government-sponsored health insurance available for residents and nationals alike.

Should I disclose my pre-existing conditions?

Yes. It is true that pre-existing conditions, including maternity care and chronic pain, are not covered in health insurance ...

Yes. It is true that pre-existing conditions, including maternity care and chronic pain, are not covered in health insurance policies in the first six months. However, if you fail to disclose a pre-existing condition it can deem your entire policy null and void. Insurance providers determine your policy according to your specific needs. If you do not declare pre-existing conditions, or give an accurate accou

Can I cancel my health insurance without any charge?

There is a provision in the UAE that offers a grace period in which a policyholder can cancel their policy and get their full ...

There is a provision in the UAE that offers a grace period in which a policyholder can cancel their policy and get their full premium back. This, of course, is only possible if the policyholder has made no claims on that policy.

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