Senior Citizen Health Insurance

What is Senior Citizen Health Insurance in UAE?

Senior citizen health insurance in UAE is designed for individuals aged 60 and above. It offers benefits that match their unique health requirements. As people age, the chances of chronic conditions, hospital visits, and long-term treatments increase. This makes medical insurance for senior citizens in UAE a necessity rather than a choice.

These plans typically cover the following —

• Pre-existing diseases, which are common among the elderly
• Inpatient & outpatient treatments, including surgeries and diagnostics
• Coverage for serious conditions
• Preventive health check-ups
• Cashless hospitalisation at network hospitals

An Overview of Medical Insurance for Parents in UAE

When buying medical insurance for parents in UAE, it’s important to understand how these plans work and what are the pre-requisites are for insurers. Senior plans are designed for individuals in their late 50s, 60s, 70s, and even 80s.

Here’s a quick overview of the typical features —

Why Do I Need Separate Medical Insurance for Parents?

Buying health insurance for parents above 60 in UAE is essential for four major reasons —

Healthcare is Expensive

Hospitalisation, chronic illness treatments, and emergency care can cost thousands of dirhams. A dedicated senior citizen medical insurance plan protects your savings while ensuring quality treatment.

Higher Risk of Serious Illnesses

Seniors face increased chances of heart disease, cancer, kidney issues, and other chronic conditions. Health insurance for senior citizens above 60 years in UAE comes with benefits designed for these needs.

Peace of Mind for the Whole Family

Separate senior plans ensure that ageing parents get the specialised care they need, something regular family plans may not provide. Also, you get a stress-free retirement for your parents and financial security for you.

Annual health check-ups

Senior plans often include preventive screenings. This ensures that issues are detected early and treated on time.

Top Medical Insurance for Parents in UAE

Here are some of the best-rated plans for medical insurance for senior citizens in UAE. We will also take a look at their medical cover and pharmacy limits —

Overview of Parents' Insurance Plans in UAE

Ecare Blue (Dubai Insurance)

Ecare Blue offers AED 1 million annual coverage within the UAE and select home-country/SEA regions. Outpatient care is limited to clinics, while inpatient treatment uses the full network. 

Pre-existing conditions are covered up to AED 150,000 if declared and underwritten. Note that undeclared conditions are excluded until renewal.

Health First Plan G (Fidelity United)

This plan for senior citizen health insurance UAE provides AED 500,000 coverage with treatment allowed outside the UAE for up to 90 days per trip. It includes private room stay, emergency ambulance, and daily companion benefits. Pre-existing conditions are covered up to AED 150,000 after medical underwriting.

NAS Plan 6 (Watania Takaful)

NAS Plan 6 offers AED 1 million worldwide coverage, with treatments in the US/Canada covered for emergencies only. Outpatient care is limited to clinics, while inpatient rooms are semi-private. Pre-existing conditions are covered up to AED 150,000 if declared and underwritten. Just like any other standard plan, undeclared conditions remain excluded.

Nextcare RN3 (RAK Insurance)

The Nextcare RN3 provides AED 1 million worldwide coverage with clinic-only outpatient access. It’s an excellent plan for medical insurance for parents in UAE and includes semi-private rooms, emergency ambulances, and full diagnostics with no co-pay. Pre-existing conditions are covered up to AED 150,000 with proper disclosure and underwriting.

Silk Road – Family Care (Orient Insurance)

Silk Road Family Care offers worldwide coverage with limits from AED 150,000 to AED 1 million. Outpatient treatment is restricted to clinics, and overseas coverage is capped at 90 days per trip. Pre-existing conditions are covered up to AED 150,000 if declared and medically underwritten.

Bronze (ADNIC)

This plan under health insurance for parents above 60 in UAE covers AED 250,000 annually for inpatient and emergency care within the UAE. Pre-existing conditions are covered only if declared, and outside-UAE treatment is not included. Upgrading room type is at the member’s own cost.

What is Covered Under Medical Insurance for Senior Citizens in UAE?

Senior citizen health insurance UAE generally includes the following benefits —

 ✅Hospitalisation Expenses

It covers room rent, nursing, ICU, surgery costs, anaesthetist fees, and operation charges for both planned and emergency admissions.

 ✅ Pre- & Post-Hospitalisation

Plans cover doctor consultations, lab tests, scans, and medicines before and after hospitalisation.

 ✅ Daycare Procedures

Medical insurance for parents usually includes treatments that don’t require 24-hour admission. This could be dialysis, cataract surgery, chemotherapy, and more.

 ✅ Domiciliary Treatment

It pays for medical treatment taken at home when the patient cannot be moved to a hospital or if a hospital bed is unavailable.

 ✅ Ambulance Services

Emergency ambulance transportation to the nearest approved hospital is covered under health insurance for parents above 60 in UAE.

 ✅ Pre-Existing Conditions

Pre-existing ailments are covered after a waiting period (varies by insurer). Note that some insurance companies may cover such conditions from day one after a loading charge on top of the basic premium.

 ✅ Annual Health Check-ups

Most senior plans include complimentary yearly health screening for early detection of health issues.

What is Not Covered Under Senior Citizen Health Insurance in UAE?

❌Cosmetic or Aesthetic Treatments

Plastic surgery or cosmetic enhancements are not covered unless medically necessary.

❌ Self-Inflicted Injuries

Injuries due to self-harm or attempted suicide are excluded under senior citizen medical insurance UAE.

❌ Certain Non-Allopathic Treatments

Alternative therapies not included in the policy — like acupuncture or naturopathy — are excluded unless stated.

❌ Routine Dental & Vision Care

Regular dental cleaning, vision tests, or spectacles are typically excluded unless caused by an accident or added as an optional benefit.

❌ War & Nuclear Risks

Injuries caused by war, rebellion, or nuclear incidents are not covered under medical insurance for parents above 60 years in Dubai or any other Emirate.

❌ Obesity-related Treatments

Weight-loss programs and obesity treatments are excluded.

❌High-Risk Sports & Adventure Activities

Medical expenses due to activities like scuba diving, racing, bungee jumping, and more are excluded under medical insurance for parents in UAE.

❌ Alcohol or Drug-Related Conditions

Illnesses arising from alcohol abuse or drug consumption are not covered.

When is the Right Time to Buy Health Insurance for Senior Citizens in UAE?

The best time to buy senior citizen health insurance in the UAE is as early as possible, ideally before any major health issues develop.

Why?

• Younger seniors (55–60) get better premiums. Plans for older adults often come with higher costs and stricter medical checks
   
• Regular plans typically cover up to 60–65 years, after which insurers shift customers to senior citizen plans.
   
• Waiting periods apply for pre-existing diseases. Moreover, plan options are reduced significantly after age 65–70

Key Takeaway: Age doesn't stop you from getting coverage in the UAE but buying earlier gives you far better prices, fewer restrictions, and wider benefits.

How to Reduce Senior Citizen Health Insurance Premiums in UAE?

Even though insurance for senior citizens in UAE is more expensive, here’s how you can still reduce your premiums with smart choices —

Buy Early & Stick With One Insurer

Buying early (40s/50s) keeps premiums low and allows you to build ‘No Claim Bonus’, loyalty benefits, and stable renewals.

Opt for Higher Deductibles & Co-Payments

Agreeing to pay a small part of medical costs (deductible/co-pay) significantly lowers annual premiums. This can be an ideal option for seniors with low hospitalisation frequency.

Use Wellness Benefits & No-Claim Bonuses

Insurers reward healthy habits, annual check-ups, and fitness milestones. Furthermore, no-claim years increase coverage without increasing premiums.

5 Reasons Why Senior Citizens Must Have Health Insurance in UAE

1. Rising Lifestyle Diseases: Conditions like diabetes, BP, cancer, and heart issues are more common today than ever.
2. High Medical Inflation: Healthcare costs in the UAE rise every year. Insurance protects your savings from being wiped out in an emergency.
3. High Premiums With Age: Buying early reduces long-term costs significantly.
4. Need for Comprehensive Coverage: Group plans usually fall short for the elderly needs. Dedicated senior plans offer wider benefits.

How to Find the Best Senior Citizen Health Insurance in the UAE?

The simplest way to find the best senior citizen medical insurance is through Policybazaarinsurance.ae. On this platform, you can compare coverage, benefits, premiums, waiting periods, add-ons, network hospitals, and more.

Just visit the quotes page and choose a plan that fits your parents’ needs. Click here to start your journey today!

Why Buy Medical Insurance for Parents from Policybazaarinsurance.ae?

Buying through Policybazaarinsurance.ae offers —

• Easy comparison of multiple senior health insurance plans
• Transparent policy details and coverage explanations
• Personalised assistance from experts
• Quick purchase process with minimal paperwork
• Support in choosing the right coverage for elderly parents

Process: Go to Policybazaarinsurance.ae → Health Insurance → Fill the form → Get expert callback → Compare → Buy

Claim Process for Senior Citizen Health Insurance

• Inform the insurer when a medical issue arises
• Gather required documents (bills, reports, claim form)
• Submit documents online or at a branch
• The insurer reviews the claim and may request clarifications
• Once approved, payment is made via cashless or reimbursement mode