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Plans for Dubai  Making life simpler, easier and safer

 International Health Insurance
for Dubai

UAE plans are offered through our partnerships with Orient Insurance PJSC and NextCare.
In the context of this page We/Our/Us is Orient Insurance PJSC.
Working together with our regional partner, Orient Insurance PJSC,  we’ve designed flexible, affordable expat healthcare plans for life in Dubai. We offer comprehensive private medical cover for treatment at some of the best hospitals in Dubai, or back home, if you prefer. Our expat healthcare plans also fully satisfy the Dubai Health Authority requirements for visas, so that's another task ticked off your list.
Our medical insurance plans are compliant with the requirements of the Dubai Health Authority and include cover for a wide range of in-patient and day-care treatments. Plus, you can add optional level of cover such as out-patient, dental, enhanced maternity and repatriation benefits.


With our international health insurance plans,  you can choose one that best suit your needs and  budget
Step 1:
Choose your Core and Out-patient plans

Our core plan options include a comprehensive selection of in-patient benefits, day-care and out-patient benefits such as hospital accommodation, surgery, medical evacuation and much more. 

All our core plans include a selection of Global Health Services that aim to improve the quality of your life.

As per Dubai Health Authority requirements, an Out-patient Plans must be selected with a Core Plan

Step 2:
Add any of the optional plans 

Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as dental, enhanced maternity and repatriation cover.

Step 3: 
Choose your area of cover:
Worldwide, Worldwide excluding USA

     

Global access to cover so you can use your cover in any country included within your area of cover. It is a good idea to select an area where you normally travel to or is based for work purposes.

Terms and conditions and regulatory restrictions apply.

Step 4:
Choose your medical network 

We offer a choice of medical networks you can select depending on your requirements:

  • Comprehensive Network: includes all medical providers in our UAE network.
  • Comprehensive Network excl. CCAD: includes all medical providers in our UAE network with exclusion of Cleveland Clinic Abu Dhabi.
  • Standard Network includes all medical providers in our UAE network with exclusion of Cleveland Clinic Abu Dhabi, out-patient treatment at American Hospital, and hospitals in the Mediclinic Group.
  • RN Enhanced Network: includes a list of selected providers that cover the full spectrum of medical services throughout the UAE.

Together with our partners, we've carefully crafted a selection of plans designed especially for Dubai, drawing on our many years of expertise in international health insurance.

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Maximum Plan Limit
US$10,500,000
Maximum plan Limit
US$4,000,000
Maximum plan Limit
US$1,750,000
Type of room
Private Room
Private Room
Private Room
In-patient / Day-care
Oncology
Pre-existing conditions
US$43,000
US$43,000
US$43,000
Nursing at home or in a convalescent home
US$6,000
US$3,550
US$3,550
Rehabilitation treatment
US$6,250
US$3,550
US$2,800
Routine maternity
90% refund
Up to US$2,750
90% refund
Up to US$2,750
90% refund
Up to US$2,750
Preventative Surgery
US$40,000
Accidental death benefit
US$14,000
Laser eye treatment
US$1,350
Expat Assistance Programme (EAP)
Travel Security Services
Olive Health & Wellness support program
MyHealth Digital Services
Second Medical Opinion Service
Mandatory as per Dubai Health Authority requirement:
Dubai Gold Individual
Maximum plan limit

No limit
Dubai Silver Individual
Maximum plan limit

US$61,700
Dubai Pearl Individual
Maximum plan limit

US$51,000
General practitioner and specialist fees
Prescription drugs
US$1,400
Diagnostic tests
Psychiatry and psychotherapy
30 visits
20 visits
15 visits up to US$2,725
Physiotherapy
US$4,000
Chiropractic treatment, osteopathy, homeopathy, Chinese herbal medicine, acupuncture and podiatry
US$1,400
Ayurvedic treatment
US$1,000
US$850
US$700
Infertility treatment
US$17,000 per lifetime
US$17,000 per lifetime
Health and wellbeing
US$1,700
US$850
Dental plan
80% refund
80% refund
Enhanced maternity
90% refund
Up to US$7,250
90% refund
Up to US$2,900
Repatriation plan
Includes all medical providers in our UAE network
Includes all medical providers in our UAE network with exclusion of Cleveland Clinic Abu Dhabi
Includes all medical providers in our UAE network with exclusion of Cleveland Clinic Abu Dhabi, out-patient treatment at American Hospital, and hospitals in the Mediclinic Group
Includes a list of selected providers that cover the full spectrum of medical services throughout the UAE
 
From the 15th of April 2024 until the 15th May of 2024.
Selected plans only. T&Cs Apply.
Get in touch today to request a  quote. If you have a question, would like to learn more, or if you just want to chat through your options, our international health team are here to help.

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Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally. 

This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you. 

For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa.

*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.

 

This means that we will cover you on an emergency basis if you are on a short term visit outside your region of cover. For example, if you are on holiday in the USA, but have purchased a Worldwide Excluding USA plan -  There is cover for emergencies in the USA for a maximum of 42 days (for trips of a maximum period of six weeks – unlimited number of trips). Please see our Benefit Guide and Table of Benefits  for general terms & conditions.
In-patient cover relates to all treatment which occurs when a member is an "in-patient" (staying overnight/for a period of time) in the hospital.  Out-patient claims (such as doctor visits, buying prescription drugs) would only be covered if an out-patient plan was bought together with the in-patient one. We have a range of different levels of cover for both in-patient and out-patient treatment.

Did you know that we have a support page for members in the UAE with all you need to know to make the most of your cover. 
* Certain services that may be included in your plan are provided by third party providers, such as the Expat Assistance Programme, Travel Security services, HealthSteps app, Second Medical Opinion and tele-medicine services. If included in your plan, these services will  show in your Table of Benefits. These services are made available to you subject to your acceptance of the terms and conditions of your policy and the terms and conditions of the third parties. These services may be subject to geographical restrictions. The HealthSteps app does not provide medical or health advice and the wellness resources contained within Olive are for informational purposes only. The HealthSteps app and the wellness resources contained within Olive shouldn’t  be regarded as a substitute for professional advice (medical, physical or psychological). They are also not a substitute for the diagnosis, treatment, assessment or care that you may need from your own doctor. You understand and agree that the insurer, its reinsurers and administrators are not responsible or liable for any claim, loss or damage, directly or indirectly resulting from your use of any of these third party services.
** Allianz Care through their UAE Insurance Partner Orient and UAE Third Party Administrator NextCare
 
For Underwritten Products, Terms and Conditions regarding Pre-Existing Conditions or Previous Medical History will apply.