Policybazaar Insurance
Policybazaar Insurance

Family Health Insurance in UAE

Family health insurance is something every family in the UAE should consider. It simply means having a health plan that covers your whole family. This way, if someone gets sick or needs treatment, you don’t have to panic about hospital bills. From doctor visits to emergency care, these plans take ...read more some of the pressure off during tough times. It’s not about luxury, it’s about being prepared.

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Best Health Insurance Plan in UAE

GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
Takaful Emarat
Takaful Emarat
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
HAYAH Insurance
HAYAH Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Blue
Specialist Clinic
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<ul> <li>You can go directly to a specialist at a clinic without a GP referral.</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go straight to the hospital for inpatient care without a referral.</li> </ul>
Orient Insurance
Orient Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
Cigna
Cigna
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
General
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
GIG Gulf (Previously AXA)
GIG Gulf (Previously AXA)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
Fidelity United
Fidelity United
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
PCP- C Network
GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
Dubai Insurance
Dubai Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Specialist Clinic
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<ul> <li>You can go directly to a specialist at a clinic without a GP referral.</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go straight to the hospital for inpatient care without a referral.</li> </ul>
Orient Takaful Insurance
Orient Takaful Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Specialist Clinic
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<ul> <li>You can go directly to a specialist at a clinic without a GP referral.</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go straight to the hospital for inpatient care without a referral.</li> </ul>
RAK Insurance
RAK Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Dubai National Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Specialist Clinic
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<ul> <li>You can go directly to a specialist at a clinic without a GP referral.</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go straight to the hospital for inpatient care without a referral.</li> </ul>
Adamjee
Adamjee
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
GP Clinic
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<ul> <li>You can visit a GP (general doctor) directly at a clinic.</li> <li>To see a specialist at a clinic, your GP must provide a referral (if required).</li> <li>For hospital admission (inpatient), a specialist referral is required (if applicable).</li> <li>In a life-threatening emergency, you can go directly to the hospital for inpatient care without a referral.</li> </ul>
Watania Takaful (Previously Noor Takaful)
Watania Takaful (Previously Noor Takaful)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
Abu Dhabi National Insurance Company
Abu Dhabi National Insurance Company
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
Allianz
Allianz
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Full Access
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<ul> <li>You can go directly to the hospital for any reason without any referrals.</li> <li>Full freedom for both outpatient (day visits) and inpatient (overnight stays).</li> </ul>
Sukoon Bupa
Sukoon Bupa
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Premium Network
Plans shown as per selected filters. T&Cs apply

What is Family Health Insurance?

Family health insurance in UAE isn’t a single plan that covers everyone equally. Instead, it refers to a group of health policies for family members. Here, each person is insured under their own policy — based on their age, medical history, and what kind of coverage they need.

This approach gives you flexibility and ensures every family member — whether it’s your spouse, children, or parents — gets the medical insurance plan that’s right for them. It also means you can mix coverage types. For instance, one person might be on a basic plan, while another is on a comprehensive one. As long as they’re your dependents, they can be part of your family insurance in UAE, as per legal eligibility.

For example, a young child might need vaccination and basic outpatient cover. A parent, meanwhile, may require more comprehensive health insurance for chronic illness or regular medication. Even though it’s called ‘family insurance’, each policy is customised individually but arranged and managed together for your household.

Overview of Family Health Insurance in the UAE

Parameter

Details of Medical Insurance Plans for Family

Type of Insurance

Individual plans tailored for each family member

Minimum Entry Age

From 0 days old (newborns can be insured immediately)

Maximum Entry Age

Up to 99 years, depending on insurer

Average Starting Cost

From around AED 32 per day (varies by age, coverage, insurer)

Maximum Medical Cover

Up to AED 7.35 million (as per the policy)

Policy Duration

Generally 1 year, renewable annually

List of Family Health Insurance Plans in the UAE

You can find several health insurance plans for family. Each offers different levels of coverage, pharmacy benefits, and pricing. Let’s take a look at some of the top plans — 

Plan Name

Medical Coverage (AED)

Pharmacy Limit

Type

Orient Insurance - Gold Plan A

1,000,000

Up to full medical cover

Comprehensive

Takaful Emarat - Rhodium Plan

1,000,000

Up to AED 15,000

Mid to high tier

Watania - Gold Plan A

1,000,000

Up to full medical cover

Comprehensive

Alliance - Universal Plus Plan

500,000

Up to AED 10,000

Budget-friendly

DNIRC - Gold Plan A

1,000,000

Up to full medical cover

Full coverage plan

These plans fall under the family medical insurance category. However, as mentioned earlier, each family member will receive a separate policy based on their own health profile. The prices and features may vary depending on age, pre-existing conditions, and selected add-ons like dental, maternity, or optical cover.

Health Insurance Category in UAE

Who Should Buy Family Health Insurance?

1. Families with Young Children or Ageing Parents

If you have young children who need regular check-ups or parents who may require ongoing treatment, family health insurance ensures everyone is protected. Medical needs vary by age — having the right coverage for each family member is essential.

2. Residents Without Employer Health Benefits for Dependents

Not all employer plans cover your family members. In such cases, you’ll need separate family insurance in UAE for your spouse, children, or parents. It’s especially important if your job only insures you.

3. Families Managing Healthcare Costs on a Budget

Hospital bills can get overwhelming. Buying separate insurance for each person adds up quickly. With the right mix of health policies for family, you can get tailored coverage and avoid overpaying while still getting full benefits.

4. Individuals Seeking Coverage for Parents

Health insurance for parents is a must if they live with you in the UAE. Medical care for older adults can be expensive, especially with chronic conditions. A dedicated family medical insurance plan provides timely care without draining your savings.

5. Anyone Who Wants Financial Security During Emergencies

Life is unpredictable. From accidents to sudden illnesses, emergencies can happen anytime. A solid family insurance plan gives you quick access to quality treatment without worrying about costs.

What is Included and Not Included in Family Health Insurance?

When choosing a family health plan in the UAE, it’s important to know exactly what’s covered and what’s not. Every insurer may offer slightly different benefits, but here’s a general idea of what most health insurance plans for family include and exclude —

✅ What’s Covered Under Family Medical Insurance ❌ What’s Usually Not Covered in Family Insurance Plans

✔️ Hospital room charges

✔️ Doctor consultations

✔️ Emergency treatments

✔️ ICU and operation theatre costs

✔️ Daycare procedures (like minor surgeries that don't need overnight stay)

✔️ Ambulance charges

✔️ Maternity care (in selected plans)

✔️ Dental and optical cover (if included in your plan)

✔️ Newborn baby cover (usually up to 30 days)

✔️ Outpatient consultations and diagnostics

❌ Cosmetic or plastic surgeries (unless medically required)

❌ Infertility treatments and IVF

❌ Dental or vision care (unless specifically included)

❌ Injuries from dangerous sports or activities

❌ Self-inflicted injuries or suicide attempts

❌ Unapproved or experimental treatments

❌ Birth control or contraceptive procedures

❌ Routine check-ups (unless part of the plan)

❌ Non-prescription medications

 

How Many Members Can Be Covered Under Family Medical Insurance Plans?

A family medical insurance plan in the UAE is designed to cover your immediate or ‘nuclear’ family. That means you can include the following members —

  • 👨‍👩‍👧‍👦 Spouse (husband or wife)
  • 👶 Children (biological or legally adopted)
  • 👵👴 Parents (father and mother)

Most insurers allow you to include up to 4 to 6 members in a single family health insurance arrangement. However, each person is still issued their own individual policy, tailored to their age and health needs. 

👉 Extended family members like siblings, in-laws, cousins, or grandparents cannot be included under standard family insurance in UAE. If you want to cover them, you’ll need to explore separate individual health insurance plans.

Why Compare Family Health Insurance Plans on Policybazaar Insurance?

Not all family insurance plans are the same — and not all of them suit your family. That’s where Policybazaar Insurance UAE makes things easier.

Instead of calling multiple insurers or visiting different websites, you can compare the best family medical insurance plans in the UAE in one place.

Feature

What It Means for You

🔍 Compare Plans Instantly

See benefits, coverage, and prices from multiple insurers — all side by side.

💸 Find What Fits Your Budget

Choose a plan that offers the right value, not just the lowest price.

🏥 Check Hospital Networks

Make sure your preferred clinics and hospitals are covered before you buy.

📲 Buy Online in Minutes

Submit your documents, make payment, and get your policy — without stepping outside.

🤝 Get Expert Help if Needed

Not sure which plan to pick? Talk to licensed advisors via chat or phone!

🔁 Easily Renew or Switch Later

Already have a plan? You can log in and renew or switch to a better one in just a few clicks.

How to Claim Family Health Insurance in the UAE?

Emergency Treatment (Any Hospital)

  • Get treated right away
  • Inform your insurer within 24 hours of admission
  • Keep all documents (bills, reports, discharge summary)
  • Submit a reimbursement claim
  • Insurer processes claim (usually within 15–30 working days)

Cashless Claim at a Network Hospital

  • Visit a listed network hospital
  • Show your insurance card or Emirates ID
  • The hospital sends a pre-approval request to the insurer
  • Once approved, treatment is done without payment (except any co-pay, if applicable)

Reimbursement Claim at a Non-Network Hospital

  • Pay the bill at the hospital
  • Collect all original documents (invoices, doctor’s reports, test results)
  • Submit a reimbursement request via app, email, or in person
  • The insurer will review and pay back the approved amount

Can I buy family health insurance if I’m self-employed or a freelancer in the UAE?

Yes, you can. Many insurers in the UAE offer family medical insurance plans for self-employed individuals and freelancers. You'll need to provide proof of income, valid Emirates IDs for all family members, and residence visas.

Is maternity cover included in all family health insurance plans?

Not always. Some health insurance plans for family include maternity benefits, but others may offer it as an add-on. Also, there’s usually a waiting period (e.g., 40 days –12 months), so it’s best to check this before buying a plan if you’re planning a pregnancy.

Can I switch my insurer later if I’m not happy with the current family plan?

Yes, most plans under family insurance in UAE are annual. You can compare and switch providers when your policy is up for renewal. Just make sure there’s no break in coverage while transitioning.

What happens if one of my covered family members moves out of the UAE?

If a family member leaves the country permanently, you can cancel their individual policy under the family insurance. You’ll need to provide proof of exit (like visa cancellation) to the insurer.

Are pre-existing conditions covered under family health insurance?

They can be, but with conditions. Some family health insurance plans cover pre-existing medical conditions after a waiting period, while others may charge a higher premium or exclude them. Always disclose medical history honestly during the application.

Do all family members need to be insured by the same company?

No, it’s not mandatory. You can mix and match if needed, especially if someone in the family has special coverage needs (e.g., health insurance for parents). However, using one insurer can simplify renewals and paperwork.

Can I include my newborn baby in the family plan immediately after birth?

Yes. Most policies related to family health insurance in UAE allow you to add a newborn within the first 30 days of birth. Some even offer newborn cover automatically under the mother’s plan during that period.

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