As the world is evolving every day, our lifestyle is seeing a rapid change every day. As we need to go hand in hand to the changes in our lifestyle, we also need to be aware of all the uncertainties that arise out of those changes that we come across in our life. Hence, to stay protected we need to decide the right health insurance in Dubai that will suffice all our medical needs and expenses.
Check: Health Insurance options for salary less than AED 5000
We have come up with a list of top Health Insurance companies in Dubai & UAE, that will help you decide which insurance provider is the best for you and your family.
Following is the list that will provide you the guidance and help, when it comes to medical insurance:
1. AXA Gulf Insurance
AXA insurance provides you with the best medical care and protects your family against any injury or illness whether you are travelling abroad or staying in your home country. AXA Insurance has tie-ups with the best hospitals abroad and doesn’t leave any page unturned when it comes to the protection of your health. AXA health insurance has come up with various plans like International plans, regional plans, local plans, and essential benefits plan. Following are the benefits that you can avail with AXA health insurance:
- Get an instant cover on your health insurance
- You can claim your insurance at any time of the day or week.
- You can also get fair and fast claims with AXA
- AXA has an extensive network around the world.
- This insurance also comes with many ranges of covers.
- You can avail the ‘wellbeing’ telephone service with this insurance.
- Get worldwide medical emergency assistance.
- You can avail personal accident cover with this insurance.
- You can also avail dental cover with this insurance.
AXA Gulf Insurance provides easy access to health treatments and direct settlements of claims with its 3,000 providers around the UAE and more than 800,000 providers across the globe.
Provides coverage on various healthcare services such as investigations and treatments of cancer and Viral hepatitis and related complications. This applies for cases eligible for and enrolled under the DHA launched Patient Support Program. However, the coverage would be as per the terms and conditions of the program.
It provides 24/7 support from dedicated multilingual customer service professionals and has efficient online reimbursement of claims systems.
You can access MYAXA app and access your health care details and requirements. It also provides you with an electronic healthcare card.
To know more about this insurance, visit AXA Gulf Health Insurance
2. Abu Dhabi National Insurance Company(ADNIC)
The insurance policy by ADNIC is known as SHIFA medical insurance. This insurance provides the facility of direct billing, which gives reassurance to your family. SHIFA also a special plan for its Dubai residents. If the Dubai residents avail their special benefits plan online, they can also avail a special discount. SHIFA plan gives you the following benefits:
- You can get your annual limit covered for any chronic or pre-existing medical condition.
- You can medical expenses for any illness during work or any injuries that you incur during your work.
- You can avail direct billing facility in over 197 countries.
- You can avail maternity claim up to your annual limit.
- You get an annual limit of AED 5 million.
- You can also avail optical covers with this card.
- There is an option of optical dental cover with this card.
- You also get reimbursement of your claims outside ADNIC network.
It provides medical plans that include major health coverage such as organ transplant, home nursing and alternative medicine. It also provides services related to medical emergencies and 24/7 multilingual helpline services.
To know more about this insurance, you can visit ADNIC Health Insurance
Also, Check: Group Health Insurance options in Dubai
3. Emirates Insurance Company
This is one of the authorized insurance companies in Abu Dhabi for medical insurance. This insurance company follows the norms of the Health Insurance law in Abu Dhabi and is also licensed to participate in the health program in Dubai. This program comes with two plans that are basic and enhanced. You can improve your plans according to your need and requirement and should be applicable under Health insurance law of Abu Dhabi. The medical insurance policy is divided into the following plans:
- The basic plan, which is aimed to provide help to blue-collar workers.
- The standard plan, which is basically for families
- Enhanced plan, which is according to your need and requirement.
- VIP plan, which also includes an international cover.
Emirates insurance company provides group life insurance, medical insurance and workmen’s compensation or employers liability insurance. These are designed specially to provide protection to health and provide life insurance coverage. The cover is provided against death, permanent or partial disability due to illness or accident, medical and repatriation expenses.
It offers basic plan, enhanced plan, annual limit and territorial limit cover under group medical insurance. These health insurance schemes can be made according to the patient requirements but subjected to compliance with Health insurance laws. The health coverage also provides coverage on work-related injuries where the compensation is payable by employer to employee.
To know more about this insurance policy, visit EMINSCO Health Insurance
4. Ras Al Khaimah National Insurance Company
This health insurance company provides insurance plans according to the user’s requirement. RAK insurance uses third party assistance that allows individuals as well as organizations to have access for 24 hours throughout the week, and receive the best feedback for their queries. With RAK insurance you can avail a direct billing option through a wide range of RAK’s network. With direct billing, it becomes convenient for the customers during an emergency situation or during any reimbursement of any of your medical bills, depending upon your geographical area.
This health insurance can be availed by any person who has a salary of up to AED 20000 per month.
Along with insurance product benefits RAK insurance offers Everest Pro which is an innovative single premium product underwritten by RAK Insurance. It is available for one-off investments given for a limited period of time. This product is available only for RAK customers and the main goal is to provide a chance to gain upside benefits if the market rises and it offers minimum guaranteed benefits at policy maturity.
To avail this insurance, you can visit RAK Medical Insurance
5. Dubai Islamic Insurance & Reinsurance Co.
This insurance is also known as AMAN insurance. This company was established in the year 2002 and is also a national shareholders company. AMAN has been an active player in providing medical plans with nominal costs and wide coverage. This insurance also covers the most modern elements of insurance. The coverage of this medical insurance includes:
- Medical centers and clinics
- Admission to best hospitals.
- Fast claim settlements.
- Clearly set out principles
Aman insurance provides health insurance policies such as Al Shamel, Wiqaya, Himaya, Mo’azara and Sanad. In life insurance, it offers Family Takaful, SME Family Takaful and Banca Takaful insurance.
To know more about this insurance, you can visit Dubai Islamic Insurance & Reinsurance Co. Healthcare
6. Oman Insurance Company
Oman insurance company is one of the top health insurance companies in Dubai. When it comes to providing health, Oman Insurance Company follows all the norms of the Dubai Health Authority. This insurance also includes domestic help, drivers, dependents of sponsors. This insurance also provides health insurance for companies with less than 100 individuals. Following are the benefits of this insurance:
- This insurance is very easy to apply.
- AED 525 is charged for domestic staff
- You can also avail direct billing for outpatients and inpatients.
- This insurance also covers all chronic and pre-existing diseases.
- This insurance covers all states in Emirates, except for Abu Dhabi where only emergency cases can be covered.
Oman Insurance Company provides protection to life, property, health and your family. It offers DHA Healthcare plans and purchases Dubai mandatory health plan for your family members and house help to get instant coverage. It offers Digi Term for term insurance and Digi CI for critical illness coverage.
It offers you the flexibility to buy one of the health insurance products or combine the benefits of two or more products and get a comprehensive cover. You can purchase covers up to AED 1 million. The smooth process involves minimum documentation, quick policy approval and receipt of policy documents on your registered email address immediately after approval.
To know more about this insurance, you can visit Oman Health Insurance
7. Daman Health Insurance
Having tie-ups with various health care centers globally, Daman Health insurance offers a wide range of benefits to the insurance holders. They provide services to individuals, families, and also to low-income members. They have a good network with 2000 health providers in the UAE region. In the Individual health insurance policy, they offer four different plans that suit the territorial requirements of the policyholders. This is one of the cheapest health insurance in Dubai.
- Plan starts from AED 2108
- Can get treatment from 3000+ healthcare providers
- Providers services worldwide
- All the plans cover pre-existing medical conditions
- Provides out-patient benefits
- Can avail optical, dental benefits
- Can cover pharmaceutical bills
Daman Health Insurance is the leading health insurance specialist in the UAE. Since 2006, It has been striving to make the UAE a healthier, happier community. Daman Health Insurance covers more than 2000+ hospitals and clinics in UAE. About 2.5 million people have chosen this policy. Daman Health Insurance has organised over 300 yearly fitness events. This Insurance provider has been consistently voted as No.1 Health Insurance company.
To know more about this insurance, visit Daman Health Insurance
8. MetLife Individual Medical Plan
Metlife provides an affordable individual medical plan. It provides coverage to salaried individuals, self-employed and also sponsored dependents in the UAE. This medical plan was approved by the Dubai Health Authority(DHA).
- Can get medical visits to a general physician in the UAE
- Can get treatments from a wide range of medical centers, hospitals, in the UAE
- Can get coverage on the pharmacy bills
- Can get coverage for emergency medical treatments as well
- Provides coverage for preventive services i.e. vaccines that are mandated by DHA
MetLife Individual Medical Plan provides critical illness protection against 32 illnesses. It provides full coverage including stroke and cancer. LumpsSum payment upon diagnosis of one of up to 32 common critical illnesses. Provides Holistic financial support in the case of hospitalization. Provides access to the best medical treatment in the world outside of the Gulf.
To know more about this insurance, visit MetLife Individual Medical Plan
Above mentioned are the top health insurance companies in Dubai and other emirates in the UAE. They are available for individuals with various benefits. Make the best choice and be safe.
Manasa Netrakanti is an avid traveler and writer. Throughout her life, she has travelled to various states across the country and has also been acquainted with various languages and culture. She loves to read various books on Mythology fiction and autobiographies. Manasa wishes to become an author someday, who can inspire the world with her writing.
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