Having a suitable health insurance plan is mandatory for all foreigners living and working in the United Arab Emirates. Therefore, to assist you in arranging health insurance, we have prepared this article on cheapest health insurance in UAE.
About 70% of the UAE population currently has health insurance, which provides significant benefits when it comes to treatment and billing. With the increasing need for health insurance these days, it’s always best to be prepared for the unexpected.
Contents
Why Is Health Insurance Important In UAE?
According to the Dubai Health Insurance Act (ISAHD) and the Mandatory Basic Benefit Plan (EBP), which started at the end of 2016, businesses with 100 or fewer employees, residents, domestic workers, and family members of employees are entitled to health care in UAE.
You must have insurance. This ensures that children, dependents, telecommuters, and non-working residents have access to quality health insurance plans at reasonable costs.
Many health insurance plans for expats in the United Arab Emirates offer global coverage. Costing AED 2,000-3,000 per year, many of the cheapest health insurance plans for expatriates offer worldwide coverage, making them affordable and ideally comprehensive.
Top 5 Cheapest Health Insurance in UAE
While there are many options for taking a cruise, we have compiled a short list of the cheapest health insurance in UAE for expats from the leading UAE providers. There is one plan for each provider you have.
1. Orient Insurance i-Med
- Annual premium: AED 875
- Annual coverage upfront: AED 150,000
- Geographic coverage: UAE
- Key Benefits: 20% co-payment denominator coverage; drug coverage; inpatient and outpatient coverage; and preventive services profit.
Details of Plans
- Inpatient and outpatient services under this plan are covered with a 20% co-payment.
- Out-of-pocket expenses are limited to AED 500 per session, and inpatient benefits are limited to AED 1000 in total. There is no cap that applies to outpatient benefits.
- Plan benefits for hospitalized patients include room rent benefits, ambulance cost reimbursement, and accommodation allowance for companions.
- Prescription drugs are covered with a 30% copay up to AED 1,500.
- Normal deliveries are covered at AED 7,000; complex deliveries and C-sections are covered at AED 10,000.
2. Alliance Insurance Limited
- Annual Premium: AED 2,396
- Annual Coverage: AED 150,000
- Geographic coverage: United Arab Emirates, Indian subcontinent, Arab world, Sri Lanka, Philippines, and South Korea.
- Key Benefits: No co-payment inpatient and 20% co-payment outpatient benefits; maternity coverage; drug coverage; and preventive services coverage.
Details of Plans
- Alliance Insurance Limited is one of the cheapest expat health insurance plans offered by the provider. It is attached to the NextCare RN2 network of 800 clinics and 63 hospitals.
- Hospitalization benefits for the cheapest foreign health insurance plan include benefits such as room rent, incidental accommodation, and ambulance cost coverage.
- It is a room rental plan that allows you to stay in a semi-private room in the hospital. Plan ambulance services are available from authorized parties in an emergency.
- Accompanying accommodation is intended for patients under the age of 16. This coverage is capped at AED 100. This cover can be used for elderly patients as well as for medical emergencies. Physician approval may be required.
- Coverage for pre-existing conditions in the plan will begin after a six-month waiting period.
3. Al Sagar Insurance BronzePlan
- Annual Premium: AED 2,877
- Geographic coverage: United Arab Emirates, Indian subcontinent, PhilippinesKey Benefits: Inpatient and Outpatient Benefits with 20% Co-Insurance, Maternity Coverage, Pharmaceutical Coverage, and Preventive Services Coverage
Details of Plans
- This is the cheapest health insurance in UAE offered by service providers. perfect for expats who travel frequently to neighboring Gulf countries.
- Both inpatient and outpatient benefits are provided by the expatriate health insurance plan. Inpatient benefits are covered with no copayment, and outpatient benefits are covered with a 20% co-payment.
- Plan benefits for inpatients include room rent benefits, incidental accommodation benefits, and ambulance service.
- Ambulance service may be covered if selected in an emergency. The policyholder must obtain insurance using an ambulance service from his provider of services approved in the United Arab Emirates.
4. DNIRC Silk Road: Plan C
- Annual Premium: AED 3,286
- Annual Coverage: AED 1,000,000
- Geographic coverage: worldwide
- Key Benefits: No copay inpatient and 20% copay outpatient benefits; maternity coverage; drug coverage; and preventive services coverage.
Details of Plans
- DNIRC Silk Road, Plan C, is one of the cheapest expat health insurance plans available if you are looking for comprehensive global coverage. As you can see, it’s perfect for people who frequently travel to different countries for work or other purposes.
- The plan comes with the MEDNET Silk network of hospitals and clinics, includes 55 clinics, 1420 pharmacies, and also 43 hospitals.
- Inpatient benefits in this plan are provided at no copay, while outpatient benefits are provided at a 20% copay and are subject to a limit of AED 50 per consultation.
- Accommodation, room, and ambulance services are included in the hospitalization benefit. Tests, medications, and follow-up visits to the doctor are included as outpatient benefits of the plan.
- A normal delivery is covered at AED 10,000, but you can get benefits up to AED 15,000 for complicated deliveries or cesarean sections. The maternity plan also includes 30 days of infant insurance.
5. Adamjee Insurance Silk Road, Plan C
- Annual Premium: AED 3,715
- Annual Coverage: AED 1,000,000 Geographic
- Coverage: Worldwide
- Key Benefits: No Inpatient Copay and Outpatient Benefits (20% Co-Pay and Coverage) Maternity, medication coverage, and preventive services coverages.
Details of Plans
- Adamjee Health Insurance’s Plan C offers a comprehensive list of benefits in addition to globally applicable coverage.
- Includes both inpatient and outpatient benefits. The plan’s inpatient benefits are covered with no copay, while outpatient benefits are covered with a 20% co-payment
- Services covered by the hospitalization benefit include compensation for room charges, compensation for accommodation of companions, and compensation for ambulance charges.
- Compensation for accompanist accommodations is for those who accompany patients under the age of 16. We will bear the full amount of accommodation expenses for the person accompanying the insured person.
Cheapest Health Insurance in UAE in a Nutshell
There is no single answer you will get when it comes to the cheapest health insurance in UAE. However, not all affordable plans are a good choice. The best way to choose health insurance for foreigners is to evaluate the cost-effectiveness of the plan. Hopefully this article will give you some insight to choose wisely.