Insurance is essential for many reasons when you are a family in UAE. It is a must for all family members, especially if they have a flight or motor vehicle. It is also an essential requirement for businesses or companies. If any family member is injured or suffers a loss, insurance companies will cover the expenses and pay back what is necessary. In this blog, we will tell you about the top 10 best health insurance companies in UAE.
We will notify you about the health insurance companies in Abu Dhabi, Dubai, and Oman that come under the top 10 list. You will also learn why health insurance companies are essential for families and companies, their benefits, and how to start an insurance plan with them.
What is Health Insurance?
- Health insurance is a form of insurance that provides health coverage to individuals, family members, and companies.
- It is a form of insurance that covers medical treatment when the individual doesn’t have the money for it.
- It is a form of insurance that pays for health expenses incurred by the policyholder, such as hospitalization and medical treatment.
- There are four types of health insurance in the UAE – basic health insurance, critical illness insurance, maternity insurance, and travel insurance.
- Generally speaking, health insurance plans cover medical treatment expenses, including hospitalization, medical costs during a hospital stay, prescription drugs, dental care, and other health-related expenses.
- They also cover medical evacuation costs in emergencies such as a medical emergency or a condition causing cardiac arrest. Some plans also guarantee certain medical conditions like cancer or mental health issues.
- Finally, some plans include coverage for preventive healthcare services such as checkups and doctor’s visits.
Regarding health insurance plans in the UAE, there is a variety to choose from depending on your needs and budget. If you’re looking for affordable coverage for medical expenses, a basic health plan is a good option for you. But if you want additional benefits like maternity coverage or critical illness protection, consider purchasing an individual or family plan.
Top 10 Health Insurance Companies in UAE
The health insurance market size in the UAE is expected to reach US$ 11.8 Billion by 2028, with a CAGR of 7.32% during 2016-2028. Health insurance is essential for people looking to protect themselves against medical costs. If a person is healthy and has health insurance coverage, he can seek medical care without worrying about his finances. Several insurance companies in UAE cover a wide range of medical expenses for their customers. Popular health insurance companies in the country include NHAI and Emirates Insurance Company (EIC).
1. Al Buhaira Insurance
Al Buhaira National Insurance Company is one of the top health insurance companies in the UAE. It is based in Sharjah, UAE and is a part of Abu Dhabi National Insurance Company (ADNIC). ADNIC is one of the key health insurance providers in the country. The company offers various health insurance products, including medical, health, hospitalization, maternity, dental coverage, life insurance, and more. Its health insurance plans are provided under a variety of terms and policies to suit various needs and budgets.
The company also has a number of insurance-related services for customers, including healthcare cost management and a claims helpdesk. In addition to providing coverage for medical expenses, Al Buhaira National Insurance Company also helps its customers plan and stay financially healthy with a range of health insurance tools and resources.
Address: 6th Floor, Al Buhaira Tower, Buhaira Corniche, Sharjah
Email: care@albuhaira.com
Phone: 065174444
2. Dubai Insurance Company
Dubai Insurance Company is a leading health insurance company in UAE. It was founded in 1984 and is based in Dubai, UAE. The company offers its customers various health insurance products and services. Its health insurance plans are offered under a variety of terms and policies to suit different needs and budgets.
In addition to medical coverage, the company also provides healthcare cost management tools & resources, life insurance products, maternity coverage, dental care coverage, motorcycle accident coverage, accident benefits & more. Dubai Insurance Company also has a team of dedicated advisors who can help guide you through the entire health insurance process so you can make informed decisions.
Address: Dubai Insurance Head Office Al Rigga Road, Deira, P.O. Box 3027, Dubai – UAE
Email: customerservice@dubins.ae, info@dubins.ae
Phone: 600 599 555
3. Al Wathba National Insurance Company – Abu Dhabi
Al Wathba National Insurance Company is a health insurance provider based in Abu Dhabi that provides insurance to UAE citizens. The company is one of the leading health insurance providers in the UAE, alongside other companies such as AXA Gulf Insurance, AJNIC, Emirates Insurance Company, Oman Insurance Company, and more.
With a population of around 9.6 million, the government significantly increases regional health insurance penetration. This national health insurance program covers all residents except those working in hazardous occupations or on a U.S. visa. Residents in these professions can purchase additional health insurance plans to cover their medical expenses.
In Abu Dhabi and Dubai, the government offers health insurance coverage to all its citizens. This makes it possible for residents to take advantage of affordable healthcare options without worrying about financial constraints. However, individuals are encouraged to purchase additional coverage for more comprehensive benefits and protections. This is particularly important for those working in high-risk jobs or with a family history of medical conditions such as cancer or heart disease.
Address: Al Wathba National Ins. Bldg, Najda St. P.O Box: 45154, Abu Dhabi, UAE
Email: customercare@awnic.com
Phone: 600 544 040
4. Emirates Insurance Co
Emirates Insurance Co. is a leading health insurance provider in the UAE, offering a wide range of health insurance plans to meet the needs of all groups and budgets. The company’s health insurance plans cover a range of services, including diagnosis and treatment for illnesses, psychiatric care, rehabilitation, therapy, emergency transportation, and in-patient management.
While all health insurance plans offered by Emirates Insurance Co. include hot-line services, maternity benefits, and emergency transportation coverage, some plans also offer additional benefits such as cancer treatment and work-related injuries coverage. All health insurance plans offered by Emirates Insurance Co. have a deductible ranging from USD 200 to USD 2000 per medical claim, with a maximum benefit of USD 5000 per medical claim.
Some plans also provide a 10% discount for family members who are three or more people. In addition to providing medical insurance coverage for medical costs not covered by insurance or other financial assistance policies, health insurance plans can also help manage health care costs by providing access to treatment without requiring individuals to incur out-of-pocket expenses upfront.
Address: Al Zahiya (Tourist Club Area), P.O.Box: 3856, Abu Dhabi, United Arab Emirates
Email: info@eminsco.com
Phone: +971 2 6440 400
5. Tawasul Insurance Services LLC
Tawasul Insurance Services LLC is a health insurance provider in the United Arab Emirates. It offers a wide range of health insurance plans, including coverage for optical treatments like glasses and contact lenses.
Tawasul Insurance Services LLC is a company that works hard to ensure its customers are fully covered when it comes to healthcare needs. As a result, it can cover various medical expenses, including hospitalization, medical insurance, and prescription costs.
The company also has plans that cover various family members, such as spouses and children. So whether you are looking for individual or family health insurance plans, Tawasul has something that meets your needs and budget.
Address: Office # 803, Al Dhaheri Building (Lulu Center) Salam, Street, P.O.BOX 106119 – Abu Dhabi
Email: inquire@tawasulinsurance.ae
Phone: 02 643 4331
6. Sukoon Insurance (previously Oman Insurance)
Sukoon Insurance is a top insurance provider in the UAE with a long service history to premium clients. The company offers a range of insurance products, including individual, family, business, and corporate insurance packages. It is also located in Warba Centre, 2nd Floor in the Deira area of Dubai.
Sukoon Insurance is chaired by H.H. Sheikh Ahmed Bin Saeed Al Maktoum, making it one of the leading insurance providers in the country. Its longevity and expertise make it a reliable choice for all insurance needs.
Address: Omar Bin Al Khattab Street, Next to Al Ghurair Mal, Deira, P.O. Box 5209, Dubai, United Arab Emirates
Email: service@sukoon.com, complaints@sukoon.com
Phone: +971 4 233 7777
7. Pacific Prime Dubai
Pacific Prime is a health insurance company that provides a variety of health insurance plans, including medical and work-related injuries. It has a wide range of insurance options to meet the needs of all types of individuals and families. The company specializes in providing health insurance coverage for both individuals and families. It offers a variety of health insurance plans, including medical and work-related injuries.
Address: 10th Floor, Platinum Tower, Cluster I, Jumeirah Lakes Towers, Dubai, UAE
Phone: +971 (0)42 793 800
8. National Life & General Insurance Company SAOG
National Life & General Insurance Company SAOG is a leading insurance company based in Oman offering health insurance policies to residents. The company is known for its range of health plans, which are reinsured by international firms such as Munich Re and Swiss Re. These policies provide members access to various health plans that suit different needs and budgets.
In addition to health insurance, National Life & General Insurance Company SAOG offers other insurance products, including travel, vehicle, home and commercial insurance policies. As a result, it is one of the best health insurance options for people in Oman looking for a reliable insurance provider with diverse coverage options.
Address: Office Number-803, The Opus by Omniyat, Al A’amal Street, Business Bay, Dubai, United Arab Emirates
Email: info.dxb@nlicgulf.com
Phone: +971 43961331
9. GIG Gulf
GIG Gulf is a health insurance company providing members worldwide access to over 3,000 medical providers across all medical specialities. It is one of the top companies in the UAE and offers a wide range of health insurance plans, from basic coverage to travel medical and health insurance for ex-pats. GIG Gulf also provides instant worldwide medical assistance to its customers, including emergency medical and medical evacuation services.
Address: Building 11 A&B, National Consultative Council Complex, Delma Street – 13th St, Abu Dhabi
Phone: +971 4 5074085
10. Insurance Hub
Insurance Hub is a health insurance provider offering various health insurance services, including diagnosis and treatment for illnesses, psychiatric care, and emergency transportation. The company is based in the UAE, with a population of nearly 9.6 million, making it a reliable health insurance provider for all citizens seeking medical coverage.
Insurance Hub has an extensive network of over 2,000 healthcare providers nationwide, providing in-patient and out-patient services. The company’s health insurance plans are designed to meet a range of health insurance needs, including individuals seeking basic medical coverage or those requiring more comprehensive coverage.
Abu Dhabi
Address: Al Wahda Commercial Tower, Al Wahda Mall, Hazza Bin Zayed St, Old Airport Rd – Haza Bin Zayed St, Abu Dhabi City – Abu Dhabi
Email: info@insurancehub.ae
Phone: +97124911112
Dubai
Address: Office# 502, 5th Floor, Al Barsha Business Center, Al Barsha, Dubai, United Arab Emirates.
Conclusion
It is a must to have health insurance in UAE because medical expenses can be a lot. If your health insurance covers medical expenses, you will be saved a lot of money and time. Not having health insurance is a risk, as companies might not cover medical expenses if you are hospitalized. Health insurance while living in UAE is essential as medical expenses can be expensive. The top companies mentioned above have a range of the best health insurance plans in the UAE.
FAQ – Top 10 Health Insurance Companies in UAE
How much does health insurance cost in UAE?
The average medical insurance cost in UAE is AED 10,000 per annum. The costs of health insurance policies vary depending on the coverage and benefits offered. Several health insurance companies in Sharjah offer a range of services, such as maternity care, pediatric care, and emergency medical coverage.
Health insurance companies in UAE offer different plans for individuals, families, domestic workers, and groups of employees. Worldwide coverage and Covid-19 cover are available from select insurers.
What is basic health insurance in UAE?
A health insurance plan is mandatory in UAE if you live in Dubai or Abu Dhabi. Plans offered by DHA (the health authority for these emirates) cover a wide range of medical services, including diagnosis and treatment for illnesses and conditions, psychiatric care, rehabilitation, therapy, emergency transportation, in-patient management, maternity care, and dental care.
Additionally, critical illness cover benefits of the plans include a coverage amount of AED 500,000. This means you will be fully covered for up to 32 critical illnesses with a total payout of AED 1 million.
Preventive services such as vaccination are also covered per DHA’s guidelines. Finally, most basic health insurance plans in UAE include access to world-renowned specialists and financial protection for diagnostic tests, maternity cover, physiotherapy, and more.
How to get health insurance in UAE?
Health insurance is mandatory for all UAE residents, and companies should arrange health insurance coverage for their staff. The government provides health insurance for citizens of Abu Dhabi and Dubai. Various health insurance providers are available in the UAE, such as AXA Gulf Insurance, Abu Dhabi National Insurance Company (ADNIC), Emirates Insurance Company, and Oman Insurance Company. Health insurance plans include services such as diagnosis and treatment for illnesses and conditions, psychiatric care, rehabilitation, therapy, emergency transportation, in-patient management, maternity, dental care, etc.
Do I need health insurance in UAE?
According to Dubai Health Authority, health insurance is mandatory in UAE. Health insurance companies offer a variety of plans that are tailored to suit individual needs and budgets. Employees and dependents must also have health insurance from their employers or sponsors. The best way to find health insurance options is by reading up on different providers and comparing prices before deciding.
What is the most expensive health insurance?
According to a study by Insure.com, the most expensive health insurance is international health insurance policies which are generally more costly than local/domestic policies. The cost of a global health insurance policy depends on a few factors- such as age, where you live and the cost of private healthcare in the area.
For example, according to the search result, the average premium for an individual for a single year of coverage was U.S. $3,470 in 2020. According to a search result, medical insurance in Dubai costs AED 10,000 per annum.
How can I make my health insurance cheaper?
There are a few ways that you can make your health insurance cheaper.
First, you can tailor your health insurance plan to reduce premiums without compromising coverage. For example, if you have a pre-existing medical condition, you may get health insurance that excludes coverage.
Second, your age and where you live are two key determining factors in calculating premiums. For example, older people usually pay a higher premium than younger people because they are more likely to experience health problems. And finally, depending on your health insurance provider, you can also receive discounts for being a member of a particular professional group (like a union), having a high-risk job, or living in a specific geographic area.
As for basic coverage and optional extras, if you find that you’re spending a lot of money on healthcare costs each month but still don’t feel completely comfortable with your health insurance plan, it might be a good idea to add optional extra coverage like maternity care, dental insurance, vision insurance, etc. Doing so will help to keep costs down while still providing adequate coverage.
Lastly, consider opting for local/domestic health insurance plans, usually cheaper than international ones. By doing so, you’ll be supporting companies and economies within
Can I have 2 health insurances in UAE?
Yes, it is possible to have two health insurance policies in the UAE. The main reason behind doing this is that it is compulsory to have health insurance in Dubai and Abu Dhabi. Companies offering health insurance in UAE include Adamjee Insurance, American Life Insurance Company and Oman Insurance Company. Furthermore, additional benefits such as dental services, wellness benefits, optical, alternate medicine, and psychiatric treatment can be added to plans.
Third-Party Administrators (TPAs) are responsible for processing health insurance claims. By having multiple health insurance policies, you can save on premiums since each policy will have a different provider and insurer. However, it is important to note that the premiums for having two health insurance policies may increase.
