Orient Health Insurance
Health insurance is essential for anyone living in the UAE. Orient Insurance is one of the providers that many people trust for medical coverage. The company offers a wide range of plans, from basic options for visa needs to comprehensive Family Care and Health Plus plans for wider protection. With strong hospital networks and simple claim support, Orient health insurance makes it easier to manage your medical expenses in Dubai. The plans are designed for different budgets, so you can choose the level of cover that suits your needs without stretching your finances.
We Are Rated
4.7/5★★★★★★★★★★Central Bank UAE
Registration No.: - 123
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.
Features & Benefits of Orient Health Insurance Plans
The key features and benefits of Orient health insurance plans are —
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.
More From
UAE Medical Insurance Prices : Affordable Plans Start at AED 4*Explore the latest UAE medical insurance prices for 2025. Compare affordable health plans for individuals and families, get coverage quotes, and find the best medical insurance in the UAE that fits your budget.
Best Health Insurance Companies in UAE 2025Looking for health cover in UAE? See ranked insurers, real plan comparisons and tips to save on premiums. Choose the right plan in minutes.
How to Check Medical Insurance Status Using Emirates ID?Learn how to check your medical insurance status using your Emirates ID in the UAE. Step-by-step guide to verify active health coverage through official portals like DHA, HAAD, and MOHAP.