Best Health Insurance in Dubai For Expats

Best Health Insurance in Dubai For Expats – Top 10 Companies. No matter how healthy you are and how much of a healthy lifestyle you follow, there can be certain times when you face a medical emergency. If you’ve decided to move to Dubai, the medical expenses there can be quite costly. That’s where health insurance companies in Dubai come in. These companies are responsible for covering your hospitalization and medical treatment costs.

Is Health Insurance Necessary in Dubai?

Yes, it is necessary to get health insurance in Dubai. The UAE Government has made it compulsory for all residents and expats to have medical insurance.

If an employer is hiring you, they might provide you with the necessary medical coverage. However, if you plan to bring your family to Dubai, you’ll need to get private health insurance for them. This article will guide you through the best health insurance companies in Dubai and why you should get health insurance.

Why You Need Private Health Insurance in Dubai

Private health insurance is essential in Dubai unless you are an Emirati national. Your employer is responsible for your medical coverage but not for your family’s medical expenses. Therefore, you need to apply for health insurance for your family to avoid high medical costs during emergencies.

Best Health Insurance in Dubai For Expats – Top 10 Companies

Getting the best health insurance in Dubai can save you from high medical costs during a medical emergency. Many affordable health insurance companies in Dubai offer excellent insurance packages for you and your family. These companies provide private health coverage for families, ensuring low-cost medical treatments for dental, maternity, and holistic care at top hospitals and clinics in Dubai.

Here are the top 10 health insurance companies in Dubai:

Sr. No.	Company	Location	Contact
1	Neuron	IT Plaza, 6th Floor, Dubai Silicon Oasis	+971-4-317-8600
2	GIG Gulf	Showroom #4, Um Al Sheif Building, Next to Metropolitan Hotel, Sheikh Zayed Road	+971-4-507-4000 \| 800-292
3	Dubai National Insurance & Reinsurance PSC	Dubai National Insurance Building, Opposite Deira City Centre, Port Saeed, Deira	600-580-000
4	Daman Health Insurance	Hassanicor Building, Al Barsha, Al Barsha 1	+971-2-418-4200 \| 800-432-626
5	Allianz Care	2nd Floor, Warba Center, Abu Baker Al Siddique Road	+971-4-605-1111
6	Met Life	New Century City Tower, 4th floor, Plot 129-187 Port Saeed, Deira	800-638-5433
7	Arabia Insurance	Rigga Al Buteen – 125 Green Tower, Street # 17, FLOOR 9 and 10, Dubai, UAE	+971-4-228-0022
8	Aman – Dubai Islamic Insurance & Reinsurance Company	Gulf Towers, Oud Metha, Dubai, UAE	800-4998
9	ASCANA – Takaful	Al Kazim Building – 61A Street – Entrance B, 3rd Floor – Dubai, UAE	800-272-262
10	Sukoon Insurance (Previously Oman Insurance)	Omar Bin Al Khattab Street, Next to Al Ghurair Mall, Deira, Dubai	800-4746

1. Neuron

Neuron is one of Dubai’s leading health insurance companies, offering a network of over 2,000 providers. It provides direct billing for adequate health coverage for corporate and personal use. Services include dental, treatment of chronic diseases, surgery, accidental coverage, and independent health insurance.

Location: IT Plaza, 6th Floor, Dubai Silicon Oasis

Timings: Sunday to Thursday (8:00 am – 5:30 pm)
Contact: +971-4-317-8600

2. GIG Gulf

GIG Gulf, with over 3,000 providers, is one of the top health insurance companies in Dubai. It was named Health Insurer of The Year in 2022. GIG Gulf provides access to a wide range of hospitals, clinics, dentists, pharmacies, and other health and medical services across the UAE. Coverage includes accidental health benefits up to AED 150,000 and immediate access to services for pre-existing conditions and chronic health problems.

Location: Showroom #4, Um Al Sheif Building, Next to Metropolitan Hotel, Sheikh Zayed Road

Timings: Monday to Friday (9:00 am – 7:00 pm), Sunday (9:00 am – 6:00 pm), Closed on Saturday
Contact: +971-4-507-4000 | 800-292

3. Dubai National Insurance & Reinsurance PSC

Established in 1991, Dubai National Insurance & Reinsurance PSC (DNIR) offers home, travel, auto, commercial, and medical insurance. Backed by firms like Swiss Re and Munich Re, DNIR provides a range of plans with global or regional coverage.

Location: Dubai National Insurance Building, Opposite Deira City Centre, Port Saeed, Deira

Timings: Monday to Friday (8:00 am – 5:00 pm), Closed on Saturday & Sunday
Contact: 600-580-000

4. Daman Health Insurance

Daman Health Insurance (DHI) serves 300,000 active registered members. With packages starting from AED 615 to AED 800, DHI is one of Dubai’s most trusted health insurance providers. Over 10,000 firms depend on DHI for their employee health insurance needs. You can also manage your health insurance policy details via the Daman Health Insurance app.

Location: Hassanicor Building, Al Barsha, Al Barsha 1

Timings: Monday to Friday (8:00 am – 4:00 pm), Closed on Saturday & Sunday
Contact: +971-2-418-4200 | 800-432-626

5. Allianz Care

Allianz Care offers international health insurance services in Dubai in partnership with Orient Insurance. Their offerings include the Summit International Health Insurance Plan for Dubai residents, with direct billing and 24/7 helpline support.

Location: 2nd Floor, Warba Center, Abu Baker Al Siddique Road

Timings: Monday to Friday (8:00 am – 4:00 pm), Closed on Saturday & Sunday
Contact: +971-4-605-1111

6. Met Life

Met Life, a global insurance provider, offers various health insurance packages starting from AED 761 (Domestic Help) and AED 1,312 (For Dependents). Met Life healthcare policies include specialized plans like Forever Plan, Critical Care, Health Cover Abroad, and Olympic Plan, among others. They also have a dedicated policy for early diagnosis and treatment of breast cancer.

Location: New Century City Tower, 4th floor, Plot 129-187 Port Saeed, Deira

Timings: Monday to Friday (8:30 am – 5:00 pm), Closed on Saturday & Sunday
Contact: 800-638-5433

7. Arabia Insurance

Arabia Insurance offers affordable insurance packages with a 10% discount for families of three or more. Coverage includes treatments without hospitalization, maternity complications, hospital admissions, organ transplants, and work-related injuries.

Location: Rigga Al Buteen – 125 Green Tower, Street # 17, FLOOR 9 and 10, Dubai, UAE

Timings: Sunday to Thursday (8:00 am – 5:00 pm), Closed on Friday & Saturday
Contact: +971-4-228-0022

8. Aman – Dubai Islamic Insurance & Reinsurance Company

Aman offers a range of health insurance packages tailored to individual needs. Options include Al Shamel, Himaya, Mo’azara, Sanad, and Wiqaya.

Location: Gulf Towers, Oud Metha, Dubai, UAE

Timings: Monday to Friday (8:00 am – 4:00 pm), Closed on Saturday & Sunday
Contact: 800-4998

9. ASCANA – Takaful

ASCANA – Takaful has been providing insurance services since 1978. It offers surgical healthcare and various medical insurance policies for unexpected medical emergencies.

Location: Al Kazim Building – 61A Street – Entrance B, 3rd Floor – Dubai, UAE

Timings: Monday to Thursday (8:00 am – 5:00 pm), Friday (8:00 am – 12:00 pm)
Contact: 800-272-262

10. Sukoon Insurance (Previously Oman Insurance)

Sukoon Insurance, accredited by the Dubai Health Authority (DHA), offers easy payment schedules and a simple application process. Their packages start from AED 560.

Location: Omar Bin Al Khattab Street, Next to Al Ghurair Mall, Deira, Dubai

Timings: Monday to Friday (8:00 am – 5:00 pm)
Contact: 800-4746

The Healthcare System in the UAE

The UAE offers both private and public healthcare services. Public healthcare is primarily used by Emirati nationals and includes specialist appointments, emergency care, physiotherapy, diagnostic tests, maternity care, and prescription medicine.

What Kind of Healthcare System Does UAE Have?

Both private and public healthcare are available in the UAE. Dubai’s public healthcare is mostly used by Emirati nationals for free or at a very low cost. Public services typically include appointments with specialists, emergency care, physiotherapy, diagnostic tests, maternity care, and prescription medicine. Expats can also avail of public services, but they are not free. Expats need to apply for a Ministry of Health (MoH) approved health card.

How Much Does Health Insurance Cost in Dubai?

Private medical insurance in Dubai, on average, costs around 6,000 AED. Family health insurance can cost around 20,000 AED. Dubai is one of the most expensive cities in the world, making health insurance essential to avoid high medical costs.

Is Health Insurance Mandatory in Dubai?

Yes, health insurance is mandatory in Dubai. All residents must have health insurance, whether employed or unemployed. If you’re applying for a residency visa, you must have health insurance. Employers cover employee medical healthcare, but employees must obtain private medical insurance for their family members.

Conclusion

Having health insurance in Dubai is crucial for all residents and expats. It ensures you and your family are protected from high medical costs in emergencies. The top 10 health insurance companies listed in this article offer a range of affordable and comprehensive health insurance packages to suit your needs.