Medical Insurance Companies in Dubai
Get the Best Insurance Plan that fits for Your Need
Introduction
The Health and Medical Insurance Market size of the UAE has reached a valuation of USD 10.51, and it is all set to reach a valuation of USD 18.83 billion by 2029 with 12.38% CAGR. So, you can notice how massively the market and the medical insurance companies in Dubai are growing.
Moreover, government initiatives to improve healthcare accessibility are also fueling this growth. Additionally, the demand for comprehensive coverage plans continues to rise, further driving market expansion.
Selecting the right health insurance plan in Dubai can be challenging, with several best options available in the market. To simplify the process, we have brought a list of medical insurance companies in Dubai known for excellent coverage, customer service, and affordability. Also, understand the benefits and regulations in the below sections.
Health Insurance Companies in Dubai
1) Abu Dhabi National Insurance Company
ADNIC, founded in 1972, is the top-notch local medical insurance provider in the UAE. The company offers a wide variety of insurance solutions for both individuals and employers. It is well-recognised for its flexible, customisable plans and customer support. The company has successfully gained a reputable presence in the UAE market through efficient and fast claims processing and an extensive healthcare network.
2) Bupa
Bupa, founded in 1947, is an international medical insurance provider providing the best premium healthcare coverage. Over time, the company has gained extensive international reach through its best customer support. Now, it has become one of the biggest healthcare insurers in the world. Moreover, Bupa has a robust partnership with large-scale hospitals and small clinics in the UAE and the globe.
3) Daman
Another leading health insurance service provider in the UAE is Daman, which was established in 2006. It is one of the reputed medical insurance companies in UAE with a great network of healthcare facilities in the country, offering tailored plans to both corporates and individuals. The best thing is that it has also made government partnerships, which shows its trustworthiness. You can get both basic and premium medical insurance coverage options at Daman.
4) MetLife
Dubai’s oldest and leading global insurance giant is MetLife, founded in 1868. It offers best-in-coverage customised health insurance solutions for both business corporations and individuals. Over time, it has established a great reputation for its financial stability and advanced offerings. You can explore robust digital services and wellness plan offerings at MetLife.
5) GIG Gulf
Established in 1962, it is another of the oldest regional health insurance provider offering holistic insurance plans for business organisations and individuals across the UAE. After acquiring AXA's operations in 2022, GIG Gulf delivers competitive and comprehensive plans backed by a broad healthcare network and a strong focus on customer service. The agents will customise the insurance plans to meet specific business needs.
6) Medgulf
Medgulf started in 1980, is a prominent regional medical insurance provider offering a broad range of custom insurance solutions across the UAE. Known for its cost-effective and efficient coverage options, the company offers plans ranging from basic to premium benefits and coverage. As a DHA-approved Insurer, it is authorised to sell Essential Benefit Plans (EBP), ensuring efficient claims management with fast processing.
7) Cigna
Cigna, founded in 1982 with roots tracing back to the 1700s, is currently the global leading health insurance provider. It offers flexible, comprehensive, and personalised health plans for individuals and businesses in the country. It is recognised for its innovative preventive care and wellness programs. As a DHA-approved Participating Insurer, Cigna can sell Essential Benefit Plans and offers extensive coverage both locally and internationally.
8) Orient Insurance
Established in 1982, it is one of the prominent local health insurance companies in Dubai, known for offering budget-friendly and custom health insurance plans to individuals and corporate organisations. The company provides customisable plans to suit diverse needs and has built a strong presence for its best-in-class service and fast claims processing.
9) Sukoon
Sukoon is one of the top medical insurance companies in the UAE, and it was established in 1975. It has the best insurance solutions with complete coverage for all. Known for its flexible coverage options and extensive healthcare network, Sukoon has been listed among the top providers for many decades. Till today, it has never failed to maintain a strong presence in the UAE market.
10) National Life and General Insurance Company
Established in 1995, the National Life and General Insurance Company is the topmost medical insurance provider in the UAE. NLGI offers customised plans tailored to different businesses and people's needs, with basic medical insurance to gold plans available at the best value. The coinsurance for medications, dental, and other healthcare services is 20%; on the other hand, maternity coverage has a 10% coinsurance.
11) Takaful Emarat Insurance Company
This company is among the best health insurance companies in Dubai, offering premium insurance policies with global coverage of up to AED 1 million. Health plans start at a cost-effective range for individuals. The policies include dental, optical, and physiotherapy benefits, with 10% coinsurance for maternity, 20% for dental and optical, and 15% for medications.
12) Salama Insurance
Established in 1979, Salama Insurance is a leading Sharia-compliant health insurance provider in the UAE, offering Takaful-based solutions for business owners and individuals. The company specialises in affordable, customer-focused services and boasts a wide network of hospitals and healthcare facilities across the country, making it one of the region's most trusted Takaful insurers.
Types of Health Insurance Plans available in Dubai
| Types of Health Insurance Plans | Cost (Yearly) | Coverage |
|---|---|---|
| Basic Health Coverage | AED 500 to AED 1,500 | Necessary health services and emergency care |
| Mid-Range Plans | AED 1,500 to AED 4,000 | Preventive health services and specialist consultations |
| Premium Plans | AED 10,000 to over AED 20,000 | Optical, dental, and international coverage. |
Cost of Medical Insurance in Dubai
| Insurance | Cost | Coverage |
|---|---|---|
| Family Health Insurance for up to 4 members | AED 15,000 yearly | Inpatient and outpatient services |
| Couples with Joint Medical Policy | AED 9,000 yearly | Inpatient and outpatient services, emergency services and specialist consultations |
| Health Insurance for Spouses sponsored by husbands | AED 2,727 yearly | Basic health services, which include routine check-ups and maternity care |
Note: Cost and coverage may vary based on the service provider.
Benefits of Having Health Insurance in Dubai
Legal Obligation
Health insurance is mandatory for all Dubai residents. Basic and premium coverage helps you fulfil this legal requirement.
Financial Protection
Safeguards you from the burden of high medical expenses, ensuring that emergencies don't cause financial strain.
Offers reassurance, knowing that you and your family are covered in the event of unforeseen medical issues.
Gives you access to a network of medical facilities, ensuring you receive prompt and high-quality healthcare.
How do you choose a health insurance provider in Dubai?
Provider Network
Review the list of hospitals and clinic networks and partnerships with health insurance providers in UAE to ensure they offer convenient options for you.
Costs and Deductibles
Assess the premiums and deductibles to ensure you find an affordable plan that suits your financial situation.
Understand any exclusions or limitations in coverage that may impact your access to specific treatments or services.
Consider the insurer's reputation for customer service, especially in handling claims and providing assistance.
Health Insurance Regulations in Dubai
The Dubai medical insurance law is passed so that business professionals or employers can invest in health coverage for their employees. According to the law, employees can expect a basic health plan between Dh 500 and Dh 700, and it should also include an annual premium. Moreover, employers must offer insurance coverage of a maximum of Dh 150,000 per employee yearly. This coverage ensures essential healthcare benefits within a reasonable cost range.
This cost is not meant to be deductible from the salary of the employees. This law is applied to every region of Dubai, including the free-trade zones.
Frequently Asked Questions on medical insurance companies
How do I choose a health insurance provider in Dubai?
Do market research on top insurance providers, evaluate their reputation and credibility along with their financial stability, and check customer reviews.
Is medical insurance mandatory for Emirates ID?
Yes, medical insurance is mandatory for Emirates ID. Your insurance provider will link the plan to your ID.
Is it possible to change health insurance providers?
Yes, policyholders in Dubai can transfer their health insurance. The process enables them to switch insurance providers or move their existing policy to another provider while retaining their coverage.
Who regulates health insurance companies in the UAE?
The Central Bank of the UAE takes charge of regulating the health insurance companies in the UAE.
What happens if you don't have health insurance in Dubai?
If you do not have health insurance in Dubai, you will be charged an AED 500 monthly penalty.
Is your employer responsible for your family's health insurance in Dubai?
Dubai Health Authority obligates every employer to provide health insurance benefits for the spouse and also the dependents of their employees.
Does Dubai have free health insurance?
Dubai citizens receive free universal healthcare, while foreign expats have to obtain private insurance to cover their medical expenses.
Disclaimer: The health insurance policy or plan may have limitations, exclusions, and other terms and conditions that may affect coverage. It is important to carefully review the policy wording before making any decision.