Sukoon Health Insurance

About Sukoon Insurance 

50 Years of Excellence, 1.36 Million Customers, and a Track Record UAE Residents Rely On

Sukoon Insurance is known for combining strong financial performance with customer-centric service. Over the years, they’ve expanded across UAE and Oman, serving individuals, families, and corporate clients. 

For 50 years, Sukoon has been one of the UAE’s most trusted names in health and medical coverage. They offer reliable claim support, strong hospital networks, and flexible plans designed for individuals, families, and employers.

Key Highlights

• 50 years of insurance excellence in UAE
• 1.36 million+ insured members
• 700+ experienced professionals
• 25 digital services launched
• AED 2 billion+ paid in claims every year
• Trusted across the UAE & Oman

Sukoon’s long-term success comes from a simple philosophy: protect what matters — health, family, and wellbeing.

Top Sukoon Medical Insurance Plans in the UAE 

Sukoon offers a wide range of plans under the "Integration" series. Each plan differs by coverage amount, network, benefits, and price. 

Features & Benefits of Sukoon Insurance Health Plans

Sukoon Insurance offers dependable medical benefits with simple terms designed for UAE residents. Below is a structured comparison of major features:

Common Features Across All Plans

• Standard 10% co-pay applies to outpatient consultations, diagnostics, pharmacy, and physiotherapy across all plans.
• Pharmacy limits are always equal to the medical cover for every plan.
• Emergency services are covered under all Sukoon Health Insurance plans.
• All plans offer direct billing at their respective network hospitals and clinics.
• Pre-existing conditions are covered as per UAE insurance regulations and insurer approval.
• All plans follow DHA/DoH guidelines, including pre-approvals for major procedures like MRI, CT, surgeries, and maternity.

✅ What Is Covered Under Sukoon Health Insurance?

General Medical & Hospitalisation

• Non–pre-existing chronic conditions (subject to the exclusions list) up to policy limit
• Elective treatment:
  • Outside UAE (within covered territory) – Reimbursement
  • Inside UAE / Inside Network – Direct Billing
  • Inside UAE / Outside Network – Reimbursement
• Emergency treatment:
  • Outside UAE (within covered territory) – Reimbursement
  • Inside UAE / Inside Network – Direct Billing
  • Inside UAE / Outside Network – Reimbursement
• Daycare treatment and minor surgeries
• Internal prosthetic devices during covered surgeries
• Road ambulance emergency transport

Diagnostics & Preventive Care

• Lab tests, scans, X-rays, endoscopies, and histopathology
• DHA minimum preventive services
• Diabetes screening
• Hepatitis C screening & treatment
• Hepatitis B virus screening & treatment (as per guidelines)
• Basmah Initiative (cancer screening & treatment)
• Adult pneumococcal conjugate vaccine
• Basic vaccination for children (0–6 years) per the MOH schedule

Emergency Dental, Vision & Hearing (only in emergencies)

• Dental and gum treatments
• Hearing aids
• Vision correction surgeries (e.g., laser)

Specialist Treatments

• Immunotherapy & immunomodulators (if medically necessary)
• Hormone replacement therapy (excluding growth hormone & excluded conditions)
• Ophthalmology (injuries and illness; not routine vision tests)

Other Medical Coverage

• Recreational non-hazardous sports injuries
• Airfare for treatment outside UAE (limited & reimbursement basis)
• Maternity care (as per plan):
  • Ante/post-natal consultations
  • Ante/post-natal tests

Wellness & Alternative Medicine
(Only in higher-tier plans)

• Wellness check-ups
• Basic or enhanced alternative medicine (licensed practitioner only)

❌ What Is Not Covered Under Sukoon Health Insurance?

• Birth defects, genetic disorders & congenital conditions
• Work-related injuries & illnesses
• Professional or hazardous sports injuries
• Circumcision for new Muslims (Abu Dhabi-specific rule exceptions apply)
• Routine dental treatment (non-emergency)
• Enhanced dental cover (if not included in plan)
• Routine optical care (glasses, contact lenses, refraction tests)
• Enhanced optical benefits (if not included in plan)
• Growth hormone therapy
• Non-licensed alternative medicine

Why Do UAE Residents Prefer Sukoon Health Insurance?

Choosing the best medical insurance provider is not just about price; it’s about trust, claim support, and benefits. Here’s why Sukoon Insurance stands out:

✔ 50 Years of Experience

Half a century in the UAE market means deep knowledge and reliable service.

✔ Strong Financial Strength

AED 2 billion is paid in claims every year, a clear sign of stability.

✔ Award-Winning Services (2024)

• UAE’s Best Health & Life Insurer
• Best Customer-Centric Insurance Company
• Best Online Insurance Services
• UAE’s Insurance Company of the Year

✔ Widest Medical Provider Network

Thousands of approved hospitals, clinics, and pharmacies across different network tiers.

✔ Simple, Transparent Plans

Clear benefits, predictable premiums, and no hidden clauses.

Things to Check Before Buying Sukoon Medical Insurance

Before you choose a Sukoon health insurance plan, make sure it matches your real healthcare needs. Here’s what to look at:

• Hospital Network: Check if your preferred clinics or hospitals are included in Sukoon’s network.
• Coverage Requirements: Choose a plan that fits your lifestyle, whether you need maternity, dental, optical, or wellness benefits.
• Premium Affordability: Ensure the yearly cost stays within your budget without compromising essential benefits.
• Claims & Service Quality: Sukoon has a strong reputation for customer service, so look at reviews for clarity on real user experiences.
• Co-pay & Deductibles: Understand how much you’ll pay during each visit before insurance starts covering the rest.
• Pre-existing Conditions: Review how the plan handles chronic or long-term medical conditions.

Benefits of Buying Sukoon Health Insurance Online

Buying Sukoon medical insurance online is much faster and more convenient. Here's why: 

• Instant Comparison: You can easily compare different Sukoon plans and benefits side by side.
• Zero Paperwork: All documentation is digital, no physical forms required.
• Instant Policy Issuance: You receive your policy document immediately after payment.
• Exclusive Online Discounts: Online channels often offer lower prices than offline purchases.
• Quick Approvals: Faster verification and processing.
• Easy Renewals: Renew your policy online with just a few clicks.

How to Buy Sukoon Medical Insurance via Policybazaarinsurance.ae?

Policybazaarinsurance.ae is one of the simplest ways to research and buy Sukoon plans.

1. Visit Policybazaarinusrance.ae → Health Insurance
2. Enter your details
3. Apply the filter and select Sukoon under insurers
4. Compare Sukoon plans side-by-side
5. Select your preferred plan
6. Pay online & download your policy instantly

Why Buy Through Policybazaarinsurance.ae?

• Access to top-rated insurers
• 24/7 support
• Transparent plan comparison
• Renewal reminders
• User-friendly digital process

Sukoon Health Insurance Claim Process

Sukoon makes claims simple and fast, with several digital options.

How to Submit a Claim

• Submit via the mySukoon app, online portal, or visit any Sukoon branch

Upload the required documents:

• Medical invoices and receipts
• Test reports
• Health card
• Completed claim form

Important Notes

• Submit claim within 120 days of treatment
• One claim per member
• Large claims may require original documents (AED 5,000+ abroad / AED 10,000+ UAE)

Claim Settlement

• Claims settled within 3 weeks
• Reimbursement based on network customary prices
• Co-insurance (usually 20%) applies

Example: If your consultation is AED 400 but your network average is AED 250, Sukoon reimburses AED 250 minus the deductible and co-pay.

Conclusion: Is Sukoon Health Insurance Worth It?

Yes, Sukoon is one of the UAE’s most trusted, financially stable, and customer-focused insurers. With 50 years of experience, award-winning services, and 1.36 million satisfied customers, Sukoon remains a top choice for expats, families, and companies in the UAE. If you want reliable medical coverage with a strong hospital network and smooth claim processing, Sukoon Health Insurance is an excellent choice.