International Health Insurance for Individuals & Families in the UAE

Family medical insurance is a health insurance policy that covers multiple members of a family, such as a spouse, children and, in some cases, parents. Depending on the plan, it may help cover eligible expenses for doctor visits, hospital treatment, diagnostic tests, prescription medication and other healthcare services. Coverage, provider networks, annual limits, exclusions and premiums may vary for each family member based on factors such as age, medical history and selected benefits.

Depending on the individual or family health insurance plan selected in the UAE, a fixed annual coverage amount is provided and can be used for medical treatments and services.

For those seeking wider coverage, various optional extras are available at an additional charge. At network hospitals, a cashless system may allow you to receive treatment without the immediate need to pay out-of-pocket, as long as the treatment cost is within the policy’s maximum coverage amount.

On the other hand, for services received from hospitals outside of the network, you can pay upfront and then submit a reimbursement claim, along with all relevant medical invoices, to your insurer for compensation.

Before you buy health insurance, review the:

• Provider network
• Annual coverage limit
• Deductibles and co-payments
• Inpatient and outpatient benefits
• Prescription medication coverage
• Waiting periods
• Pre-existing condition terms
• Exclusions
• Claims process
• Geographic coverage

Understanding these details can help you compare plans and avoid unexpected out-of-pocket costs after the policy begins.

For successful enrolment in a UAE health insurance plan, you’ll need to provide:

i. Valid identification: For individual plans, proof of your identity; for family plans, identification is required for all members.

ii. Proof of age and residence: Documents confirming the ages and residential addresses of all applicants.

iii. Proof of income: Documentation of the policyholder’s income.

iv. Insurance proposal/Application form: The completed form is necessary to process the insurance policy.

v. Medical test reports: These may be required in some cases and will be specified by the insurer