Dubai
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Health insurance

Health insurance in the UAE: options compared

Health insurance is a condition of residency. Here are options compared on coverage, network, limits and renewal, each with its source.

Health · Individuals and families

Daman

Select a plan

Annual premium based on profile and plan

Individuals and Families range for residents, with several coverage levels.

  • Individuals and families
  • Local and international options
  • Check the network for the exact plan
Coverage
Local and worldwide options depending on plan. Specify planned care and emergency coverage.
Network
Request the provider list and network tier.
Limits
Confirm limit, co-payment, exclusions and waiting periods in the benefits schedule.
Renewal
Confirm premium and renewal conditions.
Taxes
Ask for the annual tax-inclusive premium and policy fees.
Watch out
Compare a specific plan, its network and benefits.
Questions to ask before signing
  • Which plan meets the requirements of my residency emirate, visa and family?
  • Are my preferred providers in the exact network?
  • What contractual limit, co-payment and exclusions apply?

Daman · Individuals and Families ↗

Health · Individuals and families

Sukoon · HealthPlus

Several benefit levels

Personalised annual premium; specify fees

HealthPlus range with several levels. Territory and network vary by option.

  • HealthPlus options
  • Territory varies by option
  • Different network for each level
Coverage
Prime, Pro, Max: worldwide excluding USA/Canada. Other levels: regional territory according to the schedule.
Network
Network depends on the option; confirm providers.
Limits
Limit, deductible, co-payment and exclusions depend on the chosen option.
Renewal
Confirm price and conditions after assessment.
Taxes
The website states prices exclude VAT/policy fees and are not binding before assessment.
Watch out
Coverage level varies by HealthPlus option.
Questions to ask before signing
  • Which option covers my preferred countries of treatment?
  • What is the annual tax-inclusive amount after application assessment?
  • What sub-limits, co-payments and waiting periods apply?

Sukoon · HealthPlus ↗

Health · Local, regional, worldwide

GIG Gulf

Three geographical levels

Annual premium after choosing the level

Local, Regional and Worldwide health plans. Coverage and network depend on the selected level.

  • Local, Regional or Worldwide
  • Explicit territory options
  • Request a benefits schedule
Coverage
Local: UAE + eligible home country. Regional: listed countries. Worldwide: worldwide excluding USA.
Network
Check the locator and network for the selected level.
Limits
Confirm annual limit, co-payment, exclusions and optional benefits.
Renewal
Ask about conditions and premium changes.
Taxes
Specify tax-inclusive premium and policy fees.
Watch out
The home country must be eligible; the worldwide plan excludes the USA.
Questions to ask before signing
  • Is my preferred home country included in the coverage?
  • Which providers and direct billing apply to this plan?
  • Which treatments and conditions are excluded?

GIG Gulf · health plans ↗

Health · Regional and worldwide

Cigna · Healthguard

Configurable coverage

Annual premium based on option, network and extras

Healthguard Regional, International and International Plus plans; select network and options.

  • Regional or international plans
  • USA option for international plans
  • Select the network tier
Coverage
Regional: territory defined in the contract. International plans: worldwide, USA option subject to offer.
Network
Four tiers offered; verify providers in the selected network.
Limits
Confirm limit, patient share, exclusions and options in the contract.
Renewal
Request renewal conditions and premium.
Taxes
Confirm tax-inclusive amount and policy fees.
Watch out
International coverage and network are separate choices.
Questions to ask before signing
  • Which territory and USA option do I need?
  • Which network includes my preferred providers?
  • What limit, co-payment and renewal conditions apply?

Cigna · Healthguard ↗

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