Finding the right health insurance in the UAE can be a daunting task, given the plethora of options available. To help you make an informed decision, we have compiled a list of the top health insurance providers in the UAE, highlighting their key features and benefits.
1. Sukoon Insurance
Sukoon Insurance is renowned for its comprehensive health insurance plans. Known for its core values of collaboration, customer first, integrity, and excellence, Sukoon offers a wide network of healthcare providers and easy claim processes.
Key Features:
- Coverage for individuals and families
- Plans include HealthPlus and DHA EBP
- Global and local coverage
- Online portal for managing plans
- Maternity and newborn coverage
- Six comprehensive plans ranging from AED 150,000 to AED 5,000,000
- Low annual costs starting from AED 560
- Direct payment to over 1,500 healthcare providers
- Coverage for chronic and pre-existing conditions
Official Website: Best Medical & Health Insurance Company in Dubai, UAE – Sukoon Insurance
2. Dubai Insurance Company (DIC)
Dubai Insurance Company (DIC) offers top-notch health insurance for Dubai and Northern Emirates visa holders. Established by His Highness Late Sheikh Rashid Al Maktoum, DIC is known for its easy claim procedures and affordable premiums.
Key Features:
- Emergency support round-the-clock
- Premium rates starting from AED 525
- Coverage for investigation, diagnosis, and treatment services
- Cancer screening and treatment coverage
- Hassle-free claim procedure
Official Website: Dubai Insurance (dubins.ae)
3. Takaful Emarat
Established in 2008, Takaful Emarat is a pioneer in the Islamic insurance sector. Offering a range of comprehensive health insurance solutions, Takaful Emarat ensures enhanced medical coverage across the Emirates of Abu Dhabi and Dubai.
Key Features:
- Prescription drug coverage up to AED 15,000
- Dental benefits up to AED 3,000
- Optional optical coverage up to AED 1,500
- Network includes NAS, Mednet, NextCare, and E Care
- Worldwide coverage
- Hassle-free claim process
Official Website: Comprehensive Health Insurance Plans in UAE | Takaful Emarat
4. Orient Insurance
Orient Insurance is a customer-oriented provider known for innovative risk solutions and comprehensive health coverage. With plans covering up to 37 serious illnesses, Orient Insurance offers flexible premium payment options and global coverage.
Key Features:
- Coverage for heart attack, kidney failure, major organ transplants, and more
- Lump sum payment after 28 days of diagnosis
- Family member coverage at a fixed sum insured
- Global coverage options
Official Website: Insurance UAE
5. Cigna
Cigna Middle East is part of Cigna Corporation, offering a variety of comprehensive health insurance policies globally. Known for excellent customer service and quick query resolution, Cigna provides robust coverage options.
Key Features:
- 24/7 multilingual customer service
- Coverage for inpatient and outpatient treatments, maternity benefits, mental health, and prescribed drugs
- Healthguard plans with DHA compliance
- Coverage for chronic and pre-existing conditions
Official Website: International Health Insurance in the UAE & Dubai | Cigna Global
6. Abu Dhabi National Insurance Company (ADNIC)
Founded in 1972, ADNIC is a leading regional multi-line insurer offering extensive local and international cover. ADNIC provides a range of plans designed to cater to different healthcare needs.
Key Features:
- Easy claim filing process
- Platinum plan for global inpatient and outpatient care
- Gold plan for international coverage excluding the US and Canada
- Silver plan for international coverage excluding the US, Canada, and Europe
- Bronze plan for UAE-wide coverage
Official Website: Health Insurance Dubai| ADNIC – Abu Dhabi National Insurance Company
7. Salama Islamic Arab Insurance Co.
Salama is the leading provider of Shariah-compliant insurance solutions in the UAE. Offering Essential and Enhanced Benefit Plans, Salama provides comprehensive coverage for various healthcare needs.
Key Features:
- Direct billing network
- Quick medi-claim settlement
- Flexible and affordable plans
- International emergency assistance
- Coverage for chronic medical conditions and routine dental care
Official Website: Buy Health Insurance | Medical Insurance in UAE | SALAMA Insurance
8. Watania Takaful
Established in 2008, Watania Takaful offers comprehensive health insurance plans designed to cover emergencies and provide extensive health benefits.
Key Features:
- Homeland treatments
- Accidental death coverage
- Coverage at over 1,600 care centres
- Prenatal and childbirth cover
- Chronic care management program
Official Website: Medical Takaful (watania.ae)
9. Daman Insurance
Part of PureHealth, Daman Insurance integrates cutting-edge technology with healthcare expertise to offer innovative health insurance solutions.
Key Features:
- Extensive plans with optional global coverage
- Coverage for emergency, maternity, outpatient, and inpatient care
- Access to over 3,000 healthcare providers in the UAE
- Teleconsultation services via the Daman app
Official Website: Daman (damanhealth.ae)
Why Compare Health Insurance Companies in the UAE?
Comparing health insurance providers helps you find the best coverage at the most affordable rates. Key factors to consider include:
- Coverage Options: Ensure a wide range of services including inpatient and outpatient care, maternity, dental, and optical treatments.
- Network of Providers: Access to a broad network of hospitals and clinics.
- Policy Exclusions: Understand any exclusions or conditions that may affect your coverage.
- Premiums and Deductibles: Compare costs to find the best value for your budget.
- Add-On Benefits: Look for additional benefits or riders to enhance your policy.
- Claim Process: Ensure an easy and quick claim settlement process.
- Customer Service: Evaluate the quality of customer support and available channels for assistance.
Conclusion
Choosing the right health insurance in the UAE is crucial for ensuring access to quality healthcare. By comparing the top providers and their offerings, you can make an informed decision that best meets your healthcare needs and budget.