8 Cheapest Health Insurance in UAE, Expats Should Know!

The United Arab Emirates is one of the best places to live, especially for expats. They offer the best quality of life with modern medical facilities, accommodations, excellent school systems, highly developed infrastructure, and entertainment. To live properly, you will need the cheapest health insurance in UAE.

Because the living cost in UAE is the most expensive for Middle east countries, especially if you have a plan to live in Dubai, medical facilities may be overpriced. If you face problems with your health during live here, you will need some health insurance.

In this article, we will discuss the cheapest health insurance in UAE. You can pick one of them to cover and protect your health needs. Let’s check out the best health insurance in UAE for the budget.

Cheapest Health Insurance in UAE

Health insurance is the most important thing, especially when you stay in another country where you have yet to learn about the cost of health in that country. So, you will need guidance to recommend the cheapest health insurance in UAE.

1. AXA Insurance

AXA is the most popular health insurance in the world.  They have five customized plans designed just to be perfect for you. They provide direct billing for out-patient or in-patients in the UAE with pre-existing and chronic conditions.

For those of you who want to have a baby in UAE, AXA Insurance can be the best choice because there is maternity coverage in this insurance. The insurance costs 677 AED per year. It’s pretty affordable for health insurance in UAE.

2. Orient Insurance i-Med

The second cheapest health insurance in UAE is Orient Insurance i-Med. The key benefits of this company are outpatient and in-patient benefits with a 20% co-payment. In addition, the yearly premium is also reasonable because it only costs 875 AED per year.

They also have many benefits such as chronic illnesses and pre-existing conditions, lab tests and radiology, maternity benefit, and emergency healthcare services are also covered by the insurance.

3. National Health Insurance Company

It is also one of the cheapest health insurance in UAE that you can get. The yearly premium is only 615 to 800 AED. The cost depends on its domestic helper or dependent on yourself. It is a local health insurance plan with options for worldwide benefits.

The coverage is also great, with over 2000 hospitals, clinics, and pharmacies, a massive UAE network. Furthermore, the range is out-patients, in-patients, emergency service, and maternity benefits.

4. Oman Insurance

This is the cheapest insurance in UAE that is based in Oman. They offer more than 500 hospitals, clinics, and 1400 pharmacies that you can use for your health needs. Oman Insurance is also the best with affordable premiums in UAE, AED 560 annually.

It’s rated “A-Excellent” by AM Best and “A-Stable” by Standard & Poors. The excellent service that they gave because several reinsurers like Allianz, Munich Re, Swiss Re, and Arig support Oman Insurance

5. RAK Insurance

RAK Insurance is the cheapest insurance in UAE on this list. The yearly premium only starts from AED 485. They cover benefits like in-patient and outpatient services, diagnosis, tests, surgeries, and treatments for non-urgent medical cases. It also provides maternity cover, emergencies, and daycare services.

RAK Insurance has beneficial support. They claim that their customer service is an “award-winning contact center” that is ready to take any of your calls from Sunday-Friday (07.00 am – 10.00 pm) and Saturday (08.00 am – 5.00 pm).

6. Takaful Emarat

Takaful Emarat is a UAE-based health insurance that can help you to cover yourself and your family with high-quality service and Sharia compliance. It’s suitable for individuals or families who live in UAE. In addition, it provides a cooperative insurance system with a range of options.

It is one of the cheapest health insurance in the UAE, including optical, dental, and maternity insurance. They also cover treatments and surgeries for non-urgent medical cases, diagnoses, and tests. If you’re interested, prepare a budget because the premium starts from AED 525.

7. Metlife Alico

This is the most prominent UAE health insurance company. They offer a range of life insurance with flexible plans and investment products. Metlife Alico is a global insurance provider, employee benefits programs, and annuities.

They were founded in 1868 in the middle east region. In addition, they have provided the best insurance for people in the central east area for over 60 years. The yearly premium is very affordable: 761 AED for domestic help. Meanwhile, those who register for this insurance by themselves cost 1.312 AED.

So, what is in the package of Metlife Alico? With this insurance, you can get coverage for medical visits to general doctors in UAE, just a few insurance companies that can provide medical visits for available doctors.

They also provide diagnostic tests, prescription drugs, maternity services, in-patient treatments, emergency medical treatments or hospitalization, and physiotherapy, preventive services (DHA mandatory vaccines and immunizations).

8. Alliance Insurance Limited

You might be familiar with Alliance Insurance Limited. It is a worldwide health insurance that is available in many countries, such as South Korea, the Philippines, Arab World, Sri Lanka, Indian Subcontinent, and of course, the United Arab Emirates. 

The key benefit of this insurance is drug coverage, preventive services coverage, maternity coverage, and many more. They also have no co-payment inpatient or 20% co-payment outpatient.

They provide a NextCare RN2 network of 63 hospitals and 800 clinics. Furthermore, they also cover the customer who needs hospitalization. You can get benefits such as ambulance costs, incidental accommodation, and room rent.

Which Cheapest Health Insurance in UAE Will You Purchase?

If you plan to live in the United Arab Emirates, you will need health insurance. Health problems can cost a lot of money because of the living cost in the United Arab Emirates, especially in Dubai. So let’s choose the cheapest health insurance in UAE to help you determine your needs, especially for health insurance.

Whichever your choice, ensure you have understood the policy well and pay for the quotes regularly. Therefore, you can be relieved because health insurance will take care of your body thoroughly.