Health Insurance

Health insurance helps protect you from unexpected medical expenses while giving you access to healthcare services when you need them. It may also be required under applicable UAE health insurance regulations.

Coverage may include inpatient hospital care, outpatient consultations, emergency treatment, prescription medication, diagnostic tests and preventive care. Maternity, dental, optical, mental health, and worldwide emergency cover may also be available, depending on the selected plan.

You can receive treatment from hospitals, clinics, and pharmacies included in your plan’s medical network. We recommend checking the applicable provider network before arranging treatment.

Direct billing allows an eligible network healthcare provider to submit covered medical expenses directly to the insurer. You may still need to pay any applicable deductible, co-payment or coinsurance.

Treatment outside the network may not be covered or may be available on a reimbursement basis, depending on your plan. Different deductibles, coinsurance, or reimbursement limits may apply.

Certain treatments and services, such as hospital admission, surgery, specialized diagnostic tests or planned procedures, may require pre-approval. Your healthcare provider will generally submit the request on your behalf.

Seek immediate treatment at the nearest appropriate medical facility. Where required, you or the healthcare provider should notify the insurer as soon as reasonably possible. Coverage remains subject to your policy terms and conditions.

These are different forms of cost-sharing:

A deductible is a fixed amount you pay towards an eligible service.

A co-payment is a set amount you pay when receiving treatment.

Coinsurance is a percentage of the eligible medical cost that you pay.

The amounts applicable to you will be stated in your policy documents.

Coverage for pre-existing and chronic conditions depends on the selected plan and applicable regulations. Waiting periods, declarations, limits, or other conditions may apply.

Maternity benefits may include antenatal consultations, diagnostic tests, delivery and eligible newborn care. Coverage limits, waiting periods, and cost-sharing may apply depending on the plan.

Dental and optical benefits may be included in certain plans or offered as optional add-ons. Please refer to your schedule of benefits for the applicable services and limits.

Some plans provide regional or worldwide coverage, while others may cover only medical emergencies outside the UAE. Always review your geographical area of coverage before travelling.

Exclusions vary by plan and may include treatments that are not medically necessary, undeclared medical conditions, elective procedures or services outside the policy’s scope. Please review your policy wording and schedule of benefits for the complete list.

Your benefits, limits, medical network, geographical coverage and applicable cost-sharing are listed in your policy documents and schedule of benefits. You can also contact Al Wathba Insurance for assistance.

All benefits are subject to the selected plan’s terms, conditions, exclusions, limits and applicable UAE regulations.