Get fast, Health Insurance in UAE
Instant, health insurance in Dubai at affordable prices.
What We Offer
Amazing savings when you bundle
Individual Health Insurance Dubai ( DHA Compliant )
Individual medical insurance that covers Employees/ Domestic workers earning gross monthly salary up to AED 4000/-.This product complies with the mandatory medical insurance requirements applicable for Dubai Visa holders
Dependant Health Insurance Plans ( DHA Compliant )
Individual medical insurance that covers non-working dependents / parents.This product complies with the mandatory medical insurance requirements applicable for Dubai Visa holders. You can Insure your Spouse , Children and Parents using this plan
Health Insurance Plans ( Northern Emirates Visa Compliant )
Standard package for individual medical insurance that covers Northern Emirates Visas (Ajman, Fujairah, Ras Al-Khaimah, Sharjah and Umm al-Quwain).This plan covers the basic medical needs for our clients in Northern Emirates Area. Employees, spouse (male and female) and children are eligible for this plan
Get Covered with the Right Health Insurance Plan in Dubai
At Savington, we make it easier than ever to compare family health insurance in Dubai, get clear benefits, and select a plan that suits your lifestyle and budget.
Whether you’re an employee, freelancer, or business owner, we’ll guide you through the options and help you choose affordable health insurance in Dubai that actually works for you.
Why Choose Savington for Best Health Insurance in UAE?
- Compare quotes from DHA-approved providers
- Access affordable and comprehensive health insurance plans
- Guidance for individuals, families, businesses, and the self-employed
Free support for claims, renewals, and benefits clarification
Things You Need to Know Before Purchasing Medical Insurance in UAE
- Types of Medical Insurance
- Basic Medical Insurance
- Coverage includes clinics only.
- No direct access to hospitals unless it’s an emergency.
- No direct access to specialists unless there is a referral from a General Practitioner (GP).
- Typically has a lower premium, but:
- The premium also depends on salary (whether it’s above or below AED 4,000).
- Enhanced Medical Insurance
- Covers both hospitals and clinics.
- Allows direct access to specialists.
- Coverage and network access depend on the specific plan selected within the enhanced policy.
- Basic Medical Insurance
How to Choose the Right Health Insurance Plan
Choosing the right plan isn’t just about premiums. It’s about value, access, and peace of mind. Here’s what to consider:
- Coverage Limits & Network Hospitals
- Maternity, Dental, Vision & Pre-existing Conditions
- Annual limits, co-pay percentages, and exclusions
- Additional wellness & telemedicine features
🔗 Need help deciding? Our advisors will guide you through how to select a health insurance policy in Dubai based on your real needs.
Network Plans Under Basic and Enhanced Medical Policies
Overview of Network Categories
- Medical insurance network plans are broadly classified into four types:
- RN3 – Restricted Network 3
- RN2 – Restricted Network 2
- RN – Restricted Network
- GN – General Network
RN3 (Restricted Network 3)
Enhanced plan:
- RN3 provides access to clinics and specialists, but does not include hospitals.
- It allows different co-payment options, such as 20%, 10%, or 0%, depending on the sub-plan.
Basic plan:
- RN3 covers clinics only, with no direct access to specialists unless referred by a General Practitioner (GP).
- The co-payment in RN3 Basic is fixed at 20%, with no flexibility or option to reduce it.
RN2 (Restricted Network 2)
Enhanced Plan Only
- RN2 includes hospitals, clinics, and direct access to specialists.
- It also covers various treatments, including dental and optical care up to a certain limit.
- This plan offers multiple co-payment options, such as 20%, 10%, and 0%, providing better control over out-of-pocket expenses.
RN and GN (Restricted Network and General Network)
Enhanced Plan Only
- RN and GN plans offer access to a larger network of hospitals and clinics, including some of the top medical facilities in the UAE.
- They cover a broader range of treatments and come with higher policy limits compared to RN2.
- The GN plan provides the widest coverage among all network types, with access to premium healthcare providers across the country.
Premium Consideration
- As the network coverage and benefits increase from RN3 to GN, the premium also increases.
- It is important to match your plan selection with your medical needs, lifestyle, and budget.
Co-payment in Medical Insurance
- A co-payment (or copay) is the portion of the medical bill that the patient pays out of pocket, while the rest is covered by the insurance provider.
- In Enhanced medical insurance plans, there are typically three co-payment options available: 20%, 10%, and 0%.
- The lower the co-payment, the higher the premium will be. For example, a 0% co-payment plan will cost more in premiums than a 20% co-payment plan.
- Regardless of which co-payment plan is selected, the consultation fee must always be paid at 20% by the patient. This does not change even in a 0% co-payment plan.
For Employees & Companies
If you’re an HR professional or business owner, we offer scalable corporate health insurance in Dubai designed to meet your workforce needs.
- Manage employee health benefits UAE with ease
- Ensure compliance with Dubai Health Authority (DHA) regulations
Unlock group discounts and tailored support
For Freelancers & Self-Employed Professionals
Don’t let inconsistent income stop you from staying protected. Explore flexible self-employed health insurance in the UAE that gives you access to top medical networks, fast approvals, and customized add-ons.
Maximize Your Health Insurance Benefits
Already covered? Let us help you get more out of it.
- Review your policy to avoid overlaps
- Learn how to maximize your health coverage in UAE
- Access added-value services like dental, wellness, and virtual care
What Our Customers Say About Us
FAQs
Q: How can I choose the best health insurance in the UAE?
A: The best health insurance plan depends on your individual needs, and comparing quotes from different insurers can help you find the right balance of good coverage and price. Savington helps compare plans based on your specific requirements, making it easier to choose the right health insurance in the UAE.
Q: How much does family health insurance in Dubai costs?
A: The cost depends on factors such as the age and number of family members, medical history, coverage level, geographical area, hospital network, co-payment, and selected benefits.
Is health insurance in Dubai mandatory?
A: Yes. Health insurance requirements apply across the UAE, although the specific requirements can vary depending on the emirate, residency status, and applicable regulations.
Q: What documents are required to get medical insurance in the UAE?
A: For individual health insurance, commonly required documents include a passport copy, Emirates ID, visa/residency details, and medical information or declarations where applicable. For group health insurance, insurers typically require a census list of employees/dependents and a valid trade license, along with any other required documents.
Q: Does health insurance in Dubai cover dental and optical treatment?
A: Some plans include dental and optical benefits, while others may offer them as optional or enhanced benefits. Coverage limits and eligible treatments vary by policy.
Q: Does health insurance in the UAE cover maternity?
A: In most cases, health insurance plans include maternity benefits. Coverage, waiting periods, limits, and co-payments vary between policies, so these details should be checked before purchasing a plan.
Q: How long does it take to get health insurance in the UAE?
A: The overall process of quoting and finalizing the policy can typically take 1–3 days. From the time of payment, individual health insurance policies can usually be activated within 24 hours, while group policies may take up to 2 weeks to be activated.
Q: What factors affect the cost of health insurance in the Dubai?
A: The cost can depend on factors such as age, gender, salary, visa status, number of members, and the plan chosen, including its coverage, network, and benefits.
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