The UAE’s healthcare system is financed by the government, like many other nations’ systems. To control the system in their separate states, various health authorities exist. The UAE’s enormous network of cutting-edge healthcare facilities, available to those seeking care for major and minor medical conditions, is its finest feature.
Understanding health insurance functions is important because the UAE government has made it a requirement. Sometimes, business health insurance coverage is insufficient to answer your issues. You should obtain a reliable health insurance plan as a result.
What is health insurance?
A type of insurance coverage called health insurance covers your medical and health-related costs. You are insured for a variety of ailments depending on the sort of health insurance you choose. In-patient care, hospital stays, and outpatient care are further options that may be considered. You would have to pay a monthly or annual premium to take advantage of the policy provisions.
How to Choose the Best Healthcare Insurance Plan?
By selecting an appropriate plan among the several medical insurance plans offered in the UAE, you may assist in helping to cover your medical costs.
Here are a few things you can follow to make a wise choice.
- Discover Your Needs: Your initial step should be to identify your needs. Determine the type of insurance coverage you require and how much of an insurance premium you can afford each month.
- Look over the Medical Benefits: List the many health insurance options and perks, then select the plan that best meets your medical requirements. If you are new to obtaining insurance, you may also contact insurance experts to ask for assistance.
- Choose the Best Plan: After reducing your choice of potential health insurance plans to a few, go with the one that best meets your requirements. Furthermore, you can contact the chosen insurance provider and buy a policy.
- Analyse Your Present Medical Situation: The next thing you should do is examine your current medical situation. You must select a comprehensive health insurance plan, for instance, if you lead a modern lifestyle and believe you are more likely than average to contract a serious illness. On the other hand, if you are in good health, regularly engage in physical activity, and just require frequent medicine to treat a fever or other medical conditions, you can choose a basic health insurance plan.
- Comparing insurance plans: you should consider several factors, including the cost of the policy, how claims are handled, how often they are resolved, the benefits provided, and much more. Before you make a final choice, be sure you consider each of these considerations.
Top 10 health insurance companies in UAE
- Abu Dhabi National Insurance Company (ADNIC)
One of the top providers of health insurance in the area is ADNIC. Because there are so many different options available, it is very well-liked by clients. If you live in the UAE and seek complete medical insurance for you or your family, you should consider ADNIC’s health insurance options.
On their website, you can learn more about the Bronze, Silver, Gold, and Platinum ADNIC Shifa health insurance plan varieties. For your friends and family who are only temporarily visiting the UAE, ADNIC also offers unique health insurance policies.
- Oman Insurance Company
Do not be misled by the name; despite being one of the largest service providers in the UAE, Oman Insurance Company enjoys the confidence of millions of customers. Since its founding in 1975, the business has become one of the top health insurance providers in the United Arab Emirates. The company’s main office is in Dubai. One of the UAE’s biggest publicly traded insurance businesses is this one.
On its website, you may learn more about Oman Insurance’s health insurance plans. They have divided into two HealthPlus plans and the Dubai Essential Benefits Plan. For your friends and family who are only temporarily visiting the UAE, ADNIC also offers unique health insurance policies.
- AXA Gulf Insurance
One of the area’s top health insurance providers is AXA Gulf Insurance. There is something for everyone because different plans depend on different budgets. AXA Gulf Insurance would have your back if you required domestic medical insurance or experienced a medical emergency when travelling abroad. It collaborates closely with over 3000 hospitals, clinics, and healthcare organisations. This level has reached almost 800,000 if we look at the global scale.
- Metlife Alico
One of the region’s biggest providers of health insurance is Metlife UAE. It offers a variety of straightforward, adaptable, and affordable health insurance policies for you and your entire family. The company requires no introduction and is well-known worldwide for its fantastic services.
Their Secure Plus package is among the most well-liked ones. With premiums starting at AED 80 per year, you can select your coverage levels at a price that works for you. It also covers death from both natural causes and accidents.
- Allianz Care
A well-known company name is Allianz Care. Allianz Care has the answers you need if you live in the UAE and are looking for the top health insurance options. The plans include life and disability insurance, short-term plans, and emergency coverage. The company’s short-term plans, which cover most of your daily healthcare needs, are its strongest feature. The greatest candidates for these plans are people or families who go overseas for less than a year to work or live temporarily.
- Adamjee Health Insurance
Adamjee Insurance is included last but not least among the top 10 health insurance providers in the United Arab Emirates. It is a Pakistani company that has entered the UAE and is flourishing greatly. Adamjee Insurance is your one-stop shop in the UAE if you seek cost-effective yet useful health insurance products.
- Daman Health Insurance
You can trust their knowledge because Daman Health Insurance is one of the few insurance firms in the UAE that only offers health and medical insurance. Its main office is in Abu Dhabi. It ranks third in size among Dubai’s health insurance service providers and is the largest in Abu Dhabi. Although the business was just formed in 2006, it has made significant progress in a short period of time to establish itself as a specialised brand.
- Ras Al Khaimah National Insurance Company
The fastest-growing insurance firm in the Middle East is RAK Insurance. We cannot overlook RAK Insurance’s fame when compiling a list of the best health insurance providers in the UAE. The business was founded in 1974, and since then, there has been no turning back. The growing number of contented and happy customers demonstrates their ability to win the hearts of millions. RAK Insurance wants to design plans appropriate to every customer’s requirements.
- Dubai Islamic Insurance & Reinsurance Company
The Dubai Islamic Insurance & Reinsurance Company, also known as AMAN, was established in 2002. In such a short time, the organisation has gained notoriety and established itself as one of the UAE’s top medical and health insurance providers. One of the few health insurance providers to cover uncommon medical costs like fertility treatments.
- Bupa Global
One of the top health insurance providers in the UAE is Bupa Global, which calls itself your partner in health. Their global network of specialists can be reached directly through their international health insurance plans, which are intended to be used and provide premium healthcare without needing a reference.
You can choose from various options to maintain your family’s health and well-being. The plans allow you to select the finest therapy because they give you access to a network of more than 1,700,000 medical professionals worldwide.
How long does it take to process a medical claim?
The processing time for health and medical insurance claims under AED 2,500 is 7 working days. Within 14 working days of the filing date, claims worth more than AED 2,500 are handled.
What does health insurance not cover?
Most ailments are covered by health insurance, and coverage depends on the plans chosen. Health insurance generally doesn’t pay for services like cosmetic surgery, infertility treatment, unrecognised pre-existing problems, non-medically essential services, illnesses caused by alcohol and drugs, supplements, etc.
How can I have my medical emergency claims reimbursed?
All medical crises must be reported to the insurer for non-network claims within 48 hours. When a provider is a part of a network, the insurer will be contacted.