Health Insurance
Health insurance covers medical expenses like doctor visits, hospital stays, and treatments. In the UAE, it’s mandatory for residents and essential due to high healthcare costs. It ensures access to quality care, protects against financial stress, and offers peace of mind during medical emergencies, benefiting both individuals and families.
Buying health insurance for?
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Top Health Insurance Plans Available on Covermatch
Sukoon Insurance
Recommended- Wide hospital network across UAE
- Starting from AED 650/year
- Nextcare / NAS network options
- Maternity cover available
Orient Insurance
Recommended- Access to premium hospital
- Starting from AED 700/year
- Inpatient & outpatient
- Optional international coverage
Dubai Insurance
Recommended- Strong UAE provider network
- Starting from AED 600/year
- Direct billing facility available
- Specialist & diagnostic coverage
Takaful Emarat
Recommended- Sharia-compliant medical plans
- Starting from AED 550/year
- Essential Benefits Plan options
- Affordable individual coverage
Watania Takaful
Recommended- Cost-effective takaful solutions
- Starting from AED 580/year
- Suitable for SME & group plans
- UAE-wide network access
Al Sagr Insurance
Recommended- Flexible medical plans
- Starting from AED 600/year
- Inpatient & outpatient coverage
- Competitive pricing options
Sukoon Insurance
Recommended- Wide hospital network across UAE
- Starting from AED 650/year
- Nextcare / NAS network options
- Maternity cover available
Orient Insurance
Recommended- Access to premium hospital
- Starting from AED 700/year
- Inpatient & outpatient
- Optional international coverage
Dubai Insurance
Recommended- Strong UAE provider network
- Starting from AED 600/year
- Direct billing facility available
- Specialist & diagnostic coverage
Takaful Emarat
Recommended- Sharia-compliant medical plans
- Starting from AED 550/year
- Essential Benefits Plan options
- Affordable individual coverage
Watania Takaful
Recommended- Cost-effective takaful solutions
- Starting from AED 580/year
- Suitable for SME & group plans
- UAE-wide network access
Al Sagr Insurance
Recommended- Flexible medical plans
- Starting from AED 600/year
- Inpatient & outpatient coverage
- Competitive pricing options
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Disclaimer: Premiums are calculated for a 25 year old Male Employee (Married), residing in Dubai, born on 01/01/2001, with a salary of AED 5000.
Best Health Insurance Plans in UAE
Compare and find the perfect health insurance plan for you and your family in the UAE.
| Plan Name | Company | Network | Annual Limit | Direct Hospital Access | Starting Premium | Action |
|---|---|---|---|---|---|---|
| Alsagr - Flexi 1 - Dubai - Gold | Al Sagr National Insurance Co. (PSC) | Next Care RN | AED 250,000.00 | AED 3,838.53 | ||
| Alsagr - Flexi 1 - Dubai - Diamond | Al Sagr National Insurance Co. (PSC) | Next Care GN | AED 500,000.00 | AED 6,526.05 | ||
| Alsagr - Flexi 1 - Dubai - Silver | Al Sagr National Insurance Co. (PSC) | Nextcare RN2 | AED 150,000.00 | AED 3,314.47 | ||
| Alsagr - Flexi 2 - Dubai - Diamond | Al Sagr National Insurance Co. (PSC) | GN Network Excluding Mediclinic Group | AED 500,000.00 | AED 4,685.98 | ||
| Alsagr - Flexi 2 - Dubai - Gold | Al Sagr National Insurance Co. (PSC) | Next Care RN | AED 250,000.00 | AED 3,285.65 | ||
| Alsagr - Flexi 2 - Dubai - Platinum | Al Sagr National Insurance Co. (PSC) | Nextcare GN with American Hospital | AED 1,000,000.00 | AED 7,405.52 | ||
| Orient - Health Plus - Plan 1-A | Orient Insurance Company PJSC | Nextcare GN Plus | AED 1,000,000.00 | AED 7,658.43 | ||
| Orient - Health Plus - Plan 1-B | Orient Insurance Company PJSC | Nextcare GN Plus | AED 1,000,000.00 | AED 6,727.57 |
Disclaimer: Premiums are calculated for a 25 year old Male Employee (Married), residing in Dubai (UAE), born on 01/01/2001, with a salary of AED 5000.
Comparison Between Basic vs Standard
Health Insurance in UAE
Disclaimer: Health insurance benefits, coverage, and premiums vary by insurer, plan, age, and emirate. Always review policy terms, waiting periods, and network details.
Compare health insurance from top UAE insurers.
Get the best coverage at competitive prices.
Find plans from Takaful Emarat, Sukoon, Orient, Dubai Insurance & more.
Key Features of Medical Insurance in UAE
Inpatient Hospital Coverage
Covers hospitalization, surgeries, ICU, and emergency treatments across UAE hospitals.
Outpatient & Doctor Consultations
Includes GP visits, specialist consultations, diagnostics, and pharmacy benefits.
Maternity & Pre-existing Conditions
Maternity and chronic condition coverage (subject to terms and waiting periods).
Cashless Treatment & Wide Network
Access to 1000+ hospitals and clinics across UAE with cashless claim facility.
Types of Health Insurance in the UAE
Health insurance in the UAE is mandatory and mainly comes in two types: Comprehensive Health Insurance and Basic Health Insurance (Essential Benefits Plan - EBP). Understanding the difference helps you choose the right level of medical coverage for yourself and your family.
Standard Health Insurance
- Inpatient & outpatient coverage
- Specialist consultations & diagnostics
- Maternity & pre-existing condition coverage
- Wide hospital network access
- Optional dental, optical & global cover
Comprehensive health insurance in the UAE provides extensive medical coverage, including inpatient hospitalization, outpatient consultations, specialist visits, diagnostics, maternity benefits, and chronic condition management.
Most comprehensive plans offer access to a wide network of hospitals and clinics across Dubai, Abu Dhabi, and Northern Emirates, along with optional benefits such as dental, optical, and international coverage.
This type of health insurance is ideal for families, professionals, and individuals seeking complete healthcare protection and access to premium medical facilities in the UAE.
Basic Health Insurance (Essential Benefits Plan)
- Mandatory UAE health coverage
- Affordable premium plans
- Inpatient hospitalization coverage
- Limited outpatient & GP access
- Basic network of clinics & hospitals
Basic Health Insurance, also known as the Essential Benefits Plan (EBP), is the minimum level of coverage required as per UAE regulations. It is designed to provide affordable healthcare access for individuals with limited coverage needs.
This plan typically covers essential medical services such as hospitalization, general practitioner consultations, and limited outpatient treatment within a defined network of clinics and hospitals.
However, it does not include advanced benefits like maternity, extensive specialist coverage, or international treatment, making it a cost-effective but basic option.
How to Buy or Renew Health Insurance Online in UAE
Visit the Covermatch Website
Go to Covermatch and navigate to the Health Insurance section to explore plans or renew your existing policy.
Enter Basic Details
Provide details such as age, emirate (Dubai, Abu Dhabi, etc.), number of members, and coverage requirement to get relevant plan options.
Compare Health Insurance Plans
View multiple UAE insurers side-by-side based on premium, coverage, hospital network, co-payments, and benefits
Review Plan Benefits & Network
Check key features such as inpatient & outpatient coverage, maternity benefits, pre-existing condition terms, and network hospitals.
Select Your Plan & Get Quote
Choose the plan that suits your needs and review the premium based on your coverage and member details.
Submit Documents & Details
Upload required documents such as Emirates ID, visa, and passport, and complete the medical declaration form accurately.
Make Secure Online Payment
Complete payment through secure online methods for quick processing and policy issuance.
Receive Policy & Get Covered
Once approved, your health insurance policy will be issued and shared digitally—ensuring compliance with UAE regulations.
How to Compare Health Insurance in UAE?
It is important to compare health insurance plans in the UAE to choose the right coverage for your needs. With multiple insurers offering different benefits, comparing policies helps you find the best balance between coverage, network, and premium. The process is quick and can be completed online in just a few minutes. Follow these simple steps to choose the right medical insurance plan in the UAE.
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Visit the health insurance section on Covermatch’s website.
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Enter your details such as age, location, and coverage requirements.
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Compare plans from leading UAE insurers based on benefits, network, and pricing.
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Carefully review details, co-payments, exclusions, and policy terms & conditions.
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Select the plan that best fits your healthcare needs and budget.
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Complete your purchase online and receive your policy instantly.
Top Health Insurance Companies in UAE 2026
Disclaimer: The above information is indicative and based on publicly available data and insurer offerings in the UAE. Network size and benefits may vary depending on the selected health insurance plan.
Buy health insurance online with instant policy.
Save more with the right plan tailored for you and your family.
What is Covered & Not Covered in Health Insurance in UAE??
What is Covered in UAE Health Insurance Plans
- Inpatient Hospitalization – Covers hospital stays, surgeries, ICU, and treatment expenses.
- Outpatient (OPD) & Doctor Consultations – Includes GP visits, specialist consultations, and diagnostics (based on plan).
- Emergency Treatment – Coverage for accidents and life-threatening medical conditions.
- Maternity & Newborn Cover – Pregnancy, delivery, and newborn benefits (after waiting period).
- Declared Pre-existing & Chronic Conditions – Covered after waiting periods, provided they are disclosed at the time of policy purchase.
- Medicines & Diagnostic Tests – Includes lab tests, scans, and prescribed medications within network.
Compare coverage and exclusions before you buy.
Get instant quotes from top UAE insurers with guidance.
What is Not Covered in UAE Health Insurance
- Undisclosed Pre-existing Conditions – Non-disclosure can lead to claim rejection.
- Cosmetic & Non-medical Procedures – Treatments not medically necessary are excluded.
- Dental, Optical & Alternative Treatments – Usually excluded unless added as optional benefits.
- Self-inflicted Injuries & Substance Abuse – Claims related to alcohol, drugs, or intentional harm are not covered.
- High-risk Activities & Adventure Sports – Injuries from risky activities are typically excluded.
- Waiting Period Restrictions – Certain benefits like maternity and pre-existing conditions are not covered during initial waiting periods.
Understand your policy exclusions before making a decision.
Secure the right coverage for you and your family today.
Documents Required to Apply for
Health Insurance in UAE
To apply for health insurance in the UAE, keep the following documents ready:
Passport (Member & Sponsor)
Emirates ID / EID Application
Visa (Member & Sponsor)
Sponsor Documents
Medical Declaration Form
Trade License (For Company Policies)
Previous Insurance / Continuity Certificate
Benefits of Buying Health Insurance Online in UAE
Buying health insurance online in the UAE is faster, smarter, and more transparent. Here’s why it works better:
Compare Multiple UAE Insurers Instantly
Easily compare plans from leading UAE insurers based on coverage, network hospitals, co-payments, and premiums, all in one place.
Faster Policy Issuance
Get your health insurance policy issued quickly once your documents are submitted and approved ideal for visa processing and compliance requirements.
Better Pricing & Exclusive Online Options
Online platforms help you access competitive pricing and plan variations that may not be easily available offline.
Access Anytime, Anywhere
Explore and purchase health insurance at your convenience whether you are in Dubai, Abu Dhabi, or anywhere in the UAE.
Full Transparency on Coverage & Exclusions
Clearly understand what is covered, waiting periods, co-payments, and exclusions before making a decision—no hidden surprises.
Simple Digital Documentation Process
Upload documents like Emirates ID, visa, and passport online for quick processing without physical paperwork.
Easy Renewals & Policy Management
Track your policy, renew on time, and manage updates seamlessly to avoid fines or gaps in UAE health insurance coverage.
Make Informed Decisions with Real Insights
Review insurer benefits, network strength, and plan features to choose the right coverage for yourself or your family.
Things to Consider Before Buying Health Insurance in UAE
Coverage & Benefits
Check what is included such as inpatient, outpatient, maternity, and chronic conditions coverage.
Network Hospitals & Clinics
Ensure your preferred hospitals and clinics are included in the insurer’s network.
Premium vs Coverage Value
Compare plans based on benefits, not just price, to get the best value for your health insurance.
Waiting Periods
Understand waiting periods for pre-existing conditions, maternity, and specific treatments.
Co-payments & Deductibles
Check how much you need to pay from your pocket for consultations, treatments, or medicines.
Annual Coverage Limits
Review the maximum claim limit to ensure it is sufficient for medical expenses in the UAE.
Policy Exclusions
Be aware of what is not covered to avoid surprises during claims.
Cashless Treatment Availability
Choose plans with wide cashless networks for hassle-free treatment across UAE hospitals.
You happy. We happy!
KWAME GOMEZ
Outstanding Health Insurance Service from Priya in UAE
I contacted Covermatch Priya for health insurance and was pleasantly surprised by the level of personalised service. The team took time to understand my medical history and recommended a plan with suitable coverage. Very professional approach.
via CovermatchDEEPA NAIR
Best Health Insurance Quote Thanks to Priya
Covermatch helped me get health insurance for myself and my dependents at a very competitive rate. Priya from the medical team was outstanding — she answered all my queries and ensured there were no gaps in coverage. The whole process took less than an hour. 5 stars!
via CovermatchJOAN AMORADO
Excellent Health Insurance Experience with Deepika
Thank you so much ma'am Deepika for your excellent service and patience 🙏.
Frequently Asked Questions
What is the best health insurance plan in UAE?
The best health insurance plan in the UAE depends on your needs, budget, and preferred hospitals. It’s important to compare coverage, network hospitals, co-payments, and benefits before choosing a plan.
Is health insurance mandatory in UAE?
Yes, health insurance is mandatory in the UAE. Employers are required to provide coverage for employees, and residents must have valid health insurance to comply with UAE regulations.
How much does health insurance cost in UAE?
Health insurance premiums in the UAE vary based on age, coverage level, emirate, and medical history. Basic plans start from affordable ranges, while comprehensive plans offer wider coverage at higher premiums.
What documents are required for health insurance in UAE?
You typically need passport copy, Emirates ID or application, visa copy, sponsor details, and a medical declaration form. Additional documents may be required for company policies.
Does health insurance cover pre-existing conditions in UAE?
Yes, but only if the conditions are declared at the time of application. Coverage is usually provided after a waiting period, depending on the insurer.
Can I buy health insurance online in UAE?
Yes, you can easily compare and buy health insurance online through platforms like Covermatch, with quick approvals and digital policy issuance.
What is covered under health insurance in UAE?
Most plans cover hospitalization, doctor consultations, emergency treatment, medicines, and diagnostics. Coverage varies depending on the plan type.
What is not covered under UAE health insurance?
Common exclusions include cosmetic treatments, undeclared pre-existing conditions, alternative medicine, and treatments during waiting periods.
Can I choose my hospital in UAE health insurance?
Yes, but only from the insurer’s network. Plans differ in network size, so choosing a plan with your preferred hospitals is important.
How can I renew my health insurance in UAE?
You can renew your policy online before expiry to avoid penalties or coverage gaps. Renewal can be done instantly through platforms like Covermatch.
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