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.
Health insurance in Dubai for you and your family
International Health Insurance for Dubai
Simplifying Health Insurance Access in Dubai and the UAE for Expats
Are you an expat based in or moving to Dubai? 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 insurance in Dubai, providing access to the best hospitals locally or back home.
Our expat healthcare plans fully comply with Dubai Health Authority (DHA) requirements for visa applications, making your move to Dubai smoother.
Coverage includes a wide range of in-patient,day-care and out-patient treatments. You can also enhance your plan with optional dental services, enhanced maternity, and repatriation benefits.
The expatriate health insurance
cover includes
Doctor visits
Hospitalization
Vaccinations
Surgeries
Diagnostic tests
Prescription drugs
Cancer treatment
Option to add a repatriation plan
Health Insurance Services
included with your cover
You have access to a range of services gathered in one convenient hub to help protect you and your family from preventable health risks. Our services include Telehealth, Expat assistance programme, Mind coaching app, Fitness coaching App, Nutrition Hub, Travel Security and more
.jpeg)
Build your plan for private health insurance In Dubai
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 in the UAE.
Step 1:
Choose your Core and Out-patient plans.
Our core plan options include a comprehensive selection of in-patient benefits such as hospital accommodation , day-care and out-patient benefits such as out-patient surgery, medical evacuation and much more. (ii) : Our Out-patient plan options include a comprehensive selection of out-patient benefits such as doctors consultations, Health checks, Optical benefit and much more.
Step 2:
Step 3:
Choose your area of cover: Worldwide or Worldwide excluding USA.
Global access 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.
Dubai Elite
Individual
Max. Plan Limit: US$10,500,000
| Private Room | ✓ |
In-patient / Day-care |
✓ |
Oncology |
✓ |
Pre-existing Conditions |
US$43,000 |
Rehabilitation treatment |
US$6,250 |
Preventive surgery |
US$40,000 |
Accidental death benefit |
US$14,000 |
Laser eye treatment |
US$1,350 |
- Includes pre-existing chronic conditions
- In-patient, day-care and out-patient treatment
- Pre-authorisation is required only for in-patient and day-care treatments
Dubai Prime
Individual
Max. Plan Limit: US$4,000,000
| Private Room | ✓ |
In-patient / Day-care |
✓ |
Oncology |
✓ |
Pre-existing Conditions |
US$43,000 |
Rehabilitation treatment |
US$3,550 |
Preventive surgery |
X |
Accidental death benefit |
X |
Laser eye treatment |
X |
- Includes pre-existing chronic conditions
- In-patient, day-care and out-patient treatment
- Pre-authorisation is required only for in-patient and day-care treatments
Dubai Select
Individual
Max. Plan Limit: US$1,750,000
| Private Room | ✓ |
In-patient / Day-care |
✓ |
Oncology |
✓ |
Pre-existing Conditions |
US$43,000 |
Rehabilitation treatment |
US$2,800 |
Preventive surgery |
X |
Accidental death benefit |
X |
Laser eye treatment |
X |
- Includes pre-existing chronic conditions
- In-patient, day-care and out-patient treatment
- Pre-authorisation is required only for in-patient and day-care treatments
Overview of Out-Patient Health Insurance Benefits in Dubai
Dubai
Gold Individual
Max. Plan Limit: No Limit
| General practitioner and specialist fees | ✓ |
Prescription drugs |
✓ |
Diagnostic tests |
✓ |
|
30 visits |
Dubai
Silver Individual
Max. Plan Limit: US$61,700
| General practitioner and specialist fees | ✓ |
Prescription drugs |
✓ |
Diagnostic tests |
✓ |
|
30 visits |
Dubai
Pearl Individual
Max. Plan Limit: US$51,000
| General practitioner and specialist fees | ✓ |
Prescription drugs |
US$1,400 |
Diagnostic tests |
✓ |
|
15 visits up to US$2,725 |
Enhance Your Cover with Health Insurance in Dubai
Choose from the following:
Enhanced Network
Embrace the journey of motherhood with our enhanced maternity plan, offering additional maternity coverage and support.
Repatriation plan
If the treatment you need is not available locally, we'll repatriate you to your home country, so you can receive treatment close to family and friends.
Dental plan
Protect your oral health and your wallet with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.
We offer a choice of private health insurance networks in Dubai to suit your needs
 |
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.
Learn More About the Healthcare System in Dubai and the UAE
Let's talk
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. Call us on+353 1 514 8480
(Choose a day and time that suits you)
Please save this form and use Adobe Reader
(free) to electronically complete it)
(free) to electronically complete it)
Why choose us as your partner for private health insurance in Dubai?
Flexibility
Choose what you want to be covered for and by how much, depending on your needs and budget.
Worldwide reach
We offer a network of over 1.9 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
Innovative Partner
With MyHealth app and portal you can submit claims, explore your cover, view policy and access digital tools and services to help you manage your health and wellness.
Local teams
You will have access to local support via a Dubai-based operational and sales support office. This local office provides Helpline, client services, claims and medical services support, so you can be reassured that there’s a helping hand nearby.
Frequently Asked Questions
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally.
What is a geographical area of cover?
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 “Worldwide Excluding USA”, then your cover will be valid everywhere in the world but not in the USA.
*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.
What do you mean by emergency cover outside the chosen region of cover?
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.
What is the difference between in-patient and out-patient cover?
In-patient cover relates to all treatment which occurs when a member is an "admitted" (staying overnight/for a period of time) in the hospital. Out-patient cover ( such as doctor visits, buying prescription drugs ) relates to treatment provided in the clinic or hospital that does not require you to be admitted.
Already a member?
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 outside the Allianz Group, such as the Expat Assistance Programme, Travel Security services, Fitness Coaching 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 Fitness Coaching App does not provide medical or health advice and the wellness resources contained within our Health Services are for informational purposes only. The Fitness Coaching App and the wellness resources contained within our Health Services 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 AWP Health & Life acting through its Irish Branch and AWP Health & Life Services Limited and their affiliates, 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 through their UAE Insurance Partner Orient Insurance PJSC and UAE Third Party Administrator NextCare
For Underwritten Products, Terms and Conditions regarding Pre-Existing Conditions or Previous Medical History will apply.