Buy/Renew Orient Health Insurance Online in UAE

About Orient Insurance

Orient Insurance is one of the oldest and most trusted insurers in the UAE. It offers solutions for coverage across health, motor, travel and other insurance categories. The company is part of the Al-Futtaim Group, which adds strong financial backing and stability to its operations.

Over the years, Orient Insurance Dubai has built a reputation for fast claim handling, wide medical networks, and plans that cater to different customer needs. Its medical insurance plans are designed to balance affordability with meaningful medical benefits.

Types of Orient Health Insurance Plans

Orient health insurance is available across a wide range of plans to suit different medical needs and budgets in the UAE. From basic coverage for visa requirements to comprehensive family and global plans, each option comes with its own limits, networks, and benefits.

Plan Name	Annual Medical Cover	Geographical Scope	Pharmacy / Medicines Limit	Room Type
I-Med	AED 150,000	UAE + Home Country (IP only)	AED 2,500 per year	Shared room (2+ beds); outpatient only at PCP clinics
Health Plus – Plan 1	AED 1,000,000	Worldwide	Up to AED 5,000	Semi-private room
Health Plus – Plan 2	AED 1,000,000	Worldwide	Up to AED 10,000	Private room
Health Plus – Plan 3	AED 1,000,000	Worldwide	Up to AED 7,500	Private room
Health Plus – Plan 4	AED 1,000,000	Worldwide	Up to AED 5,000	Private room
Health Plus – Plan 5	AED 1,000,000	Worldwide	Up to AED 15,000	Semi-private room
GN Limited	AED 1,000,000	Worldwide	Up to AED 10,000	Private room; GN- network
Silk Road – Family Care	AED 150,000–1,000,000 (based on variant)	Worldwide	As per the chosen co-pay	Outpatient restricted to clinics only
Pearl – Family Care	AED 150,000–1,000,000	Worldwide	As per the chosen co-pay	Private room; broad network
Emerald	AED 150,000–1,000,000	Worldwide	As per the chosen co-pay	Private room; standard family benefits
Green – Family Care	AED 150,000–1,000,000	Worldwide	As per the chosen co-pay	Private room
Silver Classic – Family Care	AED 150,000–1,000,000	Worldwide	As per the chosen co-pay	Private room; mid-tier family plan
Silver Premium – Family Care	AED 150,000–1,000,000	Worldwide	As per the chosen co-pay	Private room; enhanced dental
Gold Family Care	AED 150,000–1,000,000	Worldwide	As per the chosen co-pay	Private room; top-tier benefits & network

Features & Benefits of Orient Health Insurance Plans

The key features and benefits of Orient health insurance plans are —

Feature / Benefit	I-Med	Health Plus (1–5 + GN Limited)	Family Care Plans (Silk Road, Pearl, Emerald, Green, Silver Classic, Silver Premium, Gold)
Annual Medical Cover	AED 150,000	AED 1,000,000	AED 150,000 – AED 1,000,000 (based on plan tier)
Geographical Coverage	UAE + Home Country (IP only)	Worldwide	Worldwide (up to 90 days per trip)
Room Type	Shared room (2+ beds)	Mostly private / semi-private	Private room across most variants
Outpatient Cover	GP-first approach, PCP clinics	Full OP with 20% to 0% co-pay options	Full OP cover with chosen co-pay
Pharmacy / Medicines	AED 2,500/year	AED 5,000 to AED 15,000/year (plan-wise)	Covered as per chosen co-pay (no fixed limit)
Diagnostics (X-ray, MRI, CT)	Covered with approval	Covered with 0–20% co-pay options	Covered with co-pay
Inpatient Hospitalisation	Covered with 20% co-pay (caps apply)	Covered up to annual limit	Covered up to annual limit
Maternity Cover	Up to AED 10,000	AED 10,000–20,000	AED 10,000 for normal & C-section (higher for emergencies)
Newborn Cover	30 days	30 days	30 days
Dental Cover	Limited (emergency only)	AED 500–3,000 depending on plan	AED 3,500 (Standard table)
Alternative Medicine	Not covered	Limited under higher plans	AED 1,600/year
Mental Health	Basic outpatient support	Covered up to AED 10,000	Emergency mental health only
Organ Transplant	Up to AED 100,000	Covered as per policy	Covered as per policy
Dialysis	Up to AED 60,000	Covered as per plan	Not covered under most family plans
Repatriation of Mortal Remains	AED 5,000	AED 10,000–20,000	AED 7,500
Network Type	NEXtCARE PCP/RN3	GN+, GN, GN-, RN, RN2, RN3	MedNet (Gold, Silver, Green, Pearl, etc.)
Emergency Services	Covered	Covered	Covered
Worldwide Emergency	Limited	Fully covered	Fully covered

Notes

Family Care plans focus more on strong hospital access, maternity cover, dental, and travel emergency support.
Health Plus plans are more premium and include higher outpatient, dental, and pharmacy limits.
I-Med is the most basic plan, mainly for visa compliance with essential benefits.
All plans follow DHA rules and require approvals for certain treatments like MRI, CT, surgeries, and maternity.

What is Covered in Orient Health Insurance Plans?

Orient health insurance covers a wide range of medical needs across inpatient care, outpatient services, maternity, dental, emergency treatment, and global protection. The exact limits vary by plan, but the core coverage remains consistent across most options.

Outpatient Services

These benefits apply to everyday medical needs and routine checkups —

Doctor consultations and follow-up visits
Specialist visits (with GP referral under some plans)
Laboratory tests, X-rays, ultrasounds, and other diagnostics
Prescribed medicines (limits depend on the plan)
Physiotherapy sessions with prior approval

Inpatient Treatment

It covers treatments that require hospital admission.

Hospital room charges (private or shared, depending on plan)
Surgeries and medical procedures
Intensive Care Unit (ICU) services
Specialist and surgeon fees
Diagnostic tests during admission
Emergency ambulance services

Maternity Benefits

Such benefits are included in most Family Care and Health Plus plans.

Antenatal checkups as per DHA protocols
Required screening tests (FBC, VDRL, HIV, Hepatitis, glucose tests, and more)
Normal delivery and medically necessary C-section
Maternity-related complications

Newborn Coverage

Newborn babies are covered under the mother’s policy for the first 30 days.

BCG and Hepatitis B vaccinations
Neonatal screening tests
Medical care required after birth

Emergency Treatment

Plans cover sudden and unexpected medical issues, anywhere within the geographical scope.

Emergency room treatment
Stabilisation in the nearest hospital
Worldwide emergency cover for most plans
Mental health emergencies
Emergency dental treatment due to accidental injury

What is Not Covered in Orient Health Insurance Plans?

Like all health insurance plans in the UAE, Orient Insurance does not cover a few treatments and services in its policies. Here are the major exclusions —

Cosmetic treatments and non-medically necessary procedures
Dental implants, braces, and other non-emergency dental work
Fertility treatments and assisted reproduction
Weight loss surgeries and slimming programs
Vision correction surgeries and hearing aids (unless emergency)
Non-prescription supplements, vitamins, and personal comfort items
Injuries from professional or high-risk sports
Undeclared pre-existing conditions
Epidemic or pandemic-related treatments (unless mandated by DHA)

TPA & Network Partner of Orient Insurance in Dubai

Orient health insurance works with two major TPAs in the UAE — Nextcare and MedNet — to manage networks, approvals, and cashless claims for different plan categories.

NEXTCARE (For I-Med & Health Plus Plans)

Nextcare is the TPA for Orient’s I-Med and Health Plus plans.

What Nextcare Manages

Hospital and clinic networks such as GN+, GN, GN-, RN, RN2, RN3
Cashless approvals for OP/IP treatment
Pre-authorisations for MRI, CT, surgeries, maternity
Claim processing and reimbursement outside the network
Emergency approvals and coordination

Plans Handled by Nextcare

I-Med Plan
Health Plus Plan 1
Health Plus Plan 2
Health Plus Plan 3
Health Plus Plan 4
Health Plus Plan 5
GN Limited

MEDNET (For Family Care Plans)

MedNet is the TPA for all Family Care plans.

What MedNet Manages

Cashless treatment at MedNet hospitals and clinics
Pre-approvals for OP/IP, dental, maternity, and diagnostics
Assist America global emergency assistance
Vaccination network and approvals
Reimbursement claims
Medical call centre (800 MedNet)

Plans Handled by MedNet

Silk Road – Family Care
Pearl – Family Care
Emerald
Green – Family Care
Silver Classic – Family Care
Silver Premium – Family Care
Gold Family Care

Why Should You Choose Orient Health Insurance in the UAE?

People choose Orient Insurance because it delivers strong medical protection without unnecessary complexity or hidden costs.

It offers some of the widest annual limits in its category. These go up to AED 1 million even in mid-range plans.
Family Care plans include strong dental, maternity, and alternative therapy benefits that many insurers do not provide at this price point.
Worldwide emergency cover and travel medical support are included even in non-premium plans.
Direct billing is available across large MedNet and NEXtCARE networks. This gives you easier access to hospitals and clinics.
Premium tiers offer private-room hospital stay as a standard benefit, not an add-on.
30-day newborn cover is automatically included, making it convenient for growing families.
Plans are regulated strictly under DHA guidelines.

How to Get an Orient Health Insurance Plan on PolicybazaarInsurance.ae?

Buying or renewing Orient health insurance through Policybazaarinsurance.ae is quick, simple, and fully digital.

Visit the official website Policybazaarinsurance.ae or click on any banner on the page to open the lead form.
Fill in your basic details such as salary, nationality, personal information, and other required fields.
You will be redirected to the quotes page where you can see and compare multiple plans at once.
Use the filter option to view only Orient medical insurance plans if you want a focused comparison.
Check the benefits, networks, and prices. Next, choose the plan that fits your requirements.
Complete the steps shown on the screen to submit documents and make payment securely.
You can also connect with our experts anytime if you need help selecting the right Orient Insurance plan.

Documents to Get Orient Health Insurance

To buy or renew Orient health insurance, you usually only need a few basic documents.

Emirates ID (front and back)
Passport copy
Visa page copy (if applicable)
Recent photograph (for some plans)
Medical application form (if required for Health Plus or Family Care plans)
Previous insurance card or policy (only for renewal cases)

Claim Process of Orient Health Insurance Plans

Orient Insurance offers a smooth claim process, whether you’re using cashless treatment or filing for reimbursement.

How Cashless Claims Work

Visit any hospital or clinic within the approved Orient Insurance network.
Show your Orient insurance card or e-card at the reception.
The provider will get approval directly from the insurer before starting treatment.
Once approved, you only need to pay the required co-pay (if applicable).

How Reimbursement Claims Work

Get treatment at any non-network hospital and pay the bill yourself.
Collect all documents. This can include invoices, prescriptions, reports, and discharge summary.
Submit these through Orient’s claim portal or the TPA mobile app.
The insurer reviews the documents and processes your claim as per policy terms.
Approved amounts are transferred directly to your bank account.

What You Need for a Reimbursement Claim

Completed claim form
Original invoices and receipts
Doctor’s consultation notes
Lab or radiology reports (if applicable)
Prescription and pharmacy bills
Discharge summary for inpatient cases

What is the difference between Orient’s Health Plus plans and the Family Care plans?

Health Plus plans offer higher pharmacy limits, stronger outpatient benefits, and wider networks. Family Care plans focus more on maternity, dental, alternative medicine, and worldwide emergency support.

Does Orient Insurance offer coverage outside the UAE?

Yes. Most mid and high-tier plans include worldwide emergency cover. Family Care plans allow up to 90 days of cover per trip outside the UAE.

Are pre-existing conditions covered?

Yes, but they must be declared in the medical form. Once declared and approved, they are covered up to AED 150,000 per year (as per the plan).

Do Orient plans include dental benefits?

Basic plans offer only emergency dental care. Family Care and Health Plus plans, meanwhile, include scaling, fillings, extractions, X-rays, and root canal treatment.

Does Orient provide maternity cover?

Yes. Maternity benefits are available in Family Care and Health Plus plans, including antenatal checkups, normal delivery, C-section and maternity complications.

How do I know which network my Orient health insurance plan comes with?

Each plan comes with a specific MedNet or NEXtCARE network. You can check this on your policy card or the plan details shown on Policybazaarinsurance.ae.

Does Orient Insurance cover alternative medicine?

Yes, select Family Care plans include benefits for Ayurveda, chiropractic, homeopathy, acupuncture, and osteopathy, subject to yearly limits.

Can I upgrade my plan during the policy year?

Upgrades are not allowed mid-term. You can choose a higher plan at renewal.

Do I need pre-approval for all treatments?

Only certain services like MRI, CT scan, surgeries, and maternity admissions require approval. Regular consultations and tests at network facilities are usually billed directly.

Is there coverage for mental health?

Health Plus plans include mental health treatment up to a set limit. Family Care plans offer coverage for emergency mental health only.

Orient Health Insurance