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Different Types of Health Insurance

Group Medical Insurance for employees is a must-have if you are residing as it protects you from uncertain financial burdens and all other benefits attached to it.

There are basically 4 types of Health Insurance:

Individual Health Insurance

It’s a kind of Cheapest health insurance Abu dhabi that covers an individual from all the medical expenses which a policyholder incurs during an uncertain medical emergency.

Family Health Insurance

This is a kind of Health Insurance plan that covers your entire family from any uncertain Medical emergency expenses against the cover amount promised by the Insurance provider.

Group Health Insurance

This is a kind of cheapest Health Insurance in Abu dhabi that is generally provided by an organization for its employees.

Critical Health Insurance

This is a kind of Health Insurance that covers specific diseases that are life-threatening and is not covered under Cheapest health insurance Abu dhabi

It requires the Policyholder to visit the Hospital quite often for regular and timely health checkups.

Question	What to Check	Impact on Cost
Where do you live & work?	Dubai = DHA EBP rules; Abu Dhabi = Daman Basic; other Emirates = new federal package	Provider network and maternity sub-limits vary
Income level	Dubai EBP targets those earning < AED 4,000/month; higher earners can still buy but may prefer richer benefits	Lower income often means lower premium ceilings
Pre-existing conditions	Federal law (2025) bans pricing surcharges, but waiting periods up to six months can still apply	Declare accurately to avoid claim denials
Dependents & domestic staff	Sponsors must insure spouses, children, maids, and drivers	Family bundle discounts lower total cost
Upgrade path	Some insurers credit unused premium if you shift to enhanced plans mid-year	Greater long-term flexibility

Plan name (sample insurer)	Network tier	Annual limit	Co-pay (OP/IP)	Starting premium*
EBP – Daman “Enhanced Network”	Dubai, Sharjah, Ajman	AED 150k	20% / 20%	AED 650
Sukoon “Basic Blue”	Dubai only	AED 150k	20% / 10%	AED 590
Orient “Essential Care”	Pan-UAE	AED 150k	25% / 20%	AED 550
Daman “Abu Dhabi Basic”	Abu Dhabi & Al Ain	AED 250k	20% / 10%	AED 750
Takaful Emarat “Saver”	UAE-wide	AED 150k	30% / 20%	AED 480

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