10 Best health insurance companies in Dubai for all

0
20
health insurance companies in Dubai

Dubai is one of the cities in the world with a strong health system and facilities. Most health care providers, including hospitals, clinics, and pharmacies, provide world-class medical care. Health insurance companies in Dubai have a crucial role to play in public health.

As you know UAE is not the cheaper place to live, the cost of medical expenses can be higher than your affordability, so health insurance Dubai is an important thing for everyone.

There are more than 150 insurance companies have registered in the DHA (Dubai Health Authority) for providing the health insurance services to the UAE national and Expat residents.

Benefits and features of health insurance in the UAE. 

  1. Cashless payment: Every health insurance company in Dubai has its own healthcare network, such as hospitals and clinics. If you get sick and go to the network hospitals or health care facilities, you need to provide your insurance number and then treat yourself without paying for it.

However, if the bill exceeds insurance coverage you will need to pay this to the hospital or clinic.

2. Pre and post-hospitalization coverage: The health insurance policy also covers the pre-and post-hospital expenses of the policyholder as defined in the policy.

3.  Free medical check-up: If the insured need to visit the hospital for routine doctor follow-up, the best insurance package includes these costs too.

4. Transportation and room rent: Some insurance provider covers the ambulance and ward charges.

5. No claim bonuses: The insurance policy is valid for 1 year, it needs to renew when it expires. If you are not sick and do not claim any medical benefits from the insurance company for a year, you will receive bonuses, such as a reduction in the premium cost or an increase in the policy coverage cap.

Types of Health insurance plan in the UAE

  1. Personal plan: Individuals buy an insurance plan that covers medical expenses when they get sick.
  2. Family insurance: This is another type of insurance coverage for people living with their families. Instead of purchasing an insurance plan for each family member, you can insured your entire family under a plan. The insurance provider will charge a little bit higher but it pays the medical expenses of your family
  3. Group insurance: It is the most popular health insurance plan for the organizations. A company can insured all the employees. If the company has a workforce of 100, the insurance plan covers the medical expenses of all employees.
  4. Senior Citizen Health Insurance: Those over 60 years old can purchase this insurance scheme, but only the few insurance providers offer this plan. Much of the old-age insurance package has reduced premium rates.

Best health insurance companies in Dubai

  1. Noor Takaful Insurance;

It is an Islamic insurance company based in Dubai that offers life and non-life insurance services. The firm provides a range of choices that individuals or companies can select as their requirements.

Benefits and features 

    • More than 1600 healthcare facilities.
    • Accidental death coverage.
    • Competitive premium price
    • Yearly benefit limit of AED 150,000
    • Examination Services 20%
    • Laboratory Services 20%
    • Prescription Drugs AED 1500 annually.
  1. Salama Insurance health;

It is one of the leading companies in the UAE market and has been providing insurance services since 1979. Salama is a local insurance firm in the UAE that has had public trust for the last 40 years.

Benefits and features 

    • affordable health plan
    • superior quality and operational excellence
    • Inpatient and Daycare Benefit
    • Outpatient benefit
    • Maternity plan
    • Dental
    • Vision care plan (Eyes)
    • Mental and health behavior plan.

3. Orient Health Insurance;

The company is a subsidiary of the largest conglomerate of the Majid Al Futtaim Group in the UAE and founded in 1982. Orient Health is the most sought-after agency among foreign nationals residing in Dubai.

Benefits and features 

    • Group and individuals plan
    • Coverage of critical illnesses
    • Worldwide coverage
    • Maternity benefits

4. Union Health Insurance;

The company was founded in 1998 headquartered in Dubai, it is one of the leading insurance firms in the Gulf region.

Benefits and features 

    • Affordable premium rate
    • direct billing access at 1600+ facilities
    • 24/7 customer support
    •  flexible insurance plans
    • the basic plan in compliance with the DHA for employees

5. Metlife UAE;

It’s an American international insurance corporation that has been presented all over the world. The company has been providing life and non-life insurance services in the UAE.

Benefits and features 

    • Inpatient and outpatient benefits
    • Nearly 3,000 medical providers across the Gulf.
    • Worldwide coverage
    • Competitive pricing
    • Hospital cash reimbursement benefit
    • Dental Benefits
    • Optical coverage
    • Maternity Benefits

6. Alliance Insurance;

It is the most popular insurance company in Dubai established in 1975. Alliance has been providing premium insurance to individuals, government bodies, and private corporations. Dubai tourism board has recommended this firm for the retiree insurance in Dubai.

Benefits and features 

    • Choice of multiple plans (individuals and group)
    • Network for Direct Billing Settlement of your medical claims
    • Local or Worldwide Cover
    • An annual aggregate limit of AED 250,000
    • In-Patient, Day Care & Out-Patient cover
    • Stress Management Cover
    • Repatriation

7. ADNIC;

It is another insurance firm that has listed on the Dubai tourism board for retiree insurance. More than 45 years of experience in the insurance field the company has a history of fast track resolvement. ADNIC offer various other insurance solution, expect medical insurance to the individuals and corporation.

Benefits and features 

    • Various types of options ( Basic, Silver, gold, platinum)
    • Emergency Medical Evacuation
    • Worldwide Cover
    • An annual aggregate limit of AED 250,000
    • In-Patient, Day Care & Out-Patient cover
    • NAS General Network (including mediclinic providers)
    • Physiotherapy
    • Home nursing
    • Organ transplant & alternative treatments
    • Second medical opinion
    • Stress management assessment, counseling, and referral
    • Chronic disease management program

8. Cigna Health; 

It one of the global health insurance company has presented in the Middle East, APAC, Europ, and North America. In the UAE the company has been providing health and other non-life insurance solution to a person and organization. As an international health insurance firm the insureds can claim their medical expenses worldwide.

Benefits and features 

    • Global coverage
    • quality and personalized healthcare
    • Simple and timely claim settlements
    • 1.5 million global healthcare centers
    • Physiotherapy, Osteopathy & Chiropractic
    • Hypertension and Type-2 Diabetes
    • Corrective or restorative eyesight procedures
    • Cancer
    • Mental healthcare

9. Integra Global;

Integra global and Dubai insurances are the partner in the UAE but the multinational insurance company offers attractive health insurance to the individuals and the organization worldwide.

Benefits and features 

    • Global Coverage
    • Comprehensive Health Plan
    • 1,000 medical providers in the UAE and GCC
    • Pre and post hospitalization coverage
    • Various insurance plan
    • Quick settlement

10. Daman National Health Insurance; 

It is a leading insurance company in the UAE, with 80% ownership of the Abu Dhabi government. The company provides comprehensive medical insurance to 2.5 million people in the UAE. Daman offers various insurance choices including domestic helper insurance, family insurance, and group insurance to the organization for their employees.

Benefits and features 

    • offers vital health insurance coverage.
    • Covers inpatient, outpatient, and emergency services.
    • Plans starting from as low as AED 615 per year.
    • Comprehensive plans and worldwide benefits and
    • Access to over 2,000 health care providers in the UAE.
Conclusion; 

If you are planning to buy the health insurance plan in the UAE whether personally or on behalf of the organization these are the best health insurance companies in Dubai. They are not only popular among the UAE national but also ex-pat resident.

Health insurance in Nepal.   

Hello, everyone, I am Ranga Singh the founder of closecareer.com. For the past 17yrs, I worked in aboard. Now, I have been researching the job market, especially in the Gulf region. The main purpose of the website is to give information, advice, and guidance to the people about the job, education visa and travel. I want to support young people for a happy and successful career.