The Best Medical Insurance in the UAE

Written by Admin | Jul 9, 2023 8:00:00 PM

Dubai is among the world's most sought-after locations for expats. Almost 90% of Dubai's population is made up of foreign nationals. Approximately 7.8 million of the city's 9.2 million residents are foreign-born.

The Best Health Insurance in UAE

However, foreign nationals and Emirati citizens share the same goal when it comes to healthcare. Everyone wants to receive the best care possible. If you plan to become part of this extensive international community and live as an expat in Dubai, exploring health insurance plans is essential. This article lists the best Medical insurance companies in the UAE.

Overview of the Dubai Health Insurance System

The United Arab Emirates has an excellent standard of healthcare, ranked 27th globally by the World Health Organisation. This high ranking is one reason Dubai remains a leading medical tourism destination, attracting individuals seeking complex surgeries and cosmetic treatments from top-tier surgeons.

Healthcare in the UAE is managed by various regulatory authorities, including the Ministry of Health and Prevention, Health Authority-Abu Dhabi (HAAD), Dubai Health Authority (DHA), and the Emirates Health Authority (EHA). With nearly 181 doctors per 100,000 residents, the UAE maintains a favourable doctor-patient ratio compared to many other countries. Dubai, in particular, has some of the nation's top hospitals and clinics.

Health and medical advice for expats in the UAE

The Dubai Health Authority (DHA) supervises both public and private healthcare services. The city's four main hospitals—Dubai, Rashid, Latifa, and Hatta—feature emergency departments and provide both inpatient and outpatient care. As an expat in Dubai or elsewhere in the UAE, you can expect modern, accessible medical facilities throughout the region. Most healthcare staff speak both Arabic and English, minimising language barriers. The key consideration for expats is selecting the appropriate health insurance plan in Dubai that suits their medical needs.

Top 10 Health Insurance Companies in Dubai

Aetna International Insurance

Aetna International has been providing health insurance solutions for over 160 years. They offer five tiers of customisable coverage, including medical, dental, vision, and pharmacy benefits. Their additional services, like assistance with form-filling, claims support, and renewal assistance, make navigating your health plan a breeze. Aetna’s plans ensure access to a wide range of healthcare services, making them a comprehensive health solutions provider.

Cigna Insurance

With over 225 years of experience, Cigna offers Healthguard plans that cover essential needs like maternity care and mental health services, complying with DHA requirements. Customers can choose from four network tiers and add coverage options such as wellness, vision care, dental care, and mother and baby care modules. Cigna's extensive global network and long-standing reputation make it a reliable choice for expats.

Allianz Insurance

Allianz Insurance, in collaboration with Orient Insurance, provides three levels of coverage: Dubai Select, Dubai Prime, and Dubai Elite. Allianz, with over 130 years in the industry, offers worldwide coverage options. The Dubai Select plan has a benefit limit of USD 1,750,000, while the Dubai Elite plan offers an annual benefits limit of USD $10,500,000. Allianz's global support network ensures policyholders receive assistance anywhere in the world.

April International Insurance

April International operates in over 180 countries, offering a direct billing network and plans that include emergency evacuation, repatriation, and assistance services. Their four levels of coverage –Core, Essential, Extensive, and Elite – are fully customisable to meet various needs. April International's strong global presence and flexibility make it a preferred choice for many.

Bupa Insurance Plans

Bupa Global, in collaboration with Oman Insurance Company (Sukoon), offers three coverage tiers in Dubai: Select, Premier, and Elite. These plans range from cost-effective options meeting DHA requirements to extensive coverage for comprehensive healthcare needs. Bupa serves over 38 million customers in 190 countries, making it a trusted provider with a comprehensive network of healthcare services.

William Russell Insurance

William Russell Insurance coverage can be used internationally. Policyholders can maintain their health insurance coverage and benefits even if they move to different countries. There are two tiers: Silver and Gold. The Silver Plan offers essential coverage, while the Gold Plan provides comprehensive benefits including advanced cancer treatment, enhanced maternity benefits, extensive outpatient coverage, mental health services, and optional dental and vision care. William Russell's unique structure is free from shareholder influence.

MSH International Insurance

MSH International offers an innovative claims process, allowing customers to file claims via photo from any medical facility. They provide emergency assistance, including medical evacuation, with coverage levels ranging from Quartz to Diamond to accommodate different needs and budgets. MSH International's regional and local offices ensure the best support for customers worldwide.

NOW Health Insurance in Dubai

A contemporary approach to health insurance is what sets NOW Health Insurance apart, having been established in 2011. They provide plans with customisable deductibles, offering flexibility in managing premiums and out-of-pocket expenses. Their flagship plan, WorldCare Advance, includes a comprehensive range of benefits such as inpatient and outpatient care, maternity coverage, and emergency evacuation. NOW Health Insurance is also recognised for its user-friendly online portal and mobile app, which allow policyholders to easily manage their plans, submit claims, and access a global network of healthcare providers.

Takaful Emarat Insurance in Dubai

Takaful Emarat Insurance PSC, established in 2008, offers Shariah-compliant health insurance solutions. Their plans are approved by the Dubai Health Authority and the Central Bank of the UAE, covering prescription drugs, up to 20 physiotherapy sessions per year, dental care with direct billing, and optional eye treatment. Recognised for their efficient service processes, Takaful Emarat has earned accolades such as UAE Insurer and Takaful Insurer of the Year 2018.

AXA Gulf Insurance

AXA Gulf Insurance, with a presence in the region for over 68 years, offers comprehensive health insurance plans for individuals and families in Dubai. Their plans include inpatient and outpatient services, dental care, maternity benefits, and specialist consultations. AXA complies with local regulations and provides access to an extensive network of healthcare providers, ensuring high-quality care and support.

Choosing the appropriate health insurance is very important for peace of mind and optimal healthcare. Whether you prioritise basic coverage or seek extensive benefits, the diverse range of plans available in Dubai has you and your family well-protected.

View full post