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Health Insurance Eligibility Criteria in the UAE

Health Insurance Eligibility Criteria in the UAE | Dhanguard

Health insurance is a sort of insurance that pays for surgical and medical expenditures if the insured is admitted to the hospital. Apt health insurance in Dubai provides numerous benefits to policyholders, including day-care hospitalization and pre-and post-hospitalization. In fact, several of the most well-known health insurers cover cashless hospitalization at network hospitals throughout the duration of the policy. The key highlights of our study include health insurance and its eligibility criteria in the United Arab Emirates.

What are the Features and Benefits of a Health Insurance in the UAE?

The following are the various characteristics and benefits of health/medical insurance in Dubai and the UAE:

Cashless Treatment

If the insured or any of his or her covered family members are admitted to a network hospital, he or she can receive medical treatment without having to pay any money. The policyholder only needs to supply the policy number, and the hospital and health insurers will take care of the rest.

Pre- and Post-Hospitalization Coverage

Some of the most effective medical insurance policies cover pre-and post-hospitalization charges for a set number of days before and after a policyholder is admitted to the hospital.

Medical Exam

A good health insurance plan entitles the policyholder to regular medical examinations.

Transportation Expenses

If the insured is hospitalized, the health insurance policy will cover the costs of an ambulance to transport the policyholder from his or her house to the hospital.

Roome Rent

If the insured is hospitalized, he or she will be required to pay room rent. Medical insurance ensures that all of these costs are covered to a certain extent.

No-Claim Bonus

When there is no claim filed throughout the effective policy period of one year, the No Claim Bonus is granted either as a discount in the premium or as an increase in the sum guaranteed.

What are the Different Types of Health Insurance available in the UAE?

The numerous sorts of medical insurance plans that one can choose from to fit their unique insurance needs are as follows:

Health Insurance Plans for Individuals

Individual medical insurance plans, as the name implies, are given by health insurance firms in the UAE to a single policyholder. It provides financial protection against specific illnesses as well as a variety of perks like cashless hospitalization, pre-and post-hospitalization, and so on. Only one person receives the entire cash guaranteed.

Health Insurance for Families

Family health insurance plans are the ideal combination of affordability and coverage when it comes to medical insurance in the UAE. Rather than acquiring individual medical insurance policies for each family member, family plans can be used to cover the complete family under one umbrella.  The number of policyholders in these sorts of health insurance policies is usually limited to one spouse and a set number of children. The sum assured is divided by all family members covered by the policy in family medical insurance plans.

Plans for Senior Citizens' Health Insurance

Senior Citizen Health Insurance Plans are developed exclusively for people over the age of 60. Medical insurance programs for senior citizens usually have lower premiums. Although just a few health insurance companies in the UAE provide such plans, they may need a medical examination before selling them. Furthermore, because senior adults are more susceptible to sicknesses and health disorders, such insurance may be slightly more expensive than health plans for young people.

Health Insurance Plans for Groups/Employees

Employers frequently provide group health insurance plans. Furthermore, they are designed to include and omit employees as they enter and depart the company. Because of the low risks involved, group health insurance policies normally have inexpensive premiums.

Critical Health Insurance Plan

A critical illness insurance plan is meant to cover critical, life-threatening diseases and disorders that are not typically covered by a standard healthcare plan. These illnesses may necessitate long-term care, several hospital visits, and a significant investment in pre-and post-hospitalization services, making them one-of-a-kind. The services and treatments covered by critical illness plans are usually paid for in a lump sum amount.

What all is Covered and Not-Covered in a Health Insurance in the UAE?

In the UAE, health insurance policies are governed by an inclusions list, which specifies the scope of medical coverage that a policyholder is entitled to. While features differ from one Dubai health insurance company to the next, on the other hand, an exclusions list is a list of medical services and treatments that are not covered by a health insurance plan in the United Arab Emirates.


  • Pre-existing diseases and health illnesses
  • Pre & post hospitalization
  • In-patient hospitalization costs
  • Ambulance fees
  • Health check-ups
  • Daycare procedures
  • Hospital room cost
  • Vaccinations & inoculations
  • Newborn or maternity
  • Medication
  • Donor expenses in case of organ transplantation

Not Included

  • Optical and dental care
  • AIDS, fatal illnesses and other diseases of a similar sort are examples of this.
  • Treatment that isn't allopathic
  • Plastic/cosmetic surgery, sex transformation, hormone replacement, and other procedures are available.
  • Terrorism/war/suicide attempt/nuclear activity-related injuries
  • There is a 2-4 year waiting period for coverage of pre-existing ailments or serious illnesses.
  • Expenses incurred for maternity are straightforwardly excluded unless a maternity rider has been included in the medical insurance policy.
  • Diagnostic and therapeutic procedures, as well as post-medical procedures


Depending on the plan chosen, eligibility conditions for health insurance may differ. As a general rule, however, every citizen and UAE resident in Dubai is entitled to health insurance. Senior citizen health insurance plans, family medical insurance in Dubai, group medical insurance plans for employees, health insurance plans for nationals and ex-pats, and other plans are available for a specific population. If they can provide all of the relevant paperwork and meet the individual criteria given by the insurance companies, every resident or national of the UAE is eligible for basic health insurance.


Frequently Asked Questions

Patients are communicated to tell their physicians all about their medical history in order to get the best care, and health insurance policyholders are asked to tell their provider all about their pre-existing conditions in order to get the best coverage. Furthermore, if there are any inconsistencies in the medical insurance policy, the insurance company can cancel the policy.

The regional limit to which a health insurance policy's benefits are available is referred to as the scope of coverage. For example, in the UAE, health insurance with a definition of ‘Within the UAE' would only compensate policyholders for medical services received in the UAE.

Family policies undeniably deliver some of the best coverage at the most affordable prices, making them one of the most cost-effective health insurance choices in the UAE. Even family health insurance policies, however, have their own limitations, such as a limited number of dependents and other constraints. When applying for a job, it is suggested that applicants spend some time reviewing the different inclusions and exclusions.

Medical insurance Policy for females are expensive because of the pregnancy related costs that occurs to the insurance companies. Whereas policy for female aged below 40 is too expensive compared to female aged above 40.

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