Policybazaar Insurance
Policybazaar Insurance

Sukoon Health Insurance

Operating since 1975 and headquartered in Dubai, Sukoon is known for its large medical network of 3500+ hospitals and clinics, and easy claim process. The company offers medical plans designed for individuals, families, employers, and dependents, making it suitable for residents with different ...read more healthcare needs.

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AED 1 million Health cover starting @4/Day

Selecting health insurance for
Self Only
Both Self and Family
Family without Self
Domestic Workers
Investor

Health Insurance UAE Plans

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
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
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.
E CARE 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>
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

Why Choose Sukoon Health Insurance?

Picking a health insurer in the UAE is really about three things: network access, coverage clarity, and smooth claims. Sukoon performs well across all three with —

✔️ Access to 3500 + clinics & hospitals across all emirates

✔️ Plans for clinic-only, clinics + hospitals, and premium networks

✔️ Emergency treatment coverage in most plans

✔️ Options for maternity, dental, and optical benefits

✔️ Direct billing + fast reimbursement support

✔️ Plans that meet UAE visa & employer requirements

✔️ Affordable premiums with multiple plan tiers

✔️ Coverage for pre-existing & chronic conditions (as per regulator rules)

Types of Sukoon Health Insurance Plans

1. Basic Health Insurance (EBP / Essential Benefits Plan)

This is the simplest and most affordable plan of health insurance, mainly chosen for the UAE visa requirements or domestic helpers.

  • Covers essential medical services
  • GP referral needed for most specialists
  • Access to clinics only or a small hospital network
  • Limited outpatient & pharmacy benefits
  • Emergency care at the nearest hospital

Best for: Domestic workers, low-income earners, dependents who need only essential cover.

2. Semi-Comprehensive Plan

This is ideal if you need more flexibility and comfort without paying premium-level prices.

  • Wider network, including hospitals
  • Specialist access (with or without referral, depending on plan)
  • Better inpatient limits and approvals
  • Higher pharmacy limits

Best for: Individuals and families who want affordability but fewer restrictions.

3. Comprehensive Plan

It provides you with the highest protection level if you want maximum peace of mind.

  • Access to top-tier hospitals across the UAE
  • High limits for inpatient & surgeries
  • Maternity benefits included
  • Chronic & pre-existing conditions covered (after waiting period)
  • Optional dental, optical, and alternative treatments

Best for: Families, executives, people with frequent medical needs, and anyone wanting full coverage.

Top Sukoon Health Insurance Plans in UAE

Let’s take a look at the key features of Sukoon health insurance plans —

Plan Name

Maximum Coverage Amount (AED)

Coverage Territory

Pre-existing Conditions Coverage (AED)

Non Pre-existing Chronic Conditions Coverage

Safe

150,000

UAE, Arab Countries, and South East Asia

150,000 per year (without waiting period)

Up to Indemnity Limit

Home Lite

250,000

UAE, Arab Countries, and South East Asia — worldwide emergency (90 days/year)

150,000 per year (no waiting period)

Up to Indemnity Limit

Home

250,000

UAE, Arab Countries, and South East Asia — worldwide emergency (90 days/year)

150,000 per year (no waiting period)

Up to Indemnity Limit

Max

500,000

Worldwide excluding the USA and Canada

150,000 per year (no waiting period)

Up to Indemnity Limit

Pro

3,000,000

Worldwide excluding the USA and Canada

150,000 per year (without waiting period)

Up to Indemnity Limit

Prime

5,000,000

Worldwide excluding the USA and Canada

150,000 per year (without waiting period)

Up to Indemnity Limit

Related Health Insurance

What is Covered in Sukoon Health Insurance?

Most Sukoon plans include the following core benefits —

  • Inpatient treatment & hospitalisation
  • Outpatient consultations and diagnostics
  • Emergency care at any nearby hospital
  • Laboratory tests, X-rays, MRI/CT scans (as per limits)
  • Specialist visits (direct or referral-based)
  • Prescribed medication expenses
  • Coverage for chronic & pre-existing conditions after waiting period
  • Optional maternity, dental, and vision benefits

Example: If you’re admitted for appendicitis, the plan covers surgery, anaesthesia, room charges, and follow-up visits (as per plan terms). However,  coverage may differ across plan tiers. We advise you to always check limits and network levels before choosing.

What’s Not Covered in Sukoon Health Insurance? 

All health plans come with certain exclusions. Sukoon health insurance does not usually cover —

  • Cosmetic or non-medically necessary procedures
  • IVF, infertility, or assisted reproduction
  • Non-prescribed supplements or vitamins
  • Self-inflicted injuries
  • Injuries due to illegal or reckless activities
  • Experimental or unapproved medical treatments
  • Dental/optical, unless part of your chosen plan
  • Conditions under the waiting period

Eligibility for Sukoon Medical Insurance in UAE

You can apply if —

  • You hold a valid UAE residency visa
  • Your age falls within the insurer’s entry range (usually 0–99 years)
  • You’re applying for yourself, family members, dependents, or employees
  • Medical history may be required for specific conditions or age groups

Documents Required

To issue your Sukoon health policy, you typically need —

  • Emirates ID (front & back)
  • Passport copy
  • Residence visa copy
  • Previous insurance details (if available)
  • Medical reports for certain age groups or conditions

Who is Sukoon Best For?

Choosing the right Sukoon plan depends on your healthcare needs, budget, and lifestyle. Here’s who should buy —

  • Best for Low-Budget Users: Basic Plan is perfect if you mainly need clinic-level care and want to fulfil the UAE’s minimum visa/health mandate at an affordable price.
  • Best for Families: Choose a Semi-Comprehensive or Comprehensive Plan — you get a wider hospital network, maternity benefits, better inpatient limits, and peace of mind for kids and dependents.
  • Best for People With Chronic Conditions: A Comprehensive Plan works best in this case. It typically includes more specialist consultations, diagnostics, follow-up visits, and higher annual limits.
  • Best for Domestic Workers: A Basic or Essential Benefits Plan (EBP) is usually suitable, offering essential medical coverage at budget-friendly premiums that meet employer requirements.

How Claims Work With Sukoon: Cashless vs Reimbursement

Sukoon allows you to claim medical expenses in 2 ways: cashless if you visit a network hospital, and reimbursement if you visit a non-network provider. Both methods are straightforward, but knowing the difference helps you avoid delays and unnecessary payments.

Cashless Claims (At Network Hospitals)

  1. Visit any hospital in the Sukoon network
  2. Present your Emirates ID or insurance card
  3. The hospital sends a pre-approval request
  4. Insurer reviews and approves (or asks for clarification)
  5. Treatment is done
  6. The insurer settles the bill directly with the hospital
  7. You pay only the required copayment

Reimbursement Claims (Non-Network Providers)

  1. Pay the hospital bill yourself
  2. Collect all bills, reports, and prescriptions
  3. Submit the claim form + documents online
  4. The insurer reviews and processes the claim
  5. You receive eligible reimbursement in 5–15 working days

How to Buy Sukoon Health Insurance Policy Through Policybazaarinsurance.ae?

Buying Sukoon health insurance through Policybazaarinsurance.ae is simple, fast, and fully digital. Just follow these steps:

1. Visit the Website: Go to Policybazaarinsurance.ae → Health Insurance

2. Enter Your Basic Details: Fill in your age, visa type, location, and dependents. The system will instantly show Sukoon plans that match your profile.

3. Apply Filters: Choose  Sukoon under the insurer filter.

4. Compare Plans Easily: Review plans side-by-side based on premium, coverage, or optional add-ons.

5. Select a Plan & Pay Securely: Pick the plan that fits your needs and complete the payment online.

6. Get Your Policy Instantly: Your policy document and E-card are generated immediately, no waiting, no paperwork.

Why Buy From Policybazaarinsurance.ae?

✔ Access to top UAE insurers

✔ 24/7 customer support

✔ Clear and transparent plan comparison

✔ Easy renewals and timely reminders

✔ 100% digital process from comparison to policy download

How much does Sukoon health insurance cost in the UAE?

Premiums typically start from AED ___ for basic plans and can go up to AED ___ for comprehensive coverage, depending on age, network type, and benefit limits.

How long does Sukoon take to process reimbursement claims?

It usually takes 5–15 working days, depending on documentation and case complexity.

Does Sukoon cover maternity expenses?

Maternity is covered in select plans only and usually starts after a waiting period of 40 days to 12 months, depending on the plan.

How can I check if my hospital is part of the network?

You can check the latest network list on Policybazaarinsurance.ae or through the insurer’s official website.

Are pre-existing conditions covered in the Sukoon medical plan?

Yes, after the applicable waiting period (usually 6 months–12 months, depending on the plan).

Does Sukoon cover dental and vision?

Only in semi-comprehensive or comprehensive plans. Basic plans do not include them.

Can I upgrade my Sukoon health plan later?

Yes, upgrades are allowed during renewal. New waiting periods may apply.

Is emergency treatment covered immediately?

Yes. Emergency coverage usually begins from day one of your policy.

Is newborn baby coverage included in Sukoon health insurance?

If the mother is covered under a maternity plan, the newborn is usually covered automatically for the first 30 days. You must add the baby to the policy after this period.

Can I get worldwide or regional coverage?

Some comprehensive plans offer GCC or worldwide coverage. Check your schedule of benefits.

How can I renew my Sukoon plan?

You can renew instantly through Policybazaarinsurance.ae by uploading updated documents.

Are routine check-ups included in Sukoon health insurance?

Routine or preventive check-ups are usually covered only in premium plans.

What should I do if a hospital denies cashless approval under my plan?

Ask the hospital to resend the pre-approval request with complete documentation. If it is still rejected, you may settle the bill yourself and then file a reimbursement claim.

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